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U.S.
SECURITIES AND EXCHANGE COMMISSION






WASHINGTON,
DC 20549












FORM


10-K
















ANNUAL REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 FOR THE FISCAL YEAR ENDED













TRANSITION REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934






For
the transition period from


April 1, 2021


to




December 31


,


2021




.








Commission
File Number


000-27019













INVESTVIEW,
INC.







(Exact
name of registrant as specified in its charter)





















Nevada










87-0369205





(State
or other jurisdiction of incorporation)






(I.R.S.
Employer Identification No.)










234
Industrial Way West


,


Ste A202








Eatontown


,


New Jersey




07724






(Address
of principal executive offices)








Issuer’s
telephone number:


732


-


889-4300










Securities
registered pursuant to Section 12(b) of the Act: None























Title
of each class




Trading
Symbol(s)




Name
of each exchange on which registered



















Securities
registered pursuant to Section 12(g) of the Act:















Common
Stock, $0.001 Par Value Per Share



(Title
of Class)








Indicate
by check mark whether the registrant is a well-known seasoned issuer as defined in Rule 405 of the Securities Act. Yes ☐


No











Indicate
by check mark if the registrant is not required to file reports pursuant to Section 13 or Section 15(d) of the Act. Yes ☐


No











Indicate
by check mark whether the registrant (1) has filed all reports required to be filed by Section 13 or 15(d) of the Securities Exchange
Act of 1934 during the preceding 12 months (or for such shorter period that the registrant was required to file such reports), and (2)
has been subject to such filing requirements for the past 90 days.


Yes


☒ No ☐








Indicate
by check mark whether the registrant has submitted electronically every Interactive Data File required to be submitted pursuant to Rule
405 of Regulation S-T (§ 229.405 of this chapter) during the preceding 12 months (or for such shorter period that the registrant
was required to submit and post such files).


Yes


☒ No ☐








Indicate
by check mark whether the registrant is a large accelerated filer, an accelerated filer, a non-accelerated filer, smaller reporting company,
or an emerging growth company. See the definitions of “large accelerated filer,” “accelerated filer,” “smaller
reporting company,” and “emerging growth company” in Rule 12b-2 of the Exchange Act. (Check one):





















Large
accelerated filer ☐



Accelerated
filer ☐





Non-accelerated
filer






Smaller
Reporting Company











Emerging
growth company













If
an emerging growth company, indicate by check mark if the registrant has elected not to use the extended transition period for complying
with any new or revised financial accounting standards provided pursuant to Section 13(a) of the Exchange Act. ☐








Indicate
by check mark whether the registrant has filed a report on and attestation to its management’s assessment of the effectiveness
of its internal control over financial reporting under Section 404(b) of the Sarbanes-Oxley Act (15 U.S.C. 7262(b)) by the registered
public accounting firm that prepared or issued its audit report.













Indicate
by check mark whether the registrant is a shell company (as defined by Rule 12b-2 of the Exchange Act) Yes ☐


No











State
the aggregate market value of the voting and non-voting common equity held by non-affiliates computed by reference to the price at which
the common equity was last sold, or the average bid and asked price of such common equity, as of the last business day of the registrant’s
most recently completed second fiscal quarter. As of June 30, 2021, the aggregate market value of the issued and outstanding common stock
held by non-affiliates of the registrant, based upon the closing price per share of $0.159 of the common stock as traded on the OTCQB
was approximately $


373,823,108


.








Indicate
the number of shares outstanding of each of the registrant’s classes of common stock, as of the latest practicable date. As of
May 13, 2022, there were


2,711,108,823




shares of common stock par value $0.001 per share, outstanding.








Documents
incorporated by reference:


NONE



















































INVESTVIEW,
INC.












2021
FORM 10-K ANNUAL REPORT












Table
of Contents





















































































































PART I



5



Item 1. Business




5




Item 1A. Risk Factors




9




Item 1B. Unresolved Staff Comments




18




Item 2. Properties




18




Item 3. Legal Proceedings




18




Item 4. Mine Safety Disclosure




18




PART II




19




Item 5. Market for Registrant’s Common Equity, Related Stockholder Matters and Issuer Purchases of Equity Securities




19




Item 6. Selected Financial Data




19




Item 7. Management’s Discussion and Analysis of Financial Condition and Results of Operations




19




Item 7A. Quantitative and Qualitative Disclosures about Market Risk




27




Item 8. Financial Statements and Supplementary Data




27




Item 9. Changes In and Disagreements with Accountants on Accounting and Financial Disclosure




27




Item 9A. Controls and Procedures




27




Item 9B. Other Information




28




Item 9C. Disclosure Regarding Foreign Jurisdictions that Prevent Inspections




28




PART III



29





Item 10. Directors, Executive Officers and Corporate Governance




29




Item 11. Executive Compensation




31




Item 12. Security Ownership of Certain Beneficial Owners, Management and Related Stockholder Matters




35




Item 13. Certain Relationships and Related Transactions, and Director Independence




36




Item 14. Principal Accountant Fees and Services




40




Item 15. Exhibits and Financial Statement Schedules




41




Item 16. Form 10-K Summary




46




SIGNATURES




47














2

















CAUTIONARY
NOTE REGARDING FORWARD-LOOKING STATEMENTS









CERTAIN
STATEMENTS CONTAINED IN THIS REPORT MAY CONTAIN “FORWARD-LOOKING STATEMENTS” WITHIN THE MEANINGS OF SECTION 27A OF THE SECURITIES
ACT OF 1933, AS AMENDED, AND SECTION 21E OF THE SECURITIES EXCHANGE ACT OF 1934, AS AMENDED. THESE STATEMENTS, WHICH INVOLVE RISKS AND
UNCERTAINTIES, REFLECT OUR CURRENT EXPECTATIONS, INTENTIONS, OR STRATEGIES REGARDING OUR POSSIBLE FUTURE RESULTS OF OPERATIONS, PERFORMANCE,
AND ACHIEVEMENTS. FORWARD-LOOKING STATEMENTS INCLUDE, WITHOUT LIMITATION: STATEMENTS REGARDING FUTURE PRODUCTS OR PRODUCT DEVELOPMENT;
STATEMENTS REGARDING FUTURE SELLING, GENERAL AND ADMINISTRATIVE COSTS AND RESEARCH AND DEVELOPMENT SPENDING; STATEMENTS REGARDING THE
FUTURE PERFORMANCE OF OUR NETWORK MARKETING EFFORTS; STATEMENTS REGARDING OUR EXPECTATIONS REGARDING ONGOING REGULATORY MATTERS AND PENDING
OR THREATENED LEGAL PROCEEDINGS; STATEMENTS REGARDING INTERNATIONAL GROWTH; AND STATEMENTS REGARDING FUTURE FINANCIAL PERFORMANCE, RESULTS
OF OPERATIONS, CAPITAL EXPENDITURES AND SUFFICIENCY OF CAPITAL RESOURCES TO FUND OUR OPERATING REQUIREMENTS.








THESE
FORWARD-LOOKING STATEMENTS MAY BE IDENTIFIED IN THIS REPORT BY WORDS SUCH AS “ANTICIPATE”, “BELIEVE”, “COULD”,
“ESTIMATE”, “EXPECT”, “INTEND”, “PLAN”, “PREDICT”, “PROJECT”,
“SHOULD” AND SIMILAR TERMS AND EXPRESSIONS, INCLUDING REFERENCES TO ASSUMPTIONS AND STRATEGIES. THESE STATEMENTS REFLECT
OUR CURRENT BELIEFS AND ARE BASED ON INFORMATION CURRENTLY AVAILABLE TO US. ACCORDINGLY, THESE STATEMENTS ARE SUBJECT TO CERTAIN RISKS,
UNCERTAINTIES, AND CONTINGENCIES, WHICH COULD CAUSE OUR ACTUAL RESULTS, PERFORMANCE, OR ACHIEVEMENTS TO DIFFER MATERIALLY FROM THOSE
EXPRESSED IN, OR IMPLIED BY, SUCH STATEMENTS.








The
following factors are among those that may cause actual results to differ materially from our forward-looking statements:











































































































































the
continuing impact of the COVID-19 pandemic on our business, employees, members, operating
results, and ability to obtain additional funding;











failure


to execute
our product launch process due to increased pressure on our supply chain, information systems,
and management;











disruptions
in our information technology systems;











failure


to protect
against cybersecurity risks and to maintain the integrity of data;











international
trade or foreign exchange restrictions, increased tariffs, and foreign currency exchange
fluctuations;











deterioration
of global economic conditions;











inability
to raise additional capital if needed;











expensive
and time-consuming legal proceedings;








failure
to comply with anti-corruption laws;







potential
for investigatory and enforcement action by the federal and state regulatory authorities;










an
adverse outcome of any proceedings with the SEC in which we may be involved from time to
time;











any
adverse developments that may arise out of the current investigatory action by the Securities
and Exchange Commission (See Item 3. “Legal Proceedings”);








volatility
of the market price of our common stock;











3





























































































































economic,
political, foreign exchange, and other risks associated with international operations;








failure
of new products to gain distributor or market acceptance;










noncompliance
by our independent distributors with applicable legal requirements or our policies and procedures;











failure


to directly
provide oversight and direction to our independent distributors;











inability
to retain independent distributors or to attract new independent distributors on an ongoing
basis;











unexpected
tax or other assessments relating to the activity of our independent distributors;








government
regulations on direct selling activities in our various markets prohibiting or severely restricting
our business;







a
finding that our direct selling program is not in compliance with current or newly adopted
laws or regulations in various markets;










the
unique industry risks associated with our Bitcoin mining operations that are largely outside
of our control and that could have material adverse effects on our business, including, among
others: risks associated with the need for significant amounts of low-cost and reliable electricity;
changes to laws pertaining to mining or holding Bitcoin; our need for consistent, high-speed,
and highly secure Internet connectivity; intense competition for new miners and the necessary
infrastructure to support industrial-scale Bitcoin mining operations; cybersecurity risks;
increased global Bitcoin network hash rate and difficulty; and competition for a fixed supply
of Bitcoin rewards;











inability
to make accurate projections about our business and future contingencies as a result of the
significant price volatility of Bitcoin and other risks other risks largely outside of our
control, such as our suppliers’ inability to perform or timely deliver the new miners,
parts, or services we purchase from them;











failure


to effectively
secure required commercial power, equipment and/or material to implement an air-cooled
and/or immersion-cooled Bitcoin mining infrastructure or to realize the benefits we anticipate
from our substantial investment in air-cooled Bitcoin mining on the schedule we anticipate,
if at all;























































inability
to manage existing markets, open new international markets, or expand our operations;



















potential
adverse effects on our business and stock price due to ineffective design and oversight of our internal controls over financial reporting
and other processes;



















unfavorable
publicity on our business or products, particularly associated with the ongoing regulatory matters with the Securities and Exchange
Commission and the recent termination of our former CEO following the announcement of civil and criminal charges filed against him
in connection with his activities unrelated to Investview and its businesses; and



















loss
of, or inability to attract, build and integrate our management team and other key personnel.








When
considering these forward-looking statements, investors should keep in mind the cautionary statements in this report. Except as required
by law, we have no obligation and do not undertake to update or revise any such forward-looking statements to reflect events or circumstances
after the date of this report.














4
















PART
I










Item
1. Business









General










Investview, Inc., a Nevada corporation (which

we refer to as “we,” “us,” “our,” “Investview,”
or the “Company”), a financial technology (FinTech) services company, operates several different businesses, including
a Financial Education and Technology business that delivers a series of products and services involving financial education, digital
assets and related technology, through a network of independent distributors; a Blockchain Technology and Crypto Mining Products and
Services business including leading-edge research, development and FinTech services involving the management of digital
asset technologies with a focus on Bitcoin mining and the new generation of digital assets; and a Brokerage and Financial Markets
business that is currently in the early stages but plans to expand within the investment management and brokerage industries by
commercializing on a proprietary trading platform we acquired in September 2021.









Business












Financial
Education and Technology











Through
our wholly-owned subsidiary, iGenius, LLC (“iGenius”), we deliver multiple services and products, both domestically and
internationally, through a direct selling network, also known as multi-level marketing, of independent distributors that are
offering our products and services through a subscription-based revenue model to a large base of customers that we refer to as
“members”. These services and products consist of the offering of research, education, and investment tools designed to assist
the self-directed investor in successfully navigating the financial markets, including equities, options, FOREX, ETFs, binary options,
and cryptocurrency. We have multiple tiers of membership at varying upfront and monthly subscription costs, which provide members
with the ability to select from a range of membership packages to meet their product and service needs and price point. We offer first
time members a guarantee of satisfaction, whereby, during the designated trial period (10 days from initial purchase for domestic customers
and 14 days from initial purchase for international customers) if the member for any reason is not satisfied with our products or services,
the member may request a full refund of their subscription.








Our
services include access to our library of educational content, as well as access to live and recorded education sessions, and trade alerts
provided by independent market experts who are experienced professionals. In addition to trading tools and research, we also offer access
to education and software applications that are designed to assist our members in debt reduction, increased savings, budgeting, and proper
tax management. Each product subscription includes a core set of trading tools and research along with the personal finance management
suite to provide an individual with access to the information necessary to cultivate and manage his or her finances and investment objectives.
In addition to the financial education technology and tools, iGenius members also gain access to a variety of benefits provided through
third party partnerships and affinity arrangements, including access to a discounted travel portal, crypto trading software and a digital
wallet platform. Further, through a distribution arrangement we have with Oneiro NA, Inc., we have provided our members with an opportunity
to purchase through Oneiro a specialty form of adaptive digital currency called “ndau”. Ndau is differentiated from other
existing cryptocurrencies by its built-in structures that incentivize stability and potential for growth as well as its more energy efficient
algorithm. We have also periodically engaged in the purchase of ndau to hold in our inventory.








We
believe that the use of a direct selling distribution network is an effective way to market our products and services for purchase
because demand for financial education and other services is strengthened by the ongoing personal contact between members and distributors.
In addition, most of our distributors are members and use our products and services themselves, and therefore can provide first-hand
testimonials about our products and services, which can serve as a powerful sales tool.











Blockchain
Technology and Crypto Mining Products and Services











Through
our wholly-owned subsidiary, SAFETek, LLC (“SAFETek”), we operate a Blockchain technology company that provides
leading-edge research, development, and FinTech services involving the management of digital asset technologies with a focus
on Bitcoin mining and the new generation of digital assets. At our North American and other international locations, SAFETek owns
and manages nearly 10,000 next-generation Bitcoin

application-specific integrated circuit
(“ASIC”)

miner machines, with over 98% of such machines being powered by geothermal renewable energy. Bitcoin
mined at our locations is used to pay certain of our expenses, including bonus and commission payments to our U.S. and foreign
independent distributors for our iGenius business, or otherwise held for investment purposes. We are also developing new and more
efficient ways to mine cryptocurrencies through innovations in hardware, liquid immersion, firmware, and additional ways to develop
and utilize renewable energy sources. The majority of this development and innovation work occurs at SAFETek’s 20,000 square
foot facility in Conroe, Texas that was opened in May 2021. At this facility, SAFETek operates a round-the-clock Network
Operation Center (NOC) to achieve higher efficiency, productivity, and availability of Bitcoin Mining Servers; a Bitcoin ASIC
Miner Repair Service center to clean, refurbish and optimize our existing Bitcoin Mining Servers as well as those of third
party customers; a research and development center to test and develop new Bitcoin Mining firmware and liquid immersion systems; a
manufacturing facility to build Mobile Bitcoin Mining Data Center (MDC) Facilities; and producing and manufacturing
facilities providing approximately 3-megawatts of data center capacity capable of supporting approximately 800 of the latest
generation miners per mobile data center for internal use and/or for sale to third party customers. Through these
products and services, we aim to increase the hash rate, uptime, profitability, and overall ROI of our crypto currency mining
operations.














5















Brokerage
and Financial Markets











In
order to, among other things, commercialize on the proprietary trading platform we recently acquired from MPower Trading Systems,
LLC, take advantage of the market’s increasing acceptance and expansion of the ownership and use of digital currencies as an investable
asset class (subject to any applicable regulatory limitations) and to proactively respond to increasing regulatory scrutiny relative
to cryptocurrency products, we have adopted a growth plan that contemplates our expansion into the brokerage and financial markets
business. Our growth plan contemplates the establishment of a suite of financial services that will include self-directed
brokerage services, institutional trade execution services, innovative advisory services (RIA, CTA), and codeless algorithmic trading
technologies, which will operate under our recently formed subsidiary, Investview Financial Group Holdings, LLC (“IFGH”).








As
part of this growth plan, in September 2021, we completed the acquisition of

the operating assets
and intellectual property rights of MPower


Trading Systems, LLC, the developer and owner
of Prodigio, a proprietary software-based trading platform with applications within the brokerage industry.

In March 2021,
we also entered into agreements for the acquisition of LevelX, a brokerage firm owned by

SSA Technologies
LLC, a company that is controlled by Joseph Cammarata, our former chief executive officer (“LevelX”). See Item
13. “

Certain Relationships and Related Transactions, and Director Independence”

.
The completion of the closing of the LevelX transaction is subject to various closing conditions, including obtaining FINRA approval
to the change of control transaction, which we believe has been impeded due to

certain complications relating to legal proceedings
involving Mr. Cammarata in connection with his activities unrelated to Investview and its businesses

.

If FINRA approval is

not forthcoming, we are likely to abandon the LevelX acquisition
and search for alternative acquisitions within the brokerage industry.








Our
wholly-owned subsidiary, SAFE Management, LLC (“SAFE Management”), owns a currently dormant registered investment advisor
and a commodity trading advisor registered with the National Futures Association (NFA). However, we plan to relaunch its services under
the IFGH umbrella in 2022 to primarily focus on commodities and FOREX.









Apex
Tek, LLC









Historically,
through our wholly-owned subsidiaries Apex Tek, LLC and SAFETek, we sold high powered data processing equipment, known as the Apex
package, to our customers which equipment was then leased back to us for our crypto mining operations. We discontinued sales of the
Apex package in June 2020 principally due to supply chain issues related to COVID-19, and implemented a buy-back program whereby we
offered to repurchase such equipment and cancel the existing lease, by way of a 48-month promissory note. Through the buy-back
program, we repurchased approximately 99% of the Apex equipment in late 2020. We repaid approximately $4 million on account of such
promissory notes during the nine months ended December 31, 2021 and continue to pay monthly installments under the promissory
notes as they become due. See Item 7. “Management’s Discussion and Analysis of Financial Condition and Results of
Operations”.











Sales
and Marketing











We
market our

financial education and technology

services and products through a network of
independent “distributors” located both

within the United States and internationally
who market our products and services to customers through direct selling techniques, also known as multi-level marketing,
and sponsor other independent distributors who also market our products and services to customers. Our independent
distributors are generally members who elect to participate in our distribution program. Approximately 12% -14% of our customers
are currently also distributors. We have adopted various policies and procedures to which our independent distributors are expected
to adhere. We also provide training. We seek to motivate our independent distributors by offering high quality products and services
and providing product support and financial incentives.

iGenius distributors are eligible to receive bonuses on sales
of new memberships and on upgrades in membership sold to their personally enrolled members. Bonuses for enrollments and upgraded enrollments
vary depending on the level of membership that a member is enrolled in. In addition, our distributors are eligible for residual
bonuses each time their personally enrolled members renew their subscriptions.

We believe that
the opportunity for our independent distributors to earn bonuses and commissions contributes significantly to our ability to retain our
most active and productive distributors.









We
principally market our

Blockchain technology and crypto mining products

and services through
trade shows, business to business marketing and Blockchain supporting relationships.








In the
United States, we generally sell our products and services on a cash or credit card basis. We also accept Bitcoin as a
form of payment and use it to satisfy liabilities.











Materials
and Suppliers









Digital
asset mining is dependent on specialized digital asset mining hardware utilizing ASIC chips to solve blocks on blockchains using the


256-bit

secure
hashing algorithm. Almost all of these miners are produced outside of the United States, mostly in China and Southeast Asia, by a few
manufacturers.

As the market value of digital assets has increased, the demand for the newest, most efficient miners has also
increased, leading to scarcity in the supply, and thereby a resulting increase in the price of miners. While we do our own repairs at
our facility in Texas, our mining business is highly dependent upon digital asset mining equipment suppliers providing an adequate supply
of new generation digital asset mining machines at economical prices to enable profitable mining by us and by third-party customers intending
to purchase our hosting and other solutions. We believe that our relationships with our power suppliers are good and that we have
sufficient supply to conduct our business operations as presently contemplated.














6

















Competition











Our
financial education and technology


services and products

are sold in competition with other companies, some of which have greater sales volumes and financial
resources than we do, and sell brands that are, through advertising and promotions, better known to consumers. We rely on our independent
distributors to compete effectively in the direct selling markets, and our ability to attract and retain independent distributors depends
on various factors, including the training, support, quality product offerings and financial incentives for the independent distributors.









With
respect to our cr

ypto mining business, we operate in a highly competitive environment.

The
primary drivers of competition are demand for Bitcoin, sufficient capital resources to acquire large quantities of high-quality miners,
the ability to secure these miners from a limited number of suppliers on rapid delivery schedules, and the ability to generate the highest
productivity. Recently, there has been a significant increase in the number of Bitcoin miners attempting to expand their mining operations
at scale. As more Bitcoin miners enter the space, we expect additional pressure on the industry, with greater competition for access
to miners and mining infrastructure, which is in limited supply. Data center hosting is also highly competitive in the Bitcoin mining
space. Our Bitcoin ASIC miner machines are nearly all powered by renewable energy, which allows us to control our power costs, enabling
us to focus on optimizing our mining returns.









