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LOANS PAYABLE
 12 Months Ended
Dec. 31, 2025
Notes and other explanatory information [abstract]  
LOANS PAYABLE

NOTE 22 — LOANS PAYABLE

 

As of December 31, 2025 and 2024, loans payable consisted of:

 

   2025   2024 
   As of December 31, 
   2025   2024 
Loans payable – current portion  $8,577,774   $229,815 
Loans payable – non-current portion   -    10,033,989 
Total  $8,577,774   $10,263,804 

 

Education Angels has obtained line of credit for working capital requirement in 2020, 2021 and 2022. The loans are secured by the guarantees of the Director and do not have covenant clauses. The outstanding principal as of December 31, 2025 and December 31, 2024 are as follows:

 

Loan Type  Start
Date		   Loan
Amount		   Tenure  Interest Rate   Outstanding
as of
December 31,
2025		   Outstanding
as of
December 31,
2024		 
IRD Loan  2020   $20,063   72 Months   3.25%  $-   $3,088 

 

Property Investors Network Ltd and Pin Shelf Ltd has obtained line of credit for the working capital requirement in 2020 and 2022. The loans are secured by the guarantees of the Director and do not have covenant clauses. The outstanding principal amount as of December 31, 2025 and December 31, 2024 are as follows –

 

Loan Type  Start
Date		   Loan
Amount		   Tenure  Interest
Rate		   Outstanding
as of
December 31,
2025		   Outstanding
as of
December 31,
2024		 
Lloyds CBIL (PIN)  2020   $239,540   60 Months   2.80%  $26,626   $74,344 
Funding Circle Loan (PIN)  2022   $380,804   48 Months   9.30%  $10,520   $121,576 
The Funding Circle (PIN Shelf)  2022   $116,054   48 Months   9.30%  $3,206   $37,052 
Lloyds Bounceback Loan (PIN Shelf)  2022   $51,378   72 Months   2.50%  $5,603   $17,731 
Other loans  2021   $14,269   -   -   $10,758   $10,013 

 

BTC Backed Loan

 

The details of the loans and outstanding balance as of December 31, 2025 and December 31, 2024 are as follows –

 

Loan Type  Start
Date		   Loan
Amount		   Tenure  Interest
Rate		   Outstanding
as of
December 31,
2025		   Outstanding
as of
December 31,
2024		 
Arch Lending (BTC Collateral)  2024    10,000,000   18 Months   13.90%  $-   $10,000,000 
Promissory note (Alto Opportunity)  2024    5,720,000   18 Months   0%  $-   $- 
Ledn Lending (BTC Collateral)  2025    12,040,000   12 Months   10.71%  $8,510,498   $- 

 

Genius Group Ltd has outstanding loan obligation of US$8,510,498 with the BTC collateral of 154 BTC with Ledn. As of December 31, 2024, the Company had outstanding loan of US$10,000,000 with the BTC collateral of 208.71799579.

 

Yayasan Pro Education International Center and PT Pro Education Indonesia has obtained the below for the buses. The outstanding principal amount as of December 31, 2025 and December 31, 2024 are as follows –

 

Loan Type  Start
Date		   Loan
Amount		   Tenure  Interest
Rate		   Outstanding
as of
December 31,
2025		   Outstanding
as of
December 31,
2024		 
Loan – Bus  2023    42,250   72 Months   -   $10,562   $      - 

 

Annual estimated total principal repayments are US$8,577,773 in 2026.