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The model reaches break-even without relying on FX margins.
It excludes FX margins and additional financial revenue layers.
Break-even is achieved without them.
They represent pure upside.
Forecast Center
Public Disclosure
Deliberately capped contribution in the base-case forecast.
Not all signed agreements and prospective commercial partnerships are included in the base-case forecast.
Documented market benchmarks with additional conservative cost buffers and safety multipliers.
Downside-adjusted revenue assumptions across individual revenue streams.
Explicit assumptions for inactive customers, customer attrition, fraud losses, and additional risk provisions.
Detailed assumptions, supporting sources, and sensitivity analyses available under NDA.
Assumption
Diaspora Agreement-Based Acquisition
Distribution Expansion
Costs
Revenue
Retention & Risk
Methodology
Unit K€
Topics
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Y1
Y2
Y3
Y4
Y5
Gross Revenue
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2,550
65,246
134,001
248,544
405,273
Net Banking Income
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1,202
24,556
51,412
88,825
151,962
Direct Margin
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419
19,392
34,814
53,979
111,255
EBITDA
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(4,333)
5640
8,881
4,102
12,257
Revenue begins shortly after GoLive (month 6–7), with break-even targeted within ~12–13 months.
Key insights:
Revenue is driven by transaction frequency and cross-border flows, not just user growth.
Margins expand over time with infrastructure control (EMI transition)
EBITDA turns positive early due to controlled CAC and disciplined cost structure.
Downside protected. Upside embedded.
Profitability is achieved before full monetization is activated.
This model scales non-linearly with volume.
As transaction activity increases, revenue expands faster than costs due to:
fixed infrastructure base
increasing margin capture
improving unit economics over time
This is not a growth-dependent model.
It is a volume-driven infrastructure model with expanding margins.
This website is provided for informational purposes only and does not constitute an offer or solicitation to invest.
Access to the dataroom is subject to approval and may require execution of confidentiality agreements.
Arcadia International Holding AG / Zurich — in formation
Bankeaz is a product layer developed by Arcadia and operates through regulated financial partners.
Bankeaz does not provide banking services in its own name. Financial services are provided by licensed and regulated partner institutions, in accordance with applicable laws and regulations.
Copyright © 2026 - Arcadia | Bankeaz - All rights reserved
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Zurich - CH
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Full system. Full model. Full regulatory architecture.
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