Government
Regulation










General









We
are subject to government regulation in connection with securities laws and regulations applicable to all publicly owned companies as
well as laws and regulations applicable to businesses generally. We are also increasingly subject to governmental regulation and legislation
specifically targeting Internet companies, such as privacy regulations and taxes adopted at the local, state, national and international
levels. Due to the increasing use of the internet, enforcement of existing laws, (such as consumer protection regulations in connection
with web-based activities), has become more aggressive, and it is expected that new laws and regulations will continue to be enacted
at the local, state, national, and international levels. Such existing and new legislation, alone or combined with increasingly aggressive
enforcement of existing laws, could have a material adverse effect on our future operating performance and business.









Distribution
Network Model









Our
direct selling activities are regulated by the

Federal Trade Commission (“FTC”)

,
as well as various federal, state and local governmental agencies in the United States and foreign countries. These laws and regulations
are generally intended to prevent fraudulent or deceptive schemes, often referred to as “pyramid” schemes, which compensate
participants primarily for recruiting additional participants without sufficient emphasis on providing tangible products and/or services.
The laws and regulations governing direct selling are modified from time to time, and, like other direct selling companies, we may
be subject from time to time to government investigations related to our direct selling activities. This may require us to make changes
to our business model and our sales compensation plan.









Cryptocurrency
Mining











Cryptocurrency
mining is largely an unregulated activity at both the state and federal level, but

government regulation
is being actively considered by the United States federal government via a number of agencies and regulatory bodies. Regulations may
substantially change in the future and it is presently not possible to know how regulations will apply to or impact our businesses,
or when they will be effective

. United States and foreign country regulation of cryptocurrency mining is also important
and determinative with respect to where we conduct our mining operations.








As
the regulatory and legal environment evolves, we may become subject to new laws, such as further regulation by the SEC and other agencies,
which may affect our mining and other activities. For additional discussion regarding our belief about the potential risks existing and
future regulation pose to our business, see Part I, Item 1A. “Risk Factors” beginning on page 9 of this Annual Report.









Regulations
relating to Brokerage and Financial Technologies Services









SAFE
Management, our Commodity Trading Advisor, is registered with the National Futures Association and is also a New Jersey State Registered
Investment Adviser (“RIA”), Commodities Trading Advisor (“CTA”), and Commodity Pool Operator registered with
the U.S. Commodity Futures Trading Commission (“CFTC”), and is approved by the NFA for over-the-counter FOREX advisory services.
As a New Jersey-registered RIA, we are required to comply with the laws and regulations of those states in which we have the requisite
number of customers governing the activities of investment advisers and the fees they can charge, as well as certain provisions of the
Investment Adviser Act of 1940. As an NFA member with the designation CTA, Commodity Pool Operator, and OTC FOREX adviser, we are required
to comply with federal law and CFTC rules regulating those activities.














7


















We
have established these registrations and the advisory structure to offer automated trade execution, which is managed by SAFE Management,
in its capacity as an RIA, for equities and equity options and in its capacity as a CTA for commodities, futures, and OTC Forex. In addition,
SAFE Management provides traditional advisory services for clients who do not wish to trade for themselves. Automation of trades is only
available through SAFE Management.








In
addition, FINRA approval to the change of control transaction is required as a condition to our proposed acquisition of LevelX, t

he
FINRA-registered broker-dealer. There can be no assurances that we will obtain such approval from FINRA

.











Human
Capital Resources









As
of March 31, 2022, we had 37 employees, of which 33 were full-time and 4 are part-time.

None
of these employees are covered by a collective bargaining agreement. We have experienced no work stoppages and consider our relations
with our employees to be good.

We contract with a professional employer organization, or PEO, that administers our human resources,
payroll and employee benefits functions for our employees in the United States. Although we recruit and select our workers, each of these
workers is also an employee of record of the PEO. As a result, these workers are compensated through the PEO, are governed by the
work policies created jointly by us and the PEO and receive their annual wage statements and other payroll or labor related reports from
the PEO.








In
addition to our employees, our human capital resources also include our independent distributors for our iGenius products and services,
who are located worldwide. For information about our independent distributors, see Item 1. Business—“Sales and Marketing.”









Intellectual
Property











We
rely on a combination of trade-secret protection and confidentiality and/or license agreements with our employees, distributors, customers,
partners, and others to protect our proprietary rights. It is our general practice to enter into confidentiality and invention
assignment agreements with all of our employees and independent contractors. Such agreements include a confidentiality undertaking by
the employee or independent contractor; ensure that all new intellectual property developed in the course of our relationship with employees
or independent contractors is assigned to us; and require the employee or independent contractor to cooperate with us to protect our
intellectual property during and after their relationship with us.








With
respect to our

Financial Education and Technology business, w

e recently applied for a trademark
of “iGenius” with the U.S. Patent and Trademark Office and the application is still in process. Our trademark (in application), educational materials, domain names and customer lists are needed for us to remain competitive.








With
respect to our

cryptocurrency


mining business,
w

e actively use specific hardware and software. In certain cases, source code and other software assets may be subject to an open
source license, as much technology development underway in this sector is open source. For these works, we adhere to the terms of any
license agreements that may be in place. We do not currently own, and do not have any current plans to seek, any patents in connection
with our existing and planned blockchain and cryptocurrency related operations.








With
respect to our planned Brokerage and Financial Markets business, in September 2021 we acquired

the
source code and object code of the operational commercial ready front-end and middle office proprietary Prodigio SMART (Signal Management
Automated Real-time Robotic Trading system) Trading Platform, all know-how and other intellectual property necessary, useful
and/or used in the software. The acquisition is not expected to be immediately accretive to our results; however, together with our planned
acquisition of LevelX (or another broker-dealer if the LevelX acquisition is not consummated), it is expected to become a fundamental
part of an overall strategy to expand the scope of our

Brokerage and Financial Markets business

.
See

Part I, Item 1A. “Risk Factors.”











Corporate
History









Investview
was formed in the State of Utah on January 30, 1946 under its prior name Uintah Mountain Copper Mining Company. After the commencement
and abandonment of several business plans, and after several name changes and change of domicile to Nevada, on March 27, 2012 we adopted
our new business model and changed our name to Investview, Inc.









Internet
Address









Additional
information concerning our business can be found on our website at

www.investview.com

for the most up-to-date corporate financial
information, presentation announcements, transcripts, and archives. Information regarding our products and services offered by our wholly
owned subsidiary, iGenius LLC, may be found at

www.igeniusglobal.com

. SAFE Management LLC services can be viewed at

www.safeadvglobal.com

.
Information regarding SAFETek LLC is available at

www.safeteksolutions.com

. Website links provided may
change in the future. We make available free of charge on our website our annual report on Form 10-K, quarterly reports on Form 10-Q,
current reports on Form 8-K, and amendments to those reports, as soon as reasonably practicable after we electronically file such material
with or furnish it to the Securities and Exchange Commission.














8




















Item
1A. Risk Factors









Investors
should carefully consider the following material risk factors as well as all other information set forth or referred to in this report
before purchasing shares of our preferred or common stock. Investing in our preferred or common stock involves a high degree of risk. Any of the following risks could materially and adversely affect our
business, financial condition or results of operations. In such a case, you may lose all or part of your investment. The risks described
below are not the only risks facing us. Additional risks and uncertainties not currently known to us or those we currently view to be
immaterial may also materially adversely affect our business, financial condition or results of operations. If any of the following events
or outcomes actually occur, our business operating results and financial condition would likely suffer. As a result, the trading price
of our preferred and/or common stock could decline, and investors may lose all or part of the money paid to purchase our preferred and/or
common stock.










Risks
Related to our Business Generally











Our
operations and financial condition have been adversely impacted by the COVID-19 pandemic and that may continue.










COVID-19
was declared a pandemic by the World Health Organization and the Centers for Disease Control and Prevention in March of 2020. Even though
the COVID-19 surge appears to be abating and there has been a relaxation of pandemic-related constraints in many markets, we believe
that the global spread of COVID-19 has created significant volatility and uncertainty and economic disruption. We believe the extent
to which the COVID-19 pandemic, including new surges or COVID-19 variants, or any other pandemic ultimately impacts our business, financial
condition, results of operations or cash flows will depend on numerous evolving factors that we may not be able to accurately predict,
including, without limitation: the duration and scope of the pandemic; the success in delivering and efficacy of vaccines; governmental,
business and individuals’ actions that have been and will be taken in response to the pandemic (including restrictions on travel
and transport and workforce pressures); the effect on our suppliers and customers and customer demand for our core products and services;
the effect on our sources of supply; the impact of the pandemic on economic activity and actions taken in response; closures of our and
our suppliers’ and customers’ offices and facilities; the ability of our customers to pay for our products and services;
financial market volatility; commodity prices; and the pace of recovery when the COVID-19 or other pandemic subsides.








SAFETek
LLC suffered supply chain issues and significant delays in establishing mining operations due to the COVID-19 pandemic. The supply chain
issues caused the suspension of the APEX sale-leaseback program. In addition, iGenius suffered the loss of all in-person marketing activities
while pandemic-related constraints were in place, but pivoted to on-line marketing and zoom presentations which limited the impact to
iGenius’s results from operations.









Loss from operations experienced for the
nine-months ended December 31, 2021










We experienced a net loss of $28,375,235 from operations for the nine-months
ended December 31, 2021. Although the net loss was attributable to the manner in which the acquisition of the operating assets and
intellectual property rights of MPower Trading Systems, LLC, a related party (see “Item 13. Certain Relationships and Related Transactions,
and Director Independence”), was accounted for on our financial statements, a loss of that magnitude could have an adverse reputational
and commercial effect on us, including on our credit rating, banking matters, relationships with vendors, insurers, and credit processors,
and other commercial relationships.








We
may not be able to fully protect our proprietary rights and we may infringe upon the proprietary rights of others, which could
result in costly litigation.










Our
future success depends on our ability to protect and preserve the proprietary rights related to our products. We cannot assure that we
will be able to prevent third parties from using our intellectual property and technology without our authorization. We also rely on
trade secrets, common law trademark rights, and trademark registrations, as well as confidentiality and work for hire, development, assignment,
and license agreements with employees, consultants, third-party developers, licensees, and customers. Our protective measures for these
intangible assets afford only limited protection from illegal actors and may be flawed or become inadequate with the
passage of time.








Policing
unauthorized use of our technology is difficult and some foreign laws do not provide the same level of protection as U.S. laws. Litigation
may be necessary in the future to enforce our intellectual property rights, to protect our trademarks or trade secrets that we may obtain,
or to determine the validity and scope of the proprietary rights of others. Such litigation could result in substantial costs and diversion
of resources and have a material adverse effect on our future operating results.








In
recent years, there has been significant litigation in the United States involving intellectual property rights. In particular, there
has been an increase in the filing of lawsuits alleging infringement of intellectual property rights, which pressure defendants
into entering settlement arrangements quickly to dispose of such lawsuits, regardless of their merits. Other companies or individuals
may allege that we infringe on their intellectual property rights. Litigation, particularly in the area of intellectual property rights,
is costly and the outcome is inherently uncertain. In the event that we become involved in such a lawsuit in the future and receive
an adverse result, we could be liable for substantial damages, and we may be forced to discontinue our use of the intellectual
property in question or obtain a license to use those rights or develop non-infringing alternatives.










Climate
change, and the regulatory and legislative developments related to climate change, may materially adversely affect our business and financial
condition.










The
impacts of climate change may materially and adversely impact the cost, production and financial performance of our operations. Further,
any impacts to our business and financial condition as a result of climate change are likely to occur over a sustained period of time
and are therefore difficult to quantify with any degree of specificity. For example, extreme weather events may result in adverse physical
effects on portions of our infrastructure, which could disrupt our supply chain and ultimately our business operations. In addition,
disruption of transportation and distribution systems could result in reduced operational efficiency and customer service interruption.
Climate related events have the potential to disrupt our business, including the business of our customers, and may cause us to experience
higher attrition, losses and additional costs to resume operations.














9


















In
addition, a number of governments or governmental bodies have introduced or are contemplating legislative and regulatory changes in response
to various climate change interest groups and the potential impact of climate change. Given the significant amount of electrical power
required to operate cryptocurrency miners, as well the environmental impact of mining for metals used in the production of mining servers,
the cryptocurrency mining industry may become a target for future environmental and energy regulation. Legislation and increased regulation
regarding climate change could impose significant costs on us and our suppliers, including costs related to increased energy requirements,
capital equipment, environmental monitoring and reporting, and other costs to comply with such regulations. Any future climate change
regulations could also negatively impact our ability to compete with companies situated in areas not subject to such limitations. Given
the political significance and uncertainty around the impact of climate change and how it should be addressed, we cannot predict how
legislation and regulation will affect our financial condition, operating performance and ability to compete. Furthermore, even without
such regulation, increased awareness and any adverse publicity in the global marketplace about potential impacts on climate change by
us or other companies in our industry could harm our reputation. Any of the foregoing could result in a material adverse effect on our
business and financial condition.










We
accept, disburse, and hold cryptocurrency, which may subject us to exchange risk and additional tax and regulatory requirements.










We
accept Bitcoin as a form of payment and use it to satisfy liabilities. Cryptocurrency is not considered legal
tender or backed by any government and have experienced significant price volatility, technological glitches, and various law enforcement
and regulatory interventions. If we fail to comply with regulations or prohibitions applicable to us, we could face regulatory or other
enforcement actions and potential fines and other consequences. We also hold cryptocurrencies directly, subjecting us to exchange rate
risk as well as the risk that regulatory or other developments and the recent price volatility may adversely affect the value of the
cryptocurrencies we hold. The uncertainties regarding legal and regulatory requirements relating to cryptocurrencies or transactions
using cryptocurrencies, as well as potential accounting and tax issues or other requirements relating to cryptocurrencies, could have
a material adverse effect on our business.










We
might fail to realize the expected benefits and strategic objectives of our recent acquisition of the p

roprietary
Prodigio SMART Trading Platform.










We

acquired,
among other assets,


the

proprietary Prodigio SMART Trading Platform in September 2021 in consideration

for the issuance of Class B Redeemable Units consisting of
non-voting membership interests in our wholly owned subsidiary IFGH that are in the future redeemable for 565,000,000 Investview
common shares on a one-for-one basis.

While we believe such acquisition is expected to become a fundamental part of an overall
strategy to expand the scope of our Brokerage and Financial Markets business within the investment management and brokerage
industries, we might not achieve our expected, or any, return on this investment. If we are unsuccessful at implementing our growth
plan, we may not be able to achieve our planned rates of growth or improve our market share, profitability or competitive position.

We
can give no assurance that we will ultimately be able to effectively integrate and manage the operations of the Prodigio SMART Trading
Platform or any other acquired business or assets.










Substantially
all of our employees are employed by professional employer organizations.










We
contract with a professional employer organization, or PEO, that administers our human resources, payroll and employee benefits functions
for our employees in the United States. Although we recruit and select our workers, each of these workers is also an employee of record
of the PEO. As a result, these workers are compensated through the PEO, are governed by the work policies created jointly by us and
the PEO and receive their annual wage statements and other payroll or labor related reports from the PEO. This relationship permits
management to focus on operations and profitability rather than payroll administration, but this relationship also exposes us to some
risks. Among other risks, if the PEO fails to adequately withhold or pay employer taxes or to comply with other laws, such as the Fair
Labor Standards Act, the Family and Medical Leave Act, the Employee Retirement Income Security Act or state and federal anti-discrimination
laws, each of which is outside of our control, we would be liable for such violations, and indemnification provisions with the PEO, if
applicable, and Company insurance may not be sufficient to insulate us from those liabilities.








Court
and administrative proceedings related to matters of employment tax, labor law and other laws applicable to PEO arrangements could distract
management from our business and cause us to incur significant expense. If we were held liable for violations by the PEO, such amounts
may adversely affect our profitability and could negatively affect our business and results of operations.














10




















Our
business could be negatively affected i






f
the SEC determines that we violated federal securities laws.










We
have recently received a subpoena from the United States Securities and Exchange Commission (“SEC”) for the production of
documents. We have reason to believe that the focus of the SEC’s inquiry involves whether certain federal securities laws were
violated in connection with, among other things, the offer and sale of our now discontinued Apex sale and leaseback program, the
operation of our direct selling network now known as iGenius, and the offer and sale of cryptocurrency products. In the subpoena,
the SEC advised that the investigation does not mean that the SEC has concluded that we or anyone else has violated federal securities
laws and or any other law. We believe that we have complied at all times with the federal securities laws. However, we are aware of the
evolving SEC commentary and rulemaking process relative to the characterization of cryptocurrency products under federal securities laws
that is sweeping through many businesses that operate within the cryptocurrency sector.











Risks
Related to our

Financial Education and Technology Business












Our
business could be negatively affected by any adverse economic developments in the securities markets or the domestic or international
economy in general.










We
depend on the interest of individuals in obtaining financial information and securities trading strategies to assist them in making their
own investment decisions. Significant downturns in the securities markets or in general economic and political conditions domestically
or internationally may cause individuals to be reluctant to make their own investment decisions and thus decrease the demand for
our products and services. Significant upturns in the securities markets or in general economic and political conditions domestically
or internationally may cause individuals to be less proactive in seeking ways to improve the returns on their trading or investment
decisions and, thus, decrease the demand for our products and services.










We
may encounter risks relating to security or other system disruptions and failures that could reduce the attractiveness of our websites
and that could harm our business and results of operations.










Although
we have implemented various security mechanisms, our business is vulnerable to computer viruses, physical or electronic break-ins, and
similar disruptions, which could lead to interruptions, delays, or loss of data. For instance, because a portion of our revenue is based
on individuals using credit cards to purchase subscriptions over the Internet, our business could be adversely affected by credit
card fraud and other electronic break-ins or disruptions. Additionally, our operations depend on our ability to protect systems against
damage from fire, earthquakes, power loss, telecommunications failure, and other events beyond our control. Moreover, our website may
experience slower response times or other problems for a variety of reasons, including hardware and communication line capacity restraints,
software failures, or significant increases in traffic when there have been important business or financial news stories. These strains
on our systems could cause customer dissatisfaction and could discourage visitors from becoming paying subscribers. Our websites could
experience disruptions or interruptions in service due to the failure or delay in the transmission or receipt of information from us.
These types of occurrences could cause users to perceive our website and technology solutions as not functioning properly and cause them
to use other methods or services of our competitors. Any disruption resulting from these actions may harm our business and may be expensive
to remedy, may not be fully covered by our insurance, could damage our reputation, and discourage new and existing users from using our
products and services. Any disruptions could increase costs and make profitability even more difficult to achieve.










We
will need to introduce new products and services and enhance existing products and services to remain competitive.










Our
future success depends in part on our ability to develop and enhance our products and services. In addition, the adoption of new Internet,
networking or telecommunications technologies or other technological changes could require us to incur substantial expenditures to enhance
or adapt our services or infrastructure. There are significant technical and financial costs and risks in the development of new or enhanced
products and services, including the risk that we might be unable to effectively use new technologies, adapt our services to emerging
industry standards, or develop, introduce and market enhanced or new products and services. An inability to develop new products and
services, or enhance existing offerings, could have a material adverse effect on our profitability.










We
rely on external service providers to perform certain key functions.










We
rely on a number of external service providers for certain key technology, processing, service, and support functions. External content
providers provide us with crypto mining services, financial information, market news, charts, option and stock quotes, research reports,
and other fundamental data that we offer to clients. These service providers face technological and operational risks of their own. Any
significant failures by them, including improper use or disclosure of our confidential client, employee, or company information, could
cause us to incur losses and could harm our reputation.








We
cannot assure that any external service providers will be able to continue to provide these services in an efficient, cost-effective
manner or that they will be able to adequately expand their services to meet our needs. An interruption in or the cessation of service
by any external service provider as a result of systems failures, capacity constraints, financial constraints or problems, unanticipated
trading market closures, or for any other reason, and our inability to make alternative arrangements in a smooth and timely manner, if
at all, could have a material adverse effect on our business, results of operations, and financial condition.














11




















We
could face liability and other costs relating to storage and use of personal information about our users.










Users
provide us with personal information, including tax identification numbers, which we do not share without the user’s consent. Despite
this policy of obtaining consent, however, if third persons were able to penetrate our network security or otherwise misappropriate our
users’ personal information, we could be subject to liability, including claims for unauthorized purchases with credit card information,
impersonation or other similar fraud claims, and misuses of personal information, such as for unauthorized marketing purposes. New privacy
legislation may further increase this type of liability. Furthermore, we could incur additional expenses if additional regulations regarding
the use of personal information were introduced or if federal or state agencies were to investigate our privacy practices. We do not
store user credit card information and rely upon our merchant processing partners to collect and store this information with the necessary
Payment Card Industry Security Standards compliance in place. However, a breach of the merchant’s security standards could create
liability for us.










Our
business could be negatively affected if we are required to defend allegations of unfair competition and unfair false or deceptive acts
or practices in or affecting commerce.










