Upay (UPYY) 10-Q2024 Q1 Quarterly report

Filed: 15 Jul 24, 5:14pm

Content analysis

Positive
Negative
Uncertain
Constraining
Legalese
Litigious
Readability	8th grade Good

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Removed: active, adaptable, adjusted, adjustment, agree, allocate, annually, applying, approximate, arising, arrangement, ASC, assist, assured, back, bearing, borrow, borrowing, built, calculate, called, capture, charged, claw, closing, collateralized, collectability, collecting, combination, combined, combining, communication, comparative, component, computed, computer, confirm, Continuance, contract, contractual, cover, create, cumulative, currency, debt, deduct, deducted, deduction, depict, derived, determinable, determine, diluted, dilution, direct, directly, display, displayed, distribute, distribution, dividing, doubtful, email, entitled, environment, EPS, estimated, evergreen, exercised, expand, extend, face, factor, FDIC, foreign, fulfill, functional, greater, guidance, hand, hierarchy, highly, hour, identical, identify, impairment, implicit, imported, inception, increasing, increment, incremental, individual, initial, installment, institution, instruct, instrument, insured, intact, investment, invoiced, invoicing, involve, issuance, June, legally, liquid, longer, lump, mandate, maturity, measurable, method, methodology, migrate, model, nature, negatively, notice, number, observable, obtained, occur, offered, onboarded, payroll, periodically, plant, point, potential, precision, predecessor, premium, previously, principle, prior, product, program, quoted, rand, receivable, receiving, recognition, recognize, recoverable, reflect, relevant, reliable, reliably, requested, reserved, retained, retrospectively, return, reviewed, ROU, run, satisfied, scope, screen, scrum, selected, send, separate, sheet, short, significantly, specific, standard, stated, stream, subjective, sum, supporting, terminated, testing, timing, Trade, transferring, translate, translated, translation, treasury, typically, unforeseen, unique, unobservable, Unpaid, valuation, VeriCred, verified, verify, whichever, work, worldwide, XDS

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EXHIBIT 32.2

CERTIFICATION PURSUANT TO 18 U.S.C. SECTION 1350,

AS ADOPTED PURSUANT TO SECTION 906

OF THE SARBANES-OXLEY ACT OF 2002

Pursuant to Section 906 of the Sarbanes-Oxley Act of 2002 (subsections (a) and (b) of Section 1350, Chapter 63 of Title 18, United States Code), the undersigned officer of UPAY, Inc. (the “Company”), does hereby certify, to such officer’s knowledge, that:

The Quarterly Report on Form 10-Q for the quarter ended May 31, 2019 (the “Form 10-Q”) of the Company fully complies with the requirements of Section 13(a) or 15(d), as applicable, of the Securities Exchange Act of 1934 and the information contained in the Form 10-Q fairly presents, in all material respects, the financial condition and results of operations of the Company as of, and for, the periods presented in the Form 10-Q.

Date: July 15, 2024

/s/ Jaco C. Folscher
Jaco C. Folscher
Chief Financial Officer/Chief Accounting Officer
(Principal Financial Officer/Chief Financial Officer/Principal Accounting Officer)

The foregoing certifications are being furnished as an exhibit to the Form 10-Q pursuant to Item 601(b)(32) of Regulation S-K and Section 906 of the Sarbanes-Oxley Act of 2002 (subsections (a) and (b) of Section 1350, Chapter 63 of Title 18, United States Code) and, accordingly, is not being filed as part of the Form 10-Q for purposes of Section 18 of the Securities Exchange Act of 1934, as amended, and is not incorporated by reference into any filing of the Company, whether made before or after the date hereof, regardless of any general incorporation language in such filing.