COMPANY OVERVIEW
The financial marketplace is a next-generation universal European platform that combines innovations in financial technology and digital assets. The platform operates in the following areas:
- A global financial marketplace featuring rankings and listings of liquidity providers, top-level traders, and licensed P2P crypto sellers
- Integration of fiat and digital assets
- Card processing and acquiring
- Cryptocurrency exchange and custody
- Opening bank accounts in Europe and the UK for individuals and businesses
Core technologies used:
- Artificial Intelligence
- Blockchain
- Integrated banking solutions
MARKET
Global financial market volume (2023) = $2.5 trillion
Forecasted growth 10–12%
Key market segments:
- Swift/Sepa payments for individuals and businesses
- Card payment processing for businesses
- Cryptocurrency exchange
- Cryptocurrency custody
- Selection of liquidity providers
- Selection of asset managers
- Selection of licensed exchange services
Current market challenges:
- Lack of seamless integration between traditional banking systems and digital assets
- Difficulty of quick investing for individuals without experience
How the project addresses these issues:
- AI-powered payment optimization
- A unified platform for managing fiat and digital assets with seamless interaction between bank accounts and blockchain
- Access to professional asset managers in the user’s region
- Ability to purchase securities or stocks in the user’s region
- Access to verified and licensed crypto providers in the user’s region
European market volumes
-
Digital Banking – $10.9 trillion, with forecasted growth of over 3% annually until 2032
-
Buy Now Pay Later (BNPL) – $190.2 billion, projected to grow to $354.3 billion by 2029
-
Insurance – $1.6 trillion by 2025
-
Investment Platforms & E-Brokerages – $13.5 billion, projected to grow to $32 billion by 2033 (CAGR 9%)
CONSUMERS
- iGaming – high transaction volumes and need for rapid payment processing
- Forex – instant payments, high security, and international support
- Crypto industry – integration with digital currencies and secure exchange
- E-commerce / Services – convenient payments for everyday purchases, support for SMEs, flexible payment solutions
- Technology & Innovation – support for startups and tech companies through fast payments
- Travel / HoReCa – multi-currency operations and simplified refunds
- Education & Culture – subscriptions and one-time payments for courses and events
- Charity – simple and transparent donation solutions
- Corporate clients – comprehensive payment solutions integrated with financial reporting
- Freelancers / Sole proprietors – low fees and convenient access to international payments
TEAM EXPERIENCE
- 10 years in the banking sector — deep understanding of banking processes, financial services, and regulation
- 7 years in payment systems — experience in integrating and optimizing payment solutions provides an advantage in building fast, secure, and user-friendly processes
- 7 years in currency and crypto exchange — extensive knowledge of fiat and crypto markets facilitates innovative solutions for multi-currency operations
- 5 years of technical development of the proprietary platform
COMPETITION
- Stripe (USA) – $357B/year
- Adyen (Netherlands) – $252B/year
- Klarna (Sweden) – $279B/year
- Trust Payments (UK) – $56B/year
- Wise (UK) – $120B/year
- Revolut (UK) – $157B/year
- DECTA (UK) – $7B/year
- TRANSACT (USA) – $13B/year
- Unlimit (Cyprus) – $800M/year
PRODUCT & ADVANTAGES
- Ready-to-use platform with a basic service package (BaaS solution)
- Licenses (BaaS solution) – MSB Canada, VASP crypto license, EMI agent partnership (Lithuania), Co-brand EMI partnership, EMI dealer partnership (Great Britain)
- Formed professional team
- Existing client base
- An extensive network of consumer and partner contacts in relevant niches, enabling an increase in current turnover and deal volume
INVESTMENT OPTIONS:
1) Investment to increase working capital
The company is ready to scale and onboard new clients. To expand operations, investment in working capital is required:
Investment amount: €6.38 million
Investment options:
- Direct funding: 50% of profit from each transaction
- Debt funding: 6% annual interest on the invested amount
- Average transaction margin: 1.1%
Current financial indicators: €5 million turnover/month
Projected financial indicators: €30 million turnover/month
2) Investment in obtaining own licenses and expanding platform functionality
The company is currently operating on a platform and under licenses, using BaaS solutions. The project aims to acquire its own licenses to increase operational margins.
Investment amount: €12.947 million
Budget allocation:
- Working capital (49%) – €6.38 million
- Company registration and licensing (20%) – €2.59 million
- Office and personnel (25%) – €3.24 million
- Operating expenses (6%) – €0.78 million
Investment period: 36 months
Investment options:
- Equity participation: 45% in the new company that will hold all licenses direct funding of working capital: 50% of profit from each transaction
Road Map for licensing (36 months):
- Company registration in Lithuania — considered the best jurisdiction for obtaining an EMI license due to regulatory transparency, European reputation, and established cooperation with Visa/MasterCard
- Opening an account in a national bank or financial institution within the EU
- Obtaining an EMI license to operate across the European market
- Obtaining Visa/MasterCard Principal Membership
- Opening a Low Risk registration with Visa/MasterCard
- Obtaining High Risk registration
Simultaneously with obtaining their own licenses, the investor begins receiving 50% of the profit from current deals starting from the first month (thanks to BaaS licenses), due to their investment in working capital.
Average transaction margin: 1.1%
Projected financial indicators:
- Expected average monthly turnover: €32 million
- Expected average monthly gross profit: €352,000
- Projected gross turnover over 36 months: €1.152 billion
- Projected gross profit over 36 months: €12.67 million
- Average profitability: 1.1%
