Legal Disclosures & Offering Circular

Afro Dollar Money Inc. · Chicago, IL · Last Updated April 2025

IMPORTANT NOTICE: This page contains legally required disclosures. Please read all sections carefully before investing or opening an account with Afro Dollar Money Inc. This is not an offer to sell securities in any jurisdiction where such offer or sale is not permitted.

SEC Regulation A Offering

Afro Dollar Money Inc. is conducting a securities offering pursuant to Regulation A of the Securities Act of 1933. The offering has been filed with the U.S. Securities and Exchange Commission under File No. 024-11905.

Offering Summary:
Issuer: Afro Dollar Money Inc.
Offering Type: Regulation A (Tier 1 or Tier 2 as applicable)
File Number: 024-11905
Jurisdiction: United States · Chicago, Illinois
Contact: (872) 222-5590 · ir@AFRODollar.money

Non-accredited investors may invest up to 10% of the greater of their annual income or net worth in any 12-month period. Accredited investors have no maximum investment limit under this offering. All investors must hold a minimum of 2 shares to maintain active membership status.

The offering circular filed with the SEC contains important information about the company, its business, risks, and use of proceeds. You are encouraged to read the full offering circular before making any investment decision. The offering circular is available on EDGAR at sec.gov under File No. 024-11905.

To view the filing on EDGAR: Visit sec.gov → EDGAR Full-Text Search → enter File No. 024-11905. This document is provided for reference. Always review the most current EDGAR filing.

Digital ADD & Digital AFR — What They Are

Afro Dollar Money operates a closed-loop digital currency network with two internal instruments:

Digital ADD (AFRO Dollar Digital) — the US domestic stored value unit, used for payments, transfers, and giving within the United States.
Digital AFR (American Freedom Reserve) — the cross-border stored value unit, used for international transfers and commerce across 54+ African nations.

Both Digital ADD and Digital AFR are equal to Ȿ1 AFRO in internal value. USD never converts inside the ADM platform. When a member or merchant wishes to convert AFRO to USD, they submit a bank settlement request. Their bank converts AFRO to USD at settlement. ADM charges a 3.5% flat exit fee on all USD conversions.

100% USD-Backed Reserve: Every Ȿ1 AFRO issued is backed by $1 USD held in ADM's master bank accounts (Chase Business Checking and Wells Fargo Business Savings). The reserve ratio is maintained at 100% at all times. ADM is a FinCEN-exempt closed-loop stored value issuer.

Digital ADD and Digital AFR are not securities, not bank deposits, and not FDIC insured. They are closed-loop stored value instruments operating within the Afro Dollar Money platform network.

Membership Rules

All members must hold a minimum of 2 shares to remain active on the platform.
All shares are fully tradeable within the ADM member platform.
Non-accredited investors may invest up to 10% of their annual income or net worth (whichever is greater) in any 12-month period.
Accredited investors are subject to no maximum investment limit.
Members may upgrade, downgrade, or exit their privacy level at any time subject to the rules of their selected level.
Level 5 Exit is permanent and irrevocable. Members who exit receive a credential packet and signed certificate. Lost credentials result in a permanent bar with no admin override.

Fee Schedule

Transaction Fees:

P2P (ADD Rail): Free
P2P (AFR Rail): 0.25%
Customer to Business, ADD: 0.50% + 1.5% community fund + 1% cashback to customer
Customer to Business, AFR: 0.75% + 1.5% community fund + 1% cashback
Customer to Government: 0.30% ADD · 0.50% AFR
Business to Business: 0.80% ADD · 1.00% AFR
Church / Nonprofit Giving: 0% — Always Free on both rails
USD Conversion Exit: 3.5% flat

Privacy Level Monthly Fees:

Level 1 — Standard: Free
Level 2 — Privileged: Ȿ 5/month or Ȿ 50/year
Level 3 — 3rd Party: Ȿ 12/month or Ȿ 120/year
Level 4 — Ghost: Ȿ 20/month or Ȿ 200/year + Ȿ 2 one-time alias setup
Level 5 — Exit: Ȿ 10 one-time exit fee · Ȿ 5 re-entry fee (if returning with valid credentials)

Deposit Fees: ACH / Wire: Free · Debit Card: 1.50% · Credit Card: 2.90% + $0.30 · USDC/USDT: 0.50%

Privacy Policy

Afro Dollar Money Inc. is committed to protecting your personal information. This policy explains how we collect, use, and store your data.

