$500,000 PRE-SEED
SAFE · cap $6M · 20% discount · Singapore Pte Ltd
1,200
paying clients
Year 1 target
BankTON is not a bank or EMI. We are a Telegram-native technology front-end connecting clients to licensed partner banks (Airwallex, Wallester, BVNK). Client funds are always held at the bank. We earn a commission on every transaction. No financial licence. No credit risk. No custody of funds.
The Problem
950M users.
Zero banking.
01
Crypto with no exit
TON & stablecoins in Telegram — can't pay bills or withdraw to a bank account.
02
Apple/Google own NFC payments
Billions of daily tap-to-pay transactions. Telegram has zero presence at point of sale.
03
No global banking layer
The messenger has users & blockchain. Missing: a licensed bank as the connecting link.
The Solution
One tap.
Pay anywhere.
Client
SEA expat
→
BankTON
Telegram UI
→
Airwallex
Wallester · BVNK
Revenue share with partner on every transaction
💳
NFC Mastercard
Virtual + physical cards. Apple/Google Pay via MDES tokenisation.
🌍
SWIFT / PromptPay / SEPA
Transfers to 180+ countries. $10–20 commission per transfer.
3 Revenue Streams
01
Crypto-Fiat
0.4% of volume
$750 avg × 2–3/month
$72–108/client/yr
02
SWIFT transfers
$10–20/transfer
1–2 transfers/month
$180–360/client/yr
03
FX conversion
0.4% of volume
€500 avg × 3–5/month
$72–120/client/yr
Total ARPU / year
$390
Financial Projections
Year 2
$1.26M
4,500 clients
Year 3
$4.24M
12,000 clients
ICP: Russian-speaking expat aged 25–45 in TH/VN · TON wallet · needs EUR/USD + SWIFT
Technology Stack — No Licences Required
Live prototype
SunBank & Airwallex
SEPA · SWIFT · PromptPay · 30+ currencies · Virtual IBAN
Rails
InterCash & Wallester
Virtual + physical NFC Mastercard · Apple/Google Pay MDES
Cards
BVNK
USDT/TON ↔ EUR/USD · FCA-licensed · API-first
Crypto
Sumsub
Automated KYC/AML · FATF-compliant · Telegram Web SDK
KYC
Telegram TWA
React Mini App · TON Connect · initData auth · Bot push notifications
UI
Team
LEO
Leo
CEO & Founder
20 years in banking.
EU + SEA experience.
Product vision.
DAN
Dan
CTO
Full-stack architect.
Fintech + blockchain.
Google-level experience.
OB
Oliver Bramwell CFA
Co-founder
CEO PNB Banka.
13+ yrs RU/LV banking.
Risk management, Strategy.
Use of Funds — $500K
Marketing (CAC × 1,200)$125K
BaaS operations Year 1$75K
Legal (Singapore + SAFE)$50K
Infrastructure & buffer$30K
Runway: 22 months · burn $22K/month · Target: $21K MRR · 1,200 clients → seed $2–3M
12-Month Roadmap
Mth 1–2
BaaS Integration
SunBank & Airwallex · BVNK · InterCash & Wallester · Sumsub
Mth 3–4
Virtual Cards Live
KYC onboarding · 300 clients
Mth 5–8
NFC + Apple Pay
SEA delivery · 1,200 clients
Mth 9–12
Scale + Seed
$21K MRR · seed round $2–3M
Target markets:
Thailand — PromptPay + SWIFT
Vietnam — VND + SWIFT
TON ecosystem — crypto-fiat
Investment Terms
$500,000
SAFE · cap $6M · 20% discount at Series A
VehicleSAFE (YC)
Cap$6,000,000
Discount20%
EntitySingapore Pte
RegistrationACRA, SG
Seed target$2–3M · 12 mths
SAFE: no fixed valuation now. Investor protected by cap + discount. Clean cap table. 5-page document, fast close.
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CONFIDENTIAL