Advertising
and marketing of our products in the United States are also subject to regulation by the Federal Trade Commission (“FTC”)
under the Federal Trade Commission Act, or FTC Act. Among other things, the FTC Act prohibits unfair methods of competition and unfair
false or deceptive acts or practices in or affecting commerce. The FTC Act also makes it illegal to disseminate or cause to be disseminated
any false advertisement. The FTC routinely reviews websites to identify questionable advertising claims and practices. Competitors sometimes
inform the FTC when they believe other competitors are violating the FTC Act and consumers also notify the FTC of what they believe may
be wrongful advertising. The FTC may initiate a nonpublic investigation that focuses on our advertising claims, which usually involves
nonpublic, pre-lawsuit, extensive formal discovery. Such an investigation may be lengthy and expensive to defend and result in a publicly
disclosed consent decree or settlement agreement. If no settlement can be reached, the FTC may start an administrative proceeding or
a federal court lawsuit against us or our principal officers. The FTC often seeks to recover from the defendants, whether in a consent
decree or a proceeding, any or all of the following: (i) consumer redress in the form of monetary relief or disgorgement of profits;
(ii) significant reporting requirements for several years; and (iii) injunctive relief. In addition, most, if not all, states have statutes
prohibiting deceptive and unfair acts and practices. The requirements under these state statutes are similar to those of the FTC Act.










Our
business could be negatively affected if we are required to defend allegations that our direct selling activities are fraudulent or deceptive
schemes, or against public interest.










Our
iGenius products and services are marketed by a network of independent distributors using direct selling methods, commonly known as
multi-level marketing programs. Although we believe that our direct sales methods are generally in compliance with applicable legal standards,
multi-level marketing programs, in general, have often been the target of regulatory scrutiny by federal, state, and local governmental
agencies in the United States and foreign countries, including the FTC. These laws and regulations are generally intended to prevent
fraudulent or deceptive schemes, often referred to as “pyramid” schemes, which compensate participants primarily for recruiting
additional participants without significant emphasis on product sales. The regulatory requirements concerning multi-level marketing
programs do not include “bright line” rules and are inherently fact-based and, thus, we are subject to the risk that these
regulations or the enforcement or interpretation of these regulations by regulators or courts can change. The adoption of new regulations,
or changes in the interpretations or enforcement of existing regulations, may result in significant compliance costs or require us to
change or cease aspects of our network marketing program. In addition, the ambiguity surrounding these regulations can also affect the
public perception of our business.










Our
independent distributors could fail to comply with applicable legal requirements or our distributor policies and procedures, which could
result in claims against us that could harm our business.










Our
independent distributors are independent contractors and, accordingly, we are not able to directly provide the same oversight and direction
as we could if they were our employees. As a result, we have implemented compliance measures that are designed to train our distributors
and attempt to monitor our distributors’ use of marketing materials that are in compliance with FTC and other legal standards.
Despite our compliance initiatives we cannot always ensure that our independent distributors will comply with applicable laws
or regulations, our distributor policies and procedures, or that such marketing materials or other distributor practices comply with
applicable laws, rules, and regulations. It is possible that a court or governmental agency could hold us liable for the actions
of our distributors, which could materially harm our business, financial condition, and operating results.








Extensive
federal, state, local, and international laws regulate our business, products and direct selling activities. In addition, because
we have expanded into foreign countries, our policies and procedures for our independent distributors differ slightly in some countries
due to the different legal requirements of each country in which we do business.










Our
proprietary systems may be compromised by hackers.










Our
current products and other products and services that we may develop in the future will be based on proprietary software and customer-specific
data that we protect by routine measures such as password protection, confidentiality and nondisclosure agreements with employees, and
similar measures. Any unauthorized access to our software or data could materially disrupt our business and result in financial loss
and damages to our business and reputation.














12




















Our
business could be negatively affected if any of the third-party providers of products or services offered through our membership packages
default on their obligation to our members.














Through
our iGenius membership program and our now discontinued Apex sale and leaseback program, our members have gained access to a variety
of benefits provided through third party partnerships and affinity arrangements, including products and services provided by third party
investment professionals, access to a proprietary digital currency called “ndau” and a supplemental total protection program
offered by a third-party affiliate of a global insurance brokerage firm.

We cannot ensure that
such third-party providers will comply with their contractual requirements to our members or with applicable laws, rules, and regulations.

Any significant failures by them could cause us to incur losses and could harm our reputation.








Included
in our now discontinued Apex sale and leaseback program was a total protection plus (“TPP”) program administered and managed
by a third-party provider, an affiliate of a global insurance brokerage firm. According to marketing and legal documents provided by
the third-party provider, the TPP program would function as a supplemental financial guaranty by providing Apex program customers with
protection for the purchase price of such equipment, which could be redeemed by the customer by exercising an option for a cash payout
to be paid by the third-party provider after a certain period of time, either 5 or 10 years.








We
have also historically offered our iGenius members the opportunity to participate in a TPP program administered and managed by such third-party
provider in connection with such members’ purchases of ndau through the Oneiro ndau distribution program. According to marketing
and legal documents provided by the third-party provider, the TPP would function to provide a supplemental financial guaranty
for the purchase price of the ndau. Customers could redeem such protection by exercising an option for a cash payout to be paid by the
third-party provider after 5 or 10 years.








During
the fourth calendar quarter of 2021 we temporarily suspended any further offering of the TPP program in connection with the sale of ndau
after the third-party provider was unable to comply with our standard vendor compliance protocols, citing certain offshore confidentiality
entitlements. That suspension will remain in place until we are able to further validate the continued integrity of the TPP program and
the vendor’s ability to honor its commitments to our members.

We cannot ensure that such
third-party provider will comply with its contractual requirements, which could cause our members to not achieve the level of return
on their investments expected, and possibly expose us to claims that could have an adverse effect on our business, financial condition,
and operating results.










Risks
Related to our

Blockchain Technology and Crypto Mining Products and Services














The
further development and acceptance of digital asset networks and other digital assets, which represent a new and rapidly changing industry,
are subject to a variety of factors that are difficult to evaluate. The slowing or stopping of the development or acceptance of digital
asset systems may adversely affect an investment in us.










Digital
assets such as bitcoins, that may be used, among other things, to buy and sell goods and services are a new and rapidly evolving industry
of which the digital asset networks are prominent, but not unique, parts. The growth of the digital asset industry in general, and the
digital asset networks of bitcoin in particular, are subject to a high degree of uncertainty. The factors affecting the further development
of the digital asset industry, as well as the digital asset networks, include:

























































































continued
worldwide growth in the adoption and use of bitcoins and other digital assets;











government
and quasi-government regulation of bitcoins and other digital assets and their use, or restrictions
on or regulation of access to and operation of the digital asset network or similar digital
assets systems;











the
maintenance and development of the open-source software protocol of the bitcoin network;











changes
in consumer demographics and public tastes and preferences;











the
availability and popularity of other forms or methods of buying and selling goods and services,
including new means of using fiat currencies;











general
economic conditions and the regulatory environment relating to digital assets;











the
impact of regulators focusing on digital assets and digital securities and the costs associated
with such regulatory oversight; and











A
decline in the popularity or acceptance of the digital asset networks of bitcoin, or similar
digital asset systems, could adversely affect an investment in us.












Our
ability to achieve profitability is largely dependent on the price of Bitcoin and ndau, which has historically been volatile.










Our
focus on our Bitcoin mining operations and investment in ndau is largely based on our assumptions regarding the future value of Bitcoin
and ndau, which has been subject to significant historical volatility and may be subject to influence from malicious actors, real or
perceived scarcity, political, economic, and regulatory conditions, and speculation making its price more volatile or creating “bubble”
type risks for the trading price of Bitcoin. Further, unlike traditional stock exchanges, which have listing requirements and vet issuers,
requiring them to comply with rigorous listing standards and rules, and which monitor transactions for fraud and other improprieties,
markets for Bitcoin, ndau and other cryptocurrencies tend to be underregulated, if they are regulated at all. Less stringent cryptocurrency
markets have a higher risk of fraud or manipulation and any lack of oversight or perceived lack of transparency could reduce confidence
in the price of Bitcoin, ndau and other cryptocurrencies, which could adversely affect their price.














13














These
factors make it difficult to accurately predict the future market price of Bitcoin and ndau and may also inhibit consumer trust in and
market acceptance of cryptocurrencies as a means of exchange, which could limit the future adoption of Bitcoin and ndau and, as a result,
our assumptions could prove incorrect. If our assumptions prove incorrect and the future price of Bitcoin is not sufficiently high, our
income from our Bitcoin mining operations may not exceed our costs, and our operations may never achieve profitability.










Transaction
fees may decrease demand for Bitcoin and prevent expansion.










As
the number of Bitcoins currency rewards awarded for solving a block in a blockchain has decreased, transaction fees have increasingly
been used to incentivize miners to continue to contribute to the Bitcoin network. However, high Bitcoin transaction fees may slow the
adoption of Bitcoin as a means of payment, which may decrease demand for Bitcoin and future prices of Bitcoin may suffer as a result.
If Bitcoin prices are not sufficiently high, our mining revenue may not exceed our associated costs, and our results of operations and
financial condition may suffer. Further, because the price of shares of our common stock may be linked to the price of Bitcoin, if demand
for Bitcoin decreases, causing future Bitcoin prices to decrease, the market price of our securities may be materially and adversely
affected, limiting our ability to raise additional capital to fund our strategic growth plans.










Bitcoin
is subject to Halving, meaning that the Bitcoin rewarded for solving a block will be reduced in the future and its value may not commensurately
adjust to compensate us for such reductions, and the overall supply of Bitcoin is finite.










Bitcoin
is subject to Halving, which is the process by which the Bitcoin reward for solving a block is reduced by 50% every 210,000 blocks that
are solved. This means that the amount of Bitcoin we (or any other miner) are rewarded for solving a block in the Blockchain is permanently
cut in half. For example, the latest Halving having occurred in May 2020, with a revised payout of 6.25 Bitcoin per block solved, down
from the previous reward rate of 12.5 Bitcoin per block solved. The next Halving date is in 2024. There can be no assurance that the
price of Bitcoin will sufficiently increase to justify the increasingly high costs of mining for Bitcoin given the Halving feature. If
a corresponding and proportionate increase in the trading price of these cryptocurrencies does not follow these anticipated Halving events,
the revenue we earn from our mining operations would see a corresponding decrease, which would have a material adverse effect on our
business and operations. To illustrate, even if the price of Bitcoin remains at its price as of today, all other factors being equal
(including the same number of miners and a stable hash rate) our revenue would decrease substantially upon the next Halving.








Further,
due to the Halving process, unless the underlying code of the Bitcoin Blockchain is altered (which may be unlikely or difficult given
its decentralized nature), the supply of Bitcoin is finite. Once 21 million Bitcoin have been generated by virtue of solving blocks in
the Blockchain, the network will stop producing more. Currently, there are approximately 19.0 million Bitcoin in circulation representing
about 90% of the total supply of Bitcoin under the current source code. For the foregoing reasons, the Halving feature exposes us to
inherent uncertainty and reliance upon the historically volatile price of Bitcoin, rendering an investment in us particularly speculative,
especially in the long-term. If the price of Bitcoin does not significantly increase in value, your investment could become worthless.










We
are subject to risks associated with our need for significant electrical power.










Our
Bitcoin mining operations have required significant amounts of electrical power, and, to the extent we purchase additional miners or
acquire new miners which require higher energy inputs, our electricity requirements would grow. If we are unable to continue to obtain
sufficient electrical power to operate our miners on a cost-effective basis, we may not realize the anticipated benefits of our significant
capital investments in new miners. Even at our current energy usage, there can be no guarantee that our operational costs will not increase
in the future. Additionally, our mining operations could be materially adversely affected by prolonged power outages, and we may have
to reduce or cease our operations in the event of an extended power outage, or as a result of the unavailability or increased cost of
electrical power. If this were to occur, our business and results of operations could be materially and adversely affected, and investors
in our securities could be harmed.










Changing
environmental regulation and public energy policy may expose our business to new risks.










If
new environmental and energy regulations, policies, and initiatives enacted by federal and Texas regulators are imposed, or if existing
regulations are modified, the assumptions we made underlying our plans and strategic initiatives may be inaccurate, and we may incur
additional costs to adapt our planned business, if we are able to adapt at all, to such regulations.








In
addition, there continues to be a lack of consistent climate legislation, which creates economic and regulatory uncertainty for our business
because the cryptocurrency mining industry, with its high energy demand, may become a target for future environmental and energy regulation.
New legislation and increased regulation regarding climate change could impose significant costs on us and our suppliers, including costs
related to increased energy requirements, capital equipment, environmental monitoring and reporting, and other costs to comply with such
regulations. Further, any future climate change regulations could also negatively impact our ability to compete with companies situated
in areas not subject to such limitations.














14


















Given
the political significance and uncertainty around the impact of climate change and how it should be addressed, we cannot predict how
legislation and regulation will affect our financial condition and results of operations. Further, even without such regulation, increased
awareness and any adverse publicity in the global marketplace about potential impacts on climate change by us or other companies in our
industry could harm our reputation. Any of the foregoing could result in a material adverse effect on our business and financial condition.










The
compliance costs of responding to new and changing regulation could adversely affect our operations.










We
(along with those from whom we purchase electricity) are subject to various federal, state, local, and international environmental laws
and regulations, including those relating to the generation, storage, handling, and disposal of hazardous substances and wastes. Certain
of these laws and regulations also impose joint and several liability, without regard to fault, for investigation and cleanup costs on
current and former owners and operators of real property and persons who have disposed of or released hazardous substances into the environment.
Our operations may involve the use of hazardous substances and materials, such as petroleum fuel for emergency generators, as well as
batteries, cleaning solutions, and other materials.








Electricity
costs could also be affected due to existing or new regulations on greenhouse gas emissions, whether such regulations apply to all consumers
of electricity or just to specified uses, such as Bitcoin mining. There has been interest in the U.S. Congress and in the Legislature
of the State of Texas in addressing climate change, including through regulation of Bitcoin mining. Past legislative proposals to address
climate change include measures ranging from taxes on carbon use or generation to federally imposed limits on greenhouse gas emissions.
Further, although Texas has historically sought to maintain some degree of energy independence from the United States as a whole, it
is unclear how future legislation and regulation will affect our Texas operations. The course of future legislation and regulation in
the United States and in Texas remains difficult to predict, and potential increased costs associated with new legislation or regulation
cannot be estimated at this time.










Regulatory
changes or actions may alter the nature of an investment in us or restrict the use of cryptocurrencies in a manner that adversely affects
our business, prospects, or operations.










As
cryptocurrencies have grown in both popularity and market size, governments around the world have reacted differently to cryptocurrencies;
certain governments have deemed them illegal, and others have allowed their use and trade without restriction, while in some jurisdictions,
such as in the U.S., subject the mining, ownership and exchange of cryptocurrencies to extensive, and in some cases overlapping, unclear
and evolving regulatory requirements. Ongoing and future regulatory actions could have a material adverse effect on our business, prospects
or operations.












Our
interactions with a blockchain may expose us to SDN or blocked persons and new legislation or regulation could adversely impact our business
or the market for cryptocurrencies.










The
Office of Financial Assets Control (“OFAC”) of the U.S. Department of Treasury requires us to comply with its sanction program
and not conduct business with persons named on its specially designated nationals (“SDN”) list. However, because of the pseudonymous
nature of blockchain transactions we may inadvertently and without our knowledge engage in transactions with persons named on OFAC’s
SDN list. Our Company’s policy prohibits any transactions with such SDN individuals, but we may not be adequately capable of determining
the ultimate identity of the individual with whom we transact with respect to selling cryptocurrency assets; for example, the
use of cryptocurrencies, including Bitcoin, as a potential means of avoiding federally-imposed sanctions, such as those imposed in connection
with the Russian invasion of Ukraine. On March 2, 2022, a group of United States Senators sent the Secretary of the United States
Treasury Department a letter asking Secretary Yellen to investigate its ability to enforce such sanctions vis-à-vis Bitcoin, and
on March 8, 2022, President Biden announced an executive order on cryptocurrencies which seeks to establish a unified federal regulatory
regime for cryptocurrencies. We are unable to predict the nature or extent of new and proposed legislation and regulation affecting the
cryptocurrency industry, or the potential impact of the use of cryptocurrencies by SDN or other blocked or sanctioned persons, which
could have material adverse effects on our business and our industry more broadly. Further, we may be subject to investigation, administrative
or court proceedings, and civil or criminal monetary fines and penalties as a result of any regulatory enforcement actions, all of which
could harm our reputation and affect the value of our common stock.














Bitcoin
and Bitcoin mining, as well as cryptocurrencies generally, may be made illegal in certain jurisdictions, including the ones we operate
in, which could adversely affect our business prospects and operations.










Although
we do not anticipate any material adverse regulations on Bitcoin mining in our jurisdictions of operation, it is possible that state
or federal regulators may seek to impose harsh restrictions or total bans on cryptocurrency mining which may make it impossible for us
to do business without relocating our mining operations, which could be very costly and time consuming. Further, although Bitcoin and
Bitcoin mining, as well as cryptocurrencies generally, are largely unregulated in most countries (including the United States), regulators
in certain jurisdictions may undertake new or intensify existing regulatory actions in the future that could severely restrict the right
to mine, acquire, own, hold, sell, or use cryptocurrency or to exchange it for traditional fiat currency such as the United States Dollar.
Such restrictions may adversely affect us as the large-scale use of cryptocurrencies as a means of exchange is presently confined to
certain regions globally. Such circumstances could have a material adverse effect on us, which could have a material adverse effect on
our business, prospects or operations and potentially the value of any Bitcoin or other cryptocurrencies we mine or otherwise acquire
or hold for our own account, and thus negatively affect the value of our common stock.














15















Risks
Related to Our Common Stock











We
may need to raise additional capital to execute on our growth plan. If we are unable to raise additional capital, our business may fail.














Although
our current financial resources are sufficient for us to sustain our existing operations, we may be required to raise additional capital
to help finance our planned growth within the financial services sector. If we find that we need, but are unable, to obtain adequate
additional financing, we may not be able to successfully market and sell our products and our business operations will most likely be
discontinued. To secure additional financing, we may need to borrow money or sell more securities. Under these circumstances, we may
be unable to secure additional financing on favorable terms or at all. Selling additional stock, either privately or publicly, would
dilute the equity interests of our stockholders. If we borrow money, we will have to pay interest and may also have to agree to restrictions
that limit our operating flexibility. If we are unable to obtain adequate financing on terms acceptable to us, we may have to
curtail business operations, which would have a material negative effect on operating results and most likely result in a lower stock
price.










Our
common stock price has been and may continue to be extremely volatile.














Our
common stock has closed as low as $0.05 per share and as high as $0.73 per share during the nine months ended December 31, 2021. We believe
this volatility may be caused, in part, by variations in our quarterly operating results, delays in development of our technologies,
changes in market valuations of similar companies, and the volume of our stock in the market.








Additionally,
in recent years the stock market in general, and the OTC Markets and technology stocks in particular, have experienced extreme price
and volume fluctuations. In some cases, these fluctuations are unrelated or disproportionate to the operating performance of the underlying
company. These market and industry factors may materially and adversely affect our stock price regardless of our operating performance.
The historical trading of our common stock is not necessarily an indicator of how it will trade in the future and our trading price as
of the date of this report is not necessarily an indicator of what the trading price of our common stock might be in the future.








In
the past, class action litigation has often been brought against companies following periods of volatility in the market price of those
companies’ common stock. If we become involved in this type of litigation in the future it could result in substantial costs and
diversion of management attention and resources, which could have a further negative effect on our stock price.










The
trading price of shares of our common stock may increase or decrease as does the trading price of Bitcoin and other digital currencies,
which subject investors to pricing risks, including “bubble” type risks, and volatility.










Because
of our connection with Bitcoin and other digital currencies, the trading prices of our common stock may at times be tied to the trading
prices of Bitcoin and such other digital currencies. Specifically, we may experience adverse effects on our stock price when the value
of Bitcoin or other digital currencies drops. Furthermore, if the market for Bitcoin or other digital currency company stocks or the
stock market in general experiences a loss of investor confidence, the trading price of our stock could decline for reasons unrelated
to our business, operating results or financial condition. The trading price of our common stock could be subject to arbitrary pricing
factors that are not necessarily associated with traditional factors that influence stock prices or the value of non-cryptocurrency assets
such as revenue, cash flows, profitability, growth prospects or business activity since the value and price, as determined by the investing
public, may be influenced by uncertain contingencies such as future anticipated adoption or appreciation in value of cryptocurrencies
or Blockchains generally, and other factors over which we have little or no influence or control.








Bitcoin
and other cryptocurrency market prices, which have historically been volatile and are impacted by a variety of factors, are determined
primarily using data from various exchanges, over-the-counter markets and derivative platforms. Furthermore, such prices may be subject
to factors such as those that impact commodities, more so than business activities, which could be subjected to additional influence
from fraudulent or illegitimate actors, real or perceived scarcity, and political, economic, regulatory or other conditions. Pricing
may be the result of, and may continue to result in, speculation regarding future appreciation in the value of cryptocurrencies, or our
share price, making their market prices more volatile or creating “bubble” type risks for the trading price of Bitcoin.














16




























Shares
of our common stock may never become eligible for trading on Nasdaq or a national securities exchange.














We
cannot assure that we will ever be listed on the Nasdaq Stock Market or on another national securities exchange. Listing on one of the
Nasdaq markets or one of the national securities exchanges is subject to a variety of requirements, including minimum trading price and
minimum public “float” requirements. There are also continuing eligibility requirements for companies listed on national
securities exchanges. If we are unable to satisfy the initial or continuing eligibility requirements of any such market, then our stock
may not be listed or could be delisted. This could result in a lower trading price for our common stock and may limit the ability of
our stockholders to sell their shares, which could result in a loss of some or all of their investments.










