Publication Date: October 21, 2025

Today, we proudly announce the launch of Paysto 3.0 — a radically updated version of our platform that opens a new stage in financial operations in Russia. Paysto 3.0 is based on the innovative platform "Shared Decentralized Trading Infrastructure" (SDTI24), presented by the DIGILIFE team at SFF in 2024.

We have rethought the approach to doing business in Russia and are proud to present to you not just a payment service, but a full-fledged sharing operational infrastructure, created to eliminate barriers, accelerate your growth, and ensure a high level of reliability and flexibility.

RF: Complexity and Speed

We know how challenging it is for foreign companies and businesses from other regions to enter the Russian market. Opening a subsidiary, adapting to local legislation (especially 54-FZ and 152-FZ), complex compliance, lengthy banking integrations, and huge capital expenditures (CAPEX) at the start — all this can become a serious obstacle. Even for Russian companies, issues of fiscalization, document management, security, and data processing speed often consume a lion's share of resources.

Infrastructure in RF

Paysto 3.0, based on advanced SDTI24 technology, sets a new standard for operations. We offer a unique solution that replaces the need for a full-fledged legal entity, its back office, and technical base. Imagine receiving a ready-made "framework" for business, already equipped with everything necessary, now — with unprecedented speed and security.

Key Changes

We listened to market needs and implemented a series of fundamental improvements:

• Speed and Performance: Payment processing speed increased by 27%, ensuring instant transactions and a high level of user experience.
• Optimized Interaction: The "buyer-seller-order-buyer" model has been revised, intermediate links and distracting transitions eliminated, making the process as fast and intuitive as possible.
• Scalability Flexibility: Added support for external dedicated servers for load distribution, ensuring stable operation for any transaction volume.
• Enhanced Security: Integrated modern DDoS protection services, guaranteeing the continuous operation of your infrastructure.
• Branding and Customization: Implemented the "White-Label" function, allowing full adaptation of the Paysto interface to your corporate style.
• New Tariff Model: We have transitioned to an infrastructure sharing and rental model, which significantly lowers the entry barrier. Now you can build individual infrastructure in the shortest possible time and with minimal investment in the basic set.
• Focus on Ease of Use: Professional functions such as "Create Deals", "Issue Invoices", "Permanent Links", "Internal Transfer", "Mass Payout", "Top Up Balance", "Settlement with Supplier" have been excluded from the basic Personal Account set. These functions are now available in extended tariff plans or when building individual infrastructure, making the initial user experience cleaner and clearer.

Our Results and Values

The recent years of Paysto's operation have focused on creating not just a service, but a full-fledged infrastructure. We have evolved from a simple payment gateway to a comprehensive solution that:

• Expanded functionality into a full-fledged sharing operating system capable of replacing an entire legal entity.
• Strengthened compliance, becoming an expert in adhering to 54-FZ, 152-FZ, and international AML/KYC standards.
• Ensured maximum flexibility, offering various types of infrastructure (Open, Closed, Individual) for any business scale.
• Focused on scaling, actively researching and planning expansion into new international markets.

Our main promise: free up your resources. With Paysto 3.0, your team can fully concentrate on product, marketing, and sales. We take on all the operational and legal "headache" that previously required significant capital and operational expenditures.

• Zero CAPEX: no need to invest in purchasing cash registers, FN, expensive integrations.
• Quick Start: start accepting payments and selling in a matter of days, not months.
• Reduced Risks: sleep soundly, knowing that your business in Russia is fully legal and protected.
• High Trust Score: your transactions will be processed with a high degree of trust from banks, which reduces rejections.

Readiness for Success

We have updated not only the functionality but also our approach to partnership. Paysto is an infrastructure that grows with you. Whether it's a startup looking for easy market entry or a large international company aiming for seamless scaling — we have a solution.

Explore our new website, learn about the detailed description of functions, find out about partnership opportunities, and familiarize yourself with our compliance and security guarantees.

We believe that the future of business lies in sharing models, and Paysto 3.0 is a leader in creating such infrastructure for fintech operations.

Sincerely,Paysto Team