The OLB Group, Inc. (OLB): Business Model Canvas [Dec-2025 Updated]

You're digging into The OLB Group, Inc. (OLB)'s actual mechanics, and honestly, what you'll find is a fascinating dual-engine operation that mixes traditional FinTech with a serious crypto bet. As an analyst who's seen a few cycles, I can tell you this isn't just another payment processor; they are actively running their OmniSoft platform for over 10,500 merchants while simultaneously mining Bitcoin using low-carbon power through their DMINT subsidiary. With trailing twelve-month revenue hitting $9.6M as of September 30, 2025, understanding how these two distinct value streams-merchant fees and digital asset revenue-converge is key to assessing their risk and upside, so let's break down the full Business Model Canvas below.

The OLB Group, Inc. (OLB) - Canvas Business Model: Key Partnerships

You're looking at the critical external relationships The OLB Group, Inc. (OLB) relies on to power its diversified FinTech and mining operations as of late 2025. These aren't just names on a slide; they are the conduits for revenue and operational stability.

Strategic Vendors for Omnichannel Payment Solutions

The foundation of The OLB Group, Inc. (OLB)'s payment processing relies on maintaining the highest security standards with its vendors and compliance bodies. The SecurePay payment gateway achieved Payment Card Industry Data Security Standard (PCI DSS) Version 4.0 certification as of December 3, 2025. This platform delivers cloud-based merchant services to over 10,500 merchants across all 50 states. Furthermore, the Moola Cloud and Black 011 platform extends this reach to an additional network of 31,600 convenient stores and bodegas in the United States.

Here's a snapshot of the scale supported by these vendor relationships:

Financial Institutions for MOOLA Pay Mastercard Pre-Paid Card Services

The MOOLA Pay solution, a Mastercard pre-paid card offering targeting the underbanked, is a major partnership focus. The planned rollout in Q1 2025 aimed for distribution through a network of 31,600 convenience stores and bodegas nationwide. This service is designed to help customers manage finances by offering bill payments for over 30,000 utility companies, alongside virtual wallet capabilities and peer-to-peer transfers.

The success of MOOLA Pay is tied directly to the relationship with the card network and the underlying banking infrastructure. For context on the scale of The OLB Group, Inc. (OLB)'s overall financial operations, the Net Loss for the six months ended June 30, 2025, was $(3,213,312), against Total Assets of $12,386,068.

Utility Providers for Low-Cost, Zero-Carbon Power for DMINT Bitcoin Mining

DMINT, Inc., the wholly owned subsidiary, partners with utility providers to secure low-cost, zero-carbon power for its Bitcoin mining. The Tennessee facility has a capacity of 20 megawatts, which is capable of powering 5,000 mining machines. To maintain profitability post-halving, access to low-cost power is defintely key; industry data suggests that operations achieving rates as low as $0.02-$0.03 per kWh are necessary to significantly beat the global average break-even price of approximately $0.07/kWh seen in early 2025.

The sheer scale of the mining industry in 2025 provides context for the importance of these utility deals. As of July 2025, the global network consumed an estimated 166.97 GWh/day of power.

Banks and Media Companies for Building Online Marketplaces (OLBG Xchange)

While specific financial figures for the OLBG Xchange marketplace are not detailed, the partnership ecosystem supports the broader platform, which is part of The OLB Group, Inc. (OLB)'s OmniSoft software business. The company's strategy involves leveraging its extensive merchant network to upsell solutions. The Fintech segment generated $4,443,055 in revenue for the first six months of 2025, driven by transaction and processing fees. The company also has an Equity Distribution Agreement with Maxim Group LLC to offer up to $15 million of its common stock, indicating a relationship with capital market intermediaries.

• - Financial support from CEO Ronny Yakov: $1,191,282 in advances.
• - Revolving loan agreement with Yakov Holdings LLC: $5 million.
• - Contingent merchant-portfolio payment obligation recognized: $2,000,000.

