Fully built fintech bank valued at €15M. Launch in 3 months with a €400k–€500k budget. Breakeven at 8–10k active users; margins strengthen to 40–60% at 20k+ users.
Months
to Launch
A complete breakdown of BinaxPay’s launch budget, operational cost structure, and customer acquisition roadmap for efficient, scalable market entry across the EU and Africa.
Total launch cost is estimated at €400K–€500K, covering all essential components including licensing, compliance, and integration processes. The structure enables a capital-light setup with minimal fixed infrastructure costs and high scalability across multiple markets.
After launch, BinaxPay requires an average monthly running cost of ~€30K for technical operations, infrastructure, and support. An additional €15K–€20K/month will be allocated to marketing and user acquisition during the first growth phase to reach scale targets efficiently.
Phase 1 (Month 1–3): Launch in EU with rebranded platform and core functionality. Phase 2 (Month 4–8): Expand to Africa through licensed partners in Nigeria and Kenya. Phase 3 (Month 9–12): Add cross-border payments, merchant gateway, and SME tools. Phase 4: Extend licensing and reach into MENA and CIS markets for broader scaling.
Our strategy combines affiliate, influencer, and partner-driven channels for low-cost customer growth. Key tactics include fintech and SME partnerships, targeted digital campaigns, referral programs, and in-app loyalty rewards. Focused on reaching 10K users within 3 months and 50K+ within the first year.
Years
Banking Strategy
BinaxPay is a fully developed fintech banking platform valued at €15M. For the new brand launch, only rebranding and integration with the EMI license holder are required, with a total investment of €400K–€500K (including license and integration). The platform is capital-light, focused on payments, cards, and credit — no deposit capital needed.
We are supported by a German partner with over 25 years of experience in international banking strategy and compliance. He oversees licensing, expansion, and regulatory approvals at no extra cost, provides continuous R&D guidance on banking innovation, and ensures access to institutional networks and an existing client pipeline.
Highlights: 3-month launch • €400K–€500K total investment • Capital-light operations • Licensing & compliance handled internally • Established institutional partner & client pipeline.
Current
Valuation
Launch
Budget
Months to
Market Launch
Breakeven
Active Users
Jump directly to the deck you need — Pitch or Valuation.
A structured plan detailing Berentix’s revenue engines, cost framework, launch budget, and growth roadmap for an efficient entry into the European and global fintech market.
SMEs, startups, and digital platforms demand smarter multi-currency banking, instant payments, and transparent cross-border transactions. Berentix serves this gap through AI-powered compliance, real-time FX, and partner-ready integrations for merchants, agencies, and e-commerce providers.
Revenue streams span: Cards (usage fees, FX spread), Business Accounts (subscriptions + per-transaction fees), Payment Gateway (merchant processing), Credit (interest + origination), and API integrations (setup & SLA). Capital-light architecture enables scaling without deposit capital.
Year 1: 10k–20k users generating €0.8–2.4M in revenue; breakeven near 8–10k actives. Year 2: 50k–100k users with strong recurring margins from gateway, cards, and credit. Year 3+: Expansion across the EU, MENA, and Africa, targeting valuations above €100M under bull scenarios.
Launch budget: €400K–€500K total, including license integration, compliance, and brand execution. Built to launch in 12 weeks, with follow-up expansion led by our senior European banking advisors. Customer acquisition focuses on partnerships, digital campaigns, and affiliate ecosystems to achieve 10K users within the first 3 months.
