Innovative financial solutions for the next generation of consumers.

About Hero Group

Hero Innovation Group Inc. (formerly known as Euro Asia Pay Holdings Inc.) delivers innovative financial solutions for the next generation of consumers whose parents demand safety, security and peace of mind while promoting financial literacy for the future.


The Hero Group stands out among competitors as it continues to diversify its products and services to address specific unmet needs tailored to youth demographics while delivering a unique service to the North American market with its flagship brands - Hero Financials & SideKick Card.

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Hero Technology

Hero Group has developed a powerful dynamic platform that acts as the heart of all of our technology. Extensive integrations with partners combined with our own proprietary development have resulted in a backend that can be adapted to fit any variety of product needs.

Digital

Wallet Account

An elevated concept of digital wallets where two separate virtual balances are connected via the Hero Group backend server.

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Data

Management

Hero Group products and services can be tailored to the needs of the customer in any given situation in an easy and ideal user experience.

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Security &

Monitoring Controls

The company has developed controls to provide users with a variety of security functions, with a focus on delivering a fully transparent financial solution that can substitute traditional bank services.

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Hub
Solution & APIs


Hero Group's backend server was designed to be flexible and adaptable to provide services to support both internal and external products.

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Our

Products

Hero Group's turnkey products consist in mobile-first alternative-to-banking solutions that fully addresses the problems parents and youth face, allowing guardians to send, monitor and control funds for their children in a simple and intuitive way.

