Background	6 Months Ended
Jun. 30, 2026
Organization, Consolidation and Presentation of Financial Statements [Abstract]
BACKGROUND	NOTE 1 – BACKGROUND Background The OLB Group, Inc. (“OLB”, the “Company”) was incorporated in the State of Delaware on November 18, 2004 and provides services through its wholly-owned subsidiaries and business segments. The Company generates revenue through two business segments: Fintech Services and Bitcoin Mining. Beginning in 2026, the Company transitioned its entire software development team to an artificial intelligence-assisted model for developing and maintaining its applications (commonly referred to as “vibe coding”), under which the Company’s developers direct and review code generated by large language model tools rather than authoring code directly. The transition applies across both business segments. Fintech Services: The Company provides integrated financial and transaction processing services (“Fintech Services”) to businesses throughout the United States. Its Fintech Services span credit and debit card acceptance, ACH payments, real-time payments, digital wallets, PayPal integration and payment terminal and hardware rentals. SecurePay™, the Company’s proprietary payment gateway, is the core of these services. Card, ACH and real-time payment transactions are routed and authorized through SecurePay™, which also delivers PayPal integration and supports 3-D Secure (Visa) authentication on card-not-present transactions, helping merchants reduce fraud and, for authenticated transactions, shift chargeback liability to the card issuer. The Company delivers these services through its eVance, Inc. subsidiary (“eVance”), which provides an integrated suite of merchant payment processing services and related proprietary software, primarily to small and mid-sized merchants operating in physical “brick and mortar” business environments, on the internet and in retail settings requiring both wired and wireless mobile payment solutions. eVance operates as an independent sales organization (“ISO”) generating individual merchant processing contracts in exchange for future residual payments. As a wholesale ISO, eVance has a direct contractual relationship with the merchants and takes greater responsibility in the approval and monitoring of merchants and risk and as a result, receives additional charges for this service and risk. Implementation of Agentic Commerce and Automation Services. The Company is implementing agentic commerce and automation services across its Fintech Services platforms, adding artificial intelligence (“AI”) capabilities to each existing platform, including conversational AI support tools and AI-assisted risk mitigation and fraud monitoring capabilities for eVance merchants; AI-driven underwriting and merchant boarding workflows intended to support same-day merchant approval, including background checks, sanctions screening and PCI compliance verification; a new point-of-sale (“POS”) solution with embedded AI functionality; and tools for the Company’s ISOs and sales personnel intended to accelerate the calculation and payment of residual compensation. Human review and oversight remain in place for underwriting, risk and compliance activities. Certain of these capabilities remain in development and have not yet been deployed to merchants. See “Artificial Intelligence and Agentic AI Initiatives” in Item 2 of this Quarterly Report. CrowdPay.us, Inc. (“CrowdPay”) is a Crowdfunding platform used to facilitate a capital raise anywhere from $1,000,000 -$50,000,000 of various types of securities under Regulation D, Regulation Crowdfunding, Regulation A and the Securities Act of 1933. To date, the activities of this subsidiary have been nominal. The Company also owns Crowd Ignition, Inc. (“Crowd Ignition”), a web-based Regulation Crowdfunding platform that provides broker-dealers, merchant banks and law firms with the ability to market offerings, collect payments and issue securities. The Company is developing an application that will enable issuers using the CrowdPay platform to generate tokenized offerings, provide investors with additional payment options and access live AI chatbot support. The application is in the development stage and has not yet been launched. The Company expects to release an initial update to the CrowdPay and Crowd Ignition platforms during the fourth quarter of 2026, with a full launch anticipated in early 2027. The Company expects the platforms to support stablecoin payment options, which would be provided through licensed or otherwise authorized third-party payment providers and not by the Company. Development and launch of the application are subject to applicable securities laws and other regulatory requirements, and there is no assurance that the application will be launched on the anticipated timeline, or at all. See Item 1A, “Risk Factors.” OmniSoft, Inc. (“OmniSoft”) operates a software platform for small merchants. The Omnicommerce applications work on an iPad, mobile device and the web and allow customers to sell a store’s products in a physical, retail setting. To date, the activities of this subsidiary have been nominal when compared to the overall business. The Company markets its AI-enabled merchant applications under the iStores AI and ShopFast AI brands, and provides credit card payment gateway services under the SecurePay™ brand. SecurePay™ is designed primarily around AI-based fraud detection, including real-time transaction screening and dynamic risk scoring, together with AI-assisted merchant boarding and underwriting workflows. SecurePay™ integrates with third-party accounting, payment and authentication providers, including QuickBooks, PayPal, 3-D Secure authentication (a protocol developed by Visa) and TSYS, a payment processor. SecurePay™ also supports automated clearing house (“ACH”) payment services. On May 14, 2021, the Company formed its wholly owned subsidiary, OLBit, Inc. (“OLBit”). The purpose of OLBit is to hold the Company’s assets and operate its business related to its emerging lending and transactional business leveraging the Company’s Bitcoin Business and Fintech Services business. To date, the activities of this subsidiary have been nominal. The Company is resuming the process of obtaining money transmitter licenses (“MTLs”) for OLBit, including the preparation and submission of license applications in the states in which the Company intends to conduct OLBit’s lending and transactional business, and is continuing to plan the scope and sequencing of those filings. Issuance of MTLs is subject to review and approval by state regulators, and there is no assurance that the Company will obtain any MTL, or that it will do so on the timeline it currently anticipates. On June 15, 2023, the Company purchased Moola Cloud, LLC (“Moola Cloud”), formerly known as SDI, LLC a Florida LLC whose platform and network serve approximately 31,600 bodega convenience stores in and around the country in all 50 states. Moola Cloud is a wholly owned subsidiary. The new POS solution described above is being developed for the Moola Cloud merchant network and will combine payment acceptance with a self-service website builder, enabling merchants to create and maintain their own eCommerce storefronts alongside their in-store operations. The POS solution has been upgraded and is ready for implementation at merchant locations. The Company also provides eCommerce development and consulting services on a project-by-project basis, including custom artificial intelligence-based development projects for merchants and other clients that are related to transaction processing and other transaction-driven activities. Bitcoin Mining Business: On July 23, 2021, the Company formed its wholly owned subsidiary, DMINT, Inc., (“DMINT”). The purpose of DMINT is to operate its business related to Bitcoin mining (“Bitcoin Business”). The Company is currently in the process of spinning off DMINT into a stand-alone entity. On October 21, 2024, DMINT filed a Registration Statement on Form S-1 with the Securities and Exchange Commission relating to the proposed spin-off and the resulting issuance of DMINT equity to the Company’s stockholders. The spin-off distribution is expected to occur upon the Registration Statement being declared effective and the approval by the Nasdaq Capital Market of the listing of DMINT’s common stock, at which time the shares of DMINT common stock held by the Company are expected to be distributed to the Company’s stockholders on a pro rata basis. Completion of the spin-off is subject to these conditions, and there is no assurance that the spin-off will be completed. On June 24, 2022 the Company formed DMINT Real Estate Holdings, Inc., a wholly-owned subsidiary of DMINT. The purpose of DMINT Real Estate Holdings, Inc is to buy and hold real estate related to DMINT. Currently, its only asset is the building and property located in Selmer, Tennessee where all of the mining computers are located.

