This is a tech and telecom company serving communities that are often overlooked by traditional banking services. They operate through subsidiaries like SurgePhone and Torch Wireless, providing subsidised mobile broadband to low-income subscribers across the United States. It operates a platform that enables convenience stores to offer a range of prepaid wireless and financial products to customers who are underbanked. It utilises blockchain technology to turn local stores into tech hubs for underserved neighbourhoods, making it easier to bring financial products directly to these communities. SurgePhone and Torch are wholly-owned subsidiaries of SurgePays, and they are licensed by the Federal Communications Commission as mobile virtual network operators (MVNO).