Finance: draft 13-week cash view by Friday.

The OLB Group, Inc. (OLB) - Canvas Business Model: Key Activities

You're looking at the core functions The OLB Group, Inc. (OLB) is executing to drive its diversified fintech and digital asset strategy as of late 2025. These activities are the engine room of the business model, spanning software, payments, and energy-intensive mining.

Developing and maintaining the OmniSoft cloud-based platform

The OmniSoft.io, Inc. subsidiary is responsible for the software platform that gives merchants turnkey solutions to manage their retail operations, both online and in physical settings. This platform includes applications for inventory management, sales tracking, and customer transaction processing, accessible across various devices. While specific 2025 development spend isn't public, the company's total assets stood at $12,386,068 as of June 30, 2025, reflecting the underlying resources supporting these technology operations. The OLB Group, Inc. operates OmniSoft alongside eVance and CrowdPay as primary wholly-owned subsidiaries.

Processing credit/debit card transactions via eVance and SecurePay Gateway

This is where the core fintech revenue is generated, using the eVance payment processing solutions and the SecurePay payment gateway. The SecurePay gateway is critical, having recently achieved PCI DSS 4.0 certification as of December 3, 2025, which is a major operational milestone ensuring compliance with the payment industry's updated security requirements. Before the recent financial reporting periods, the company had established a footprint showing $1.36 Billion in gross transaction volume from 10,300 merchants, processing 28.5 million transactions nationwide. The consensus revenue forecast for 2025Q4 is $2.322M, which is heavily influenced by these processing activities.

Here's a quick look at some key operational and compliance metrics:

Operating the Bitcoin mining enterprise (DMINT)

The Bitcoin mining enterprise, DMINT, Inc., is a key, separate strategic activity, with plans for a spin-off to OLB shareholders. DMINT operates a facility in Tennessee, leveraging sustainable hydroelectric and solar power, with a capacity of 20 megawatts, capable of powering up to 5,000 mining machines. The subsidiary was preparing to refile its S-1 with Q2 2025 audited financials to advance its Nasdaq listing plans. Historically, an initial setup was expected to achieve a computing power of approximately 100 petahash per second. As of August 2025, the company reported holding 0.0634 BTC, valued at approximately $6,791 based on the price used in that filing.

Expanding the Moola Cloud network to 31,600+ bodega and convenience stores

The MOOLA Cloud platform is focused on expanding into underserved markets, specifically targeting the unbanked and underbanked through a physical distribution network. The company provides services to an additional network of 31,600 convenience stores and bodegas across all fifty states. The launch of MOOLA Pay, a Mastercard solution, was scheduled for the First Quarter of 2025. This network is positioned to serve a massive potential market, estimated from 2019 FDIC data to include 7.1 million unbanked and 24.2 million underbanked households in the U.S. The company is also focused on upselling its merchant base, leveraging relationships with over 32,000+ bodegas in its 2025 outlook.

Managing merchant acquisition and compliance (PCI DSS 4.0 certification)

Merchant acquisition involves bringing new users onto the eVance and SecurePay platforms, which requires rigorous security management. The successful achievement of PCI DSS 4.0 certification for SecurePay in December 2025 is the most concrete recent data point here, confirming compliance with the industry's latest security mandates from Visa, Mastercard, and others. This compliance is non-negotiable for processing cardholder data. Furthermore, the company manages significant liabilities, reporting Total current liabilities of $5,913,048 as of June 30, 2025, which necessitates strict operational and compliance oversight to maintain processing relationships.

The company's focus on cost control is evident in its operating expense reductions for the six months ended June 30, 2025, where:

• Processing and servicing costs decreased by $1.95 million (34%).
• General and administrative expenses decreased by $991,000 (50%).
• Professional fees decreased by $801,000 (66%).

Finance: review the impact of the December 3, 2025 PCI DSS 4.0 certification on Q4 2025 merchant retention rates by next Tuesday.

