KindCard, Inc. is a FinTech and PayTech company. The Company, through its wholly owned operating subsidiaries, Deb, Inc. and Tendercard, Inc., provides alternative closed-loop payment solutions to consumers and businesses across a wide variety of verticals. Deb, Inc. focused on the merchant market where businesses operating within innovative verticals and e-commerce are incurring higher transaction costs, using a compliance policy for onboarding users and businesses in accordance with federal and state regulations. Deb, Inc.’s Pay with Deb consumer app operates on a closed-loop system, whereby consumers can purchase Deb Tokens to store in their wallet and use them to make purchases with Pay with Deb merchant network. Tendercard, Inc. provides independent merchants with a gift card and loyalty platform, allowing businesses to purchase their own gift card program to promote and sell to their own customers, where their customers can also earn points.