$656 billion in global remittances annually (World Bank 2023). We're digitizing community savings.
We modernize rotating savings circles while keeping funds with licensed payment partners.
Trusted, offline savings circles are moving online across diaspora communities.
Tech platform model with Stripe and licensed PSPs handling money movement.
Transparent rules, dispute flows, and verification to reduce default risk.
Designed for susus, tandas, chit funds, and other ROSCAs worldwide.
...on WhatsApp and spreadsheets. We're changing that.
40%+ use informal savings
$100B remittances (World Bank)
Strong chit fund tradition
$130B remittances (World Bank)
Tanda culture deeply rooted
$156B remittances (World Bank)
62M+ Hispanic, 4.6M African-born
High remittance senders
1.5% - 5% per payout based on tier
Monthly recurring revenue
Same-day payout fees
Payment protection revenue
Value-added services
vs $5-15 industry average
vs 40% for most apps
Blended ARPU
Software + payments
| 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% |
Up from 1B in 2010
Stripe, M-Pesa, Flutterwave
70% increase in mobile ROSCA
Driving savings demand
Kenya licensed Chamas in 2024
Diaspora seeking alternatives
Everything you need to evaluate SusuFlex as an investment opportunity
15-slide visual overview
Download PDF →2-page overview
Download PDF →Problem, solution, metrics at a glance
View Document →Architecture, stack & code quality
View Document →💡 Tip: Use your browser's print function (Ctrl/Cmd+P) to save documents as PDF
| 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% |
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
iOS, Android & Web from single codebase (Flutter)
Firebase backend scales automatically
End-to-end encryption, SOC 2 compliant infra
Modular architecture and automated testing
PCI-compliant payments
Policy-driven access controls and audit readiness
Built for cross-border communities
Clear, current, and transparent documentation for diligence.
We're not disrupting banks. We're digitizing trust.