The OLB Group, Inc. (OLB) - Canvas Business Model: Key Resources

You're looking at the core assets The OLB Group, Inc. (OLB) relies on to run its diversified FinTech and Bitcoin mining operations as of late 2025. These aren't just ideas; they are tangible and intangible assets backing their strategy.

The foundation of their merchant services is the proprietary technology: OmniSoft business management platform. OmniSoft.io, Inc., a wholly-owned subsidiary, runs this cloud-based system, giving merchants turnkey solutions to manage their retail operations, whether they sell online or from a physical location. This platform integrates with their payment processing solutions, like SecurePay, and offers features for inventory control and omnichannel sales capabilities across iPad, mobile, and web interfaces. The company also has 1 patent family associated with its technology, with one application having a first filing date of August 23, 1999, though its current status is listed as Inactive.

The reach of The OLB Group, Inc. is anchored by its extensive merchant network of over 10,500 businesses in all 50 states. Specifically, as of September 30, 2025, PitchBook data shows a trailing twelve-month (TTM) merchant count of 10,402. This core network processes significant volume, having established an operational footprint with $1.36 Billion in gross transaction volume from these merchants nationwide. Furthermore, through the MOOLA Cloud and Black 011 platform, The OLB Group, Inc. can service an additional network of up to 31,600 convenient stores and bodegas, targeting the underbanked and unbanked community.

A unique asset is the Bitcoin mining infrastructure with 20 megawatts capacity in Tennessee. This operation is run by the subsidiary DMint, which utilizes low-cost, zero-carbon hydroelectric and solar power at its Selmer, TN facility. The facility has the capacity to power up to 5,000 mining machines. The company has plans to monetize this segment via a spin-off to OLB shareholders.

Regarding its balance sheet strength, while the prompt suggests zero external debt as of June 30, 2025, the actual reported figures from the June 30, 2025, balance sheet show a more nuanced picture. The company reported total debt of approximately $142.83K, which resulted in a debt-to-equity ratio of 2.7%. As of that date, total assets were $12.25 Million, total liabilities were $6.99 Million, and total shareholder equity stood at $5.26 Million. The cash on hand was reported as low as $2,662 at June 30, 2025.

The security of its payment operations is backed by the SecurePay Payment Gateway with 3D Secure (3DS) access control. The OLB Group, Inc. announced the launch of 3DS for SecurePay in January 2025 to enhance security for Card-Not-Present (CNP) transactions. This system is integrated and certified with major card brands, including Visa, MasterCard, and Discover. Critically, as of December 3, 2025, SecurePay achieved Payment Card Industry Data Security Standard (PCI DSS) Version 4.0 certification, which includes enhanced authentication controls and advanced encryption standards.

Here's a quick look at some key financial and operational metrics around these resources as of late 2025:

The integration of these resources is key to their strategy, as the company believes in the synergies between its segments:

• - OmniSoft platform provides turnkey solutions for online and brick-and-mortar retail.
• - SecurePay offers payment gateway services certified with major card networks.
• - DMint provides incremental revenue through Bitcoin mining operations.
• - MOOLA Cloud/Black 011 platform targets the 31,600+ bodega network.
• - The company is preparing for a spin-off of its DMint subsidiary to OLB shareholders.

Finance: draft 13-week cash view by Friday.

The OLB Group, Inc. (OLB) - Canvas Business Model: Value Propositions

You're looking at The OLB Group, Inc. (OLB) as of late 2025, and the value proposition centers on being the single operational hub for small and mid-sized businesses (SMBs) navigating both physical and digital commerce, plus a side-play in digital assets.

Integrated FinTech and e-commerce solutions for SMBs

The core value here is bundling essential business tools. For instance, The OLB Group, Inc. offers the Omnisoft cloud-based platform, which integrates e-commerce tools, Point-of-Sale (POS) systems, and Customer Relationship Management (CRM) capabilities. This integration is critical for efficiency. To give you a sense of scale in the core business, for the six months ended June 30, 2025, the company reported total revenue of $6,901,921, which is a mix of these services. By the third quarter of 2025, the revenue was $2,313,194. The platform's security posture is reinforced by the SecurePay payment gateway achieving the latest PCI DSS Version 4.0 certification, a key trust signal for handling sensitive data.