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Recent News

By Hero Group February 21, 2023
VANCOUVER, B.C. – February 21, 2023 – Hero Innovation Group Inc. (“Hero” or the “Company”) (CSE: HRO) announces that it has appointed Mao Sun and Wei Shao to the Company’s Board of Directors, in place of Peter MacKay and Larry Yen who have resigned as directors. The Company also appointed Mao Sun as the Chief Executive Officer in place of Peter MacKay, who has stepped down as Chief Executive Officer and Kevin Chen as the Chief Financial Officer in place of Mao Sun who has resigned as Chief Financial Officer. Mao Sun will continue to act as the Chief Executive Officer for the Company. The Company would like to thank Mr. MacKay and Mr. Yen for their many contributions to the Company. Wei Shao Mr. Shao is the national practice group co‐leader for the China Service at Dentons Canada and specializes in international business transactions. He has extensive experience in mergers and acquisitions, corporate and project financing, complicated corporate and commercial transactions, and advising clients with respect to business negotiations, policy and regulatory matters, as well as government relations. Mr. Shao has represented Asian investors and entrepreneurs, sovereign and investment funds, private and public companies as well as major SOEs in various significant transactions in or through Canada. He has also advised Canadian and international companies in their investment in China and other parts of Asia. Mr. Shao is also an interpreter accredited by the United Nations and by the federal government of Canada. As an interpreter or consultant, he has been involved in numerous ministerial and prime ministerial meetings or negotiations between Canada and China. Kevin Chen Mr. Chen has over 20 years of experience in senior financial executive roles and his work focuses on private and public companies in the mining and technology sector. Mr. Chen began his career as an auditor with KPMG LLP and is a CPA, CMA in British Columbia with an MBA degree from Western University. About Hero Innovation Group Inc. Hero Innovation Group Inc. (formerly, Euro Asia Pay Holdings Inc.) is a developer of innovative financial solutions for the next generation of consumers. Through its flagship product, SideKickTM, introduced in 2018, the Company identified unmet needs in the market within specific demographics, such as international students in Canada, and delivered a product to address those needs. Hero Financials, the Company’s largest product, is targeted at parents, kids and young adults across Canada. With financial literacy at the forefront of the Company’s values and a plethora of advanced proprietary technology features, Hero Financials prepares kids to become financially smart adults through a variety of financial literacy tools. To learn more about Hero Group’s products and services, visit www.heroinnovationgroup.com. On behalf of the Board of Directors Mao Sun CEO and Director For further information, contact: Mao Sun CEO and Director ir@heroinnovationgroup.com
By Hero Group December 19, 2022
VANCOUVER, B.C. – December 19, 2022 – Hero Innovation Group Inc. (“Hero” or the “Company”) (CSE: HRO) announces that effective December 14, 2022 (the “Effective Date”), it has appointed MSLL CPA, LLP (“MSLL”), Chartered Professional Accountants, at their Vancouver offices at Suite 2110 – 1177 W. Hastings Street, to serve as the Company’s auditor. MSLL replaces Dale Matheson Carr-Hilton LaBonte LLP (“DMCL”), Chartered Professional Accountants, as the Company’s auditor. In accordance with National Instrument 51-102 - Continutous Disclosures Obligations, Hero has filed a copy of its change of auditor notice on SEDAR together with the letters from each of MSLL and DMCL in relation to the foregoing. About Hero Innovation Group Inc. Hero Innovation Group Inc. (formerly, Euro Asia Pay Holdings Inc.) is a developer of innovative financial solutions for the next generation of consumers. Through its flagship product, SideKickTM, introduced in 2018, the Company identified unmet needs in the market within specific demographics, such as international students in Canada, and delivered a product to address those needs. Hero Financials, the Company’s largest product, is targeted at parents, kids and young adults across Canada. With financial literacy at the forefront of the Company’s values and a plethora of advanced proprietary technology features, Hero Financials prepares kids to become financially smart adults through a variety of financial literacy tools. To learn more about Hero Group’s products and services, visit www.heroinnovationgroup.com. On behalf of the Board of Directors Peter MacKay CEO and Director For further information, contact: Peter MacKay CEO and Director ir@heroinnovationgroup.com
By Hero Group December 14, 2022
VANCOUVER, B.C. – December 14, 2022 – Hero Innovation Group Inc. (“ Hero ” or the “ Company ”) (CSE: HRO) announces that it has entered into a loan agreement amending agreement (the “ Agreement ”) dated December 13, 2022 with Morrison Homes Bridge Street Ltd. (the “ Lender ”). The Company and the Lender, a company controlled by Morris Chen, a director of Hero, are party to loan agreements dated February 8, 2022, February 24, 2022, March 8, 2022, March 31, 2022, April 6, 2022, April 27, 2022, May 11, 2022, May 26, 2022, June 16, 2022, June 30, 2022, July 21, 2022, August 10, 2022, August 23, 2022, September 21, 2022, and October 20, 2022 (collectively, the “ Loan Agreements ”), pursuant to which the Lender agreed to lend the Company up to $2,400,000, of which the Lender has advanced, in tranches, an aggregate principal amount of $2,400,000 (collectively, the “ Loan ”). The Loan Agreements from February 8, 2022 to July 21, 2022, equalling an aggregate principal amount of $1,400,000, are at an interest rate of 8% per annum. The Loan Agreements from August 10, 2022 to October 20, 2022, equalling an aggregate principal amount of $1,000,000, are at an interest rate of 15% per annum. The proceeds of the Loan have been used by the Company for general working capital purposes. Subject to the receipt of prior shareholder approval in accordance with Multilateral Instrument 61-101 – Protection of Minority Security Holders in Special Transactions (“ MI 61-101 ”) as well as that of the Canadian Securities Exchange (“ CSE ”), the Company and the Lender agreed to amend the terms of the Loan Agreements to provide for the convertibility of the Loan and any accrued and unpaid interest thereon into units of the Company (each, a “ Conversion Unit ”) at a conversion price of $0.08 per Conversion Unit. Each Conversion Unit will consist of one common share (each, a “ Share ”) in the capital of the Company and one Share purchase warrants (each, a “ Warrant ”), with each Warrant entitling the holder to acquire one additional Share at a price of $0.45 per Share for a period of 24 months from the date of issuance (the “ Conversion ”). Morris Chen, a director of the Company, controls Morrison and, as such, the Loan and the Agreement are considered to be a “related party transaction” as defined in MI 61-101. The issuance of the Loan to the Mr. Chen is exempt from the valuation requirement of MI 61-101 by the virtue of the exemption contained in section 5.5(b) as the Company’s shares are not listed on a specified market, however the issuance of the Loan is not exempt from the minority shareholder approval requirements of MI 61-101. As such, the Agreement and any Conversion of the Loan thereunder is subject to prior minority shareholder approval. About Hero Innovation Group Inc. Hero Innovation Group Inc. (formerly, Euro Asia Pay Holdings Inc.) is a developer of innovative financial solutions for the next generation of consumers. Through its flagship product, SideKickTM, introduced in 2018, the Company identified unmet needs in the market within specific demographics, such as international