Background

6 Months Ended

Jun. 30, 2026

Organization, Consolidation and Presentation of Financial Statements [Abstract]

NOTE 1 – BACKGROUND

Background

The OLB Group, Inc. (“OLB”, the “Company”) was incorporated in the State of Delaware on November 18, 2004 and provides services through its wholly-owned subsidiaries and business segments. The Company generates revenue through two business segments: Fintech Services and Bitcoin Mining.

Beginning in 2026, the Company transitioned its entire software development team to an artificial intelligence-assisted model for developing and maintaining its applications (commonly referred to as “vibe coding”), under which the Company’s developers direct and review code generated by large language model tools rather than authoring code directly. The transition applies across both business segments.

Fintech Services:

The Company provides integrated financial and transaction processing services (“Fintech Services”) to businesses throughout the United States. Its Fintech Services span credit and debit card acceptance, ACH payments, real-time payments, digital wallets, PayPal integration and payment terminal and hardware rentals.

SecurePay™, the Company’s proprietary payment gateway, is the core of these services. Card, ACH and real-time payment transactions are routed and authorized through SecurePay™, which also delivers PayPal integration and supports 3-D Secure (Visa) authentication on card-not-present transactions, helping merchants reduce fraud and, for authenticated transactions, shift chargeback liability to the card issuer.

The Company delivers these services through its eVance, Inc. subsidiary (“eVance”), which provides an integrated suite of merchant payment processing services and related proprietary software, primarily to small and mid-sized merchants operating in physical “brick and mortar” business environments, on the internet and in retail settings requiring both wired and wireless mobile payment solutions.

eVance operates as an independent sales organization (“ISO”) generating individual merchant processing contracts in exchange for future residual payments. As a wholesale ISO, eVance has a direct contractual relationship with the merchants and takes greater responsibility in the approval and monitoring of merchants and risk and as a result, receives additional charges for this service and risk.

Implementation of Agentic Commerce and Automation Services. The Company is implementing agentic commerce and automation services across its Fintech Services platforms, adding artificial intelligence (“AI”) capabilities to each existing platform, including conversational AI support tools and AI-assisted risk mitigation and fraud monitoring capabilities for eVance merchants; AI-driven underwriting and merchant boarding workflows intended to support same-day merchant approval, including background checks, sanctions screening and PCI compliance verification; a new point-of-sale (“POS”) solution with embedded AI functionality; and tools for the Company’s ISOs and sales personnel intended to accelerate the calculation and payment of residual compensation. Human review and oversight remain in place for underwriting, risk and compliance activities. Certain of these capabilities remain in development and have not yet been deployed to merchants. See “Artificial Intelligence and Agentic AI Initiatives” in Item 2 of this Quarterly Report.