Omnichannel commerce: single platform for online and physical retail

The proposition is simplicity: one system for all sales channels. This means merchants use the same foundational technology whether a customer buys online or walks into a brick-and-mortar location. The OLB Group, Inc. provides turnkey solutions for merchants to build and manage their retail businesses across these channels. This is supported by payment processing solutions, a payment gateway, and a virtual terminal, all designed to work together seamlessly.

Financial access for the underbanked via MOOLA Pay and Moola Cloud

This is a significant strategic play targeting a large, underserved population. MOOLA Cloud, LLC, is the vehicle for this, serving a network of over 31,600+ bodega and convenience stores nationwide as of June 30, 2025. The MOOLA Pay solution, a Mastercard pre-paid card, is designed to bring banking services to this segment, which the FDIC estimated in 2019 included over 31.3 million unbanked/underbanked households in the U.S.. The goal is to offer services like bill payments for over 30,000 utility and service companies nationwide through these local stores.

Recurring revenue base from over 10,300 merchants

The stability of the business model relies on this installed base, which provides predictable, recurring revenue streams from monthly subscriptions, transaction and processing fees, and equipment rental/sales. The OLB Group, Inc. maintains a base of over 10,300 merchants relying on their services. This recurring component is the bedrock that supports the company's operations, even as total revenue saw a year-over-year decline in Q3 2025.

Incremental revenue from Bitcoin mining using low-carbon power

This segment offers diversification and potential upside. As of June 30, 2025, the Bitcoin Mining segment had mined 59.34 Bitcoin. The operation utilizes 1,000 mining computers, with 400 online and operational at that date. The strategy is to use low-carbon power, which is a distinct operational advantage in the current regulatory and ESG-aware environment. The company is also in the process of spinning off this segment into a standalone entity, DMINT, Inc..

Here's a quick look at the two segments' financial contribution based on the Q2 2025 10-Q:

What this estimate hides is the exact revenue split between Fintech Services and Bitcoin Mining for the period, as the 10-Q reports total revenue.

The OLB Group, Inc. (OLB) - Canvas Business Model: Customer Relationships

You're looking at how The OLB Group, Inc. (OLB) manages its relationships across its diverse merchant base. It isn't a one-size-fits-all approach; they segment their customer interaction based on the service provided, which is key for a diversified fintech player like this.

For the core payment processing clients, the relationship is primarily dedicated merchant services. This is the bread and butter, supporting a base of over 10,500 merchants across all 50 states as of early fiscal 2025 filings. These relationships are transactional but supported by the underlying technology platform.

The self-service aspect is driven by the OmniSoft SaaS platform. This is where merchants get automated access to manage their retail operations, whether online or in-store. While I don't have the exact number of active self-service users for late 2025, the platform is designed to reduce direct support load by offering turnkey solutions for site creation, hosting, and transaction processing.

When it comes to private-label e-commerce solutions, the support model shifts to be more high-touch. These clients, often highly trafficked websites needing seamless, end-to-end solutions, require more consultative engagement than a standard payment processor. If you need help with your website or billing questions, the published support line is 855-452-7135, expecting a response within 24 business hours.

The most targeted relationship effort is in financial inclusion via Moola Cloud. This initiative focuses on the underbanked and unbanked communities. The target market, based on 2019 FDIC data, is substantial, encompassing approximately 7.1 million unbanked and 24.2 million underbanked households in the U.S. The launch of MOOLA Pay in Q1 2025, distributed through a network of 31,600 convenience stores and bodegas, exemplifies this high-touch, community-focused relationship strategy.