If
we fail to file periodic reports with the U.S. Securities and Exchange Commission, our common stock will not be able to be traded on
the OTCQB.














Although
our common stock trades on the OTCQB, a regular trading market for our common stock may not be sustained in the future. OTC Markets limits
quotation on the OTCQB to securities of issuers that are current in their reports filed with the Securities and Exchange Commission.
If we fail to remain current in the filing of our reports with the Securities and Exchange Commission, our common stock will not be able
to be traded on the OTCQB. We have experienced a limited period within which we failed to remain current in the filing
of this Report on Form 10-K. The OTCQB is an inter-dealer market that provides significantly less liquidity than a national securities
exchange or automated quotation system.










Because
we have no plans to pay dividends on our common stock, stockholders must look solely to appreciation of our common stock to realize a
gain on their investments.










We
do not anticipate paying any dividends on our common stock in the foreseeable future. We currently intend to retain future earnings,
if any, to finance the expansion of our business. Our future dividend policy is within the discretion of our board of directors and will
depend upon numerous factors, including our business, financial condition, results of operations, capital requirements, and investment
opportunities. Accordingly, stockholders must look solely to appreciation of our common stock to realize a gain on their investment.
This appreciation may not occur.










Certain
provisions of Nevada law and of our corporate charter may inhibit a potential acquisition of our company, and this could negatively
impact our stock price.










Nevada
corporate law includes provisions that could delay, defer, or prevent a change in control of our company or our management. These provisions
could discourage information contests and make it more difficult for our stockholders to elect directors and take other corporate actions.
As a result, these provisions could limit the price that investors are willing to pay in the future for shares of our common stock. For
example:







































without
prior stockholder approval, our board of directors has the authority to issue one or more
classes of preferred stock with rights senior to those of our common stock and to determine
the rights, privileges, and preferences of that preferred stock;











there
is no cumulative voting in the election of directors, which would otherwise allow less than
a majority of stockholders to elect director candidates; and











stockholders
cannot call a special meeting of stockholders.










Our
indemnification of our directors and officers may limit the rights of our stockholders.














While
our board of directors and officers are generally accountable to our stockholders and us, the liability of our directors and officers
to all parties is limited in certain respects under applicable state law and our articles of incorporation and bylaws, as in effect.
Further, we have agreed or may agree to indemnify our directors and officers against liabilities not attributable to certain limited
circumstances. This limitation of liability and indemnity may limit rights that our stockholders would otherwise have to seek redress
against our directors and officers.











Conversion of existing convertible notes
purchased by DBR Capital could cause additional substantial dilution to our stockholders.










Under the terms of its convertible notes,
DBR Capital has the right to convert an aggregate of $3.3 million in principal of convertible notes into shares of our common stock at
a conversion price of $0.007 per share. Even exclusive of interest that could accrue on these notes, conversion of just the outstanding
principal of these notes would result in the issuance to DBR Capital of approximately 471 million additional shares of our common stock.
Substantial additional dilution could be experienced by our shareholders should DBR Capital advance and ultimately convert additional
notes up to of $7.7 million on or before December 31, 2022.







Special Governance Rights included within
DBR Capital’s investments enable DBR Capital to retain significant control of the Company for the foreseeable future.






In connection with its investment, DBR Capital, LLC, has been accorded certain special governance
rights, including the right to appoint four of our seven directors, and to require that certain capital, financial and other material
actions of our board of directors be approved by at least one DBR Capital-appointed director, who shall be David B. Rothrock if he is
then serving as a director. The special governance rights shall remain in place for so long as DBR Capital holds a convertible note or
any of our other securities.










Additional
issuances of stock options and warrants, convertible notes, and stock grants will cause additional substantial dilution to our stockholders.














Given
our limited cash, liquidity, and revenues, it is likely that in the future, as in the past, we will issue additional warrants, stock
grants, and convertible debt to finance our future business operations and acquisitions and strategic relationships. The issuance of
additional shares of common stock, the exercise of warrants, and the conversion of debt to stock could cause additional dilution to our
stockholders and could have further adverse effects on the market price for our securities or on our ability to obtain future financing.
The 2018 increase in our authorized shares from two billion to ten billion increased the magnitude of this risk substantially.











We may be caused to issue a substantial
number of shares of our common stock to our former Chief Executive Officer if our attempts to retire his note in cash are unsuccessful.










We issued a promissory note to our former
Chief Executive Officer, Joseph Cammarata, which, following certain modifications, on or about March 30, 2021 was restated in the principal
amount of $1,550,000 (the “Cammarata Note”). Although not originally convertible, as per the March 30, 2021 amendment, the
Cammarata Note became convertible at $0.02 per share, Thereafter, effective September 21, 2021 and following another modification, the
conversion price under the Cammarata Note was reduced to $0.008 per share. During February 2022, we provided 30 days’ notice of
our intent to retire and repay the Cammarata Note in cash. Having not timely received a properly executed conversion notice within the
proscribed period, and citing certain other damages incurred by us arising from Mr. Cammarata’s ongoing legal proceedings, on or
about March 31, 2022, we tendered to Mr. Cammarata cash payment in full for the Cammarata Note. As of the date of this Report, Mr. Cammarata
has not accepted our tender of the cash payment, and instead has asserted his entitlement to exercise his right to convert the Cammarata
Note into our common shares. Although we believe that our cash tender was appropriate under the terms of the Cammarata Note and otherwise
at law, if Mr. Cammarata elects to challenge our cash tender in a court proceeding, and if we are unable to sustain our legal position
on the matter, Mr. Cammarata could receive up to approximately 203 million shares of our common stock upon conversion of the Cammarata
Note.














17




















The
amount of authorized common stock may result in management implementing anti-takeover procedures by issuing new securities.














The
proportion of unissued authorized shares to issued shares could, under certain circumstances, have an anti-takeover effect, for example,
by permitting issuances that would dilute the stock ownership of a person seeking to effect a change in the composition of our board
of directors or contemplating a tender offer or other transaction for the combination of our company with another entity. Although, we
have no current plans to issue additional stock for this purpose, management could use the additional shares that are now available or
that may be available after a possible further recapitalization to resist or frustrate a third-party transaction. Generally, no stockholder
approval would be necessary for the issuance of all or any portion of the additional shares of common stock unless required by law or
any rules or regulations to which we are subject.










Our
stockholders may not recoup all or any portion of their investment upon our dissolution.










In
the event of a liquidation, dissolution, or winding-up of our company, whether voluntary or involuntary, our net remaining proceeds and/or
assets, after paying all of our debts and liabilities, will be distributed to the holders of common stock on a pro-rata basis. We cannot
assure that we will have available assets to pay to the holders of common stock any amounts upon such a liquidation, dissolution, or
winding-up of our company. In this event, our stockholders could lose some or all of their investment.










Negative
publicity may have an adverse effect on our cash flows, results of operations and financial condition.














Unfavorable
publicity on our business or products, particularly associated with the ongoing regulatory matters with the Securities and Exchange Commission
and the recent termination of our former CEO

following the announcement of civil and criminal charges
filed against him in connection with activities unrelated to Investview and its businesses, could negatively impact our reputation,
our ability to attract, motivate, and retain members and distributors, and our ability to generate revenue.











Item
1B. Unresolved Staff Comments








None.










Item
2. Properties








Our
corporate headquarters are located at 234 Industrial Way West, Ste A202, Eatontown, New Jersey 07724 and are being leased under a three-year
lease agreement that will expire in June 2022. Our iGenius LLC headquarters are located at 459 North 300 West, #15, Kaysville, Utah 84037
and is on a month-to-month lease. Our SAFETek, LLC headquarters are located at 2925 E Davis Street, Conroe, Texas 77301 and are
being leased under a 24-month lease agreement that will expire in June 2023. We lease office space for our CFO and an employee which
is located at 386 Main Street, #212, Wyckoff, New Jersey 07481 and is being leased under a 24.5-month lease agreement that will
expire in July 2023. We lease office space for several software developers and I.T. research and development personnel, which
is located at 521 West Lancaster Avenue, #200, Haverford, Pennsylvania and will expire in December 2022.










Item
3. Legal Proceedings








In
the ordinary course of business, we may be or have been involved in legal proceedings from time to time; however, we do not anticipate
that the outcome of such matters and disputes will materially affect our financial statements.








None
of our directors, officers, or affiliates is involved in a proceeding adverse to our business or has a material interest adverse to our
business.








During
the nine months ended December 31, 2021 we were not involved in any material legal proceedings, however, we have received a subpoena
from the United States Securities and Exchange Commission (“SEC”) for the production of documents. We have reason to believe
that the focus of the SEC’s inquiry involves whether certain federal securities laws were violated in connection with, among other
things, the offer and sale of our now discontinued Apex sale and leaseback program, the operation of our direct selling network
now known as iGenius, and the offer and sale of cryptocurrency products. In the subpoena, the SEC advised that the investigation
does not mean that the SEC has concluded that we or anyone else has violated federal securities laws and or any other law. We believe
that we have complied at all times with the federal securities laws. However, we are aware of the evolving SEC commentary and rulemaking
process relative to the characterization of cryptocurrency products under federal securities laws that is sweeping through a large number
of businesses that operate within the cryptocurrency sector. We intend to cooperate fully with the SEC’s investigation and will
continue to work with outside counsel to review the matter.










Item
4. Mine Safety Disclosure








Not
applicable


















18
















PART
II










Item
5. Market for Registrant’s Common Equity, Related Stockholder Matters and Issuer Purchases of Equity Securities









Market
Information









Our
common stock is traded on the OTCQB under the symbol “INVU.”








As
of April 13, 2022, we had approximately 730 stockholders of record of our common stock and 2,711,108,823 shares of common stock issued
and outstanding.









Dividends









Holders
of shares of common stock are entitled to share pro rata in dividends and distributions for the common stock when, as, and if declared
by the board of directors out of funds legally available therefor. We have not paid any dividends on our common stock and intend to retain
earnings, if any, to finance the development and expansion of our business. Future dividend policy is subject to the discretion of the
board of directors and will depend upon a number of factors, including future revenues, capital requirements, overall financial condition,
and such other factors as our board of directors deems relevant.









Recent
Sales of Unregistered Securities









None










Item
6. [Reserved]










Item
7. Management’s Discussion and Analysis of Financial Condition and Results of Operations









The
following discussion should be read in conjunction with our consolidated financial statements and notes to our financial statements included
elsewhere in this report. This discussion contains forward-looking statements within the meaning of Section 27A of the Securities Act
of 1933, as amended, and Section 21E of the Securities Exchange Act of 1934, as amended, as noted by use of the words “believe,”
“expect,” “plan,” “project,” “estimate,” and similar expressions are used, they identify
forward-looking statements. These forward-looking statements are based on management’s current beliefs and assumptions and information
currently available to management, and involve known and unknown risks, uncertainties, and other factors that may cause the actual results,
performance, or achievements to be materially different from any future results, performance, or achievements expressed or implied by
these forward-looking statements. Information concerning factors that could cause our actual results to differ materially from these
forward-looking statements can be found elsewhere in this Report and in our periodic reports filed with the U.S. Securities and Exchange
Commission. The forward-looking statements included are made only as of the date of this report. Except as required by law, we have
no obligation and do not undertake to update or revise any such forward-looking statements to reflect events
or circumstances after the date of the report.










Overview









We
operate a financial technology (FinTech) services company in several different businesses. We deliver multiple products and services
through a direct selling network of independent distributors that offer our products and services through a subscription-based revenue
model to a large base of customers that we refer to as “members”. Through this business we provide research, education, and
investment tools designed to assist the self-directed investor in successfully navigating the financial markets. These services include
research and trade alerts regarding equities, options, FOREX, ETFs, binary options, and cryptocurrency sector
education. In addition to trading tools and research, we also offer full education and software applications to assist the individual
in debt reduction, increased savings, budgeting, and proper tax management. Each product subscription includes a core set of trading
tools and research along with the personal finance management suite to provide an individual with complete access to the information
necessary to cultivate and manage his or her financial situation. In addition to our education subscriptions, through a distribution
arrangement we have with a third party, we have provided our members with an opportunity to purchase through such third party, a specialty
form of adaptive digital currency called “ndau”. Through our direct selling network, we reward our distributors with commissions
under a standard bonus plan that allows for discretionary bonuses based on performance. We also operate a blockchain technology business
that provides leading-edge research, development, and FinTech services involving the management of digital asset technologies
with a focus on Bitcoin mining and the new generation of digital assets. As well, in order to, among other things, commercialize on the
proprietary trading platform we recently acquired from MPower Trading Systems, LLC, take advantage of the market’s increasing
acceptance and expansion of the ownership and use of digital currencies as an investable asset class, subject to applicable regulatory
limitations, and to proactively respond to increasing regulatory scrutiny relative to cryptocurrency products, we have adopted a
growth plan that contemplates the establishment of a suite of financial services that will include self-directed brokerage services,
institutional trade execution services, innovative advisory services (RIA, CTA), and codeless algorithmic trading technologies, which
will operate under our recently formed subsidiary, Investview Financial Group Holdings, LLC (“IFGH”). Towards that end, during
March 2021, we entered into an agreement to acquire a brokerage firm from an affiliate of our former Chief Executive Officer. However,
the closing of that transaction is contingent upon securing FINRA approval which has not yet been obtained. If FINRA approval is not
shortly forthcoming, we are likely to abandon the acquisition and search for alternative acquisitions within the brokerage industry.
Further, our wholly owned subsidiary, SAFE Management, LLC (“SAFE Management”), also owns a currently dormant registered
investment advisor and a commodity trading advisor registered with the National Futures Association (NFA). We plan to relaunch those
services under the IFGH umbrella in 2022 to primarily focus on commodities and FOREX.














19



















Impact
of COVID-19









While
COVID-19 related supply chain issues continue to create challenges for us in acquiring supplies and equipment for SAFETek, we have successfully
sourced new equipment, repaired existing equipment and expanded our operations to include repair of third-party equipment and the creation
of mobile mining trailers and containers.








COVID-19
related travel challenges also impacted iGenius distribution and marketing operations, however, the member base quickly adapted and leveraged
on-line meeting services which in turn expanded interest and attention.








Both
the supply chain issues and travel-related challenges as a result of the worldwide pandemic remain today, but we anticipate these lessening
as worldwide vaccines increase and employees return to work.









Recent
Planned and Completed Acquisitions









In
April 2021 we announced a series of transformational planned acquisitions as part of an overall strategy to expand the scope of our business
into complementary, fast-growing adjacent markets. With these potential acquisitions we will enter the fast-growing U.S. and non-U.S.
online brokerage industry with a state-of-the-art platform with an established profile of delivering professional trading services catering
primarily to a diverse base of self-directed (DIY) and active online brokerage investors, professional fund managers, buy-side professionals,
registered investment advisors and other broker-dealers.








On
March 22, 2021, we entered into agreements to purchase 100% of the operating assets of SSA Technologies LLC (“SSA”), an entity
that owns and operates a FINRA-registered broker-dealer controlled and partially owned by Joseph Cammarata, our former Chief Executive
Officer. Pursuant to these agreements, we agreed to acquire the SSA assets, including, principally, the broker-dealer, for the issuance
of non-voting membership interests in our wholly owned subsidiary, Investview Financial Group Holdings, LLC (“IFGH”), which
are in the future redeemable for 242,000,000 Investview common shares on a one-for-one basis. The transaction is subject to FINRA approval
which has not yet been secured; thus, creating uncertainty relative to the likely ability to complete the transaction.






On
March 22, 2021, we entered into Securities Purchase Agreement to acquire the operating assets and intellectual property rights of MPower
Trading Systems LLC (“MPower”), a company controlled and partially owned by David B. Rothrock and James R. Bell, two of our
board members. Included within the acquisition was Prodigio, a proprietary software-based trading platform with applications within the
brokerage industry. In consideration for the acquisition of such assets, we agreed to issue non-voting Class B membership interests in

our wholly owned subsidiary, IFGH, which

are in the future redeemable for 565,000,000 Investview
common shares on a one-for-one basis (the “Class B Redeemable Units”). On September 3, 2021, we completed the acquisition.
The Class B Redeemable Units issued in the transaction are being held under and subject to a lock-up agreement in which resale of
the Investview common shares is substantially restricted through 2025.

Messrs. Bell and Rothrock, managers and principal equity
holders of MPower, are also members of our Board of Directors. Following full disclosure of their interest, the transaction was approved
by the full Investview Board of Directors, including unanimous support by its then independent directors. The purchase price for the
MPower assets was determined through negotiations with the Investview directors without a conflicting interest in the transaction, and
was based generally on the perceived deeply discounted commercial fair market value of the

Class
B Redeemable Units exchanged in the transaction on the date of the original Securities Purchase Agreement in March 2021, taking into
account, among others, the then limited liquidity and volatility associated with the Company’s shares into which
the Class B Units were redeemable, as well as the impact of a cumulative lock-up period that substantially restricted the resale of
the shares through 2025

.





Although the acquisition of MPower is not expected
to be immediately accretive to our results; together with our planned acquisition of the SSA registered broker-dealer (or another broker-dealer
if the SSA acquisition is not consummated), it is expected to become a fundamental part of an overall strategy to expand the scope of
our Brokerage and Financial Markets business within the investment management and brokerage industries by creating a financial technology
and brokerage firm for active traders and investors that offers customers superior value.









Other
material developments during 2021









In
addition to the achievements above, the Company also completed the following strategic actions:








5/5/2021
– All Founders, Executives, Insiders and Key Shareholders signed a Voluntary Lock-Up Extension of their shares.








6/6/2021
– Ralph R. Valvano was hired as the Company’s Chief Financial Officer expanding the Corporate Finance Team with Jayme
McWidener named as the Chief Accounting Officer.








7/20/21
– SAFETek, LLC successfully opened a State-of-the-Art ASIC Bitcoin Miner Repair Center and Digital-Asset Network-Operations-Center
Facility in Texas USA.








8/22/2021
– We completed a public offering of approximately $6.3 million of Units consisting of: (i) one share of our Series B Preferred
Stock and (ii) five warrants each exercisable to purchase one share of common stock at an exercise price of $0.10 per warrant share.
Holders of our Series B Preferred Stock are entitled to receive cumulative dividends at the annual rate of 13% per annum of the stated
value, equal to $3.25 per annum per share. Each Warrant is immediately exercisable on the date of issuance and will expire 5 years from
the date of issuance.














20














Q1-2022
– we restructured our Board of Directors and executive management team. This occurred as we entered into a Separation and Release
Agreement with two of our former Directors and executive officers and following the termination of our former CEO in Q4-2021
in light of pending government charges relating to an outside business venture that was totally unrelated to the Company. This was
accomplished in conjunction with the appointment of personnel that offers extensive experience and offer a track record of business achievements
that we expect will support the Company’s future initiatives. On February 23, 2022, we announced the restructuring of our executive
leadership with the February 10, 2022 appointment of Victor M. Oviedo as the Company’s new Chief Executive Officer and as a
director; the appointment of David B. Rothrock as Chairman of the Board of Directors and chair of our Up-listing Initiative Sub-Committee;
the transition of James R. Bell from acting Chief Executive Officer to President and Acting Chief Operating Officer, and the
appointment of Myles Gill as Director of Operations, all of which were effective as of February 22, 2022.








Q1-2022
– Our Board of Directors approved the Investview, Inc. 2022 Incentive Plan which provides a variety of incentive awards consisting
of stock options, restricted stock and restricted stock units, and reserves for issuance up to 600,000,000 shares of Investview common
stock.








Q1-2022
– We adopted a Clawback and Forfeiture Policy in general conformity with the Sarbanes-Oxley Act of 2002 pursuant to which we may
recover any bonus or other incentive-based or equity-based compensation and certain profits realized from the sale of our securities
from our current and former executives.









Results
of Operations






Although unaudited, the results of operations
presented below, reflecting comparative year over year information, is based on the audited results for the periods presented.










Year
Ended December 31, 2021, Compared to Year Ended December 31, 2020













Revenues








































































































































Year Ended December 31,



Increase




2021



2020



(Decrease)




(unaudited)



(unaudited)





Subscription revenue, net of refunds, incentives, credits, and chargebacks


$

48,868,170



$

16,441,949



$

32,426,221


Mining revenue



31,393,816




9,227,916




22,165,900


Mining equipment repair revenue



7,460




-




7,460


Cryptocurrency revenue



9,014,172




-




9,014,172


Fee revenue



2,032




14,468




(12,436

)

Total revenue, net


$

89,285,650



$

25,684,333



$

63,601,317










Revenue,
net, increased $63,601,317, or 248%, from $25,684,333 for the year ended December 31, 2020, to $89,285,650 for the year ended December
31, 2021. The increase can be explained by a $32.4 million increase in our net subscription revenue, a $22.2 million increase
in our mining revenue, and a $9.0 million increase in our cryptocurrency revenue. The $32.4 million (197%) increase in
subscription revenue was due to significant product enhancements and expansion into new markets globally, resulting in substantial growth
in our membership; the $22.2 million (240%) increase in mining revenue was a result of additional miners deployed and hash
rate during the period, an increase in the value of Bitcoin, offset by the increase in the global network hash rate in 2021; and
the $9 million increase in cryptocurrency revenue was due to sales of NDAU, the world’s first adaptive digital currency,
a new product launched in early 2021.









