Business Investment Opportunities

What we are: A multi-national currency cross-border payment system and neo-bank with no physical branches, offering real-time global settlement in multiple currencies. It serves as a UPI aggregator and collaborates with major banks, payment partners, and card brands. They use a secured token offering and provide multiple banking apps for seamless payments. A multi-national currency cross-border payment system enables real-time currency exchange and settlement for individuals and businesses across different countries. It offers instant currency conversion, and compliance with international regulations, and empowers users in global finance and trade. Business is yet to kick-start operations. Not required to be registered under SEBI. Revenue model for our multi-national currency cross-border payments system: 1. Transaction fees: Charge a small percentage or a flat fee on each transaction conducted through the platform. 2. Merchant services: Earn fees from businesses for payment processing, POS systems, and e-commerce integrations. 3. Subscription plans: Offer premium or subscription-based plans for individual users and businesses, providing added features for a fee. 4. Interchange fees: Earn a portion of the interchange fees paid by merchants' banks for processing card transactions. 5. Currency conversion fees: Charge fees or markups on foreign exchange rates for international transactions and currency conversion. 6. Lending and credit services: Offer lending and credit products, earning interest and fees. 7. Investment and wealth management: Provide investment and wealth management services, earning fees based on assets under management and transaction fees. 8. Data monetization: Analyze transaction data and user behaviour, monetizing data by selling aggregated and anonymized information to third parties. 9. Partnerships and affiliates: Earn referral fees or commissions through partnerships with other businesses. 10. API access fees: Offer APIs for integration and charge usage-based fees or licensing fees. 11. Cross-selling financial products: Cross-sell other financial products like insurance or prepaid cards, earning commissions or fees. 12. Ad revenue: Display advertisements within the platform and earn revenue from advertisers. Neo-bank. A neobank, or digital bank, is a fintech company that operates solely online or through mobile apps, lacking physical branches. Neobanks focus on enhancing customer experiences by leveraging technology to streamline operations, lower costs, and offer a wide range of financial services. They often target specific niches or customer segments and can collaborate with traditional financial institutions. Key characteristics include: - Online-only operation. - Technological emphasis on convenience and efficiency. - Services like savings accounts, payment processing, lending, and budgeting tools. - Accessibility, user-friendly interfaces. Revenue model for our neo-bank: 1. Net interest margin (NIM): Generate revenue by lending deposits held in customer accounts, earning interest on loans. 2. Lending services: Offer personal loans, consumer credit, or small business loans and earn revenue from interest rates and associated fees. 3. Deposit fees: Charge fees for specific services like overdraft protection, wire transfers, or expedited card replacement. 4. Subscription plans: Provide premium or subscription-based plans with added features for a fee. 5. Card issuance and usage fees: Earn fees from card issuance, usage fees, and foreign exchange fees. 6. Merchant services: Offer payment processing and POS solutions to businesses and charge fees. 7. Investment services: Offer investment products and earn revenue through trading commissions and asset management fees. 8. Currency conversion fees: Charge fees or apply a markup on foreign exchange rates. 9. Partner commissions: Earn commissions for facilitating partnerships with fintech companies. 10. Cross-selling financial products: Promote and sell other financial products and earn commissions or referral fees. 11. Data monetization: Analyze customer transaction data and provide insights to businesses, generating revenue. 12. Affiliate marketing: Participate in affiliate marketing programs and earn commissions for referrals. 13. Interchange fees: Earn a portion of the interchange fees paid by merchants for processing card transactions. 14. ATM access fees: Charge fees for ATM cash withdrawals at out-of-network ATMs.

What we are: A multi-national currency cross-border payment system and neo-bank with no physical branches, offering real-time global settlement in multiple currencies. It serves as a UPI aggregator and collaborates with major banks, payment partners, and card brands. They use a secured token offering and provide multiple banking apps for seamless payments. A multi-national currency cross-border payment system enables real-time currency exchange and settlement for individuals and businesses across different countries. It offers instant currency conversion, and compliance with international regulations, and empowers users in global finance and trade. Business is yet to kick-start operations. Not required to be registered under SEBI. Revenue model for our multi-national currency cross-border payments system: 1. Transaction fees: Charge a small percentage or a flat fee on each transaction conducted through the platform. 2. Merchant services: Earn fees from businesses for payment processing, POS systems, and e-commerce integrations. 3. Subscription plans: Offer premium or subscription-based plans for individual users and businesses, providing added features for a fee. 4. Interchange fees: Earn a portion of the interchange fees paid by merchants' banks for processing card transactions. 5. Currency conversion fees: Charge fees or markups on foreign exchange rates for international transactions and currency conversion. 6. Lending and credit services: Offer lending and credit products, earning interest and fees. 7. Investment and wealth management: Provide investment and wealth management services, earning fees based on assets under management and transaction fees. 8. Data monetization: Analyze transaction data and user behaviour, monetizing data by selling aggregated and anonymized information to third parties. 9. Partnerships and affiliates: Earn referral fees or commissions through partnerships with other businesses. 10. API access fees: Offer APIs for integration and charge usage-based fees or licensing fees. 11. Cross-selling financial products: Cross-sell other financial products like insurance or prepaid cards, earning commissions or fees. 12. Ad revenue: Display advertisements within the platform and earn revenue from advertisers. Neo-bank. A neobank, or digital bank, is a fintech company that operates solely online or through mobile apps, lacking physical branches. Neobanks focus on enhancing customer experiences by leveraging technology to streamline operations, lower costs, and offer a wide range of financial services. They often target specific niches or customer segments and can collaborate with traditional financial institutions. Key characteristics include: - Online-only operation. - Technological emphasis on convenience and efficiency. - Services like savings accounts, payment processing, lending, and budgeting tools. - Accessibility, user-friendly interfaces. Revenue model for our neo-bank: 1. Net interest margin (NIM): Generate revenue by lending deposits held in customer accounts, earning interest on loans. 2. Lending services: Offer personal loans, consumer credit, or small business loans and earn revenue from interest rates and associated fees. 3. Deposit fees: Charge fees for specific services like overdraft protection, wire transfers, or expedited card replacement. 4. Subscription plans: Provide premium or subscription-based plans with added features for a fee. 5. Card issuance and usage fees: Earn fees from card issuance, usage fees, and foreign exchange fees. 6. Merchant services: Offer payment processing and POS solutions to businesses and charge fees. 7. Investment services: Offer investment products and earn revenue through trading commissions and asset management fees. 8. Currency conversion fees: Charge fees or apply a markup on foreign exchange rates. 9. Partner commissions: Earn commissions for facilitating partnerships with fintech companies. 10. Cross-selling financial products: Promote and sell other financial products and earn commissions or referral fees. 11. Data monetization: Analyze customer transaction data and provide insights to businesses, generating revenue. 12. Affiliate marketing: Participate in affiliate marketing programs and earn commissions for referrals. 13. Interchange fees: Earn a portion of the interchange fees paid by merchants for processing card transactions. 14. ATM access fees: Charge fees for ATM cash withdrawals at out-of-network ATMs.

