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NovaPay Inc. · Series A Pitch

The Future of
Instant Payments

Enabling real-time cross-border transactions for the next billion users.

Q4 2024 · Confidential

The Problem

Cross-border payments are
broken — and expensive

$150B is lost annually to fees, delays, and failed transactions in emerging markets.

3–5 days

Average settlement time for international wires

6.4%

Average fee on remittances under $200

1.4B

Adults worldwide without a bank account

Our Solution

Instant transfers,
near-zero fees

NovaPay uses a hybrid blockchain-fiat rail to settle payments in under 30 seconds at 0.1% cost.

⚡
Sub-30-second settlement globally
🔒
Bank-grade compliance & security
🌍
40+ countries, 15 currencies at launch
📱

App screenshot / product demo placeholder

How It Works

Three steps. Thirty seconds.

01

Send

User enters amount, selects recipient country and payout method.

02

Route

Our engine finds the optimal liquidity path across fiat and digital rails.

03

Arrive

Funds land in recipient's wallet, bank, or mobile money — in seconds.

Market Opportunity

A $180B+ addressable market

TAM — Global Remittances $180B
SAM — Emerging Markets $72B
SOM — Year 3 Target $2.4B

Key Tailwinds

  • 📈Remittance volume growing 8% YoY
  • 📱Mobile money adoption surging in Africa & SE Asia
  • 🏛️Regulatory frameworks maturing in 20+ markets
  • 💰UN mandate to reduce remittance costs to 3% by 2030
Traction

Proven product-market fit

48K

Monthly active users

$12M

Monthly volume processed

22%

MoM growth rate

4.8★

App Store rating

Growth Timeline

Q1 2024

Beta launch
2 corridors

Q2 2024

10K users
8 corridors

Q3 2024

30K users
B2B pilot

Q4 2024

48K users
Revenue $420K MRR

Business Model

Three revenue streams,
compounding network effects

💸

Transaction Fees

0.1–0.5% per transaction. Volume-driven, scales with network growth.

68% of revenue
🏗️

API / Platform

White-label payment rails for fintechs and neobanks. SaaS pricing.

22% of revenue
💱

FX Spread

Competitive FX margins that beat incumbents by 3–5x.

10% of revenue
Competitive Landscape

10x faster, 60x cheaper

NovaPay
Wise
Western Union
Banks
Speed
~30s
1–2 hrs
Minutes
3–5 days
Fee
0.1%
0.5–1.5%
5–10%
3–6%
Markets
40+
80+
200+
Varies
The Team

Built by operators, not observers

SK

Sarah Kim

CEO & Co-founder

Ex-Stripe, led payments expansion across LATAM. Stanford MBA.

JO

James Okonkwo

CTO & Co-founder

Former principal engineer at Ripple. Built real-time settlement systems.

ML

Maria Lopez

COO

Ex-TransferGo, scaled ops from 5 to 30 markets. Compliance expert.

Advisors from: Stripe a16z M-Pesa World Bank
The Ask

Raising $8M Series A

To expand to 80 corridors, launch B2B platform, and grow to 500K users by end of 2025.

Use of Funds

Engineering & Product45%
Market Expansion25%
Compliance & Legal15%
Operations15%

Key Milestones

  • H1 Launch B2B API, expand to 60 corridors
  • H2 200K users, $50M monthly volume
  • Y2 500K users, Series B at $100M+ valuation
Let's Talk → invest@novapay.io