Invest in Qube Money by ProActive Fintech Inc.

Spend Better, Live More

This Reg CF offering is made available through StartEngine Primary, LLC. This investment is speculative, illiquid, and involves a high degree of risk, including the possible loss of your entire investment.

REASONS TO INVEST

ABOUT

HEADQUARTERS

TERMS

Qube Money by ProActive Fintech Inc.

Overview

INTEREST RATE

8.0%

MATURITY DATE

Jun 13, 2027

DEADLINE

Nov. 25, 2025 at 7:59 AM UTC

VALUATION CAP

$39.9M

FUNDING GOAL

$20K - $5M

Breakdown

MIN INVESTMENT

$350

DISCOUNT

20.0%

CONVERSION TRIGGER

$5,000,000

OFFERING TYPE

Convertible Notes

TYPE OF EQUITY

Class C Common Stock

Most Recent Fiscal Year-End

Prior Fiscal Year-End

Total Assets

$1,775,621

$1,915,518

Cash & Cash Equivalents

$626,242

$344,941

Accounts Receivable

$126,002

$87,487

Short-Term Debt

$1,023,139

$808,366

Long-Term Debt

$4,232,908

$3,853,504

Revenue & Sales

$1,769,074

$2,716,043

Costs of Goods Sold

$1,873,498

$1,853,090

Taxes Paid

Net Income

-$2,593,577

-$2,692,150

Risks

A crowdfunding investment involves risk. You should not invest any funds in this offering unless you can afford to lose your entire investment. In making an investment decision, investors must rely on their own examination of the issuer and the terms of the offering, including the merits and risks involved. These securities have not been recommended or approved by any federal or state securities commission or regulatory authority. Furthermore, these authorities have not passed upon the accuracy or adequacy of this document. The U.S. Securities and Exchange Commission does not pass upon the merits of any securities offered or the terms of the offering, nor does it pass upon the accuracy or completeness of any offering document or literature. These securities are offered under an exemption from registration; however, the U.S. Securities and Exchange Commission has not made an independent determination that these securities are exempt from registration.

A convertible note offers you the right to receive Class C Common Stock in Qube Money by ProActive Fintech Inc.. The amount of Class C Common Stock you will receive in the future will be determined at the next equity round in which the Company raises at least $5,000,000.00 in a qualified equity financing. The highest conversion price per security is set based on a $39,900,000.00 Valuation Cap or if less, then you will receive a 20.00% discount on the price the new investors are paying. You also receive 8.00% interest per year added to your investment. When the maturity date is reached, if the note has not converted then you are entitled to receive Class C Common Stock equal to your investment and interest back at a price per security determined by dividing the Valuation Cap by the aggregate number of outstanding equity securities of the Company as of immediately prior (on a fully diluted basis).

*Bonus discount subject to adjustment of bonus discounts for StartEngine noteholders. See discount bonus below.

Investment Incentives & Bonuses*

Loyalty Bonus

As you are signed up to receive emails for Qube Money as of June 1, 2025, in ProActive Fintech Inc., you are eligible for an addition to the base discount rate on the convertible note.

Addition to the base discount rate on the convertible note: 20%

Addition to valuation cap discount rate on the convertible note: 50%

Time-Based Perks

Early Bird 1: Invest $1,000+ within the first 2 weeks | Receive a Minimalist Qube Wallet.

Early Bird 2: Invest $5,000+ within the first 2 weeks | Receive a Minimalist Qube Wallet, a Family Lifetime Membership, plus a total 5% addition to the base discount rate on the convertible note*.

Early Bird 3: Invest $10,000+ within the first 2 weeks | Receive all prior perks + [exclusive dinner invite for 2 people to attend the exclusive Mindful Banking Market Launch event in Park City, UT]* plus a total 8% addition to the base discount rate on the convertible note from the Time-Based Perks.

Early Bird 4: Invest $25,000+ within the first 2 weeks | Receive all prior perks + [exclusive dinner invite for 2 people to attend the Mindful Banking Market Launch event in Park City, UT with $500 resort credit]* plus a total 10% addition to the base discount rate on the convertible note from the Time-Based Perks.

Early Bird 5: Invest $50,000+ within the first 2 weeks | receive all prior perks + [exclusive dinner invite for 2 people to attend the Mindful Banking Market Launch event in Park City, UT with $500 resort credit and $1,000 flight credit] plus a total 15% addition to the base discount rate on the convertible note from the Time-Based Perks.

Early Bird 6: Invest $100,000+ within the first 2 weeks | receive all prior perks + [all inclusive 3-Day stay with dinner invite, $500 resort credit, $1,000 flight credit, plus mountain access in Park City, UT] plus a total 20% addition to the base discount rate on the convertible note from the Time-Based Perks.

Mid-Campaign Perks (Flash Perks)

Flash Perk 1: Invest $5,000+ between day 35 - 40 and receive a 3% addition to the base discount rate on the convertible note.

Flash Perk 2: Invest $5,000+ between day 60 - 65 and receive a 3% addition to the base discount rate on the convertible note.

