Riding The Wave Of The Future With XCEL

Genuine technological revolutions are rare, but when they come along they create amazing opportunities for investors. One such revolution is gaining momentum right now – mobile payments.

In an industry on the cusp of an explosion, it makes sense to look at who controls the patents that are likely to provide the foundation for future growth. Xcellink International Inc. (XCEL) is our focus for exactly that reason.

Xcellink International Inc. (XCEL), a developer of electronic payment systems and methodologies, controls a patent entitled ‘Automated Electronic Funds Transfer System and Method’ which covers the automated data interchange to achieve transactions between customers (buyers) and merchants (sellers) over local wired or wireless links.

What this means is that providers of payments services who wish to automate consumer-based payment systems with the use of a local link (such as Bluetooth, Infrared, Wi-Fi, WiMax and NFC (Near Field Communication)) must now either license the Xcellink method or find other means of achieving a comparable result. As this technology continues its march into the mainstream, potential revenues from the licensing alone run into hundreds of millions of dollars.

Mobile banking, which allows consumers to perform a range of activities from checking balances to making transfers and payments over mobile devices, is exploding across the globe, including rapidly expanding India and China.

· The Deccan Chronicle of India reported on Jan 23 rd this year that the Indian mobile payment industry, which is in a nascent stage, is growing at a rate of about 100 per cent quarter-on-quarter. The leading players in the industry are trying to leverage the huge base of over 300 million Indian mobile users out of which they have so far captured only about one to two per cent.

· In the US, Bank of America's web-based mobile banking service is close to reaching 2 million users, up 1 million over May 2008 – a growth rate of 100%. The number of mobile banking users represents a mere 10 percent of the bank’s 29 million online banking users.

· Overall, the number of people in the U.S. that use mobile-banking services grew to 3.1 million in 2008 from 400,000 in 2007, and that number is expected to hit seven million this year, according to ABI Research, a technology-research firm based in New York. At the same time, the number of U.S. banks that offer mobile banking is expected to jump to 614 this year – still only about 4% of all banks in the country - from 245 in 2008, according to Aite Group, a Boston-based financial-services research firm.

Controlling the patent for what is expected to become the primary global process for managing the provision of goods, services and payments in the consumer-driven world makes Xcellink (XCEL) an exceptional investment opportunity.

Xcellink’s technology has the capability to be used in every transaction, big or small, as a low cost alternative to cash, potentially replacing all credit, debit, charge and smart cards, integrating warehousing, delivery, taxation and consumer protection.

XCEL shares closed today at .72 cents and we believe that once the 'Street' wakes-up and catches on to XCEL and its patented technology, it may just be the beginning of yet another technological revolution!!

This is a rare opportunity to get in on the ground floor of a company with genuinely explosive potential.

Ride the wave of the Future with XCEL!!