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's activity report 2022

Dream Finance OÜ started its operations in 2019, offering cryptocurrency payment processing services (for individuals and legal entities) based on internally developed software. The main brands are CryptoProcessing (B2B services) and CoinsPaid (B2C services).

The service package includes:  virtual wallet service, which allows users to top up cryptocurrency accounts in both cryptocurrency and fiat currency, deposit, withdraw and exchange cryptocurrency (crypto-crypto and fiat-crypto);  SaaS Solution - sale of the internally developed software platform to strategic partners;  Crosschain - recovery of deposits at the client's request;  OTC transactions - large-scale currency exchange transactions at the client's request;  SaaS - services and virtual currency listing.

Dream Finance OÜ has developed a good liquidity infrastructure for customer service, including the company has bank accounts in 17 banks and accounts with 8 liquidity providers/cryptocurrency exchange platforms.

The company actively invests in its technological and financial infrastructure, security, and marketing. Dream Finance OÜ collaborates with more than 30 e-service providers (servers, development tools, SMM and marketing tools, security tools, analytics tools, KYC solution providers, transaction tracking and user identification solutions, etc.).

The majority of sales revenue is the service fee for using the web service platform (CoinsPaid/CryptoProcessing).

During the period 2022-2023, the company plans to expand the range of services and increase profitability as follows:  integration of alternative payment methods into the platform: MasterCard and Visa, B2B/B2C SEPA/Swift;  implementation of a new system for automated trading;  use of new risk hedging and trading principles and procedures;  Staking - deposits on cryptocurrency exchanges and earning interest income from them.

Significant environmental and social impacts associated with the company's operations

The operation of cryptocurrency exchanges can have several significant environmental and social impacts.

 Environmental impacts: cryptocurrency mining requires high energy consumption - the company does not engage in virtual currency mining.

 Consumer protection: as cryptocurrency markets are weakly regulated, this can lead to inadequate consumer protection.

For example, there may be fraud, volatility and price manipulation, as well as security issues related to cryptocurrency wallets and exchange security.

 Financial stability: the volatility and instability of cryptocurrency exchanges can affect financial stability. Large price fluctuations can pose a risk to investments and the economy more broadly. High profit opportunities attract speculators and short-term investors, which can increase market volatility and create inflated prices.

 Resource use: cryptocurrency transactions require a large amount of computing power and data storage. This can lead to increased demand for computer hardware and servers, which in turn requires greater resource use and electronic waste. Proper handling of electronic waste is important to avoid environmental damage and health risks.

Objectives and principles for hedging financial risks of financial instruments and risks associated with changes in exchange rates, interest rates and stock prices that emerged during the financial year and the reporting period

Hedging financial risks on a virtual currency exchange platform may include the following objectives and principles:  Portfolio diversification: we aim to diversify our investments and financial instruments across different asset classes, to