Here's a quick look at how these relationship types map to the business scale, keeping in mind the TTM revenue as of September 30, 2025, was $9.6M:

The OLB Group, Inc. is clearly balancing scalable SaaS interactions with direct, specialized support where the value proposition is most complex or socially focused. The success of the Moola Cloud segment, reaching an estimated 31.3 million underserved households, will heavily depend on maintaining the trust established through these local bodega and convenience store partnerships.

You should check the Q4 2025 filing to see if the merchant count has crossed the 11,000 mark, as that would signal strong adoption post-Q3.

The OLB Group, Inc. (OLB) - Canvas Business Model: Channels

The OLB Group, Inc. deploys its fintech and digital commerce solutions through several distinct channels, targeting both established and underserved merchant segments.

Direct sales force and internal merchant acquisition teams

• The OLB Group, Inc. has developed and operates services for over 10,300 merchants across more than 130 industries in all 50 US states, reflecting the output of its acquisition efforts.
• The company's recurring revenue base generated $13.4 million in fiscal year 2024.

Omni Commerce mobile and web applications (POS systems)

The Omni Commerce application, available on iPad, mobile, and web, serves as the core platform for building and managing retail businesses, integrating payment processing and business management tools.

Moola Cloud network for bodega and convenience stores

This channel focuses on the underbanked and underbanked community through a dedicated physical network, with The OLB Group, Inc. consolidating 100% ownership of Moola Cloud, LLC in 2025.

• The Moola Cloud network serves 31,600+ bodega and convenience stores nationwide as of June 30, 2025.
• The MOOLA Pay solution, launched through this network in Q1 2025, offers prepaid Mastercard services and virtual wallet capabilities.

SecurePay Payment Gateway for online transaction processing

SecurePay is the mobile payment gateway component, securing processing, transmitting, and storing payment card data, which supports the Omni Commerce platform.

• The SecurePay Payment Gateway achieved PCI DSS Version 4.0 certification in December 2025.
• The gateway incorporated 3D Secure (3DS) Access Control to enhance security for Card-Not-Present (CNP) transactions.
• An older metric indicated over 700+ merchants were on SecurePay.

The OLB Group, Inc. (OLB) - Canvas Business Model: Customer Segments

You're looking at the specific groups The OLB Group, Inc. (OLB) is targeting with its integrated financial and transaction processing services as of late 2025. This isn't a one-size-fits-all approach; they segment their market based on business type and specific financial needs.

The core merchant processing business serves a diverse set of established businesses, while the MOOLA Pay initiative targets a distinct, underserved consumer demographic through a specific retail channel.

Here's a quick look at the scale of the primary merchant base, based on the nine months ended September 30, 2025, data:

The customer segments are clearly defined across their various platforms:

• - Small to medium-sized businesses (SMBs) across a minimum of 130+ industries, with a breakdown showing 65% as Small Businesses (1-50 employees) and 35% as Medium Enterprises (51-500 employees) based on earlier segment data.
• - Online and brick-and-mortar merchants operating in all 50 U.S. states, utilizing the OmniSoft platform for integrated sales.
• - Bodega and convenience store operators, leveraging the Black 011 platform, with a network reaching 31,600+ locations nationwide.
• - Underbanked and unbanked consumers reached via MOOLA Pay services, targeting a market segment that, as of 2019 FDIC data, included approximately 7.1 million unbanked and 24.2 million underbanked households in the U.S..
• - High-traffic websites needing private-label e-commerce solutions, supported by The OLB Group, Inc. (OLB)'s turnkey cloud-based business management platform.

The OLB Group, Inc. (OLB) is definitely focusing its MOOLA Pay distribution through that massive network of bodegas, which is a key differentiator for reaching those unbanked consumers.

The OLB Group, Inc. (OLB) - Canvas Business Model: Cost Structure

You're looking at the hard numbers that drive The OLB Group, Inc.'s operational burn rate as of late 2025. Honestly, cost control has been a major theme, especially given the need to sustain operations while preparing for the DMINT spin-off.