Operating
Costs


































































































































































































Year Ended December 31,



Increase




2021



2020



(Decrease)




(unaudited)



(unaudited)





Cost of sales and service


$

9,005,865



$

6,106,940



$

2,898,925


Commissions



34,212,733




12,108,092




22,104,641


Selling and marketing



104,313




1,170,014




(1,065,701

)

Salary and related



5,136,292




4,336,342




799,950


Professional fees



2,224,773




2,732,152




(507,379

)

Impairment expense



674,671




3,669,934




(2,995,263

)

Bad debt expense



719,342




-




719,342


Loss (gain) on disposal of assets



(12,927

)



-




(12,927

)

General and administrative



60,888,350




7,700,471




53,187,879


Total operating costs and expenses


$

112,953,412



$

37,823,945



$

75,129,467














21













Operating costs increased $75,129,467,
or 199%, from $37,823,945 for the year ended December 31, 2020, to $112,953,412 for the year ended December 31, 2021.
We experienced an increase in our cost of sales and services of $2.9 million due to the increase in our mining operations and
the costs associated with operating our mining equipment, which include hosting, electrical, and power costs. We also recorded an
increase in commissions of $22.1 million, an increase in salary and related costs of $800 thousand, and an increase in
general and administrative costs of $53.2 million. Of the $53.2 million increase in general and administrative costs, $51.6
million of that increase was attributable to a non-recurring and non-cash charge arising from the manner in which the acquisition of
the Prodigio Smart Trading Platform, as well as the other operating assets and intellectual property rights of MPower Trading
Systems, LLC, was accounted for on our financial statements, and did not represent a degradation in our cash flow or our liquidity
and capital resources. With the exception of the charge relating to the September 3, 2021 transaction with MPower, these
increases were due to our overall growth in the business and increase in revenues. We recorded $719 thousand in bad debt
expense for the year ended 2021 due to one of our merchants going out of business. The increases were offset by a decrease in our
impairment expense of $3.0 million, where the large expense in the prior year was mostly due to a long-term license agreement
being written off when we discontinued the use of the license ($1.2 million), along with the write-off of fixed assets that
were abandoned ($1.8 million) and the write-off of intangible assets we determined were not going to be recoverable ($627
thousand). During the year ended December 31, 2021 we impaired $140 thousand worth of fixed assets that were abandoned
and wrote-off $534 thousand worth of intangible assets that we determined were not going to be recoverable.









Other
Income (Expense)























































































































































Year Ended December 31,







2021



2020



Change




(unaudited)



(unaudited)





Gain (loss) on debt extinguishment


$

979,268



$

5,362,154



$

(4,382,886

)

Gain (loss) on fair value of derivative liability



168,194




357,895




(189,701

)

Realized gain (loss) on cryptocurrency



1,815,294




535,221




1,280,073


Interest expense



(22,529

)



(7,906,401

)



7,883,872


Interest expense, related parties



(2,653,477

)



(3,502,281

)



848,804


Other income (expense)



(42,020

)



219,514




(261,534

)

Total other income (expense)


$

244,730



$

(4,933,898

)


$

5,178,628










We
recorded other income of $244,730 for the year ended December 31, 2021, which was a difference of $5,178,628, or 105%, from the prior
period other expense of $(4,933,898). The change is due to a smaller gain on debt extinguishment ($979 thousand for the year ended
December 31, 2021 compared to $5.4 million for the year ended December 31, 2020) offset by a larger gain on cryptocurrency ($1.8
million for the year ended December 31, 2021 versus $535 thousand for the year ended December 31, 2020), less interest expense
($22 thousand for the year ended December 31, 2021 compared to $7.9 million for the year ended December 31, 2020) and less
interest expense, related parties ($2.7 million for the year ended December 31, 2021 compared to $3.5 million for the year
ended December 31, 2020). The significant decrease of $7.9 million in interest expense between years was due to the restructuring
of our debt arrangements and our ability to repay higher interest loans with new funding arrangements that had more favorable terms,
along with the APEX lease buyback program which allowed us to cancel our APEX leases in exchange for notes with no interest.










Nine
Months Ended December 31, 2021, Compared to Nine Months Ended December 31, 2020











Revenues






































































































































Nine Months Ended December 31,



Increase




2021



2020



(Decrease)







(unaudited)





Subscription revenue, net of refunds, incentives, credits, and chargebacks


$

40,918,453



$

13,343,867



$

27,574,586


Mining revenue



23,056,457




7,863,649




15,192,808


Mining equipment repair revenue



7,460




-




7,460


Cryptocurrency revenue



8,249,310




-




8,249,310


Fee revenue



-




10,675




(10,675

)

Total revenue, net


$

72,231,680



$

21,218,191



$

51,013,489








Revenue,
net, increased $51,013,489, or 240%, from $21,218,191 for the nine months ended December 31, 2020, to $72,231,680 for the nine months
ended December 31, 2021. The increase can be explained by a $27.6 million increase in our net subscription revenue, a $15.2
million increase in our mining revenue, and an $8.2 million increase in our cryptocurrency revenue. The $27.6 million
(207%) increase in subscription revenue was due to significant product enhancements and expansion into new markets globally, resulting
in substantial growth in our membership; the $15.2 million (193%) increase in mining revenue was a result of additional
miners deployed and hash rate during the period, offset by the increase in the global network hash rate in 2021; and the $8.2
million increase in cryptocurrency revenue was due to sales of NDAU, the world’s first adaptive digital currency, a new product
launched in early 2021.














22



















Operating
Costs




































































































































































































Nine Months Ended December 31,



Increase




2021



2020



(Decrease)







(unaudited)





Cost of sales and service


$

6,107,358



$

4,692,512



$

1,414,846


Commissions



29,127,854




9,365,546




19,762,308


Selling and marketing



76,662




863,547




(786,885

)

Salary and related



3,946,151




3,176,337




769,814


Professional fees



1,574,292




2,505,648




(931,356

)

Impairment expense



140,233




66,645




73,588


Bad debt expense



719,342




-




719,342


Loss (gain) on disposal of assets



(12,927

)



-




(12,927

)

General and administrative



58,927,950




4,630,613




54,297,337


Total operating costs and expenses


$

100,606,915



$

25,300,848



$

75,306,067








Operating
costs increased $75,306,067, or 298%, from $25,300,848 for the nine months ended December 31, 2020, to $100,606,915 for
the nine months ended December 31, 2021. We experienced an increase in our cost of sales and services of $1.4 million due to
the increase in our mining operations and the costs associated with operating our mining equipment, which include hosting,
electrical, and power costs. We also recorded an increase in commissions of $19.8 million, an increase in salary and related
costs of $770 thousand, and an increase in general and administrative costs of $54.3 million. Of the $54.3 million
increase in general administrative costs, $51.6 million of that increase was attributable to a non-recurring and non-cash charge
arising from the manner in which the acquisition of the Prodigio Smart Trading Platform, as well as the other operating assets and
intellectual property rights of MPower Trading Systems, LLC, was accounted for on our financial statements, and did not represent a
degradation in our cash flow or our liquidity and capital resources. With the exception of the charge relating to the September 3,
2021 transaction with MPower, these increases were due to our overall growth in the business and increase in revenues. We
recorded $719 thousand in bad debt expense for the year ended 2021 due to one of our merchants going out of business. The
increases were offset by a decrease in our selling and marketing of $787 thousand and a decrease in professional fees of $931
thousand.









Other
Income (Expense)





















































































































































Nine Months Ended December 31,







2021



2020



Change







(unaudited)





Gain (loss) on debt extinguishment


$

571,466



$

5,068,747



$

(4,497,281

)

Gain (loss) on fair value of derivative liability



352,931




291,299




61,632


Realized gain (loss) on cryptocurrency



1,291,082




430,455




860,627


Interest expense



(16,660

)



(5,550,035

)



5,533,375


Interest expense, related parties



(2,279,397

)



(717,233

)



(1,562,164

)

Other income (expense)



91,220




183,656




(92,436

)

Total other income (expense)


$

10,642



$

(293,111

)


$

303,753












We
recorded other income of $10,642 for the nine months ended December 31, 2021, which was a difference of $303,753, or 104%, from the prior
period other expense of $(293,111). The change is due to a smaller gain on debt extinguishment ($571 thousand for the nine months
ended December 31, 2021 compared to $5.1 million for the nine months ended December 31, 2020), an increase in interest expense,
related parties of $1.6 million, offset by a larger gain on cryptocurrency ($1.3 million for the nine months ended December
31, 2021 versus $430 thousand for the nine months ended December 31, 2020), and less interest expense ($17 thousand for
the nine months ended December 31, 2021 compared to $5.6 for the nine months ended December 31, 2020). The significant decrease
of $5.5 million in interest expense between years, along with the larger gain on debt extinguishment in the nine months ended
December 31, 2020, was due to the restructuring of our debt arrangements, specifically the APEX lease buyback program which allowed us
to cancel our APEX leases in exchange for notes with no interest and capture a gain on extinguishment as a result.














Liquidity
and Capital Resources














During
the nine months ended December 31, 2021, we met our short-term and long-term working capital and capital expenditure requirements,
including funding for operations, capital expenditures, growth initiatives, and for dividends on our Series B Preferred Stock, through
net cash flows provided by operating activities, as well as the net proceeds from the sale of our Series B Preferred Stock, and certain
advances from affiliates. We believe we will have sufficient resources, including cash flow from operations and access to capital markets,
to meet debt service obligations in a timely manner and be able to meet our short-term business objectives.











During the nine-and-twelve-month periods ended December
31, 2021, we incurred a one-time non-recurring charge of $51,619,440 arising from the acquisition of the Prodigio Smart Trading Platform,
as well as the operating assets and intellectual property rights of MPower; more particularly, the issuance of the Class B Redeemable
Units in that transaction. This charge was a non-cash charge that had no impact on our cash flow or our liquidity and capital resources
and related purely to the value imbalance determined for accounting purposes, between the appraised value of the Class B Redeemable Units
issued to MPower versus the appraised value of the MPower assets acquired as of September 3, 2021, each such appraisal conducted under
specific methodologies as determined to be in accordance with applicable accounting standards.














23













During the nine months ended December 31,
2021, excluding the impact of our one-time non-cash charge of $51,619,440 arising from the issuance of the Class B Redeemable Units when
we acquired the operating assets and intellectual property rights of MPower on September 3, 2021, we recorded net income of $22,447,020
compared to $565,793 recorded for the year ended March 31, 2021. Excluding that charge, we were also able to show
income from operations of $23,244,205 in the nine-month transition period ended December 31, 2021 and generate cash of $27,651,343 through
our operating activities. We used this cash from operations and cash generated from financing activities of $308,507 to fund the purchase
of $2,000,828 worth of fixed assets. As a result, our cash, cash equivalents, and restricted cash increased by $25,955,079 to $32,616,906
as compared to $6,661,827 at the beginning of the fiscal year. As of December 31, 2021 we have a working capital balance of $22,339,386
and our unrestricted cryptocurrency balance was reported at a cost basis of $2,141,093.









Commitments
and Contingencies











At
December 31, 2021, we had liabilities of approximately $11.4 million, of which we owe $10.8 million to the holders of long-term notes
that we issued in connection with a lease buyback program we initiated in September 2020.








Through
June 2020, we sold high powered data processing equipment (“APEX”) to our customers and they leased the equipment back to
us on terms sufficient for the customers to recover their investment and an agreed upon return on their investment. Included in the now
discontinued Apex sale and leaseback program was a total protection plus (“TPP”) program administered and managed by a third-party
provider, an affiliate of a global insurance brokerage firm. According to marketing and legal documents provided by the third-party provider,
the TPP program would function as a supplemental financial guaranty by providing the Apex program customers with protection for the purchase
price of such equipment, which could be redeemed by the customer by exercising an option for a cash payout to be paid by the third-party
provider after a certain period of time, either 5 or 10 years. On June 30, 2020, we temporarily discontinued the APEX program to assess
the impact on the Company of COVID-19 related delays in the manufacturing and shipping of the APEX processing equipment, and to determine
our ability to meet the lease commitments in light of such delays. Having concluded that, in light of the equipment delivery delays caused
by COVID-19, we would be unable to meet the APEX lease obligations, in September 2020, we commenced a buyback program where we offered
to repurchase such equipment and cancel the existing lease, by way of a 48-month promissory note that included repayment terms to provide for an agreed-upon return on their initial purchase price. As a result of the buyback program, we entered into notes with
third parties totaling $19,089,500 and notes with related parties of $237,720 in exchange for $474,155 worth of customer advances on
the APEX leases and $22,889,331 of the net APEX lease liability.








We
agreed to settle a portion of the debt during the year ended March 31, 2021, at a discount to the original note terms offered, by making
lump sum payments, issuing 48,000,000 shares of our common stock, issuing 49,418 shares of our preferred stock, and issuing cryptocurrency.
The remaining notes are all due December 31, 2024 and have a fixed monthly payment that is equal to 75% of the face value of the note,
divided by 48 months. The monthly payments began the last day of January 2021 and continue until December 31, 2024 when the last monthly
payment will be made, along with a balloon payment equal to 25% of the face value of the note, to extinguish the remaining balance of
the debt. During the nine months ended December 31, 2021 we repaid a portion of the debt with cash payments of $892,583 and issuances
of cryptocurrency valued at $3,036,701.











Critical
Accounting Policies









The
preparation of our consolidated financial statements in conformity with accounting principles generally accepted in the United States
requires us to make estimates and judgments that affect our reported assets, liabilities, revenues, and expenses, and the disclosure
of contingent assets and liabilities. We base our estimates and judgments on historical experience and on various other assumptions we
believe to be reasonable under the circumstances. Future events, however, may differ markedly from our current expectations and assumptions.
While there are several significant accounting policies affecting our consolidated financial statements; we believe the following critical
accounting policies involves the most complex, difficult, and subjective estimates and judgments.










Basis
of Accounting










Our
policy is to prepare our financial statements on the accrual basis of accounting in accordance with accounting principles generally accepted
in the United States of America. Prior to September 20, 2021 we operated the Company on a March 31, fiscal year end. Effective September
30, 2021 we changed our fiscal year to December 31.










Principles
of Consolidation










The
consolidated financial statements include the accounts of Investview, Inc., and our wholly owned subsidiaries: iGenius, LLC (formerly
Kuvera, LLC), Kuvera France S.A.S (through its closure date in June of 2021), Apex Tek, LLC (formerly Razor Data, LLC), SAFETek, LLC
(formerly WealthGen Global, LLC), S.A.F.E. Management, LLC, United Games, LLC, United League, LLC, Investment Tools & Training, LLC,
iGenius Global LTD (formerly Kuvera (N.I.) LTD), Investview Financial Group Holdings, LLC, and Investview MTS, LLC. All intercompany
transactions and balances have been eliminated in consolidation.














24




















Use
of Estimates










The
preparation of these financial statements in conformity with generally accepted accounting principles requires management to make estimates
and assumptions that affect the reported amounts of assets and liabilities and disclosure of contingent assets and liabilities at the
date of the financial statements and the reported amounts of revenue and expenses during the reporting period. Actual results could differ
from those estimates.










Revenue
Recognition














Subscription
Revenue








Most
of our revenue is generated by subscription sales and payment is received at the time of purchase. We recognize subscription revenue
in accordance with ASC 606-10 where revenue is measured based on a consideration specified in a contract with a customer and recognized
when we satisfy the performance obligation specified in each contract. Our performance obligation is to provide services over a fixed
subscription period; therefore, we recognize revenue ratably over the subscription period and deferred revenue is recorded for the portion
of the subscription period subsequent to each reporting date. Additionally, we offer a designated trial period to first time subscription
customers, during which a full refund can be requested if a customer does not wish to continue with the subscription. Revenues
are deferred during the trial period as collection is not probable until that time has passed. Revenues are presented net of refunds,
sales incentives, credits, and known and estimated credit card chargebacks.








Mining
Revenue








Through
our wholly owned subsidiary, SAFETek, LLC, we leased equipment under a sales-type lease through June of 2020. In June of 2020 we cancelled
all leases and purchased all of the rights and obligations under the leases, which included obtaining ownership of all equipment. We
use the equipment on blockchain networks to validate and add blocks of transactions to blockchain ledgers (commonly referred to as “mining”).
As compensation for mining we are issued fees from processors and/or block rewards that are newly created cryptocurrency units granted
to us. Our mining activities constitute our ongoing major and central operations of SAFETek, LLC. Because we do not have contracts, nor
do we have customers associated with our mining revenue, we recognize revenue when fees and/or rewards are settled, or ultimately granted
to us as a result of our mining activities.








Cryptocurrency
Revenue








We
generate revenue from the sale of cryptocurrency packages to our customers through an arrangement with third-party suppliers. The various
packages include different amounts of coin with differing rates of returns and terms.








We
recognize cryptocurrency revenue in accordance with ASC 606-10 where revenue is measured based on a consideration specified in a contract
with a customer and recognized when we satisfy the performance obligation specified in each contract. Our performance obligation is to
arrange for the third-parties to provide coin and protection (if applicable) to our customers and payment is received from our customers
at the time of order placement. All customers are given two weeks to request a refund, therefore we record a customer advance on our
balance sheet upon receipt of payment. After the two weeks have passed from order placement, we request our third-party suppliers to
deliver coin and protection (if applicable), at which time we recognize revenue and the amounts due to our suppliers on our books.








Fee
Revenue








We
generate fee revenue from our customers through SAFE Management, our subsidiary licensed as a Registered Investment Advisor and Commodities
Trading Advisor. We recognize fee revenue in accordance with ASC 606-10 where revenue is measured based on a consideration specified
in a contract with a customer and recognized when we satisfy the performance obligation specified in each contract. Our performance obligation
is to deliver fully managed trading services to individuals who do not meet the requirements of Qualified Investors and who lack the
time to trade for themselves. We recognize fee revenue as our performance obligation is met and we receive payment for such advisory
fees in the month following recognition.














25


















Revenue
generated for the nine months ended December 31, 2021, was as follows:
























































































































Subscription


Revenue



Cryptocurrency Revenue



Mining Revenue



Mining Equipment Repair Revenue



Total


Gross billings/receipts


$

43,658,422



$

20,199,388



$

23,056,457



$

7,460



$

86,921,727


Refunds, incentives, credits, and chargebacks



(2,739,969

)



-




-




-




(2,739,969

)

Amounts paid to supplier



-




(11,950,078

)



-




-




(11,950,078

)

Net revenue


$

40,918,453



$

8,249,310



$

23,056,457



$

7,460



$

72,231,680








Foreign
revenues for the nine months ended December 31, 2021 were approximately $41.3m million while domestic revenue for the nine months ended
December 31, 2021 was approximately $30.9 million.








Revenue
generated for the year ended March 31, 2021, was as follows:
























































































































Subscription


Revenue



Cryptocurrency Revenue



Mining Revenue



Fee Revenue



Total


Gross billings/receipts


$

22,612,851



$

1,877,186



$

16,201,008



$

12,707



$

40,703,751


Refunds, incentives, credits, and chargebacks



(1,319,266

)



-




-




-




(1,319,266

)

Amounts paid to supplier



-




(1,112,324

)



-




-




(1,112,324

)

Net revenue


$

21,293,584



$

764,862



$

16,201,008



$

12,707



$

38,272,161








Foreign
revenues for the year ended March 31, 2021 were approximately $20.3 million while domestic revenue for the year ended March 31, 2021
was approximately $18.0 million.











Recent
Accounting Pronouncements









In
August 2020, the Financial Accounting Standards Board (“FASB”) issued Accounting Standards Update (ASU) No. ASU 2020-06,

Debt—Debt with Conversion and Other Options (Subtopic 470-20) and Derivatives and Hedging—Contracts in Entity’s
Own Equity (Subtopic 815-40): Accounting for Convertible Instruments and Contracts in an Entity’s Own Equity,

which simplifies
the accounting for certain financial instruments with characteristics of liabilities and equity, including convertible instruments and
contracts on an entity’s own equity. Under current GAAP, there are five accounting models for convertible debt instruments. ASU
2020-06 removes from U.S. GAAP the separation models for (1) convertible debt with a cash conversion feature and (2) convertible instruments
with a beneficial conversion feature. As a result, after adopting the ASU’s guidance, entities will not separately present in equity
an embedded conversion feature in such debt. Instead, they will account for a convertible debt instrument wholly as debt, and for convertible
preferred stock wholly as preferred stock (i.e., as a single unit of account), unless (1) a convertible instrument contains features
that require bifurcation as a derivative under ASC 815 or (2) a convertible debt instrument was issued at a substantial premium. Additionally,
for convertible debt instruments with substantial premiums accounted for as paid-in capital, the FASB decided to add disclosures about
(1) the fair value amount and the level of fair value hierarchy of the entire instrument for public business entities and (2) the premium
amount recorded as paid-in capital. ASU 2020-06 will be effective for public business entities that meet the definition of a Securities
and Exchange Commission (SEC) filer, excluding entities eligible to be smaller reporting companies as defined by the SEC, for fiscal
years beginning after December 15, 2021, including interim periods within those fiscal years. For all other entities, the amendments
are effective for fiscal years beginning after December 15, 2023, including interim periods within those fiscal years. Early adoption
is permitted, but no earlier than fiscal years beginning after December 15, 2020, including interim periods within those fiscal years.
The Company is currently evaluating the potential impact of the adoption of this accounting pronouncement to its financial statements.








We
have noted no other recently issued accounting pronouncements that we have not yet adopted that we believe are applicable or would have
a material impact on our financial statements.








