Investor Dashboard
Key financial KPIs at a glance — % against revenues in QuickBooks-statement style.
Revenue Mix · % of Top Line
Cost Structure · % of Operating Cost
Use of Funds · % of $25M Raise
Problem & Solution
85% lower cost · 6-hour settlement vs SWIFT's 3-5 days
The Problem
MENA SME cross-border payments still rely on correspondent-banking SWIFT rails — 3–5 day settlement, 2.5–4% all-in cost, opaque FX, manual reconciliation. The region's $750B intra-MENA trade flow is taxed by infrastructure designed in the 1970s.
Our Solution
A fintech platform combining direct central-bank licenses in 6 markets, on-us settlement for in-network corridors, and orchestration for off-network. Result: 6-hour settlement, transparent FX, API-first integration with ERPs, all-in cost 0.4–0.6%.
Market Opportunity
$750B intra-MENA trade addressable today
Cross-border B2B payment TAM $230B by 2030 · MENA fastest-growing region (+18% CAGR)
FX spread (40bp blended) + per-transaction fee ($1.50 floor) + premium API tier ($5K/mo). Float income on settlement balances. ~70% take rate vs SWIFT cost stack.
Financial Statements · % vs Revenue
QuickBooks-style readout — every line shown as percentage of its parent total.
Revenue Mix
| Revenue Stream | % of Revenue | Share |
|---|---|---|
| FX Spread Revenue | 55.0% | 55% |
| Transaction Fees | 25.0% | 25% |
| Premium API Tier | 12.0% | 12% |
| Float Income | 8.0% | 8% |
| Total Revenue | 100.0% | 100% |
Cost Structure
| Cost Line | % of Cost | Share |
|---|---|---|
| Banking & Network Fees | 30.0% | 30% |
| Engineering & Product | 25.0% | 25% |
| Compliance & Risk | 18.0% | 18% |
| Sales & GTM | 15.0% | 15% |
| Cloud & Security | 7.0% | 7% |
| G&A | 5.0% | 5% |
| Total Operating Cost | 100.0% | 100% |
Use of Funds — $25M Raise
| Allocation | % of Raise | Share |
|---|---|---|
| Corridor Expansion (Asia · Africa) | 35.0% | 35% |
| Engineering & Product | 25.0% | 25% |
| Compliance & New Licenses | 20.0% | 20% |
| Working Capital / Float Cap | 15.0% | 15% |
| Brand & Sales | 5.0% | 5% |
| Total Use of Funds | 100.0% | 100% |
Traction & Proof Points
- $1.2B annualized payment volume · 2,400+ SME customers
- 6 central-bank licenses · 14 banking partners · 22 corridor pairs live
- 85% cost reduction vs SWIFT benchmark · 99.4% on-time settlement
Moat & Exit Strategy
Defensible Moat
6 hard-won central-bank licenses are a 24–36 month catch-up barrier. On-us settlement network compounds as more SMEs join — each new corridor lowers cost for existing customers. Direct ERP integrations create deep switching costs.
Exit Path
Strategic acquisition by a global card network (Visa, Mastercard) or super-app (Careem, Talabat parent) at 8–12x revenue, or IPO on regional exchange at $250M+ ARR within 5–7 years.
Key Risks
- Central-bank policy shifts requiring license re-negotiation
- Stablecoin disruption to traditional FX-spread model
- Float income volatility tied to interest-rate cycles