The most concrete figure we have for the first half of 2025 shows a significant pullback in overall spending. Total operating expenses for the six months ended June 30, 2025, were reported at $7,134,152, a material drop from $12,519,984 in the prior year's corresponding six-month period. This represents an overall reduction of approximately 43% in operating expenses, driven by several key areas.

The cost structure is heavily influenced by the two main operational arms: the core Fintech Services and the Bitcoin mining subsidiary, DMINT. Here's a breakdown of the key cost components based on the latest available financial context:

The DMINT facility's cost profile is unique. It operates out of a 15,000-square-foot facility utilizing sustainable hydroelectric and solar power. The operational efficiency here hinges on keeping the power cost low, which is reported to be under $0.048/Kwh. This low variable cost is key to its profitability model, especially as the company plans to have 5,000 mining machines running in 2025.

For the technology side, The OLB Group, Inc. acknowledges the need for continued investment in research and development to maintain its competitive edge with the OmniSoft platform. This is a necessary expenditure to diversify revenue streams away from the eVance business.

The reduction in professional fees and G&A suggests a focused effort on streamlining non-essential overhead, which helped offset personnel expenses that were up slightly to $134.1 million for the nine months ended September 30, 2025, compared to $131.6 million the prior year, based on the nine-month data provided. The overall cost discipline is clear from the improved cost-income ratio.

Here are the key cost-related metrics from the nine-month period ending September 30, 2025, which give you a fuller picture of the cost base:

• Total operating expenses for nine months: EUR 247.3 million (down from EUR 275.2 million prior year).
• Personnel expenses (nine months): EUR 134.1 million (up from EUR 131.6 million prior year).
• Non-personnel expenses (nine months): EUR 113.1 million (down from EUR 143.5 million prior year).
• Cost-income ratio (nine months): Decreased to 44.4% (from 50.5% prior year).

Finance: draft 13-week cash view by Friday.

The OLB Group, Inc. (OLB) - Canvas Business Model: Revenue Streams

You're looking at how The OLB Group, Inc. (OLB) brings in money, which is key to understanding its current financial health. The revenue picture for late 2025 is anchored by its core FinTech services, with a significant, though currently declining, contribution from its Bitcoin mining venture.

The trailing twelve-month revenue as of September 30, 2025, was reported at $9.64M, which is down year-over-year. To give you a snapshot of the most recent period, the revenue for the third quarter ending September 30, 2025, was reported as $2.31M by one source, while another reported sales of $0.078814 million for the same period. Honestly, the drop from the prior year's annual revenue of $12.84M in 2024 shows the near-term pressure on the business.

The revenue streams are diversified across its key operational areas, though historically, the company has been substantially dependent on its eVance business. Here's how those streams break down:

• - Transaction and processing fees from merchant services (eVance): This remains a primary driver, providing electronic payment processing solutions to small and mid-sized merchants. The overall revenue decline in 2025 was partly attributed to a decrease in these transaction and processing fees.
• - Subscription fees for the OmniSoft cloud-based platform (SaaS model): OmniSoft offers a cloud-based business management platform for merchants to handle retail operations online and in physical locations.
• - Revenue from Bitcoin mining operations (DMINT subsidiary): DMINT, a wholly owned subsidiary, generates incremental revenue through mining Bitcoin. The company has been preparing to spin off DMINT to shift its capital requirements off the main balance sheet.
• - Revenue from digital product sales and reload services via Moola Cloud: This segment focuses on expanding its network, including over 31,600+ bodega and convenience stores, by offering services like eSIM activations, mobile recharges, and wallet reload services.

Here are the key financial figures related to the revenue performance as of late 2025:

The reliance on eVance is clear, as substantially all historical revenue came from this segment, though OmniSoft and CrowdPay began contributing in the second half of 2019, and DMINT started generating revenue in 2021 and 2022. The company's strategy involves leveraging the Moola Cloud network to upsell payment processing solutions and offer micro loans to its merchant base, which should impact future revenue composition.