students in Canada, and delivered a product to address those needs. Hero Financials, the Company’s largest product, is targeted at parents, kids and young adults across Canada. With financial literacy at the forefront of the Company’s values and a plethora of advanced proprietary technology features, Hero Financials prepares kids to become financially smart adults through a variety of financial literacy tools. To learn more about Hero Group’s products and services, visit www.heroinnovationgroup.com. On behalf of the Board of Directors Peter MacKay CEO and Director For further information, contact: Peter MacKay CEO and Director ir@heroinnovationgroup.com Disclaimer for Forward-Looking Information This news release contains forward-looking information within the meaning of Canadian securities legislation concerning the business of the Company. Forward-looking information is based on certain key expectations and assumptions made by the management of the Company. Although the Company believes that the expectations and assumptions on which such forward-looking information is based are reasonable, undue reliance should not be placed on the forward-looking information because the Company can give no assurance that they will prove to be correct. Forward-looking information in this news release includes statements regarding, but not limited to: the ability for the Company to perform its obligations under the Agreement; the receipt of applicable third party approvals of the Agreement and the Loan convertibility, including, but not limited to, minority shareholder approval and that of the CSE, and such other statements contained herein that are not purely historical in nature. There are numerous risks and uncertainties that could cause actual results and the Company’s plans and objectives to differ materially from those expressed in the forward-looking information. Important factors that could cause actual results to differ materially from those expressed in the forward-looking information include: the CSE may not approve the securities issuable pursuant to the Agreement; that the requisite minority shareholders approvals may not be obtained by the parties in connection with the Conversion; and other factors beyond the control of the Company. The ongoing COVID-19 pandemic, labour shortages, inflationary pressures, rising interest rates, the global financial climate and the conflict in Ukraine and surrounding regions are some additional factors that are affecting current economic conditions and increasing economic uncertainty, which may impact the Company’s operating performance, financial position, and future prospects. No assurance can be given that any of the events anticipated by the forward-looking statements will occur or, if they do occur, what benefits the Company will obtain from them. The Company does not undertake any obligation to update such forward-looking information whether because of new information, future events or otherwise, except as expressly required by applicable law.
Teenager uses Hero Financials app on his phone
By Hero Group August 10, 2022
Vancouver, BC – August 10, 2022: Hero Innovation Group Inc. (CSE: HRO) (“ Hero Group ” or the “ Company ”), a Vancouver-based fintech solutions provider, is pleased to announce the launch of Hero Financials™ (“ Hero ”), a full-service alternative-to-banking solution for the Canadian market. Hero is designed specifically for young Canadian consumers, with a total addressable market of up to 6 million users. Its product offerings are highly customizable and are strategically designed to address the unmet financial needs of Canadian kids, teens, GenZers, and their parents. Hero™ allows kids and teens to make their own financial and spending decisions and set a strong foundation for themselves to make smart money decisions. The solution is paired with SideKick™, a prepaid Mastercard that equips kids with vital financial literacy skills. It is a turnkey solution, supported with a mobile application as well as a built-in budgeting tool, savings function, contactless payments, and security backed by third-party inscription. Hero™ provides the foundational steps that accompany kids into a financially independent and responsible future, while also building parent-child trust and confidence by eliminating the need to borrow parents’ credit or debit cards to access funds. With Hero, transfers are sent in real-time, and funds can be used both in-store and online, via contactless and chip payments wherever a prepaid Mastercard is accepted. It can be used for purchases, savings and to gain essential financial literacy skills, without the limitations and restrictions imposed by traditional consumer banks. “Being a Canadian company, presence in our home market is crucial for us. We identified a critical gap in the sector’s ability to meet the financial goals and needs of Canadian youth and GenZers, a segment that now comprises a fourth of our population,” said Peter MacKay, CEO of Hero Group. “Hero Financials™ is the perfect turnkey solution for Canadian youth that compliments their journey towards gaining financial independence, while also helping parents support and pass on those valuable skills to their kids,” he added. As a multi-user product, parents can receive notifications of their child’s spending in real-time, restrict and block purchases on items by product category and lock funds in their child’s account, which only they can later unlock. Users will soon be able to take advantage of the Round-Up feature, whereby purchases are rounded up to the nearest dollar and the spare change is automatically deposited into a savings account, called Vault, for use later. Hero will also soon support digital payments through a wallet function, whereby users can make payments from their Hero accounts via third-party mobile payment apps such as Google Pay, Apple Pay and Samsung Pay without the need to present a physical card for purchases. Hero™ has been designed specifically to address the financial needs of Canadian children, teens and Generation Z, a sizeable demographic with over $50 billion in estimated purchasing power . Figures show that this consumer cohort is ‘grounded’ and values savings, with 72% putting money away for the future . It is a segment that also highly values flexibility and choice, with 45% preferring to make purchases in-store, and 16% shopping solely online . Hero™ is user-friendly, with no hidden fees, and offers a selection of different plans to choose from. Subscribers will also benefit from the platform’s ease of use, convenience, and efficacy in maintaining budgeting and financial management needs. Hero Group’s first flagship product, SideKick™, has been met with great acceptance among international education professionals, parents worldwide, and the student community. Recently, SideKick™ was named ‘Service Provider of the Year’ at the 2nd ST Secondary Awards. The awards, organized by Study Travel Network, honour outstanding contributions to the high school education sector from schools, service providers, agencies and associations worldwide. SideKick™ was initially designed as a solution for inbound students coming to Canada, and following the initial success of the international product, many parents in Canada expressed interest in using a product to support their kids’ financial management needs locally. As such, the Company decided to enhance its service offerings to the next generation of consumers in both the international and domestic markets. Through Hero Financials™, the Company is aiming to replicate SideKick’s success in the domestic Canadian market. Both products offer diverse and innovative features developed by Hero Group’s robust proprietary technology, an area that the Company continues to develop and invest in. Hero Financials™ is available via the product’s official website: www.herofinancials.com .
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