Opportunity Problem Summary SmileVtu is a company that offers users, members and citizens freedom to perform Virtual Top-Up activities via our proposed website (smilevtu.com). It was borne out of my observance of how the masses are being cheated on performing VTU services and a need to make it accessible by all. Solution Summary We provide Virtual top up services to Various network such as Glo, Airtel, Mtn, 9mobile amongst others. Also provide additional services such as Online payment for electricity bill, Purchase of E-pin for Jamb and Waec result checker, etc. Market As a NIgerian Company, our target is to stabilize within the African Market first and if need be, for an Expansion, we could go into the International Market Competition Our key competitors include vtpass.com, vtuking.com, and many others. Why Us? I and my team believe we are the right people to build into this Fintech because we have a lot of innovative ideas we intend to put in place to surpass