SurgePays is a wireless services and point-of-sale technology company focused on low-income, underserved consumers in the U.S. The company operates through a network of roughly 9,000 independently owned convenience stores and bodegas, which serve as distribution points for wireless activations, prepaid top-ups, and financial transactions. SurgePays serves two wireless brands: Torch Wireless, a government-subsidized Lifeline program that provides free or discounted service to eligible low-income consumers, and LinkUp Mobile, a non-subsidized prepaid wireless brand sold through retail stores and online. SurgePays operates as an MVNO on AT&T's network, and also holds a direct carrier agreement enabling it to act as an MVNE — providing network access, billing, and SIM provisioning to third-party MVNOs on a recurring per-subscriber fee basis. The company's proprietary POS software, installed at retail partner locations, processes prepaid top-ups across any carrier, activates SIM cards, and handles financial transactions, generating recurring transaction fees tied to store traffic. SurgePays is also building SaaS revenue through ClearLine, a digital marketing and loyalty platform embedded at payment terminals, and in-store advertising via installed smart TVs. The core business model creates a self-reinforcing loop: POS software onboards stores, stores activate wireless subscribers, and subscribers generate recurring wireless and platform revenue. Near-term growth focuses on scaling Lifeline subscribers in high-margin states and expanding LinkUp Mobile retail distribution toward a target of 100,000 store locations.