MASHINIi

The OLB Group, Inc..

OLB.US | Other information technology and computer service activities

The OLB Group, Inc. is a commerce service provider that delivers cloud-based merchant services for small- and medium-sized businesses (SMBs) in the United States. The company offers a suite of services including payment processing, point-of-sale (POS) systems, e-commerce solutions, and business anal...Show More

Ethical Profile

Mixed.

The OLB Group, Inc. has faced scrutiny regarding its financial transparency and stability. The company allegedly failed to maintain NASDAQ compliance due to low share price, regaining it through a reverse stock split which can impact shareholder value. Reports also indicate material weaknesses in internal controls over financial reporting and a history of operating losses, relying on short-term loans, including from its CEO. On the positive side, OLB demonstrates a strong commitment to data security, maintaining PCI DSS Level 1 compliance. In 2023, it invested $750,000 in cybersecurity and $2.3 million in payment processing R&D. The company reportedly blocked 18,600 fraudulent transactions, preventing $4.7 million in losses with a 99.4% accuracy rate.

Value Scores

Better Health for All0
-100100
Fair Money & Economic Opportunity0
-100100
Fair Pay & Worker Respect-10
-100100
Fair Trade & Ethical Sourcing0
-100100
Honest & Fair Business-20
-100100
Kind to Animals0
-100100
No War, No Weapons0
-100100
Planet-Friendly Business-50
-100100
Respect for Cultures & Communities0
-100100
Safe & Smart Tech-10
-100100
Zero Waste & Sustainable Products0
-100100

Better Health for All

0

No evidence available to assess The OLB Group, Inc. on Better Health for All.

Fair Money & Economic Opportunity

0

No evidence available to assess The OLB Group, Inc. on Fair Money & Economic Opportunity.

Fair Pay & Worker Respect

-10

None of the employees are represented by a labor union or covered by a collective bargaining agreement.

1
The voluntary employee turnover rate for the 2024 reporting year was 3.2%.
2

Fair Trade & Ethical Sourcing

0

OLB.US operates as a commerce service provider offering cloud-based merchant services, payment processing, and e-commerce solutions.

1
As such, the company does not procure or trade physical commodities, nor does it have a supply chain that requires welfare or sourcing audits, or exposure to upstream labor practices.
2
Therefore, KPIs related to fair trade certifications, audit frequency, forced/child labor incidents, supply chain traceability, remediation speed, ethical sourcing clauses in contracts, and materials risk are not applicable to its business model.
3

Honest & Fair Business

-20

The company appointed RBSM, LLC as its independent registered public accounting firm for the fiscal year ending December 31, 2023, and Daszkal Bolton LLP for 2022.

1
This indicates that financial statements are subject to independent external audit. The company has a Code of Business Conduct available on its website.
2
Its SecurePay payment gateway achieved PCI DSS Version 4.0 certification on December 3, 2025, which became mandatory on March 31, 2024, ensuring compliance with major card brand security programs and involving enhanced authentication, encryption, and continuous security monitoring.
3
Material weaknesses in internal controls over financial reporting were disclosed in a Form 10-K, and an outside firm identified these weaknesses, but the nature of these weaknesses was not detailed.
4

Kind to Animals

0

No evidence available to assess The OLB Group, Inc. on Kind to Animals.

No War, No Weapons

0

The company's core business is described as a commerce service provider offering cloud-based merchant services, payment processing, POS systems, e-commerce solutions, and business analytics tools. An AI-powered platform, iStores.com, has been launched to address the e-commerce market.

1
There is no evidence to suggest that the company develops or sells dual-use products, uses AI militarily, or has a dual-use portfolio requiring screening.
2
The company's activities are focused on civilian e-commerce and fintech, with no indication of involvement in military, intelligence, or surveillance contracts, or exposure to controversial weapons.
3
Therefore, no ethical red lines related to weapons are needed for its core business.

Planet-Friendly Business

-50

In 2024, the company reported total location-based Scope 1, 2, and 3 greenhouse gas emissions of 2,484,437 tCO2eq.

1
The company's total energy consumption in 2024 was 19,772 MWh, with 4,874 MWh (25%) sourced from renewable energy.
2
Its subsidiary DMint also utilizes renewable energy sources such as hydroelectric and solar power for Bitcoin mining operations.
3
As of December 31, 2024, the Green Asset Ratio (Capex KPI) was 0.49%, indicating a low percentage of capital expenditure aligned with the EU Taxonomy.
4
The company reported zero convictions for corruption and bribery offenses and zero fines for such offenses in 2024.
5

Respect for Cultures & Communities

0

The provided articles do not contain any specific, concrete data points or facts related to OLB.US's performance on any of the KPIs for 'Respect for Cultures & Communities'. Information regarding formal partnerships, revenue reinvestment in local communities, cultural appropriation incidents, cultural impact assessments, local employment ratios, grievance mechanisms, complaint resolution times, FPIC participation rates, community governance inclusion, cultural preservation investments, local procurement shares, indigenous supplier counts, cultural site protection, social license operations, charitable giving to cultural heritage organizations, community fund allocations, language inclusivity, cultural incident response, or cultural training completion is explicitly stated as not found or not mentioned across all articles.

1
Therefore, no KPIs can be scored based on the evidence provided.

Safe & Smart Tech

-10

In 2023, the company invested $750,000 in cybersecurity, which represents 1.865% of its $40.2 million revenue for that year.

1
OLB.US holds PCI DSS Level 1 compliance as of 2024 and is a Visa/MC certified payment gateway platform.
2
The company uses 256-bit AES encryption.
3
It incurs annual expenditures of $340,000 for GDPR compliance and $275,000 for CCPA compliance.
4
No specific regulatory actions, violations, or fines were mentioned, nor were any incidents of unauthorized data use documented.
5

Zero Waste & Sustainable Products

0

No specific data points or metrics related to waste diversion rates, product recyclability, packaging sustainability, recycled content, single-use plastic reduction, take-back programs, circular design principles, waste reduction initiatives, hazardous waste management, product durability, repairability scores, waste audit frequency, zero waste certifications, waste reduction targets, supplier waste requirements, or customer waste education were provided in the articles.

1
The available information primarily focuses on carbon emissions, which is outside the scope of the Zero Waste & Sustainable Products value.

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AI-generated analysis based on publicly available data. Not financial advice. Ratings are expressions of opinion derived from automated models and may contain inaccuracies. See our Risk Disclosure for full details.