The promoter is a serial entrepreneur, safety & leadership trainer, author and public speaker with 30 years of experience in safety training, overseas education, real estate, retail industry, etc. The private limited company project is in Maloor, Pathanauram, Kollam district, Kerala. - The estimated cost of this project is INR 6 cr, including the cost of 1.15 acres of land, 2,500 sq ft supermarket and the proposed construction of 12,000 sq ft of building and other facilities. This facility will have a well-landscaped campus. The investors can benefit from the following: 1. Income from retirement home. 2. Income from in-house caregiving services. 3. Income from palliative care. 4. Income from guest house. 5. Income from the supermarket. 6. Income from fixed deposits to be collected from residents. In addition, investors will have rights to undivided shares (UDS) of 1.15 acres of land, a 2,500 sq ft supermarket and the proposed construction of 12,000 sq feet of building and other facilities. Supermarket is already operational and generating a monthly income of INR 10 lakh. 10% of the retirement home is constructed and needs funds to continue and finish the project. We are doing prefab construction so the construction will be completed soon.

The company has recently completed its registration process and is now fully operational. - Expected to serve a growing number of clients, currently having catered to 50 clients both locally and internationally, seeking luxurious travel experiences in the Maldives. - The revenue model primarily depends on the sale of luxury travel packages, high-end and accommodations generating income through bookings. - The hotels and resorts we have a tie-up with give us a 20% commission averaging $300 per booking. - Since we have only been operational for 1 month now, there is no reported revenue given. - The founders have extensive experience in the travel and hospitality industry, with one partner bringing 8 years of experience and the other 12 years, ensuring a strong foundation for business growth. - The business has established connections with 18 resorts, aiming to forge strategic partnerships with leading resorts, hotels, tour operators, and service providers in the Maldives to offer exclusive packages and experiences to clients. - Currently utilizing social media and advertisements to promote services throughout the Maldives. - The company caters to both low-end and high-end hotels, ensuring a broad market reach. - Although new, the company aspires to achieve awards and recognition for excellence in providing luxury travel experiences and contributing to the tourism industry in the Maldives. - In addition to 2 permanent employees, there are tour agents who are outsourced.

Snack manufacturing business specifically focuses on the production of mixed namkeens and related snacks. - Company is based in Janakpur and has a distribution network that covers clients within a 60-80 km radius of its operations currently. - With a team of 8 employees, the business serves approximately 400 retailers and wholesalers within its operational circumference. - The production capacity of the factory is approximately 250 kg of goods per hour, indicating a moderate scale of operations. - Company owns one brand, which is the primary offering in the market. - The founder of the business has prior experience in a snack-based company for three years before starting this venture, indicating industry knowledge and experience. - Business was operational for about 6 months in the previous year and is a relatively new venture with potential for growth and development. - We have about 2 head machine operators, 3 marketers and 3 drivers. - We have all the required licenses to function with.

The business is simple as it is a room rental activity mainly operating in spring and summer. Guests are from any country and they occupy the rooms from April to October. At the moment published on public websites; The owner actively manages the marketing activity every year. They got awards as Best Host on Airbnb and got three stars on Booking. com as a business.

Unisex salon and training academy located in Vijay Nagar which is a posh area of Indore. - The business has established a loyal customer base, with more than 110 regular clients. - The salon sees an average of 4-6 clients per day, with an average bill value is INR 500. - In addition to its salon services, the business offers beauty-related courses, with an average of 10 students per batch and 3 batches successfully completed to date. - The average course duration is 3 months, and the course fees range is INR 50,000 per student. - Majority of the revenue is from the salon services as it is a consistent channel. - The facility has 1 manicure/pedicure stations, 1 shampoo stations, 3 facial chairs, 2 facial/spa beds, 1 makeup room and 1 nail station. - Owners have over 12 years of experience in the salon business.