We're raising $10M PRE-SEED. Here's exactly what you get.

A $1.2T market. A proven team. A platform that doesn't exist yet in three of the world's fastest-growing economies. Pre-seed equity at a $25M pre-money valuation — with earlybird terms for those who move first.
$10M
Pre-Seed Raise
$25M
Pre-Money
$35M
Post-Money
Capital Raise

Deal terms at a glance.

INVESTOR ENTITY
BVI HoldCo
100% owner of RAK OpCo. Clean cap table — pure equity. No token. No complications.
STRUCTURE
SAFE + Extensions
Multiple caps. One rolling round. Earlybird $18–20M cap → Standard $25M cap.
TIMELINE
Full Close Q2 2026
First close $3.5M — immediate. Credit engine launches same quarter.
RAISING — PRE-SEED
$10M
Pre-Seed Equity Round
PRE-MONEY VALUATION
$25M
Post-money $35M
RAISING — PRE-SEED
SAFE
With extensions / multiple caps
FIRST CLOSE TARGET
$3.5M
Immediate — in progress
EARLYBID CAP
$18–20M
For early investors
STANDARD CAP
$25M
One rolling round
$10M Allocation

Where every dollar goes.

Credit Engine + Crypto Suite
40%
Build & launch core payment infrastructure and crypto rails
Licenses + 3-Market GTM
30%
Build & launch core payment infrastructure and crypto rails
Whistleblower AI
20%
Build & launch core payment infrastructure and crypto rails
Team + Operations
10%
Build & launch core payment infrastructure and crypto rails
Credit Engine + Crypto Suite
40%
Licenses + 3-Market GTM
30%
Whistleblower AI
20%
Team + Operations
10%
Allocation prioritises revenue-generating infrastructure first — credit engine and crypto suite — to reach early revenue in Q3 2026.
Execution Plan

Milestones & timeline.

Q2 2026
First Close + Public Launch
$3.5M first close secured
Credit engine public launch
GCC beta users onboarded
Q3–Q4 2026
Early Revenue Momentum
First paying customers live
Transaction volume scaling
India + Africa GTM activation
2027
Series A
Raise growth capital
Scale across all three markets
Whistleblower AI adoption scaling
2028
$450M GMV Target
SOM capture milestone
Full three-pillar platform
Series B or strategic acquisition
Q2 2026
First Close + Public Launch
$3.5M first close secured
Credit engine public launch
GCC beta users onboarded
Q3–Q4 2026
Early Revenue Momentum
First paying customers live
Transaction volume scaling
India + Africa GTM activation
2027
Series A
Raise growth capital
Scale across all three markets
Whistleblower AI adoption scaling
2028
$450M GMV Target
SOM capture milestone
Full three-pillar platform
Series B or strategic acquisition
Market Context

Comparable valuations.

ACQUIRED BY STRIPE
Bridge
$1B
Stablecoin infrastructure — developer-only
IPO VALUATION
Circle
$44B
USDC issuer — no SME product layer
EST. CURRENT VALUATION
Karta.io
$50–100M
Closest competitor — B2B only, no AI layer
ABSOLUTEPAY — SEED TARGET VALUATION
$10M
pre-seed
$50–500M
Exit target
5–25×
Return Potential

Three scenarios.

CONSERVATIVE
Acquisition at $50M+ by Month 24
BASE CASE
10×
Acquisition at $100M+ or Series B at $50M+ valuation
BULL CASE
25×+
Scale to $500M+ valuation — IPO path 2028
The Investment Case

Four reasons this is the moment.

Inflection-point timing
Stablecoin market at $265B+. Credit card adoption exploding across GCC, India & Africa. AI agents now production-ready.
Infrastructure already live
AbsolutePay launches on Biptap's proven $120M+/month platform. Zero platform build risk in the thesis.
No dominant competitor
Three high-growth markets. Zero player combining credit enablement, crypto rails, and AI ops in a single platform.
Team assembled pre-raise
Two Forbes 40 Under 40 founders. Oxford/Magic Circle legal. Sovereign partnerships already signed.
The ground floor is open — for now.

The market is ready.
The team is proven.
The round is now.

A $1.2T market across three high-growth economies. A platform with no dominant competitor. Pre-seed equity with earlybird terms — and a team that has already delivered at this level before.
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