Operating Costs







Our costs of operations for the nine and twelve-month
periods ended December 31, 2021, were negatively impacted by a non-cash charge of $51,619,440 arising from the acquisition of the Prodigio
Smart Trading Platform, as well as the other operating assets and intellectual property rights of MPower; more particularly, the issuance
of the Class B Redeemable Units in that transaction. This non-cash charge had no impact on our cash flow or our liquidity and capital
resources and related purely to the value imbalance determined for accounting purposes, between the appraised value of the Class B Redeemable
Units issued to MPower versus the appraised value of the MPower assets acquired as of September 3, 2021, each such appraisal conducted
under specific methodologies as determined to be in accordance with applicable accounting standards.











Off-Balance
Sheet Arrangements









We
do not have any off-balance sheet arrangements that are reasonably likely to have a current or future effect on our financial condition,
revenues, and results of operations, liquidity, or capital expenditures.









Trends,
Risks, and Uncertainties









We
have sought to identify what we believe to be the most significant risks to our business, but we cannot predict whether, or to what extent,
any of such risks may be realized nor can we guarantee that we have identified all possible risks that might arise. Investors should
carefully consider all such risk factors before making an investment decision with respect to our common stock.














26



















Potential
Fluctuations in Annual Operating Results









Our
annual operating results may fluctuate significantly in the future as a result of a variety of factors, most of which are outside our
control, including: the demand for our products and services; seasonal trends in purchasing, the amount and timing of capital expenditures;
price competition or pricing changes in the market; technical difficulties or system downtime; and general economic conditions.








Our
annual results may also be significantly impacted by the accounting treatment of acquisitions, financing transactions, or other matters.
Particularly at our early stage of development, such accounting treatment can have a material impact on the results for any quarter.
Due to the foregoing factors, among others, it is likely that our operating results may fall below our expectations or those of investors
in some future quarter.









Management
of Growth









We
may experience growth, which will place a strain on our managerial, operational, and financial systems resources. To accommodate our
current size and manage growth if it occurs, we must devote management attention and resources to improve our financial strength and
our operational systems. Further, we will need to expand, train, and manage our sales and distribution base. There is no guarantee that
we will be able to effectively manage our existing operations or the growth of our operations, or that our facilities, systems, procedures,
or controls will be adequate to support any future growth. Our ability to manage our operations and any future growth will have a material
effect on our stockholders.








Companies
trading on the OTCQB tier of OTC Markets, such as us, must be reporting issuers under Section 12 of the Securities Exchange Act of 1934,
as amended (the “Exchange Act”), and must be current in their reports under Section 13, to maintain price quotation privileges
on the OTCQB tier. If we fail to remain current on our reporting requirements, we could be removed from the OTCQB tier. As a result,
the market liquidity for our securities could be severely adversely affected by limiting the ability of broker-dealers to sell our securities
and the ability of stockholders to sell their securities in the secondary market.










Item
7A. Quantitative and Qualitative Disclosures about Market Risk








We
are not required to provide the information required by this item.










Item
8. Financial Statements and Supplementary Data








The
financial statements begin on Page F-1.










Item
9. Changes In and Disagreements with Accountants on Accounting and Financial Disclosure








None.










Item
9A. Controls and Procedures









Evaluation
of Disclosure Controls and Procedures









We
maintain disclosure controls and procedures that are designed to ensure that material information required to be disclosed in our periodic
reports filed under the Exchange Act is recorded, processed, summarized, and reported within the time periods specified in the SEC’s
rules and forms and to ensure that such information is accumulated and communicated to our management, including our Chief Executive
Officer and Chief Financial Officer as appropriate, to allow timely decisions regarding required disclosure. We carried out an evaluation,
under the supervision and with the participation of our management, including the principal executive officer and the principal financial
officer, of the effectiveness of the design and operation of our disclosure controls and procedures, as defined in Rule 13(a)-15(e) under
the Exchange Act, as of the end of the period covered by this report. Based on this evaluation management concluded that our disclosure
controls and procedures were effective as of December 31, 2021.









Management’s
Report on Internal Control over Financial Reporting









Our
management is responsible for establishing and maintaining adequate internal control over financial reporting. Our internal control over
financial reporting is designed to provide reasonable assurances regarding the reliability of financial reporting and the preparation
of our financial statements in accordance with U.S. generally accepted accounting principles, or GAAP. Because of its inherent limitations,
internal control over financial reporting may not prevent or detect misstatements. Also, projections of any evaluation of effectiveness
to future periods are subject to the risk that controls may become inadequate because of changes in conditions, or that the degree or
compliance with the policies or procedures may deteriorate.














27


















With
the participation of our then Chief Executive Officer and Chief Financial Officer (principal financial officer), our management conducted
an evaluation of the effectiveness of our internal control over financial reporting as of December 31, 2021 based on the framework in
Internal Control—Integrated Framework issued by the Committee of Sponsoring Organizations of the Treadway Commission (“COSO”).
Based on our evaluation management concluded that we maintained effective internal control over financial reporting as of December 31,
2021, based on the COSO framework criteria. Management believes our processes and controls are sufficient to ensure the consolidated
financial statements for the nine months ended December 31, 2021, included in this Transition Report on Form 10-K, were fairly stated
in accordance with U.S. GAAP.








Management’s
report on internal control over financial reporting was not subject to attestation by our registered public accounting firm pursuant
to Securities and Exchange Commission rules that permit us to provide only management’s report in this Annual Report on Form 10-K.









Limitations
on Effectiveness of Controls and Procedures









Our
management, including our Chief Executive Officer and Chief Financial Officer (principal financial officer), does not expect that our
disclosure controls and procedures or our internal controls will prevent all errors and all fraud. A control system, no matter how well
conceived and operated, can provide only reasonable, not absolute, assurance that the objectives of the control system are met. Further,
the design of a control system must reflect the fact that there are resource constraints, and the benefits of controls must be considered
relative to their costs. Because of the inherent limitations in all control systems, no evaluation of controls can provide absolute assurance
that all control issues and instances of fraud, if any, within the company have been detected. These inherent limitations include, but
are not limited to, the realities that judgments in decision-making can be faulty and that breakdowns can occur because of simple error
or mistake. Additionally, controls can be circumvented by the individual acts of some persons, by collusion of two or more people, or
by management override of the control. The design of any system of controls also is based in part upon certain assumptions about the
likelihood of future events and there can be no assurance that any design will succeed in achieving its stated goals under all potential
future conditions. Over time, controls may become inadequate because of changes in conditions, or the degree of compliance with the policies
or procedures may deteriorate. Because of the inherent limitations in a cost-effective control system, misstatements due to error or
fraud may occur and not be detected.









Changes
in Internal Controls









During
the fiscal quarter ended December 31, 2021, there have been no changes in our internal control over financial reporting that have materially
affected or are reasonably likely to materially affect our internal controls over financial reporting.










Item
9B. Other Information








None.










Item
9C. Disclosure Regarding Foreign Jurisdictions that Prevent Inspections








Not
applicable.














28
















PART
III










Item
10. Directors, Executive Officers and Corporate Governance









Directors
and Executive Officers









The
following table sets forth certain information with respect to our directors and executive officers:



























































Name








Age








Position




David
B. Rothrock






57






Chairman



Victor
M. Oviedo






45






Chief
Executive Officer and Director



James
R. Bell






56






President,
Acting Chief Operating Officer and Director



Myles
P. Gill






48






Director
of Operations



Ralph
R. Valvano






52






Chief
Financial Officer



Jayme
L. McWidener






43






Chief
Accounting Officer









David
B. Rothrock

has extensive executive management, board, and operational expertise in the automobile industry, fintech, financial services,
residential and commercial real estate, property management, corporate financing, private equity, utility technology, environmental remediation
services, insurance, wine retail operations and distribution, and wealth management. Mr. Rothrock is the chief executive officer of DBR
Capital, LLC. Through his leadership, guidance, and vision, in key roles as president and chief executive officer of DBR Capital LLC,
MPower Trading Systems, LLC, Cedar Crest Partners G.P. LLC, and Rothrock Motors Sales, Inc. (a group of franchised automobile
dealerships), these businesses collectively generated over $300 million in annual sales revenue. Mr. Rothrock is an active board member
of charitable organizations that support breast cancer research and women’s health and fitness as well as the arts and theater
in Lehigh Valley, PA. Mr. Rothrock has a B.S. in Business Management graduating Magna Cum Laude from Widener University and holds a J.D.
from the New York Law School with bar admittance to New York, New Jersey, and Pennsylvania. Mr. Rothrock was appointed to the Board at
the request of DBR Capital, LLC, pursuant to the terms of a Voting Agreement between DBR Capital and certain key holders of our common
stock dated April 27, 2020, and amended November 9, 2020. Mr. Rothrock is the sole owner of DBR Capital, LLC. See Item 13. Certain Relationships
and Related Transactions, and Director Independence. We believe Mr. Rothrock is qualified to serve as a director due to his executive
management, board, and operational expertise across multiple disciplines and industries.











Victor
M. Oviedo

has served for the past 4 years as co-founder and Managing Partner for StageLight Group, a strategic capital and advisory
firm which provides strategic capital to early and growth-stage companies. Previously, he was a Partner at SkyBridge Capital and Global
Head of Business Development & Strategy where he was directly responsible for the firm’s growth, international expansion, new
business development and brand strategy initiatives. During his 12-year tenure, he was instrumental in growing the firm’s assets
from $300M to $14B, acquiring their flagship fund-of-fund business and creating & launching the world-renowned SALT Conference. Prior
to joining SkyBridge, Mr. Oviedo was a Senior Consultant within Oliver Wyman’s capital markets division where he focused on international
acquisitions and growth strategies for major financial institutions. In addition, he was a Manager of Strategic Growth for Kozmo –
a venture capital funded start-up. He began his career as an investment banker at Donaldson, Lufkin & Jenrette (DLJ) within the media
& communications team. Mr. Oviedo received an MBA in Finance & Entrepreneurship from the Wharton School at the University of
Pennsylvania and a MA in Advance International Studies from the Paul H. Nitze School of Advanced International Studies (SAIS) at Johns
Hopkins University. He also graduated with honors with a BSFS in International Economics from the Edmund A. Walsh School of Foreign Service
at Georgetown University. We believe Mr. Oviedo is qualified to serve as a director based on his role as our Chief Executive Officer
and his extensive management experience in the financial industry.









James
R. Bell

has extensive experience in financial management and operations with more than 30 years of experience in the capital
markets. Previously, as co-founder and chief executive officer of MPower Trading Systems, LCC, Mr. Bell was responsible
for overseeing all principal functions of the firm, including corporate strategy and
deployment of initiatives, product, and partnerships. Mr. Bell has been at the forefront of online trading since its infancy. Prior to
co-founding MPower in 2004, Mr. Bell served as managing director of trading development of thinkorswim-TD Ameritrade, Inc. from 2002-2011,
where he led the company’s product and technology team to develop client digital content. Mr. Bell is co-founder and passive investor
of Shadow Trader Technologies, which provides real-time digital financial research and education content to TD Ameritrade/Charles Schwab
(2004-present). Prior to MPower, Mr. Bell also co-founded B/C Interactive Trading Technologies in 2001, which was ultimately sold to
MPower in 2004. Prior to B/C, Mr. Bell served as SVP of Janney Montgomery Scott, and before that position, with Morgan Stanley. Mr. Bell
studied economics and business management at Frostburg State University. Mr. Bell holds multiple business accreditations and previously
held securities licenses, including FINRA Series 7, FINRA Series 55, and FINRA Series 63. Mr. Bell was appointed to the Board at the
request of DBR Capital, LLC, pursuant to the terms of a Voting Agreement between DBR Capital and certain key holders of our common stock
dated April 27, 2020, and amended November 9, 2020. We believe Mr. Bell is qualified to serve as a director due to his extensive experience
in financial management and operations.














29



















Myles
P. Gill

has held several key leadership roles and brings significant knowledge and expertise in various disciplines following
an 18-year career that began as a Naval Officer. From 2017 -2021, Mr. Gill had been President/ CIO for Mannis Operations Group, a
private family office. In that role, Mr. Gill provided strategic direction, vision, leadership, and management in all functional areas
(including investments, operations, environmental, social, governance, trust and estate planning/compliance, risk management, legal,
human resources) for a $2B AUM, 23 entity single-family office. Mr. Gill earned a Bachelor of Science degree in Mathematics and Oceanography
as a Naval Officer from the United States Naval Academy.









Ralph
R. Valvano



has over 26 years of global finance and
transformation experience in the financial services industry. Mr. Valvano’s prior experience included the positions of CFO/COO
of J.C. Flowers Asset Management, part of a $15 billion-dollar private equity firm, Financial Operations and Principal (FinOp) of J.C.
Flowers Securities, a FINRA registered broker-dealer, and CFO of Flowers National Bank NA. Prior to that Mr. Valvano held various roles
at JPMorgan Chase & Co. and ended his tenure as the Global Investment Bank Management Controller. Mr. Valvano began his career as
a financial services auditor for PricewaterhouseCoopers. He earned a BS in Accounting from William Paterson University, a MS in Tax from
Fairleigh Dickinson University and obtained his CPA license in 1994.









Jayme
L. McWidener

earned her bachelor’s degree and Masters of Business Administration from Drake University and became an auditor
for Cahaba GBA in 2001 before joining HJ & Associates, LLC (“HJ”) in January 2004 as an audit staff member. She obtained
her CPA license in 2007 and worked at HJ focusing on auditing SEC reporting companies, eventually being promoted to an audit senior and
audit manager before she became a partner at HJ in January 2014. Ms. McWidener spent just over 2 years as a partner with HJ and with
its successor, Haynie & Company. In April of 2016 she established Mac Accounting Group, LLP, specializing in PCAOB audits for SEC
reporting companies and AICPA audits for private companies in a variety of industries.








Our
directors are elected for a term of one year and until their successors are qualified, nominated, and elected. We currently have four
vacancies on our board of directors. Two vacancies were created by the resignations of Mario Romano and Annette Raynor and two vacancies
have never been filled after we agreed to expand the size of the board of directors to seven members in connection with the investment
of DBR Capital, LLC.









Role
of the Board









It
is the paramount duty of the board to oversee our management in the competent and ethical operation of the company on a day-to-day basis
and to assure that the long-term interests of the shareholders are being served. To satisfy this duty, the directors take a proactive,
focused approach to their position, and set standards to ensure that we are committed to business success through maintenance of ambitious
standards of responsibility and ethics.








The
board of directors met formally nine times during the nine months ended December 31, 2021.









Special
Governance Rights Associated with the Investment of DBR Capital, LLC









In
connection with its investment, DBR Capital, LLC, has been accorded certain special governance rights, including the right to appoint
four of our seven directors so long as it holds a convertible note or any of our other securities. The investment agreements also
require that certain capital, financial and other material actions of our board of directors be approved by at least one DBR Capital-appointed
director, who shall be David B. Rothrock if he is then serving as a director. DBR Capital, appointed David B. Rothrock and James
R. Bell to two of those positions and the other two remain vacant. If we default under the investment agreements, DBR Capital, LLC, will have the right remove any directors it did not appoint and
appoint its designees to fill all seven seats on the board of directors.











Committees









Our
business, property, and affairs are managed by or under the direction of the board of directors. Members of the board are kept informed
of our business through discussion with the chief executive and financial officers and other officers, by reviewing materials provided
to them, and by participating at meetings of the board and its committees.









Audit
Committee









We
currently do not have a designated audit committee, and accordingly, our board of directors preapproves all audit and permissible non-audit
services provided by the independent auditor, including audit, audit-related, tax, and other services. Preapproval is generally provided
for up to one year, detailed as to the service or category of services, and subject to a specific budget. The independent auditor and
management are required to periodically report to our board of directors regarding the extent of services provided by the independent
auditor in accordance with this preapproval and the fees for the services performed to date. The board of directors may also preapprove
particular services on a case-by-case basis.














30



















Compensation
Committee









We
currently do not have a designated compensation committee, and accordingly, our board of directors will approve all compensation matters
until such committee is established and approved.









Code
of Ethics









We
have a code of ethics that applies to all of our employees, including our principal executive officer, principal financial officer, principal
accounting officer, and the directors, a copy of which is available in the Employee Handbook. We intend to disclose any changes in or
waivers from our code of ethics by posting such information on our website or by filing a Form 8-K.









Delinquent
Section 16(a) Reports









Section
16(a) of the Exchange Act requires our directors, executive officers, and persons who own more than 10% of our common stock to file with
the Securities and Exchange Commission initial reports of ownership and reports of changes in ownership of common stock and other of
our equity securities. Our officers, directors, and 10% stockholders made the required filings pursuant to Section 16(a) for all reports
required to be filed in the year ended December 31, 2021 and prior fiscal years; however, each of Annette Raynor, Mario Romano, David
B. Rothrock, and James R. Bell had two Form 4 filings that were filed late and Jayme McWidener had one Form 4 that was
filed late.










Item
11. Executive Compensation









Directors’
Compensation









Our
directors were awarded compensation for their services as directors as follows:








On
November 9, 2020, David B. Rothrock was awarded 50,000,000 shares of restricted common stock to vest in equal amounts in November 2021,
2022, and 2023 (subject to continued service on the board of directors). In February 2022, Mr. Rothrock was awarded a board retainer
of $96,000 annually, to be paid on a monthly basis, and we agreed to grant him an additional 35,000,000 shares of
restricted stock for his service as a director following the filing and effectiveness of an S-8 registration statement. Those shares
will vest over a five-year period (subject to continued service on the board of directors).








On November 9, 2020, James R. Bell was awarded 45,000,000 shares of restricted
common stock to vest in equal amounts in November 2021, 2022, and 2023 (subject to continued service on the board of directors).








On November 9, 2020, Joseph Cammarata was awarded 50,000,000 shares of
restricted common stock to vest in equal amounts in November 2021, 2022, and 2023 (subject to continued service on the board of directors).
Upon Mr. Cammarata’s resignation from the board of directors as of December 8, 2021, 33,333,333 of his unvested shares were subject
to cancelation.










On
November 9, 2020, Annette Raynor was awarded 15,000,000 shares of restricted common stock for her service as a director to vest
in equal amounts in November 2021, 2022, and 2023 (subject to continued service on the board of directors). Ms. Raynor resigned from
the board of directors effective January 6, 2022 and 10,000,000 unvested shares have been returned for cancelation.








On
November 9, 2020, Mario Romano was awarded 15,000,000 shares of restricted common stock for his service as a director to vest
in equal amounts in November 2021, 2022, and 2023 (subject to continued service on the board of directors). Mr. Romano resigned
from the board of directors effective January 6, 2022 and 10,000,000 unvested shares have been returned for cancelation.







In February 2022, we agreed to grant Victor
M. Oviedo 20,000,000 shares of restricted common stock for his service as a director following the filing and effectiveness of an S-8
registration statement. Those shares will vest over a five-year period (subject to continued service on the board of directors).









Executive
Officers’ Compensation









The
following table sets forth information concerning the annual and long-term compensation earned by or paid to our chief executive officer
and to other persons who served as executive officers as, at, or during the nine-month transition period ended December 31, 2021 and
the year ended March 31, 2021 (the “named executive officers”), for services as executive officers for the last two fiscal
years.














31



















Summary
Compensation Table







































































































































































































































































































































































































































































































Name and Principal Position


Period/Year Ended












Salary






Stock Awards












Option Awards















Non-Equity Incentive Plan Compensation






Change in Pension Value and Non-Qualified Deferred Compensation Earnings



All Other Compensation
















Total










($)



($)



($)



($)



($)



($)



($)


Joseph Cammarata




12/31/2021





-





189,571


[7]



-




-




-




-




189,571


Former Chief Executive Officer and Director [1]




3/31/2021





-





133,763


[7]



-




-




-




-




133,763


James R. Bell




12/31/2021





-





219,247


[8]



-




-




-




-




219,247


President, acting Chief Operating Officer and Director [2]




3/31/2021





-





120,386


[8]



-




-




-




-




120,386


Annette Raynor [3]




12/31/2021





168,750





211,769


[9][10]



-




-




-





28,127


[15]



408,646


Former Chief Operations Officer and Former Director




3/31/2021





225,000





539,092




[9][10]



-




-




-





82,238


[16]



846,330


Mario Romano [4]




12/31/2021





168,750





211,769


[11][12]



-




-




-





28,127


[15]



408,646


Former Director of Finance and Former Director




3/31/2021





225,000





539,092


[11][12]



-




-




-





82,238


[16]



846,330


Ralph R. Valvano [5]




12/31/2021





126,563





156,994


[13]



-




-




-





10,442


[15]



293,999


Chief Financial Officer




3/31/2021





-




-




-




-




-




-




-


Jayme L. McWidener [6]




12/31/2021





131,250





53,096


[14]



-




-




-





6,003


[15]



190,350


Chief Accounting Officer




3/31/2021





175,000





126,320


[14]



-




-




-





9,000


[15]



310,320







































































































[1]



On
November 5, 2021, Joseph Cammarata was put on administrative leave and removed from all duties and responsibilities and on December
7, 2021, Investview, Inc., terminated his employment for cause.



[2]



On
November 5, 2021, James R. Bell was appointed as acting Chief Executive Officer. His title with the Company was changed
effective February 22, 2022.



[3]



Ms.
Raynor resigned as an officer and director on January 6, 2022. A portion of Ms. Raynor’s compensation was paid to Wealth Engineering
LLC, an entity in which she is a 50% owner.



