37 unchanged sentences
The operations were discontinued in March 2020 and all assets have been written down.
−Removed: O n August 7, 2024, the Company authorized and executed a Purchase Agreement with Viper Networks, Inc.
+Added: On August 7, 2024, the Company authorized and executed a Purchase Agreement with Viper Networks, Inc.
with the intention to sell the Company's telecommunications assets to Viper.
The assets include 1st Point Communications LCC, and all its subsidiaries, Endstream Communications LLC, American Networks Inc., and 10% ownership in Wikibuli Inc.
−Removed: Viper has acquired these assets in exchange for 2,500,000 (2.5 Million) shares of the Company's common stock.
+Added: Viper has acquired these assets in exchange for receiving back 2,500,000 (2.5 million) shares of the Company's common stock.
The transaction closed on November 1, 2024.
1 unchanged sentence
HammerPay is a scalable, mobile-first financial services technology platform featuring an advanced digital wallet and neo-banking system, designed for global deployment in both developed and emerging markets.
−Removed: O n July 31, 2024, the Board approved a resolution to amend the Articles of Incorporation to change the Company's name to Hammer Technology Holdings Corp.
−Removed: The Board believes that the name change better reflects the nature of the Company's ongoing business operations.
−Removed: The majority vote of shareholders approved the name change by written consent in lieu of a meeting on September 1, 2024.
+Added: On September 1, 2024, the Board approved a resolution to amend the Articles of Incorporation to change the Company's name from "Hammer Fiber Optics Holdings Corp" to "Hammer Technology Holdings Corp." The majority vote of shareholders approved the name change by written consent in lieu of a meeting on September 1, 2024.
+Added: The name change became effective on September 3, 2025.
Current Operations
−Removed: Hammer Technology Holdings Corp (OTCPK:HMMR) is a company focused on sustainable shareholder value investing in both financial services technology and wireless telecommunications infrastructure.
+Added: Hammer Technology Holdings Corp.
+Added: ("Hammer", the "Company") (OTCPink Limited:HMMR) is a company focused on sustainable shareholder value investing in financial services technology.
Hammer's financial technologies business is focused on providing digital stored value technology via its HammerPay mobile payments platform to enable digital commerce between consumers and branded merchants across the developing world, ensuring Swift, Safe and Secure encrypted remittances and banking transactions.
−Removed: Hammer's "Everything Wireless" go to market strategy for its telecommunications business includes the development of high speed fixed wireless service for residential, small business and enterprise clients using its wireless fiber platform, Hammer Wireless AIR®, mobility networks including 4G5G//LTE, Over-the-Top services such as voice, SMS and collaboration services and hosting services.
We currently have ten employees, six of which are full-time employees and four are part time.
+Added: Some of our executive officers and directors are engaged in outside business activities that we do not believe conflict with our business.
+Added: Over time, we may be required to hire additional employees or engage independent contractors to execute various projects that are necessary to grow and develop our business.
+Added: These decisions will be made by our officers and directors, if appropriate.
+Added: Intellectual Property
+Added: The company owns and controls a portfolio of proprietary intellectual property assets developed to support its digital-payments division, HammerPay.
+Added: These include:
+Added: • Software Codebase and APIs:
+Added: Proprietary source code, database architecture, and middleware connecting prepaid merchant cards, digital wallets, and real-time settlement engines.
+Added: • Digital Platform Design:
+Added: Custom integrations for merchant onboarding, sanctions screening, and KYC/AML verification workflows built into HammerPay's cloud-based system.
+Added: • User Experience (UX) and Interface Assets:
+Added: Original design layouts, workflow sequences, and customer-interaction modules unique to HammerPay's compliance-driven ecosystem.
+Added: • Trademarks and Brand Assets:
+Added: Trademark registration filings for the HammerPay and Hammer Technology Holdings brands are in progress in the U.S.
+Added: and select international markets.
+Added: • Process IP:
+Added: Proprietary business processes for prepaid merchant card issuance, third-party reseller management, and merchant revenue-sharing models forming the foundation of HammerPay's commercial advantage.
+Added: All intellectual property is owned by the Company and maintained through a structured IP protection program covering copyrights, confidentiality agreements, and data-security protocols.
+Added: HammerPay operates within the digital payments and prepaid merchant-card industry, competing with both traditional payment processors and emerging fintech platforms.
+Added: Key competitors include Payoneer, Wise (formerly TransferWise), Stripe Treasury, Marqeta, and other Banking-as-a-Service (BaaS) infrastructure providers.
+Added: Competitive Strengths:
+Added: • Proprietary Compliance Infrastructure - Embedded OFAC, EU, and UN sanctions screening and AML/KYC validation directly within HammerPay's onboarding workflow.
+Added: • Merchant-Specific Card Model - Value-restricted prepaid cards that eliminate cash-out risk and ensure transparent fund-tracking.
+Added: • Integrated Fintech Stack - Unified issuing, acquiring, and digital-wallet capabilities managed through proprietary APIs and security-controlled settlement architecture.
+Added: • Scalable White-Label Platform - Rapid deployment under partner brands, supporting expansion across African markets and diaspora payment channels.
+Added: Competitive Challenges:
+Added: • Larger competitors have broader global brand recognition and established regulatory footprints.
+Added: • As a growth-stage fintech, the Company continues to invest in platform certification, user acquisition, and international licensing to expand its market position.
+Added: Despite these challenges, the Company's proprietary infrastructure, regulatory compliance rigor, and B2B2C delivery model create sustainable competitive advantages and long-term scalability in the digital payments sector.
Available Information
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Compared sentence by sentence after normalising whitespace, quotation marks, case and digits, so re-formatting and restated figures do not read as changed language. Wording changes appear as one removal and one addition. The current filing and the prior one are authoritative.