Dashboard
DemoPresentation mode
About
Licensed EU digital wallet with instant transfers, bill splitting, cashback, virtual/physical cards and savings vaults. Revenue from card interchange, FX markup (0.5%), float interest income, premium services (insurance, lounges), and merchant payment processing.
36-month forecast: ~24.4K users, $311K net income, LTV/CAC 28.3x. Heavy upfront investment ($1.5M) in KYC/AML, card issuing, and regulatory compliance. Organic/viral growth supplemented by paid acquisition.
Unit Economics
CAC
9 ₸
Weighted average Customer Acquisition Cost = total channel spend / total customers acquired
CPA
9 ₸
Cost per Client Acquisition
ARPU
24 ₸/mo.
Average Revenue Per User
ARPPU
24 ₸/mo.
Revenue per paying user (= ARPU, no free tier)
LTV
95 ₸
Customer Lifetime Value
LTV : CAC
10.2 x
Healthy ratio (≥3)
CAC Payback
0.4 mo.
Months to recover customer acquisition cost
Payback Period
Discounted project payback period
Yearly P&L
Year 1
-477K
416 clients
Year 2
-242K
1,416 clients
Year 3
-97K
2,104 clients
P&L Flows
Profit: -816,038 ₸
Sales Table
Year 1
Year 2
Year 3
Metric
M1
M2
M3
M4
M5
M6
M7
M8
M9
M10
M11
M12
M1
M2
M3
M4
M5
M6
M7
M8
M9
M10
M11
M12
M1
M2
M3
M4
M5
M6
M7
M8
M9
M10
M11
M12
Total
New Sales
–
–
–
–
–
–
76
248
338
394
454
537
643
681
761
858
980
975
970
970
970
970
970
970
970
970
970
970
970
970
970
970
970
970
970
970
24,405
Base at Start
–
–
–
–
–
–
–
76
324
661
1K
2K
2K
3K
3K
4K
5K
6K
7K
8K
9K
10K
11K
12K
13K
14K
15K
16K
17K
18K
19K
20K
21K
22K
22K
23K
23,442
Total Clients
–
–
–
–
–
–
76
324
661
1K
2K
2K
3K
3K
4K
5K
6K
7K
8K
9K
10K
11K
12K
13K
14K
15K
16K
17K
18K
19K
20K
21K
22K
22K
23K
24K
24,413
Active at Start
–
–
–
–
–
–
–
32
117
193
261
332
416
516
598
695
805
933
1K
1K
1K
1K
1K
1K
1K
1K
2K
2K
2K
2K
2K
2K
2K
2K
2K
2K
2,047
Churn
–
–
–
–
–
–
–
19
66
97
120
142
170
204
223
251
283
323
332
337
341
344
346
348
349
350
350
351
351
351
351
351
351
351
351
351
8,154
Active at End
–
–
–
–
–
–
32
117
193
261
332
416
516
598
695
805
933
1K
1K
1K
1K
1K
1K
1K
1K
2K
2K
2K
2K
2K
2K
2K
2K
2K
2K
2K
2,104
Expenses Table
Year 1
Year 2
Year 3
Expense Item
M1
M2
M3
M4
M5
M6
M7
M8
M9
M10
M11
M12
M1
M2
M3
M4
M5
M6
M7
M8
M9
M10
M11
M12
M1
M2
M3
M4
M5
M6
M7
M8
M9
M10
M11
M12
Total
Operational Expenses
5K
5K
5K
5K
5K
5K
6K
6K
6K
6K
7K
7K
7K
7K
7K
7K
7K
7K
7K
7K
7K
7K
7K
7K
7K
7K
7K
7K
7K
7K
7K
7K
7K
7K
8K
8K
239,504 ₸
Acquisition Channels
–
–
–
–
–
4K
8K
8K
8K
8K
8K
8K
8K
8K
8K
8K
8K
8K
8K
8K
8K
8K
8K
8K
8K
8K
8K
8K
8K
8K
8K
8K
8K
8K
8K
8K
228,500 ₸
Team Payroll
24K
24K
31K
37K
37K
40K
40K
40K
40K
40K
40K
40K
38K
38K
38K
38K
38K
38K
38K
38K
38K
38K
38K
38K
38K
38K
38K
38K
38K
38K
38K
38K
38K
38K
38K
38K
1,346,027 ₸
Fraud Losses
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