CrowdPay.us, Inc. (“CrowdPay”) is a Crowdfunding platform used to facilitate a capital raise anywhere from $1,000,000 -$50,000,000 of various types of securities under Regulation D, Regulation Crowdfunding, Regulation A and the Securities Act of 1933. To date, the activities of this subsidiary have been nominal. The Company also owns Crowd Ignition, Inc. (“Crowd Ignition”), a web-based Regulation Crowdfunding platform that provides broker-dealers, merchant banks and law firms with the ability to market offerings, collect payments and issue securities. The Company is developing an application that will enable issuers using the CrowdPay platform to generate tokenized offerings, provide investors with additional payment options and access live AI chatbot support. The application is in the development stage and has not yet been launched. The Company expects to release an initial update to the CrowdPay and Crowd Ignition platforms during the fourth quarter of 2026, with a full launch anticipated in early 2027. The Company expects the platforms to support stablecoin payment options, which would be provided through licensed or otherwise authorized third-party payment providers and not by the Company. Development and launch of the application are subject to applicable securities laws and other regulatory requirements, and there is no assurance that the application will be launched on the anticipated timeline, or at all. See Item 1A, “Risk Factors.”

OmniSoft, Inc. (“OmniSoft”) operates a software platform for small merchants. The Omnicommerce applications work on an iPad, mobile device and the web and allow customers to sell a store’s products in a physical, retail setting. To date, the activities of this subsidiary have been nominal when compared to the overall business.

The Company markets its AI-enabled merchant applications under the iStores AI and ShopFast AI brands, and provides credit card payment gateway services under the SecurePay™ brand. SecurePay™ is designed primarily around AI-based fraud detection, including real-time transaction screening and dynamic risk scoring, together with AI-assisted merchant boarding and underwriting workflows. SecurePay™ integrates with third-party accounting, payment and authentication providers, including QuickBooks, PayPal, 3-D Secure authentication (a protocol developed by Visa) and TSYS, a payment processor. SecurePay™ also supports automated clearing house (“ACH”) payment services.

On May 14, 2021, the Company formed its wholly owned subsidiary, OLBit, Inc. (“OLBit”). The purpose of OLBit is to hold the Company’s assets and operate its business related to its emerging lending and transactional business leveraging the Company’s Bitcoin Business and Fintech Services business. To date, the activities of this subsidiary have been nominal. The Company is resuming the process of obtaining money transmitter licenses (“MTLs”) for OLBit, including the preparation and submission of license applications in the states in which the Company intends to conduct OLBit’s lending and transactional business, and is continuing to plan the scope and sequencing of those filings. Issuance of MTLs is subject to review and approval by state regulators, and there is no assurance that the Company will obtain any MTL, or that it will do so on the timeline it currently anticipates.

On June 15, 2023, the Company purchased Moola Cloud, LLC (“Moola Cloud”), formerly known as SDI, LLC a Florida LLC whose platform and network serve approximately 31,600 bodega convenience stores in and around the country in all 50 states.

Moola Cloud is a wholly owned subsidiary. The new POS solution described above is being developed for the Moola Cloud merchant network and will combine payment acceptance with a self-service website builder, enabling merchants to create and maintain their own eCommerce storefronts alongside their in-store operations. The POS solution has been upgraded and is ready for implementation at merchant locations.

The Company also provides eCommerce development and consulting services on a project-by-project basis, including custom artificial intelligence-based development projects for merchants and other clients that are related to transaction processing and other transaction-driven activities.

Bitcoin Mining Business:

On July 23, 2021, the Company formed its wholly owned subsidiary, DMINT, Inc., (“DMINT”). The purpose of DMINT is to operate its business related to Bitcoin mining (“Bitcoin Business”). The Company is currently in the process of spinning off DMINT into a stand-alone entity. On October 21, 2024, DMINT filed a Registration Statement on Form S-1 with the Securities and Exchange Commission relating to the proposed spin-off and the resulting issuance of DMINT equity to the Company’s stockholders. The spin-off distribution is expected to occur upon the Registration Statement being declared effective and the approval by the Nasdaq Capital Market of the listing of DMINT’s common stock, at which time the shares of DMINT common stock held by the Company are expected to be distributed to the Company’s stockholders on a pro rata basis. Completion of the spin-off is subject to these conditions, and there is no assurance that the spin-off will be completed.

On June 24, 2022 the Company formed DMINT Real Estate Holdings, Inc., a wholly-owned subsidiary of DMINT. The purpose of DMINT Real Estate Holdings, Inc is to buy and hold real estate related to DMINT. Currently, its only asset is the building and property located in Selmer, Tennessee where all of the mining computers are located.