1. Divizend — Find. Act. Maximize.
We help investors maximize
their dividend returns.
Divizend — 为您提供最佳方案

2. 2
Problem
Every time an investor receives dividends on a cross-border basis they are taxed twice:
withholding tax + income tax
Lack of knowledge about
complex reclaim procedures
Costly reclaim procedures
Time-consuming and
lengthy refund process
Refund opportunities are widely missed out because of fiscal complexities and technical challenges.

3. 3
Status quo: non-standardized, paper-based reclaim forms still frustrate many
private and professional investors

4. 4
Solution: Our software automates the withholding tax refund process for private
and institutional investors.

5. 5
Product: Reclaim in 4 Steps
Connect
portfolios
1
Dashboard
overview
2
Submit
application
4 Claim
setup
3

6. 6
Reclaim Analyzer
Access bank API via unified
Divizend Securities API (SecAPI)
Upload portfolio contents
as Excel, CSV or PDF
Reclaim Analyzer
Customer view, reclaimable dividends grouped by country
Reads out and stores
historical dividends,
according to the reclaim
deadlines from the
individual foreign tax
authorities

7. 7
Status quo: An opaque landscape of processes and infrastructure
R E F U N D C O U N T R I E S &
T A X D O M I C I L E S
B U S I N E S S L I N E S R E Q U I R E D I N T E R F A C E
S
→ leads to ~$20 billion of unreclaimed withholding tax globally per year!

8. 8
Our approach: Breaking the boundary between back office, front office and
the end user through APIs
Asking the user to enter
additional infos and
requesting documents
becomes much easier
Away from pure bulk
processing, towards flexible
interactivity and adaptability
One common, unified,
transparent view for all
involved stakeholders
Maximum process
digitization and automation
Allow refunds for more
customers due to lower costs
Future-proof, as we
support the traditional
back office process, but
also disruptive approaches
like Embedded Wealth
Barrier-free access to
refunds for everyone
We are API experts (e.g.
Open Banking,
eSignatures)

9. 9
The new world: Divizend becomes the central nervous system as one single
platform for many stakeholders

10. 10
The withholding tax market as a largely untackled hundred-billion dollar business
opportunity
in paid withholding tax
on cross border securities
100 bn USD
in unreclaimed withholding
tax on cross border securities
20 bn USD
in paid dividends
1500 bn USD
2021

11. 11
Banks, Brokers &
Stock Exchanges
Magazines & Web
Portals
National Tax
Agencies
Marketplaces, API and
Data Providers
Market adoption and traction
API-first company + strong partnerships = low or zero customer acquisition costs

12. 12
Yves Elomo
Technical Managing
Director Divizend
Luxembourg S.à r.l.
Building on more than 30 years
combined startup experience up to unicorn status
Thomas Rappold
Co-Founder & CEO
We bring
together
outstanding
knowledge and
commitment
Investment/
Stock Markets
APIs
Bootstrapped/
Self-financed
Tech
Taxing
Julian Nalenz
Co-Founder & CTO
Lena Pietsch
Head of UX/UI Design
Simon Thobe
Head of Business
Development
Justin Meszaros
Head of Sales & Intl.
Taxation

13. Find.
Act.
Maximize.
Thomas Rappold
Co-Founder and CEO
thomas.rappold@divizend.com
Divizend GmbH
Nymphenburger Str. 10
80335 München
Germany
Divizend Luxembourg S.à r.l.
9 Rue du Laboratoire
1911 Luxembourg
Luxembourg
Divizend Suisse GmbH
Marktstrasse 28
8570 Weinfelden
Switzerland
Yves Elomo
Managing Director
yves.elomo@divizend.com