[4]



Mr.
Romano resigned as an officer and director on January 6, 2022. A portion of Mr. Romano’s compensation was paid to Wealth Engineering
LLC, an entity in which he is a 50% owner.



[5]



On
June 7, 2021, Ralph R. Valvano was named Chief Financial Officer.



[6]



On
June 7, 2021, Jayme McWidener resigned as Chief Financial Officer and accepted the position as Chief Accounting Officer.



[7]



On
November 9, 2020, Joseph Cammarata was awarded 50,000,000 shares that vest over three years for his services as a director. The expense
related to this issuance is being recognized based on the vesting terms which resulted in $189,571 of expense recognized during
the nine months ended December 31, 2021 and $133,763 of expense recognized during the twelve months ended March 31, 2021.



[8]



On
November 9, 2020, James R. Bell was awarded 45,000,000 shares that vest over three years for his services as a director. The
expense related to this issuance is being recognized based on the vesting terms which resulted in $219,247 of expense recognized
during the nine months ended December 31, 2021 and $120,386 of expense recognized during the twelve months ended March 31, 2021.



[9]



On
November 9, 2020, Ms. Raynor was awarded 15,000,000 shares that vest over three years for her services as a director. The expense
related to this issuance is being recognized based on the vesting terms which resulted in $56,871 of expense recognized
during the nine months ended December 31, 2021 and $40,219 of expense recognized during the twelve months ended March 31, 2021.



[10]



On
July 24, 2019, Wealth Engineering, LLC, an entity owned 50% by Ms. Raynor, was awarded 190,000,000 shares of common stock. In accordance
with the agreement one third of the shares vested upon execution of the agreement and the remaining two thirds vest over two years,
contingent upon Ms. Raynor and Mr. Romano’s continued employment by the Company. The fair market value of half these shares
was $1,501,000 or $0.0158 per share (the per share price on the date of issuance). The expense related to this issuance is being
recognized based the vesting terms per the agreement which resulted in $154,898 of expense recognized during the nine months ended
December 31, 2021 and $498,963 of expense recognized during the twelve months ended March 31, 2021.



[11]



On
November 9, 2020, Mr. Romano was awarded 15,000,000 shares that vest over three years for his services as a director. The expense
related to this issuance is being recognized based on the vesting terms which resulted in $56,871 of expense recognized during
the nine months ended December 31, 2021 and $40,219 of expense recognized during the twelve months ended March 31, 2021.



[12]



On
July 24, 2019, Wealth Engineering, LLC, an entity owned 50% by Mr. Romano, was awarded 190,000,000 shares of common stock. In accordance
with the agreement one third of the shares vested upon execution of the agreement and the remaining two thirds vest over two years,
contingent upon Ms. Raynor and Mr. Romano’s continued employment by the Company. The fair market value of half these shares
was $1,501,000 or $0.0158 per share (the per share price on the date of issuance). The expense related to this issuance is being
recognized based on the vesting terms per the agreement which resulted in $154,898 of expense recognized during the nine months
ended December 31, 2021 and $498,963 of expense recognized during the twelve months ended March 31, 2021.



[13]



On
June 4, 2021, Ralph R. Valvano was awarded 6,500,000 shares of common stock as part of his employment agreement. In accordance
with the agreement, 20% of the shares vested upon execution of the agreement and the remaining shares vest 20% per year over the
next four years, contingent upon Mr. Valvano’s continued employment by the Company. The fair market value of these shares was
$272,870 or $0.2099 per share (the per share price on the date of issuance). The expense related to this issuance is being recognized
based on the vesting terms per the agreement which resulted in $156,994 of expense recognized during the nine months ended
December 31, 2021.



[14]



On
September 15, 2019, Jayme McWidener was awarded 20,000,000 shares of common stock as part of her employment agreement. In accordance
with the agreement, one third of the shares vested upon execution of the agreement and the remaining two thirds vest over two years,
contingent upon Ms. McWidener’s continued employment by the Company. The fair market value of these shares was $380,000 or
$0.019 per share (the per share price on the date of issuance). During the nine months ended December 31, 2021 Ms. McWidener returned
6,666,666 shares to the Company prior to their vesting date. The expense related to this issuance is being recognized based on
the vesting terms per the agreement which resulted in $53,096 and $126,320 of expense recognized during the nine months ended
December 31, 2021 and the year ended March 31, 2021, respectively. The forfeiture of the 6,666,666 shares reversed previously recognized
compensation cost of $121,461 during the nine months ended December 31, 2021.



[15]



These
other compensation amounts are for medical and other fringe benefits.



[16]



Includes
$66,797 in medical reimbursements and $15,441 for fiscal year 2021 revenue under the Founder Revenue Agreements.














32



















Outstanding
Equity Awards at Fiscal Year-End











No
stock option awards were exercisable or unexercisable as of December 31, 2021, for any executive officer.











Employment
Agreements and Revenue Share Agreements









Effective
October 1, 2017, the Company entered into Founder Employment Agreements with Annette Raynor, then Chief Operating Officer, and Mario
Romano, then Director of Finance and Investor Relations. The terms and covenants in the agreements were the same for each of the founders
and had a term of five years that automatically renews for three successive five-year terms unless terminated prior to the 90th day following
the expiration of the applicable term. The agreements provided for an annual salary of $225,000 with annual reviews by the board of directors
or the designated compensation committee to determine whether an increase in salary is appropriate based on our results of operations,
increased activities, or responsibilities of the founder, or such other factors as the board of directors or the designated compensation
committee thereof may deem appropriate. Those agreements were terminated upon the January 6, 2022, resignations of Ms. Raynor
and Mr. Romano.








On
September 6, 2019, the Company entered into an Employment Agreement with Jayme McWidener that became effective September 15

,

2019, appointing her as Chief Financial Officer. The Employment Agreement has a term of two years commencing on the effective
date and automatically renews for one-year periods for three consecutive years, unless terminated prior to the 90

th

day following
the expiration of the applicable term. Compensation for the position is $175,000 per year plus expenses. Other consideration is 20,000,000
restricted shares of the Company’s common stock vesting over a two-year period with one third vesting upon issuance and one third
vesting on each of the next two anniversaries. On June 7, 2021, the Company amended the September 6, 2019 Employment Agreement to appoint
Ms. McWidener as Chief Accounting Officer.








On
November 29, 2019, an Employment Agreement was entered into between the appointed Chief Executive Officer, Joseph Cammarata and
Investview, Inc. that became effective on December 1, 2019. The contract was for a term of five years and provided a salary compensation
of $1 per year, 20,000,000 shares to be issued that vested immediately, and additional equity awards that could be earned upon
the Company achieving certain milestones that were not met. That agreement was terminated when we terminated Mr. Cammarata’s employment
for cause on December 7, 2021.








On
June 4, 2021, we entered into an Employment Agreement with Ralph Valvano to take effect June 7, 2021, appointing him as the Chief
Financial Officer of Investview, Inc. The contract has a term of one year commencing on the effective date and automatically renews for
one-year periods for four consecutive years, unless terminated. Compensation for the position is $225,000 per year. Other consideration
is 6,500,000 restricted shares of the Company’s common stock vesting over a five-year period with 20% vesting upon each annual
anniversary of employment.








On
February 10, 2022, we entered into an employment agreement with Victor M. Oviedo, our new Chief Executive Officer. Mr. Oviedo will receive
an annual salary of $415,000 with additional quarterly incentive cash and common stock bonuses to be paid if certain target key performance
indicators are achieved. In addition, Mr. Oviedo shall be eligible to receive: (i) periodic cash and common stock “Market Capitalization”
bonuses once we achieve certain pre-determined minimum levels of market capitalization, share price and trading volume; and (ii) a one-time
cash “Up-Listing” bonus upon our shares being listed on the Nasdaq Stock Market, the New York Stock Exchange, the NYSE American
or such other national stock exchange as approved by the board of directors (or committee thereof). We have also agreed to grant Mr.
Oviedo 60,000,000 shares of restricted common stock for his service as an executive officer, vesting over a five-year period. Those shares
will be issued under our 2022 Incentive Plan following the filing and effectiveness of an S-8 registration statement and will be subject
to the terms of a Lock-Up Agreement dated March 22, 2021, to which Mr. Oviedo has joined as a party pursuant to a Joinder Agreement.








On
February 22, 2022, we entered into an employment with our President and Acting Chief Operating Officer, James R. Bell. Mr. Bell
will receive an annual salary of $335,000 with additional quarterly incentive cash and common stock bonuses to be paid if certain target
key performance indicators are achieved. In addition, Mr. Bell shall be eligible to receive: (i) periodic cash and common stock “Market
Capitalization” bonuses once we achieve certain pre-determined minimum levels of market capitalization, share price and trading
volume; and (ii) a one-time cash “Up-Listing” bonus upon our shares being listed on the Nasdaq Stock Market, the New York
Stock Exchange, the NYSE American or such other national stock exchange as approved by the board of directors (or committee thereof).
We have also agreed to grant Mr. Bell 60,000,000 shares of restricted common stock, vesting over five years, for his service as an executive
officer. Those shares will be issued under our 2022 Incentive Plan following the filing and effectiveness of an S-8 registration statement
and will be subject to the terms of a Lock-Up Agreement dated March 22, 2021, to which he is already a party.














33


















On
February 22, 2022, we entered into an employment agreement with our Director of Operations, Myles Gill. Mr. Gill will receive an annual
salary of $250,000 with additional quarterly incentive cash and common stock bonuses to be paid if certain target key performance indicators
are achieved. In addition, Mr. Gill shall be eligible to receive: (i) periodic cash and common stock “Market Capitalization”
bonuses once the Company achieves certain pre-determined minimum levels of market capitalization, share price and trading volume; and
(ii) a one-time cash “Up-Listing” bonus upon our shares being listed on the Nasdaq Stock Market, the New York Stock Exchange,
the NYSE American or such other national stock exchange as approved by the board of directors (or committee thereof). We have also agreed
to grant Mr. Gill 20,000,000 shares of restricted common stock, vesting over five years, for his service as an executive officer. Those
shares will be issued under the Company’s 2022 Incentive Plan following the filing and effectiveness of an S-8 registration statement
and will be subject to the terms of a Lock-Up Agreement dated March 22, 2021, to which Mr. Gill has joined as a party pursuant to a Joinder
Agreement.





We have also entered into indemnification agreements
with our current named executive officers and directors.






Potential Payments Upon Termination of Employment or Change in Control








Employment Agreements







The employment agreements with our named executive
officers contain severance provisions, including in connection with a change of control, intended to induce these executives to continue
employment with our Company and to retain them and provide consideration to them for certain restrictive covenants that apply following
a termination of employment.





Under each of our employment agreements with Messrs.
Oviedo, Bell and Gill, we may terminate the agreement at any time.  If we terminate the agreement due to the executive’s disability
or death, the executive’s unvested restricted shares that are scheduled to vest during the period from the date of termination
through the next scheduled vesting date will immediately vest and the remaining unvested restricted shares shall terminate and be forfeited,
and we must pay to the executive or his estate, no later than 90 days following his termination, any quarterly cash bonuses, market capitalization
bonuses, up-listing cash bonuses that he earned for any fiscal quarters prior to the termination of his employment, as well as a lump
sum amount in cash equal to 6 months base salary. If the executive terminates the agreement for good reason or we terminate for any reason
other than for cause, (i) we must pay to the executive an amount equal to his base salary as salary continuation payments over six months
if his termination occurs on or before the first anniversary of his employment or, for Mr. Oviedo, over twelve months if his termination
occurs after the first anniversary of his employment; (ii) his unvested restricted shares that are scheduled to vest during the severance
period will immediately vest and the remaining unvested restricted shares shall terminate and be forfeited; (iii) we must pay to the
executive, no later than 90 days following his termination, any quarterly cash bonuses, market capitalization bonuses, up-listing cash
bonuses that he earned for any fiscal quarters prior to the termination of his employment; and (iv) we shall pay or reimburse him for
his and his covered dependents continued coverage under our group medical, dental and health plans during the applicable severance period.
The employment agreements with Messrs. Oviedo, Bell and Gill also contain a change of control provision whereby the executive’s
unvested restricted shares shall immediately vest if his employment is terminated without cause or for good reason within 12 months of
a change in control.  For purposes of these employment agreements, the term “change in control” is as defined in our
2022 Incentive Plan. The receipt of any severance by these executives is conditioned upon his execution of a broad release of claims.





Under our employment agreement with Mr. Valvano,
we may terminate the agreement at any time. If we terminate the agreement due to Mr. Valvano’s disability or death, we must pay
to him or his estate an amount equal to 3 months base salary, plus a prorated portion of any annual bonus to which he may have been entitled
on the last day of his actual employment. In addition, with respect to awards of any unvested restricted shares, the award shall be limited
to additional forward 12 months of vesting and restrictions (if such termination occurs on or after to the 2

nd

anniversary
of employment) or current year vesting and restrictions (if such termination occurs prior to the 2

nd

anniversary of employment).
If Mr. Valvano terminates the agreement for good reason, which includes a change of control, or we terminate for any reason other than
for cause, (i) we must pay all base salary earned but not yet paid, (ii) he shall be entitled to all other benefits accrued and currently
vested through the date of such termination in accordance with the applicable plans and programs, (iii) we must pay, as full damages
for termination, base salary for four months (if such termination occurs after the 1

st

anniversary but prior to the 2

nd

anniversary of employment) or base salary for six months (if such termination occurs after the 2

nd

anniversary of employment),
and (iv) we must continue his medical insurance, life insurance and disability coverage pursuant to any premiums that were in place prior
to termination, and, to the extent permitted under applicable policies, and will pay any fringe benefits which have accrued prior to
the date of termination. In addition, all forfeiture restrictions governing stock or options held by Mr. Valvano shall automatically
terminate and shall be vested and held free from forfeiture.






Other Change in Control Arrangements







The Investview, Inc. 2022 Incentive Plan under
which awards will be issued to our named executive officers and directors following the filing and effectiveness of an S-8 registration
statement contains “change in control” provisions. Under the 2022 Incentive Plan, without limiting the authority of the Board
or a committee delegated authority by the Board to adjust awards, if a “change in control” of the Company occurs, then, unless
otherwise provided in the award or other agreement, if an award is continued, assumed or substituted by the successor entity, the award
will not vest or lapse solely as a result of the change of control but will instead remain outstanding under the terms pursuant to which
it has been continued, assumed or substituted and will continue to vest or lapse pursuant to such terms.


















34
















Item
12. Security Ownership of Certain Beneficial Owners, Management and Related Stockholder Matters








The
following table sets forth certain information, as of May 13, 2022, respecting the beneficial ownership of our outstanding common
stock by: (i) any holder of more than 5%; (ii) each of the Named Executive Officers and directors; and (iii) our directors and Named
Executive Officers as a group, based on 2,711,108,823 shares of common stock outstanding as of May 13, 2022. Except as otherwise
indicated, each stockholder listed below has sole voting and investment power over the shares beneficially owned:



































































































































































































Name
of Beneficial Owner

(1)





Common Stock


Beneficially


Owned





Percentage of


Common Stock

(2)






Principal Stockholders:











DBR Capital,
LLC




575,428,571




17.51

%


MPower Trading Systems,
LLC




565,000,000




17.25

%


Brian
McMullen

(3)





290,000,000




10.70

%


Ryan
Smith

(4)(5)





213,687,355




7.88

%


Chad
Miller

(4)(6)





213,687,355




7.88

%


Wealth
Engineering, LLC

(7)





211,456,942




7.80

%


Joseph
Hagan

(8)





203,981,945




7.52

%


Directors and Officers:











David
B. Rothrock, Chairman

(9)





1,220,228,572




31.40

%


Victor M. Oviedo,
CEO and Director

(10)





80,000,000




2.87

%


James R. Bell,
President, Acting COO, and Director

(11)





100,320,000




3.62

%


Myles P. Gill,
Director of Operations

(12)





20,000,000




*



Ralph R. Valvano,
CFO




6,500,000





*




Jayme L. McWidener,
CAO




13,333,334





*






All
Officers and Directors as a group

(6 persons)

(9)(10)(11)(12)






1,440,381,906




35.60

%










































































*



Less
than 1%.



(1)



Except
as otherwise indicated, the address of each beneficial owner is c/o Investview Inc., 234 Industrial Way West, Ste., A202, Eatontown,
NJ 07724



(2)



Applicable
percentage ownership is based on 2,711,108,823 shares of common stock outstanding as of May 13, 2022, together with securities
exercisable or convertible into shares of common stock within 60 days of that date, for each stockholder.



(3)



Brian
McMullen (5348 Vegas Drive #1342, Las Vegas NV 89108) owns 90,000,000 shares through an entity he controls, plus 200,000,000 shares
owned personally.



(4)



CR
Capital Holdings, LLC (459 North 300 West, Unit 15, Kaysville, UT 84037) owns 57,374,710 shares of our common stock. Ryan Smith (1836
West Phillip Street, Kaysville, UT 84037) and Chad Miller (287 North Homestead Lane, Fruit Heights, UT 84037) each own 50% of CR
Capital Holdings LLC and, as a result, have voting and dispositive control of these shares.



(5)



In
addition to 50% of the 57,374,710 shares owned by CR Capital Holdings, LLC (for 28,637,355 shares beneficially owned), Ryan Smith
owns 185,000,000 shares personally.



(6)



In
addition to 50% of the 57,374,710 shares owned by CR Capital Holdings, LLC (for 28,637,355 shares beneficially owned), Chad Miller
owns 185,000,000 shares personally.



(7)



The
members of Wealth Engineering LLC, 745 Hope Road, Eatontown, NJ 07724, own 211,456,942 shares of our common stock. Our former officers
Mario Romano and Annette Raynor are two of its members. In addition, Mr. Romano is the CEO and Ms. Raynor serves as the COO of Wealth
Engineering LLC. Combined Mr. Romano and Ms. Raynor have voting and shared dispositive control of these shares.



(8)



Joseph
Hagan owns 203,981,945 shares through two entities he controls, plus 4,298,671 shares owned personally



(9)



David
B. Rothrock is deemed to be the beneficial owner of 471,428,572 shares issuable upon the conversion of Convertible Notes in
the amount of $3,300,000 issued to DBR Capital, LLC, because Mr. Rothrock is the sole owner of DBR Capital. Mr. Rothrock beneficially
owns 104,000,000 shares upon default of those notes. As the managing member of MPower Trading Systems, LLC and as part of the acquisition of MPower, Mr. Rothrock is also deemed the beneficial owner of 565,000,000 non-voting membership
interests in our wholly owned subsidiary IFGH, which are redeemable in the future. Mr. Rothrock owns 44,800,000 shares
personally. In addition, the Company has agreed to issue Mr. Rothrock 35,000,000 shares of restricted common stock pending the
effectiveness of a S-8 registration statement.


(10)

The company has agreed to issue Mr. Oviedo 20,000,000
and 60,000,000 shares of restricted common stock for his role as CEO and Director, respectively, pending the effectiveness of a S-8
registration statement.

(11)

The company has agreed to issue Mr. Bell 60,000,000
shares of restricted common stock for his role as President and Acting COO pending the effectiveness of a S-8 registration statement.

(12)

The company has agreed to issue Mr. Gill 20,000,000
shares of restricted common stock for his role as Director of Operations pending the effectiveness of a S-8 registration statement.













35


















No
director, executive officer, affiliate, or any owner of record or beneficial owner of more than 5% of any class of our voting securities
is a party adverse to us or has a material interest adverse to us.









Material
Agreement Regarding Stock Ownership









We
have entered into a Lock-Up agreement dated March 22, 2021 with all of our current and former officers, directors, and certain of our
significant shareholders, covering an aggregate of approximately 1,168,734,349 shares of our common stock. The Lock-Up agreement
will run through the earlier of April 25, 2025, the date we complete a liquidation, merger, stock exchange, or similar transaction resulting
in all our shareholders having the right to exchange their shares of common stock for cash, securities, or other property, or the date
we determine to release some or all of the shares of common stock from the Lock-Up Agreement. The Lock-Up Agreement does
provide for limited resale provisions if certain price per share and trading volume benchmarks are met.











Equity
Compensation Plans











The
following table summarizes the equity compensation plans under which our securities may be issued as of December 31, 2021:
































































































Plan Category





Number of






Securities
to be






Issued upon Exercise of






Outstanding Options,






Warrants and Rights






(a)









Weighted-Average






Exercise Price of






Outstanding Options,






Warrants and Rights






(b)









Number of Securities






Remaining Available






for Future Issuance under






Equity Compensation Plans






(excluding securities






reflected in column (a))






(c)















Equity compensation plans













approved by security holders
















Equity compensation plans not













approved by security holders













237,500,000










Item
13. Certain Relationships and Related Transactions, and Director Independence








Our
related party payables consisted of the following:












































































































































December 31, 2021



March 31, 2021


Convertible Promissory Note entered into on 4/27/20, net of debt discount of $1,082,147 as of December 31, 2021 [1]


$

239,521



$

120,318


Convertible Promissory Note entered into on 5/27/20, net of debt discount of $587,521 as of December 31, 2021 [2]



124,149




59,525


Convertible Promissory Note entered into on 11/9/20, net of debt discount of $1,143,519 as of December 31, 2021 [3]



198,187




53,414


Accounts payable – related party [4]



-




60,000


Notes for APEX lease buyback [5]



-




43,000


Promissory note entered into on 12/15/20, net of debt discount of $259,678 as of December 31, 2021 [6]



80,322




125,838


Convertible Promissory Note entered into on 3/30/21, net of debt discount of $1,131,417 as of December 31, 2021 [7]



476,670




4,459


Working Capital Promissory Note entered into on 3/22/21 [8]



1,200,607




-


Total related-party debt



2,319,456




466,554


Less: Current portion



(1,832,642

)



(233,258

)

Related-party debt, long term


$

486,814



$

233,296



















[1]



On
April 27, 2020 we received proceeds of $1,300,000 from DBR Capital, LLC, an entity controlled
by a member of our Board of Directors, and entered into a convertible promissory note. The
note is secured by shares held by officers and majority shareholders of the Company. The
note bears interest at 20% per annum, payable monthly, and the principal is due and payable
on April 27, 2030. Per the original terms of the agreement the note was convertible into
common stock at a conversion price of $0.01257 per share, which was amended on November 9,
2020 to reduce the conversion price to $0.007 per share. At inception we recorded a beneficial
conversion feature and debt discount of $1,300,000. During the year ended March 31, 2021
we recognized $120,318 of the debt discount into interest expense as well as expensed an
additional $241,225 of interest expense on the note, all of which was repaid during the period.
During the nine months ended December 31, 2021 we recognized $97,536 of the debt discount
into interest expense as well as expensed an additional $195,012 of interest expense on the
note, of which $173,344 was repaid during the period, leaving $21,668 of accrued interest
in the balance shown here.














