Here's a link to the S-1 from 11-2-18: http://app.quotemedia.com/data/downloadFiling?webmasterId=102859&ref=109745100&type=HTML&symbol=KPAY&companyName=KinerjaPay+Corp&formType=S-1&formDescription=Registration+statement+under+Securities+Act+of+1933&dateFiled=2018-11-02&CK=1494162 What are your thoughts? K