v3.26.1
INTANGIBLE ASSETS
3 Months Ended
Apr. 30, 2026
INTANGIBLE ASSETS  
INTANGIBLE ASSETS

NOTE 3 – INTANGIBLE ASSETS

 

Intangible assets

 

Intangible assets are comprised of customer relationships and brands acquired in a business combination specifically related to the Company’s Tendercard division (see Note 1) and also comprised of development costs for its proprietary payment processing “DEB Platform” through the Company’s wholly owned subsidiary, Deb, Inc. The Company amortizes intangible assets with a definitive life over their respective useful lives of 5 years. Assets with indefinite lives are tested for impairment on an annual basis, or more frequently if the Company believes indicators of impairment exist. The Company did not note any impairment at April 30, 2026 and January 31, 2026, respectively.

 

On December 21, 2021 the Company entered into a contract to develop its proprietary payment processing DEB Platform, testing was completed in 2025 and the Company Deb is currently working with Blox (blox.global) and Viacarte (viacarte.com) under its strategic partnership to integrate their platforms allowing Deb to add technology that allows Deb to offer payments worldwide B2B, B2C, C2B and Peer to Peer. The platform is amortized over 5 years.

 

The following is the future estimated amortization expense related to intangible assets as of April 30, 2026:

 

 

 

April 30,

 

 

January 31,

 

 

 

2026

 

 

2026

 

Definite-lived intangible assets

 

 

 

 

 

 

Technology: DEB Platform

 

$239,435

 

 

$239,435

 

Technology: Tendercard Program

 

 

3,200

 

 

 

3,200

 

Customer Lists

 

 

9,900

 

 

 

9,900

 

Website

 

 

5,200

 

 

 

5,200

 

Trade Name

 

 

2,800

 

 

 

2,800

 

Total

 

 

260,535

 

 

 

260,535

 

Less: accumulated amortization

 

 

(253,345 )

 

 

(250,808 )

Definite-lived intangible assets, net

 

$7,190

 

 

$9,727

 

 

The following is the future estimated amortization expense related to intangible assets as of April 30, 2026:

 

Year ending January 31,

 

 

 

2027 -

 

 

5,921

 

2028 -

 

 

1,269

 

Total -

 

$7,190