Invest in the Future of
Community Finance
$899.7 billion in global remittances annually (World Bank, 2024). We're digitizing community savings.
Mission-aligned fintech with a clear compliance model
We modernize rotating savings circles while keeping funds with licensed payment partners.
Category tailwinds
Trusted, offline savings circles are moving online across diaspora communities.
Compliance-first
Tech platform model with Stripe and licensed PSPs handling money movement.
Built for trust
Transparent rules, dispute flows, and verification to reduce default risk.
Global DNA
Designed for susus, tandas, chit funds, and other ROSCAs worldwide.
Informal Savings Circles Are a Worldwide Tradition
...on WhatsApp and spreadsheets. We're changing that.
Global Reach, Local Trust
Africa
40%+ use informal savings
$100B remittances (World Bank)
Asia-Pacific
Strong chit fund tradition
$130B remittances (World Bank)
Latin America
Tanda culture deeply rooted
$156B remittances (World Bank)
US Diaspora
62M+ Hispanic, 4.6M African-born
High remittance senders
Multiple Revenue Streams
Platform Fees
1.5% - 5% per payout based on tier
- Free: 5%
- Starter: 3%
- Premium: 2%
- Business: 1.5%
Subscriptions
Monthly recurring revenue
- Starter: $4.99/mo
- Premium: $14.99/mo
- Business: $39.99/mo
Instant Transfers
Same-day payout fees
- 1% fee (min $0.50)
- Fast payout optionality
- Unit economics tracked in pilots
Late Fees
Payment protection revenue
- 5% late fee (max $25)
- 40% platform share
- 60% circle protection
Premium Features
Value-added services
- Advanced analytics
- API access
- White-label solutions
Highly Favorable Economics
Customer Acquisition
vs $5-15 industry average
Retention
vs 40% for most apps
Revenue/User
Blended ARPU
Gross Margin
Software + payments
5-Year Financial Model
| Year | Users | Revenue | Gross Margin |
|---|---|---|---|
| Year 1 | 50K | $500K | 85% |
| Year 2 | 500K | $5M | 85% |
| Year 3 | 2M | $20M | 85% |
| Year 4 | 10M | $100M | 85% |
| Year 5 | 25M | $250M | 85% |
Raising $500K via Reg CF
Important disclosure. This page is for informational purposes only and is not an offer to sell, or a solicitation of an offer to buy, any security. Any offering will be made solely through official channels, including a Form C filed with the U.S. Securities and Exchange Commission and made available on a registered funding portal. The securities have not been registered under the Securities Act of 1933 and will be subject to transfer restrictions; they are illiquid and involve a high degree of risk, including possible loss of your entire investment. Any statements about the future are forward-looking and are not guarantees of performance.
What Could Your Investment Be Worth?
See potential returns based on different future company valuations
Potential Returns at Future Valuations
| Future Valuation | Share Value | Your Shares Worth | Return Multiple | Profit |
|---|
Disclaimer: These are hypothetical scenarios for illustrative purposes only. Actual returns depend on future company performance and are not guaranteed. Startup investments carry significant risk, including the potential loss of your entire investment. Past performance is not indicative of future results.
The Perfect Storm
5.8B Smartphones
Up from 1B in 2010
Payment Rails Mature
Stripe, M-Pesa, Flutterwave
Post-COVID Digital Shift
Rising mobile-money & digital savings adoption
Inflation Crisis
Driving savings demand
Regulatory Clarity
Growing rails for compliant community finance
Remittance Pressure
Diaspora seeking alternatives
Investor Materials
Everything you need to evaluate SusuFlex as an investment opportunity
Investor Pitch Deck
Visual overview
View Deck →Executive Summary
Concise overview
View Summary →One-Pager
Problem, solution, metrics at a glance
View Document →Technical Due Diligence
Architecture, stack & code quality
View Document →Tip: Use your browser's print function (Ctrl/Cmd+P) to save documents as PDF
Growth Targets
| Metric | 6 Months | 12 Months | 24 Months |
|---|---|---|---|
| Monthly Active Users | 5,000 | 25,000 | 100,000 |
| Active Circles | 500 | 2,500 | 10,000 |
| Monthly Transaction Volume | $250K | $1.5M | $8M |
| Monthly Recurring Revenue | $5K | $30K | $150K |
| User Retention (30-day) | 60% | 70% | 75% |
Sustainable Growth Model
Organic and referral-led acquisition in beta
Retention and monetization benchmarks in progress
Goal: sustainable unit economics at scale
Community invitations drive low-cost growth
Built to Scale
Cross-Platform
iOS, Android & Web from single codebase (Flutter)
Cloud-Native
Firebase backend scales automatically
Bank-Grade Security
End-to-end encryption, SOC 2-aligned infrastructure
Production-grade codebase
Modular architecture and automated testing
Stripe Integration
PCI-compliant payments
Compliance tooling
Policy-driven access controls and audit readiness
Multi-currency ready
Built for cross-border communities
Investor-ready materials
Clear, current, and transparent documentation for diligence.
Let's Build the Future of Community Finance
We're not disrupting banks. We're digitizing trust.