BinaxPay Valuation Deck — Financial & Deep-Dive Overview

Fully developed fintech bank valued at €15M, ready for launch within 3 months with a lean €400K–€500K budget. Breakeven expected at 8–10K active users, scaling to €100M+ through cards, accounts, gateway, and credit services.

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EU-Compliance Ready

Capital-Light Growth Model

Valuation Growth Drivers

BinaxPay’s €15M current valuation reflects a fully built fintech bank and a capital-light model. These six drivers show how we multiply enterprise value and accelerate investor returns.

Current Valuation — €15M

Independent benchmark of our complete banking codebase, infrastructure, and licensing readiness — validating BinaxPay’s replacement cost and competitive moat.

Launch Budget — €400K–€500K

Covers licensing, compliance, and integrations. Capital-light setup minimizes dilution and enables fast, multi-market activation across the EU and Africa.

Time to Market — 3 Months

Rebrand + integrate in ~12 weeks. Faster execution reduces risk, pulls revenue forward, and increases valuation certainty.

Breakeven — 8K–10K Users

Strong unit economics with diversified revenue (cards, accounts, gateway, credit) drive early profitability and durable margins.

Scalability — €100M+ Potential

At 100K users, enterprise value expands beyond €100M via high-margin payment flows, global cards, SME accounts, and lending.

Exit Pathways

Multiple liquidity options — IPO, strategic acquisition, or structured buyback — designed to maximize returns and reduce exit risk.

Partner with Our Trusted Banking Strategists

BinaxPay is a fully developed fintech banking platform valued at €15M. For the new brand launch, only rebranding and integration with the EMI license holder are required, with a total investment of €400K–€500K including license and integration. The platform is capital-light, focused on payments, cards, and credit — no deposit capital needed.

We are supported by a German partner with over 25 years of experience in international banking strategy and compliance. He oversees licensing, expansion, and regulatory approvals at no extra cost, provides ongoing R&D guidance, and ensures access to institutional networks and a verified client pipeline.

Highlights: 3-month launch • €400K–€500K total investment • Capital-light operations • Licensing & compliance handled internally • Established institutional partner & client pipeline.

Why Our Mission Is To Build Long-Term Value For Investors

BinaxPay operates as a capital-light fintech bank focused on sustainable, high-margin growth. Our mission is to generate long-term investor value through efficient market entry, early breakeven, and diversified revenue models across cards, payments, and credit.

Strong Foundation

Backed by an independent €15M valuation and a fully developed platform, BinaxPay is built, tested, and ready for integration with an EMI license — ensuring investors enter with proven infrastructure and minimal execution risk.

Capital Efficiency

Launch-ready with just €400K–€500K total investment, including license and compliance. Breakeven expected at 8K–10K users, supported by a monthly operating cost of ~€30K and scalable marketing to accelerate growth.

Future Scalability

Growth to 100K+ users unlocks a €100M+ valuation potential. With multi-market expansion across the EU, Africa, and MENA, investors gain exposure to multiple exit opportunities — IPO, acquisition, or structured buyback.

Featured Case Studies

Explore selected milestones that highlight BinaxPay’s execution excellence, speed to market, and capital efficiency. Each case study demonstrates how our platform achieves measurable results, driving valuation growth and sustainable investor returns.

Fintech Bank Launch – EU Market

Delivered a complete fintech banking system valued at €15M within 12 weeks. Integrated with EMI license partner, enabling a capital-light go-live with only €400K–€500K total investment and immediate scalability across the EU.

Market Expansion – Africa

Expanded operations into Nigeria and Kenya through licensed partners, increasing cross-border transaction volumes by 60% and establishing recurring revenue streams from payment gateway and SME onboarding fees.

AI-Driven Credit Infrastructure

Deployed AI-based risk and credit modeling tools for SMEs, improving lending accuracy and reducing non-performing exposure by 30%. Generated stable margins and improved investor ROI.

Investor Exit Strategy – €100M+ Valuation Target

Structured clear investor exits via IPO, strategic acquisition, or equity buyback. BinaxPay’s multi-market expansion model projects valuations exceeding €100M under active scaling across EU, MENA, and Africa.

Key Investor Highlights

⭐ €15M Current Valuation — Fully built and independently benchmarked fintech banking platform, offering investors immediate entry into a proven, license-ready financial infrastructure.

⭐ Capital-Light Model — Launch-ready with only €400K–€500K including licensing, compliance, and integrations. A fraction of traditional fintech costs ensures faster ROI and minimal dilution.

⭐ 3-Month Go-Live Timeline — Launch within 12 weeks through rebranding and integration with EMI partners. Early revenue generation and scalability across EU and Africa markets.

⭐ Early Breakeven & Scalability — Breakeven at 8K–10K users with €100M+ valuation potential at scale. Sustainable growth through cards, accounts, gateway, and credit.

⭐ Experienced Leadership — Supported by a German banking strategist with over 25 years of experience in compliance, licensing, and expansion — ensuring long-term investor confidence and stability.

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