Pre-Seed Round · 2026
Borderless money, an on-device AI accountant, and encrypted messaging — yours alone.
Opportunity
Immigrants pay steep fees for slow cross-border payments, while people in emerging economies watch local currencies erode savings — with no access to stable yield.
Our survey of 1200+ target users confirms the demand.
Solution
EU IBAN, debit card, and instant, fee-less transactions in USD & EUR.
Stable savings yield — up to 7% APY in USD and up to 5% APY in EUR.
A fully confidential AI assistant that analyzes, automates, and guides your money.
Product & Traction
Instant, borderless, and self-custodied. The blockchain backbone is invisible — users never need to think about it. Our MVP was validated with a 1200+ user group in Q4 2025. Most of the users were not familiar with Web3 — but had effortless experience navigating the app daily.
Total balance
Active card
•••• •••• •••• 4408
Holder
ALEX MORENO
Exp
••/••
CVV
•••
No FX fees worldwide · 1% cashback on travel
Recent
Received USDC
Transfer · 20609d
+$500.00
Sent to Anna
Friends · 20610d
−$80.00
Vault interest
Yield · 20610d
+$1.84
This is a demonstrative mock-up only.
Send money by phone number — settles in seconds, zero fees.
Put savings to work with a single tap; up to 7% APY; withdraw anytime without penalties.
No KYC to open an account — basic verification only to issue a card.
Fund an account or withdraw funds via bank transfer, Apple/Google pay or cash globally.
Hold and spend USD & EUR; auto-converted under the hood.
The Privacy Edge
Three things that make us unique — privacy designed into the architecture, not bolted on.
A confidential AI (on-device LLM) reads your statements, transfers and tax data on your phone. Reports and tax guidance are generated without your financial documents ever leaving the device.
Built on the SimpleX protocol — the first messenger with no user identifiers of any kind, quantum-resistant and end-to-end encryption. Request money and chat without sacrificing your privacy.
Self-custodied; open with no KYC — only basic verification when you order a physical card. You are in full control of your personal data.
Market & Competition
An ever-growing, traditionally underserved market — and we're the only ones solving it privately.
| Core focus | AI | On-device privacy | Encrypted msg | Serves | |
|---|---|---|---|---|---|
| Wise / Revolut | Fiat remittance | Minimal | No | No | Sender |
| Nexo / Ledn / Ready | Native yield | Minimal | No | No | Holder |
| kastelfinance | Yield + remittance | Concierge | Yes | Yes | Both |
TAM
€40B+
Global remittance fee & DeFi yield pools, annually
SAM
100M+
Users in emerging economies & key remittance corridors
SOM
500K+
Beachhead: EU → SE Asia / Eastern Europe corridors
Both sender and receiver win — we focus on low fees, flexible payment methods, and privacy by design.
Business Model & GTM
Diversified from day one and built on a gamified, low-cost acquisition engine.
Our primary driver: a transparent commission on the yield earned in user vaults.
Premium unlocks the debit card and the AI financial assistant; waived above ~$1K balance.
Standard fees on top-up, withdrawal and card transactions. In-app P2P stays free.
Curated deals on VPNs, eSIMs and travel, surfaced by the AI concierge.
Two interconnected user groups
B2B
Established immigrants in developed economies.
B2C
Gig-economy pros in emerging markets.
Unit economics
$1,400
B2B ARPU
$400
B2C ARPU
Gamified viral loop: 10% rev-share to referrers; free premium at 10+ invites.
Roadmap · The Ask · Financials
2025
Market research, beta testing, 1200+ users onboarded.
H1 2026
Finalize incorporation, secure a sublicense, pre-release the agentic AI, ready iOS.
H2 2026
Launch on sublicense: iOS live, scale users, card issuance (basic KYC).
Licensing path: launch fast on a third-party sublicense, then migrate to our own CASP license as we scale — directly increasing margins.
The Ask — $2,000,000 pre-seed (equity)
Delaware incorporation · 18-month model (Mar 2026 – Aug 2027)
Base case — Mid scenario
ARR at M18
$2.9M
AUM by M12
$15.6M
LTV
$9,882
CAC
$24
Gross margin
76.9%
Effective runway
47 mo
3 scenarios (low-mid-high) are modeled · every scenario gives 22+ months of runway.
Request Financial ModelTeam
Business Development
Attracted $100M+ in investments; strategic management of startups and developed companies.
Track record
Unfair advantages