0 ₸
Total Expenses
29K
29K
36K
42K
42K
49K
54K
54K
54K
54K
54K
54K
52K
52K
52K
52K
52K
52K
52K
53K
53K
53K
53K
53K
53K
53K
53K
53K
53K
53K
53K
53K
53K
53K
53K
53K
1,814,031 ₸
Income Table
Year 1
Year 2
Year 3
Income Item
M1
M2
M3
M4
M5
M6
M7
M8
M9
M10
M11
M12
M1
M2
M3
M4
M5
M6
M7
M8
M9
M10
M11
M12
M1
M2
M3
M4
M5
M6
M7
M8
M9
M10
M11
M12
Total
Tariffs(262,026 ₸)
Product Sales
–
–
–
–
–
–
239
875
1K
2K
2K
3K
4K
4K
5K
6K
7K
8K
8K
9K
9K
10K
10K
11K
11K
11K
12K
12K
13K
13K
14K
14K
14K
15K
15K
16K
262,026 ₸
Additional Income(5 · 735,966 ₸)
Card Interchange Revenue
–
–
–
–
–
–
121
444
733
993
1K
2K
2K
2K
3K
3K
4K
4K
4K
4K
5K
5K
5K
5K
6K
6K
6K
6K
6K
7K
7K
7K
7K
8K
8K
8K
132,845 ₸
FX Markup Revenue (0.5% avg)
–
–
–
–
–
–
89
327
540
732
931
1K
1K
2K
2K
2K
3K
3K
3K
3K
3K
4K
4K
4K
4K
4K
4K
5K
5K
5K
5K
5K
5K
6K
6K
6K
97,886 ₸
Float Interest Income
–
–
–
–
–
–
–
–
10K
10K
10K
10K
10K
10K
10K
10K
10K
10K
10K
10K
10K
10K
10K
10K
10K
10K
10K
10K
10K
10K
10K
10K
10K
10K
10K
10K
280,000 ₸
Premium Services (Insurance, Lounges)
–
–
–
–
–
–
–
–
–
523
665
832
1K
1K
1K
2K
2K
2K
2K
2K
2K
3K
3K
3K
3K
3K
3K
3K
3K
4K
4K
4K
4K
4K
4K
4K
69,235 ₸
Merchant Payment Processing
–
–
–
–
–
–
–
–
–
–
6K
6K
6K
6K
6K
6K
6K
6K
6K
6K
6K
6K
6K
6K
6K
6K
6K
6K
6K
6K
6K
6K
6K
6K
6K
6K
156,000 ₸
Total Income
–
–
–
–
–
–
450
2K
13K
14K
21K
23K
24K
26K
27K
29K
31K
32K
34K
35K
36K
37K
38K
39K
40K
41K
42K
43K
43K
44K
45K
46K
47K
48K
49K
50K
997,992 ₸
Income & Expense Trends
- Balance
- Cumulative Profit
- Expenses
- Income
Acquisition Channels
- ASO & App Store
- Finance Influencers
- Google UAC
- Meta Ads
- Referral Program (€5 bonus)
- TikTok Ads
Sales Trends
- Active Clients
- Churn
- New Sales
- Total Clients
Yearly Forecast
| Metric | Year 1 | Year 2 | Year 3 |
|---|---|---|---|
| Sales | 2,047 | 10,718 | 11,640 |
| Active Clients | 416 | 1,416 | 2,104 |
| Income per Client | 55 ₸ | 27 ₸ | 24 ₸ |
| Total Income | 73,069 ₸ | 387,206 ₸ | 537,718 ₸ |
| Total Expenses | 549,816 ₸ | 629,302 ₸ | 634,913 ₸ |
| Partner Share | |||
| Net Income | -476,747 ₸ | -242,096 ₸ | -97,195 ₸ |
Average Monthly Turnover
| Metric | Year 1 | Year 2 | Year 3 |
|---|---|---|---|
| Sales | 171 | 893 | 970 |
| Active Clients | 113 | 1,011 | 1,790 |
Income Structure (Year 1)
Card Interchange Revenue5,136 ₸
FX Markup Revenue (0.5% avg)3,784 ₸
Float Interest Income40,000 ₸
Premium Services (Insurance, Lounges)2,020 ₸
Merchant Payment Processing12,000 ₸
Product Sales10,130 ₸
Total73,069 ₸
Expense Structure (Year 1)
Operational Expenses68,033 ₸
Acquisition Channels48,500 ₸
Team Payroll433,283 ₸
Fraud Losses
Total549,816 ₸
Results Summary
Total Sales
24K
2,104 active
Total Income
998K
Total Cost
1.8 M
Net Income
-816K