ClubZERO Rewards

AngelPreneur Financial Services

Member & Employee Debit/VISA Cards

ClubZERO Rewards Founder/CEO shares an overview of Debit/Credit Card program

Powering the ClubZERO Ecosystem from the Inside Out

As the APVG & ClubZERO ecosystem grows into a fully integrated hospitality, travel, sustainability, and entrepreneurial platform, one thing becomes critically important: control of the financial infrastructure that powers daily operations, rewards participation, and keeps our member-driven economy moving.

That’s where AngelPreneur Financial Services (APFS) comes in.

APFS was established as a dedicated partner company within the APVG ecosystem to manage all internal financial processing needs across our ventures—from payroll and partner marketing payments to member rewards and ecosystem-based spending through our proprietary debit card programs

Rather than relying on fragmented third-party processors for mission-critical financial workflows, APFS enables the ecosystem to operate a secure, compliant, scalable internal card and transaction management platform designed specifically for the needs of a private membership-driven economy

What APFS Will Do

AngelPreneur Financial Services - once established - will provide mainly a third party audit and payment management services, including:

Payroll Processing for employees across APVG, GridZero, ClubZERO Hospitality, CZ Ventures, and related divisions
MissionCard Payroll ATM Cards for employees who prefer or require a company-issued financial access tool
VoyagePreneur Card (VPC) issuance for paid ClubZERO members, in Lew of their member level cards (seen above)
BitZERO$ Reward accrual tracking & redemption processing, tied to member-level earning and spending
Affiliate Marketing Payment Processing to Partner Affiliates across the ecosystem, if not part f the Affiliate software.
Member Spending Infrastructure for travel, online merchandise sales, dues, auctions, Clublimoliner ticket sales, and partner experiences.
Card Lifecycle Management - compliance matters.
Monitor usage patterns for fraud detection and violation purposes

Employees may choose direct deposit into their personal bank accounts or opt to receive their wages via the MissionCard payroll card—providing financial flexibility and access for those who may not otherwise qualify for traditional credit or debit solutions.

Why We Built APFS

ClubZERO is not just a travel club—it is a member-funded entrepreneurial ecosystem designed to launch and scale real companies in real time, including initiatives like:

Plastic2Power USA
HumidaPURE AirWater Systems
AgriVoltaic Resilience Centers
Aquarium Plaza Resort & Spa
CommunityHUBS Transitional Housing

With thousands of future employees, affiliates, and partner entrepreneurs participating across Nevada, California, and Hawaii, we required a financial backbone capable of:

Scaling with our growth
Supporting member-based rewards
Managing payroll and partner payouts
Enabling closed-loop ecosystem spending
Reducing reliance on outside processors
Enhancing capital efficiency across ventures

APFS fulfills this role—helping ensure that more of the value created within the ecosystem stays within the ecosystem.

Why We Built APFS

ClubZERO is not just a travel club—it is a member-funded entrepreneurial ecosystem designed to launch and scale real companies in real time, including initiatives like:

Plastic2Power USA
HumidaPURE AirWater Systems
AgriVoltaic Resilience Centers
Aquarium Plaza Resort & Spa
CommunityHUBS Transitional Housing

With thousands of future employees, affiliates, and partner entrepreneurs participating across Nevada, California, and Hawaii, we required a financial backbone capable of:

Scaling with our growth
Supporting member-based rewards
Managing payroll and partner payouts
Enabling closed-loop ecosystem spending
Reducing reliance on outside processors
Enhancing capital efficiency across ventures

APFS fulfills this role—helping ensure that more of the value created within the ecosystem stays within the ecosystem.

Benefits to Members

ClubZERO members benefit from:

VoyagePreneur Card access tied to their membership
Earned BitZERO$ rewards on qualified purchases including dues, travel, and merchandise
Ability to use BZ$ for:
- ClubLimoLiner travel
- Online store purchases
- Non-gaming online casino play
- Membership auction participation
- 2-for-1 dining vouchers
- Destination partner activities
A universal card option that does not require replacement when upgrading membership tiers
Streamlined access to travel savings and ecosystem services

Benefits to Employees

Employees across APVG Partner ventures receive:

Optional MissionCard payroll access
Reloadable debit functionality
Financial inclusion for team members without traditional banking access
Seamless integration with ClubZERO membership benefits
The ability to participate fully in the ecosystem they are helping to build

All employees are expected to be ClubZERO members—aligning compensation, engagement, and mission through shared participation.

Benefits to the Ecosystem

For APVG and its partner companies, APFS delivers:

Reduced transaction and processing costs
Streamlined internal financial operations
Efficient affiliate marketing payouts
Centralized compliance oversight
Enhanced member engagement through rewards
Increased retention through financial integration
Scalable infrastructure for future direct listing and potential NASDAQ IPO by 2029

By bringing payroll, rewards, card issuance, and transaction management under one partner-managed financial services umbrella, the APVG/ClubZERO ecosystem is better positioned to grow responsibly - while delivering real, measurable value back to its members. Initially, we will work with established outside providers for much of the above, until we have the scale necessary to operate cost effectively.

AngelPreneur Financial Services once established, will ensure that as we build the future of travel, loyalty, sustainability, and entrepreneurial opportunity together, and that we have the financial foundation in place to support every member, every employee, and every venture - every step of the way.