Amount-Based Perks

Tier 1 Perk: Invest $1,000+ and receive a Minimalist Qube Wallet.

Tier 2 Perk: Invest $5,000+ and receive all prior perks + free Family Lifetime Membership + a 2% addition to the base discount rate on the convertible note.

Tier 3 Perk: Invest $10,000+ and receive all prior perks + exclusive dinner invite for 2 people to attend the Mindful Banking Market Launch event in Park City, UT* + a 5% total addition to the base discount rate on the convertible note from the Amount-Based Perks.

Tier 4 Perk: Invest $25,000+ and receive all prior perks + exclusive dinner invite for 2 people to attend the Mindful Banking Market Launch event in Park City, UT with $500 resort credit* + a 7% total addition to the base discount rate on the convertible note from the Amount-Based Perks.

Tier 5 Perk: Invest $50,000+ and receive all prior perks + exclusive dinner invite for 2 people to attend the Mindful Banking Market Launch event in Park City, UT with $500 resort credit and $1,000 flight credit + a 10% addition to the base discount rate on the convertible note from the Amount-Based Perks.

Tier 6 Perk: Invest $100,000+ and receive all prior perks + all inclusive 3-Day stay with dinner invite, $500 resort credit, $1,000 flight credit, plus mountain access in Park City, UT + a 15% total addition to the base discount rate on the convertible note from the Amount-Based Perks.

*Flights not included

*In order to receive perks from an investment, one must submit a single investment in the same offering that meets the minimum perk requirement. Bonus discounts from perks will not be granted if an investor submits multiple investments that, when combined, meet the perk requirement. All perks occur when the offering is completed. The free subscription months begin after the close of the offering and must be used consecutively.

Crowdfunding investments made through a self-directed IRA cannot receive perks due to tax laws. The Internal Revenue Service (IRS) prohibits self-dealing transactions in which the investor receives an immediate, personal financial gain on investments owned by their retirement account. As a result, an investor must refuse those perks because they would be receiving a benefit from their IRA account.

The 10% StartEngine Venture Club Bonus

ProActive Fintech Inc. will offer a 10% additional discount bonus for all investments that are committed by investors who are eligible for the StartEngine Crowdfunding Inc. Venture Club bonus.

Eligible StartEngine noteholders will receive a 10% bonus discount on the note in this Offering. For example, this would mean your discount percentage would be 30% instead of 20%.

This 10% Bonus is only valid during the investor's eligibility period. Investors eligible for this bonus will also have priority if they are on a waitlist to invest and the company surpasses its maximum funding goal. They will have the first opportunity to invest should room in the offering become available if prior investments are canceled or fail.

Investors will receive the highest single bonus they are eligible for among the bonuses based on the amount invested and the elapsed time of the offering (if any). Eligible investors will also receive the Venture Club Bonus and Loyalty Bonus in addition to the aforementioned bonus.

THE OFFERING MATERIALS MAY CONTAIN FORWARD-LOOKING STATEMENTS AND INFORMATION RELATING TO, AMONG OTHER THINGS, THE COMPANY, ITS BUSINESS PLAN AND STRATEGY, AND ITS INDUSTRY. THESE FORWARD-LOOKING STATEMENTS ARE BASED ON THE BELIEFS OF, ASSUMPTIONS MADE BY, AND INFORMATION CURRENTLY AVAILABLE TO THE COMPANY’S MANAGEMENT. WHEN USED IN THE OFFERING MATERIALS, THE WORDS “ESTIMATE,” “PROJECT,” “BELIEVE,” “ANTICIPATE,” “INTEND,” “EXPECT” AND SIMILAR EXPRESSIONS ARE INTENDED TO IDENTIFY FORWARD-LOOKING STATEMENTS, WHICH CONSTITUTE FORWARD LOOKING STATEMENTS. THESE STATEMENTS REFLECT MANAGEMENT’S CURRENT VIEWS WITH RESPECT TO FUTURE EVENTS AND ARE SUBJECT TO RISKS AND UNCERTAINTIES THAT COULD CAUSE THE COMPANY’S ACTUAL RESULTS TO DIFFER MATERIALLY FROM THOSE CONTAINED IN THE FORWARD-LOOKING STATEMENTS. INVESTORS ARE CAUTIONED NOT TO PLACE UNDUE RELIANCE ON THESE FORWARD-LOOKING STATEMENTS, WHICH SPEAK ONLY AS OF THE DATE ON WHICH THEY ARE MADE. THE COMPANY DOES NOT UNDERTAKE ANY OBLIGATION TO REVISE OR UPDATE THESE FORWARD-LOOKING STATEMENTS TO REFLECT EVENTS OR CIRCUMSTANCES AFTER SUCH DATE OR TO REFLECT THE OCCURRENCE OF UNANTICIPATED EVENTS.

Irregular Use of Proceeds

The Company might incur Irregular Use of Proceeds that may include but are not limited to the following over $10,000: Vendor payments. Inter company debt or back payments.

HOW INVESTING WORKS

Cancel anytime before 48 hours before a rolling close or the offering end date.

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