36





















[2]



On
May 27, 2020 we received proceeds of $700,000 from DBR Capital, LLC, an entity controlled
by a member of our Board of Directors, and entered into a convertible promissory note. The
note is secured by shares held by officers and majority shareholders of the Company. The
note bears interest at 20% per annum, payable monthly, and the principal is due and payable
on April 27, 2030. Per the original terms of the agreement the note was convertible into
common stock at a conversion price of $0.01257 per share, which was amended on November 9,
2020 to reduce the conversion price to $0.007 per share. At inception we recorded a beneficial
conversion feature and debt discount of $700,000. During the year ended March 31, 2021 we
recognized $59,525 of the debt discount into interest expense as well as expensed an additional
$118,616 of interest expense on the note, all of which was repaid during the period. During
the nine months ended December 31, 2021 we recognized $52,954 of the debt discount into interest
expense as well as expensed an additional $105,003 of interest expense on the note, of which
$93,333 was repaid during the period, leaving $11,669 of accrued interest in the balance
shown here.















[3]



On
November 9, 2020 we received proceeds of $1,300,000 from DBR Capital, LLC, an entity controlled
by a member of our Board of Directors, and entered into a convertible promissory note. The
note is secured by shares held by officers and majority shareholders of the Company. The
note bears interest at 25% interest rate per annum and carries a facility fee of 13.5%
per annum, payable monthly beginning February 1, 2021, and the principal is due and payable
on April 27, 2030. Per the terms of the agreement the note is convertible into common stock
at a conversion price of $0.007 per share. At inception we recorded a beneficial conversion
feature and debt discount of $1,300,000. During the year ended March 31, 2021 we recognized
$53,414 of the debt discount into interest expense as well as expensed an additional $198,601
of interest expense on the note, all of which was repaid during the period. During the nine
months ended December 31, 2021 we recognized $103,067 of the debt discount into interest
expense as well as expensed an additional $375,372 of interest expense on the note, of which
$333,667 was repaid during the period, leaving $41,706 of accrued interest in the balance
shown here.















[4]



During
the year ended March 31, 2021 we repurchased 106,000,000 shares of our common stock from
CR Capital Holdings, LLC, a shareholder that, at the time, owned over 10% of our outstanding
stock, for $120,000. We agreed to pay $10,000 per month for twelve months for the
repurchase, therefore during the year ended March 31, 2021 we repaid $60,000 of the debt
and during the nine months ended December 31, 2021 we repaid $60,000 to pay the debt in full.















[5]



During
the year ended March 31, 2020 we sold 83 APEX units to related parties for proceeds of $182,720,
$100,000 of which was offset against short term advances that has been provided to us. Under
the same terms of all other APEX unit sales, the 83 units were to pay out $500 per month
for 60 months, resulting in a total amount to be repaid of $2,490,000. During the year ended
March 31, 2020 we made 238 lease payments to these related parties, or $119,000, reducing
the total amount to be repaid to $2,371,000 as of March 31, 2020. During the year ended March
31, 2021 we made $126,100 worth of lease payments to related parties. In September of 2020
we initiated the APEX buyback program and agreed to pay our related parties $237,720 in exchange
for all rights and obligations under the APEX lease. At the time of the buyback the liability
owed to related parties was $355,525, which was equal to a total liability of $2,244,900
offset by a contra-liability of $1,889,375, thus we recorded a gain on the extinguishment
of debt of $117,805 as contributed capital. After the buyback, during the year ended March
31, 2021 we repaid our related parties $112,720 in cash and extinguished $82,000 of the amount
owed with the issuance of BTC. During the nine months ended December 31, 2021 we repaid our
related parties $12,000 in cash and extinguished $31,000 of the amount owed with the issuance
of BTC to pay the debt in full.















[6]



On
December 15, 2020 we received proceeds of $154,000 from Wealth Engineering, an entity controlled
by members of our management team and Board of Directors, and entered into a promissory note
for $600,000. The term of the note requires monthly repayments of $20,000 per month for 30
months. At inception we recorded a debt discount of $446,000 representing the difference
between the cash received and the total amount to be repaid. During the year ended March
31, 2021 we recognized $51,838 of the debt discount into interest expense and made four monthly
repayments totaling $80,000. During the nine months ended December 31, 2021 we recognized
$134,485 of the debt discount into interest expense and made nine monthly repayments totaling
$180,000. Subsequent to December 31, 2021 we repaid this note in full.















[7]



Effective
March 30, 2021 we restructured a $1,000,000 promissory note with $200,000 of accrued interest,
along with a $350,000 short-term advance, with Joseph Cammarata, our then Chief Executive
Officer. The new note (the “Cammarata Note”) had a principal balance of
$1,550,000, was given a 5% interest rate, and was convertible at $0.02 per share. As a result
of the fixed conversion price we recorded a beneficial conversion feature and debt discount
of $1,550,000, which was equal to the face value of the note. During the year ended March
31, 2021 we recognized $4,247 of the debt discount into interest expense as well as expensed
$212 of interest expense on the new debt. Effective September 21, 2021 we entered into an
amendment to the Cammarata Note to extend the due date to September 30, 2022, allow
for partial conversions, and change the conversion price to $0.008 per share. As the terms
of the note changed substantially, we accounted for the amendment as an extinguishment and
new note. Through September 21, 2021 we recognized $738,904 of the initial debt discount
into interest expense, removed $806,849 of the remaining debt discount from the books, recorded
a beneficial conversion feature due to the fixed conversion price and a debt discount of
$1,550,000, which was equal to the face value of the amended note, and recorded a net $743,151
into additional paid in capital as a gain due to the extinguishment transaction being between
related parties and thus a capital transaction. From September 21, 2021, the date of the
amendment and through December 31, 2021 we recognized $418,583 of the $1,550,000 debt discount
into interest expense. Also, during the nine months ended December 31, 2021 we expensed $57,874
of interest expense on the debt, resulting in an accrued interest balance of $58,086 as of
December 31, 2021. During February 2022, we provided 30 days’ notice of our intent
to retire and repay the Cammarata Note in cash. Having not timely received a properly executed
conversion notice within the proscribed period, and citing certain other damages incurred
by us arising from Mr. Cammarata’s legal proceedings, on or about March 31, 2022, we
tendered to Mr. Cammarata cash payment in full for the Cammarata Note. As of the date of
this Report, Mr. Cammarata has not yet accepted our tender of the cash payment, and instead
has asserted his entitlement to exercise his right to convert the Cammarata Note into our
common shares. See “Part 1A. Risk Factors.”














37





























[8]



On
March 22, 2021, we entered into Securities Purchase Agreements to purchase 100% of
the operating assets of SSA Technologies LLC, an entity that owns and
operates a FINRA-registered broker-dealer. SSA is controlled and partially owned by Joseph
Cammarata, our former Chief Executive Officer. Commencing upon execution of the agreements
and through the closing of the transactions, we agreed to provide certain transition service
arrangements to SSA. In connection with the transactions, we entered into a Working Capital
Promissory Note with SSA under which SSA was to have advanced to us up to $1,500,000
before the end of 2021; however, SSA has only provided advances of $1,200,000 to date.
The note bears interest at the rate of 0.11% per annum therefore we recognized $607 worth
of interest expense on the loan during the nine months ended December 31, 2021. The note
was due and payable by January 31, 2022; however, has not yet been repaid as we consider
our legal options in light of SSA’s failure to complete its funding obligations. The
note was to have been secured by the pledge of 12,000,000 shares of our common stock; however,
it remains unsecured as the pledge of shares was not implemented at the closing of the loan








In
addition to the above related party debt transactions that were outstanding as of December 31, 2021 and March 31, 2021, during the nine
months ended December 31, 2021 we obtained a short-term advance of $100,000 from Wealth Engineering, an entity controlled by Mario Romano
and Annette Raynor, former members of our management team and Board of Directors, and repaid the amount in full.








In
addition to the above-mentioned related-party lending arrangements, during the year ended March 31, 2021 we sold cryptocurrency packages
to related parties for gross proceeds of $300,000, of which $100,000 was purchased by family members of Mario Romano, our former Director
of Finance and former director, $100,000 was purchased by The Financial University, LLC (“TFU”), an entity owned by the children
of Mario Romano, our former Director of Finance and former director, and Annette Raynor, our former Chief Operations Officer and former
director, and $100,000 was purchased by Gravitas Holdings, LLC (“Gravitas”), an entity owned by the spouse of Annette Raynor.
Also, during the year ended March 31, 2021, we paid related parties $916,125 worth of commissions on the sales of our products. Of the
$916,125 in commissions, $402,900 was paid to TFU, $259,728 was paid to Fidelis Funds, an entity owned by the spouse of Annette Raynor,
$196,796 was paid to Kays Creek, an entity owned by Ryan Smith and Chad Miller, our former founders, officers, and directors, $12,500
was paid to Ryan Smith, and $44,200 was paid to the children of Mario Romano and Annette Raynor.








In
addition to the above-mentioned related-party lending arrangements, during the nine months ended December 31, 2021 we sold cryptocurrency
packages to related parties for gross proceeds of $1,000 to Gravitas and we paid related parties $2,289,969 worth of commissions on the
sales of our products. Of the $2,289,969 in commissions, $1,750,860 was paid to TFU, $200,947 was paid to Fidelis Funds, $311,163 was
paid to Marketing Mavens, LLC, an entity owned by the spouse of Annette Raynor, and $27,000 was paid to the children of Mario Romano
and Annette Raynor. Also during the nine months ended December 31, 2021, we paid consulting fees to Wealth Engineering, LLC, an entity
owned by Mario Romano and Annette Raynor, of $245,450, and made dividend payments to the children of Mario Romano of $4,323. We also
paid expenses of MPower in the amounts of $251,405 and $197,523, respectively, under the terms of the Securities Purchase Agreement
entered into on March 22, 2021 and we closed on the acquisition of MPower’s net assets on September 3, 2021. We also recorded 59,999,999
shares as forfeited as a result of 1) our Chief Accounting Officer returning 6,666,666 shares to the Company prior to their vesting date
and 2) Joseph Cammarata, Mario Romano, and Annette Raynor, three former members of our management team and Board of Directors,
that resigned from their positions with the Company; thus losing their rights to 53,333,333 shares that were to have vested
upon the annual anniversaries of their award grant date, had they still been directors at such a date. As a result of the
forfeitures, we reversed previously recognized compensation cost of $163,982 during the nine months ended December 31, 2021. Also, during
the nine months ended December 31, 2021, 12,998,630 shares were surrendered by members of our then Board of Directors in exchange for
our agreement to cover $519,945 in tax withholdings.









April
2020 Convertible Note Financing Arrangement with DBR Capital, LLC











On
April 27, 2020, we entered into a Securities Purchase Agreement and related agreements with DBR Capital, LLC (“DBR Capital”),
a company wholly owned by David B. Rothrock, the Chairman of our Board of Directors. Under the Securities Purchase Agreement,
DBR Capital purchased a $1,300,000 convertible promissory note at closing and, subject to certain conditions, agreed to purchase additional
convertible promissory notes over four additional closings. On May 27, 2020 and November 9, 2020, we completed our second and third closings,
respectively, under the Securities Purchase Agreement. At the May 27, 2020 closing, DBR Capital purchased a $700,000 convertible secured
promissory note, which bears interest at 20% per annum, payable monthly, and the principal is due and payable on April 27, 2030. At the
November 9, 2020 closing, DBR Capital purchased a $1,300,000 convertible secured promissory note, which bears interest at 25% interest
rate per annum and carries a facility fee of 13.5% per annum, is payable monthly beginning February 1, 2021, and the principal
is due and payable on April 27, 2030. The convertible promissory notes are each convertible into our common stock at a conversion
price of $0.007 per share if certain benchmarks relating to the trading price and volume of the common stock are met and are secured
by the Guaranty and Collateral Agreement entered into between the parties as of May 15, 2020.







In addition to the first
three closings, DBR Capital has the right to purchase additional convertible promissory notes of $5.7 million at a fourth closing, and
$2.0 million at a fifth closing. Pursuant to a November 2021 amendment to the Securities Purchase Agreement, the deadlines for the fourth
and fifth closings were extended until December 31, 2022.








In
connection with such Securities Purchase Agreement and related agreements, Messrs. Rothrock and Bell were appointed as DBR Capital’s
designees to our Board of Directors. On November 9, 2020, the Securities Purchase Agreement and related transaction documents were amended
to, among other things, expand our Board of Directors to seven members, leaving two seats vacant, and to allow DBR Capital to fill those
vacancies and remove directors in the event of default under the transaction documents.


















38























DBR
Capital Marketing and Distribution Arrangements with Oneiro.









DBR
Capital LLC (“DBR Capital”), a company wholly owned by David B. Rothrock, has been an investor in Oneiro NA, Inc.
(“Oneiro”) since 2016, and currently serves as a worldwide marketing and distribution agent for Oneiro. In connection therewith,
DBR Capital is entitled to certain performance fees from Oneiro for worldwide sales of ndau introduced by DBR Capital,
including purchases by Investview or any affiliates of Investview. The performance fee is determined as a commission on sales, with a
floating range between 5% to 10% of sales, on aggregate sales ranging from $1 million to over $40 million. The performance fee is to
be paid in ndau coins. During the most recent year ended December 31, 2021, DBR Capital earned a performance fee in connection
with sales by Oneiro to Investview of approximately 77,000 ndau coins.








In
recognition of the recent reorganization of the executive management team and Board of Directors of Investview, and to avoid the appearance
of any potential conflicts of interest, DBR Capital has elected to: (i) effective as of April 1, 2022, contribute the 2021 performance
fee of 77,000 ndau coins to Investview for use in its business and to help support the existing purchasers of ndau in the discretion
of the Board of Directors, none of which have been sold or transferred; and (ii) for so long as Mr. Rothrock remains either an
executive officer or director of the Company, renounce and assign to the Company, for its discretionary use, its rights in and to any
further performance fees related to ndau sales by Oneiro to Investview or any of its affiliates to which it may be entitled
under its arrangements with Oneiro.











March
2021 Agreement to Acquire Assets of SSA Technologies











On
March 22, 2021, we entered into Securities Purchase Agreements to purchase a FINRA-registered broker-dealer and other operating assets
of SSA Technologies LLC, an entity controlled and partially owned by Joseph Cammarata, our former Chief Executive Officer. Pursuant to
these agreements, we agreed to acquire the SSA assets for the issuance of non-voting membership interests in


our
wholly owned subsidiary, Investview Financial Group Holdings, LLC (“IFGH”), which

are
in the future redeemable for 242,000,000 Investview common shares on a one-for-one basis. In connection with the closing under the agreements,
which has not yet occurred, the redeemable membership interests being issued to the SSA equity holders, as well as the resulting shares
of Investview common stock issued upon the exercise of such redemption rights, will be issued as shares of restricted securities issued
in reliance upon the exemption from registration provided by Section 4(a)(2) of the Securities Act of 1933, as amended. We have agreed
to file a registration statement with the Securities and Exchange Commission registering the resale of the shares issuable upon conversion
of the membership interests following the closing. The completion of the closing of the SSA transaction is subject to various closing
conditions, including obtaining FINRA approval to the change of control transaction, which we believe has been impeded due to

certain
complications relating to legal proceedings involving Mr. Cammarata in connection with his activities which were
unrelated to Investview and its businesses

.

If FINRA approval is

not
forthcoming, we are likely to abandon this acquisition and search for alternative acquisitions within the brokerage industry.








In
connection with such agreements, commencing upon execution of the agreements and through the closing of the transactions, we agreed to
provide certain transition service arrangements to SSA. In connection with the transactions, we entered into a Working Capital Promissory
Note with SSA under which SSA agreed to advance up to $1,500,000 before the end of 2021.











September
2021 Acquisition of Assets of MPower Trading Systems











On
March 22, 2021, we entered into Securities Purchase Agreement to acquire the

MPower Smart Trading Platform, as
well as the other

operating assets and intellectual property of MPower Trading
Systems LLC (“MPower”), a company controlled and partially owned by David B. Rothrock and James R. Bell, two of our board
members. MPower was the developer and owner of Prodigio, a proprietary software-based trading platform with applications within the brokerage
industry. In consideration for the acquisition of such assets, we agreed to issue


non-voting Class B membership interests in


our
wholly owned subsidiary, IFGH, which

are in the future redeemable for 565,000,000 Investview common
shares on a one-for-one basis (the “Class B Redeemable Units”); with the expectation to create a financial technology
and brokerage firm for active traders and investors. On September 3, 2021, we completed the acquisition of the operating assets and intellectual
property rights of MPower under the terms generally contained within the original Securities Purchase Agreement, as it was amended on
the closing date. The Class B Redeemable Units issued in the transaction are being held under and subject to a lock-up agreement.
We have agreed to file a registration statement with the Securities and Exchange Commission registering the resale of the shares issuable
upon redemption of the Class B Redeemable Units.









Messrs.
Bell and Rothrock, managers and principal equity holders of MPower, are also members of our Board of Directors. Following full disclosure
of their interest, the transaction was approved by the full Investview Board of Directors, including unanimous support by its independent
directors. The purchase price for the MPower assets was determined through negotiations with the Investview directors without a conflicting
interest in the transaction, and was based generally on the value of the

Class B Redeemable
Units exchanged in the transaction on the date of the original Securities Purchase Agreement

. In the transaction, DBR Capital,
LLC, an affiliate of David B. Rothrock, also retained a royalty-free right to use certain of the acquired assets for certain limited
non-competitive purposes.














39



















September
2021 Amendment to Convertible Note











On
September 21, 2021, the Company and its former Chief Executive Officer, Joseph Cammarata, agreed to amend the terms of a promissory note
held by Mr. Cammarata in the principal amount of $1,550,000. The due date on the note was extended from March 30, 2022, until September
30, 2022, the note was amended to allow for partial conversions, and the conversion price was changed from $0.02 per share to $0.008
per share. We provided notice to Mr. Cammarata of our planned prepayment of the note and do not believe he properly exercised conversion
of the note and we tendered payment to him.











Separation
and Release Agreements with Two Former Officers and Directors









On
January 6, 2022, we entered into Separation and Release Agreements (the “Separation Agreements”) with Mario Romano and Annette
Raynor, two of the Company’s founders, and Wealth Engineering, LLC, an affiliate of Mr. Romano and Ms. Raynor. Under the Separation
Agreements, Mr. Romano and Ms. Raynor agreed to resign their positions as officers and directors effective immediately as they each transitioned
to the roles of strategic advisors to the Company.








Under
the terms of the Separation Agreements, the parties agreed that all agreements between Investview and Mr. Romano, Ms. Raynor and Wealth
Engineering (other than the Lock-Up Agreement executed by Mr. Romano, Ms. Raynor, Wealth Engineering and the other parties thereto dated
March 22, 2021 (the “Lock-Up Agreement”)), were terminated in all respects. The Lock-Up Agreement will continue in full force
and effect until April 25, 2025, subject to certain modification by which Mr. Romano and Ms. Raynor agreed to hold certain shares of
our common stock until April 2025. Mr. Romano, Ms. Raynor, and Wealth Engineering also agreed to give DBR Capital LLC, on behalf of the
Company, an irrevocable proxy to vote all of the shares of our common stock owned, directly or beneficially, by them and certain of their
affiliates, in accordance with the direction of our Board of Directors, in its sole discretion.








The
Separation Agreements also provided for the surrender by each of Mr. Romano and Ms. Raynor of certain shares of our common stock to us
in general consideration for the covenants and agreements of the parties; the payment of the balance owed under a $600,000 promissory
note owed by us to Wealth Engineering; and the Company’s payment of $1,724,077.56 to the applicable federal and state taxing authorities
on behalf of Wealth Engineering as payment for the estimated federal and state taxes that Wealth Engineering may have been subject in
connection with the vesting of 63,333,333 Company restricted shares on July 22, 2021.








In
their roles as Strategic Advisors, Mr. Romano and Ms. Raynor are expected to provide us with advisory services and general assistance,
including assisting in general corporate and operational matters as may be assigned to them from time-to-time, as well as to assist and
cooperate in responding to inquiries of the SEC, FINRA or any other regulatory


The above information was disclosed in a filing to the SEC. To see the filing, click here.

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