Product and Ecosystem:
Fiat Infrastructure:
Multi-currency IBAN accounts (EUR) with full banking functionality.
Open Banking integrations with Yapily and Plaid, covering 99% of European banks.
Free payments and external account balance viewing directly in the app.
Virtual Mastercard cards (issuer: Quiqo, top-5 provider in the region), with physical cards planned for Q1 next year.
Crypto Infrastructure:
Non-custodial wallets — a key differentiator from most competitors.
Assets are stored with BitGo and Fireblocks, insured for hundreds of millions of USD → high trust and client protection.
Polish crypto license → legal operation across the EEA.
Off-ramp via Finteqia (EU leader, competitor to Checkout.com).
Onboarding and KYC:
KYC/KYB = 60 seconds: passport, selfie, and 3 questions.
Screening against 200+ sanctions lists + AML via Chainalysis.
Uses proprietary technology and Onfido verification.
Investments:
Stock trading (AAPL, PYPL, MCD, etc.)
Staking (up to 3% APR)*
Robo-adviser 4.0 (AI/ML)*
PFM (budgeting and analytics)*
Coming soon: loans, insurance, marketplace, tickets/bookings, loyalty programs.
Technology Architecture:
Modular platform: Mobile App (iOS/Android) + Backend Fin (CRM, BPM, Accounting).
SSO: Keycloak, CRM: Intercom, BPM: Camunda.
Partner Ecosystem:
Crypto: BitGo, Fireblocks, Kraken
Payments: Verestro, Fenige
Open Banking: Plaid, Yapily
The platform is designed from the ground up for scalability and *B2B integrations via API* (Fintech-as-a-Service model).
Priority markets:
UAE / Saudi Arabia
India, Indonesia, Malaysia, Thailand, Turkey
Target reach: 10M users at the first stage.
Open Banking enables fast EU market entry without needing a separate banking license.
Legal Structure:
Holding in ADGM (UAE) under English law — investment hub.
Poland — licensing and operational base.
Invanteq — trademarks and brand.
InvanIP — IP and software ownership.
Investments and Valuation:
Current round: $10M
Minimum ticket: $500K
Current valuation: $60M pre-money
Forecast valuation by 2029:
Pessimistic scenario: $200M
Optimistic scenario: $9.5B
Growth Drivers:
Expansion across EMEA + Asia
Rapid user growth through Open Banking
Unique non-custodial architecture
B2B API model as a second monetization arm