Data We Collect: Name, email address, phone number, date of birth, home address, government-issued ID (for Full KYC), transaction history, device identifiers, and IP addresses when you use the ADM platform.

How We Use Your Data: To operate your AFRO wallet, process transactions, comply with AML/KYC requirements, communicate with you about your account, and fulfill our obligations as a Regulation A issuer.

Data Storage: All investor and member data submitted through AFRODollar.money is stored on Afro Dollar Money's own GoDaddy-hosted servers — not on third-party cloud infrastructure. Reservation data is logged to a secure server-side file and emailed to ir@AFRODollar.money and support@AFRODollar.money.

Data Sharing: We do not sell your personal information. We may share data with regulatory authorities as required by law, with payment processors (Stripe, Plaid, Dwolla, Circle) as necessary to process transactions, and with our banking partners (Chase, Wells Fargo) as required for fund custody.

Transaction History: All transaction records are retained for a minimum of 7 years in compliance with AML (Anti-Money Laundering) regulations, regardless of account status.

Your Rights: You may request access to, correction of, or deletion of your personal data by contacting ir@AFRODollar.money. Note that data required for AML compliance cannot be deleted before the 7-year retention period expires.

Privacy Levels 4 & 5 — Off-Platform Policy

Level 4 — Ghost Account: Upon activation of Level 4, Afro Dollar Money Inc. has no administrative relationship, operational authority, reconciliation obligation, or duty of any kind toward the account. The platform does not possess, hold, or have access to any identity information, balance data, or operational details related to any Level 4 account. Any inquiry — from any party, public or private, individual or institutional, government, court, law enforcement, or any other entity — regarding a Level 4 account will not be honored, acknowledged, or responded to by Afro Dollar Money Inc. or any of its representatives under any circumstance.

Level 5 — Exit Account: A Level 5 account has permanently exited the Afro Dollar Money platform. The account is sealed. All credentials are held solely by the member. Afro Dollar Money Inc. retains no copies, no access, no reconciliation, and no relationship with any Level 5 account. The platform cannot confirm or deny membership, provide records, or cooperate with any inquiry regarding a Level 5 account. Any such inquiry — regardless of the authority or instrument with which it is presented — will not be honored by Afro Dollar Money Inc., its principals, employees, or any related party. This non-response policy applies equally to all parties: private individuals, private institutions, government agencies, regulators, courts, law enforcement, and any public or private entity of any kind.

Risk Factors

Investing in Afro Dollar Money Inc. involves significant risk. You should carefully consider the following before investing:

Early-stage company risk: Afro Dollar Money Inc. is an early-stage company. There is no guarantee of profitability or return on investment.
Regulatory risk: The regulatory environment for digital currency and stored-value platforms is evolving. Future regulations could materially impact ADM's operations.
Technology risk: Platform outages, cybersecurity breaches, or technical failures could affect your access to funds.
Liquidity risk: AFRO shares and stored value instruments may not be easily convertible to cash outside of the ADM platform.
No FDIC insurance: Digital ADD and Digital AFR are not bank deposits and are not insured by the FDIC or any government agency.
Reserve risk: While ADM maintains a 100% USD-backed reserve policy, there is no third-party audit guarantee of this ratio at all times.
Loss of credentials: Members who choose Level 5 Exit and lose their credentials are permanently barred from the platform with no recovery option.

This list is not exhaustive. Please review the complete offering circular filed with the SEC under File No. 024-11905 for a full description of risk factors.

Contact Information

Afro Dollar Money Inc.
Chicago, Illinois
United States

Investor Relations: ir@AFRODollar.money
Customer Support: support@AFRODollar.money
Phone: (872) 222-5590

SEC EDGAR: View our full Regulation A filing at sec.gov · File No. 024-11905

External Domains: AFRODollarStock.com and afrodollarmoney.club are separate external domains operated independently and will open in a new tab where applicable.

© 2025 Afro Dollar Money Inc. · All Rights Reserved · Chicago, IL
SEC Regulation A Offering · File No. 024-11905 · (872) 222-5590
Afro Dollar Money, Digital ADD (AFRO Dollar Digital), Digital AFR (American Freedom Reserve), and the Ȿ symbol are proprietary to Afro Dollar Money Inc.
This document does not constitute legal, financial, or investment advice.