CYIOS Corporation (CYIO)

[Xeroe]

Greetings Axle-and-Hub and thanks for all your previous insights and these questions. As I'm sure you can guess... I enjoy long-form convos. :)

I'm not an insider or employee so I can only speak to what I have been able to find during research and what's publicly available but I'll do my best to outline what we know and my opinions as responses to your Q's.

Q1 "You write about Paloma Pay often..."

What have you done for me lately is not the right Q right now.

Paloma's payments platform was launched in Jan 2021 as a proof of concept. Much of the development was actually navigating regulatory & legislative environment & the result was the current version - their MVP ('minimum viable product') simple retail payments (customer pays in crypto, client receives fiat in their bank account).

The co-founder (of Paloma) Nasser Azimi is the owner of 5 retail dispensaries in CA and these locations are where the MVP is currently deployed. Much of this info comes from https://aroundthecoin.com/podcast/ally-medina-ceo-of-paloma-pay/

Paloma just announced that the initial tranche of the next round of investment dollars has been received & will be used to execute the next phase of development including a B2B platform. https://www.newsfilecorp.com/release/86205

I am personally not asking the questions you are about current customers, gross sales, etc. IMO it's not a criteria at this early stage. This potential acquisition would be for a novel technology product for which there is definitely a market. It would then be on Helio to further develop the product & develop sales/marketing roadmap for the product as part of the overall crypto bank platform they're building.

Q2 "Propy"

Propy is active & generating revenue. They are a leading blockchain focused real estate transaction processing firm. I haven't dug too far into their financials but understand they facilitated something in the neighborhood of .5b in transactions in 2020 and they are backed by VC Tim Draper of Tesla, Skype, etc. fame.

In my mind this is less of a merger/acquisition target at this point and more of a strategic partnership. Where mortgage companies receive the bulk of their 'leads' from real estate brokers, I see a similar function here where propy is connecting their end users (real estate agents/brokers) with Helio for any crypto-collateralized lending needs.

One would speculate this is driving leads to Helio by now, but we won't know for sure until the co. reports on it.

Q3 Why the current PPS with all the supposed news... (paraphrasing)

I don't think we HAVE seen the news that will ultimately result from the success or failure of the efforts from bitcoin2021. We don't know what conversations were had or if any deals were made yet. All they have said was that it was a success and updates would follow... but we really don't know what that means yet.

As for PPS, I'm not really swinging or day-trading this so the current PPS isn't really at any threshold that would trigger a change to my personal strategy or expectations w/ CYIO. This is also why there is little value to me (other than entertainment value) in the comments some make about the daily/weekly/monthly fluctuations. Price goes up... great! My shares are worth more. Price goes down... great! My monthly $$ invested buys more shares. I'm looking forward to one day my shares paying a dividend as O'Shea has said is an objective.

Q4 Employees

We're on the same page. I suspect we'll get more info on US facilities and staff as the dust settles from the helio acquisition and I'm also keeping an eye on who will be brought on to execute on the sales/marketing/support objectives.

I was very happy with the hiring of Franco Devivo as SVP Sales/Marketing as I am familiar with his work with Bitcoin Depot where he built a fantastic sales strategy & team, and managed it through very good growth. Keeping an eye on job postings to see when he starts bringing in boots-on-the-ground sales horsepower.

If Paloma is acquired & Ally and Ryan stay on I would be thrilled. He's a great IT resource and Ally has very valuable regulatory, legislative & policy making experience that will be key as we build out these disruptive new products.

Thx again and while I know this won't answer a lot of very specific questions we all have RIGHT NOW, it is what it is. For now it all remains very early and speculative, but I am personally very happy with what I am seeing.