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Arcadia is building a cross-border financial infrastructure layer, delivered through a consumer-first product: Bankeaz.

The product is designed for people living between countries — not within a single national system.

Product

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• Cross-border financial infrastructure (not a neobank)

• Built for diaspora-driven distribution

• Multi-country ready from day one

• BaaS → EMI transition unlocking margin expansion

• Designed for high-volume cross-border transactions

• Designed to capture financial flows across diaspora corridors

Product Snapshot

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Traditional banking products are built for domestic use.

Bankeaz is designed for users who:

• live in one country and work in another

• send money across borders regularly

• manage finances across multiple currencies

• move between countries over time

The product is built around this reality.

This structure increases transaction frequency, cross-border usage, and long-term customer retention.

Designed for cross-border lives

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Bankeaz provides a unified experience across fragmented systems:

• a single account interface

• multi-country usability

• integrated currency conversion

• international transfers

• aggregation of external accounts

This removes the need to manage multiple banking relationships.

This increases share of wallet per user and reduces dependency on multiple financial providers.

One interface, multiple financial layers

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The product integrates several key components:

• Account infrastructure — user onboarding, KYC, account management

  → enables scalable onboarding

• Payments and transfers — domestic and international flows

  → directly generates transaction-based revenue

• FX layer — transparent currency conversion

  → captures margin on high-volume cross-border flows

• Card infrastructure — virtual and physical cards

  → generates interchange revenue

• Account aggregation — unified view of multiple accounts

  → increases retention and user stickiness

Core capabilities

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Bankeaz is not just a front-end application.

It is built on a core banking infrastructure designed to:

• support multi-country operations

• integrate with regulated partners (BaaS)

• transition toward direct infrastructure control (EMI)

This enables both flexibility and long-term independence.

This reduces dependency on third-party providers and improves unit economics over time.

Infrastructure-first architecture

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Unlike traditional neobanks, the product is not built country by country.

It is designed to operate across cross-border corridors:

• users moving between regions

• financial flows across currencies

• partnerships across multiple jurisdictions

This allows faster expansion without rebuilding the product for each market.

This reduces time-to-market and avoids rebuilding infrastructure for each new country.

Designed to scale across corridors

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The product is also the entry point for distribution.

Combined with diaspora networks, Bankeaz enables:

• direct access to targeted user segments

• faster onboarding

• lower acquisition costs

This replaces traditional CAC-heavy acquisition with pre-aggregated distribution, significantly lowering acquisition costs.

Product as a distribution layer

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• Built for cross-border use cases (not adapted)

• Distributed through diaspora networks (not CAC-driven)

• Infrastructure-driven margin expansion model

• Multi-country scalability from day one

Why this product wins

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• Core banking stack built and operational

• KYC, accounts, and transfers functional

• Infrastructure connected to BaaS environment

• Product validated in BaaS environment (sandbox and flows tested)

• Infrastructure ready for market launch

• Initial distribution agreements signed with diaspora partners covering large pre-aggregated user bases

Execution status

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The product follows a structured evolution:

• Phase 1 — BaaS-based infrastructure (launch and scale)

• Phase 2 — EMI licensing (control and margin expansion)

• Phase 3 — infrastructure ownership and multi-region expansion

Each phase increases control, margin, and regulatory independence.

Evolution path

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• Subscription plans (B-Free, B-Plus, B-Unique)

• Interchange revenue from card usage

• Transaction fees

• Aggregated data monetization

• Optional FX margin (non-core, upside)

The model is not dependent on FX margins, ensuring more predictable and resilient revenue streams.

Revenue model integration

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Bankeaz is not a neobank.
It is a scalable financial infrastructure designed for cross-border users.

Built to capture financial flows across countries.
Designed to scale through distribution, not acquisition.
Structured to improve margins and control over time.

Conclusion

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Request access to the round (Seed Round)

Access the full investment case, financial model, and supporting documentation.

Detailed regulatory roadmap and partnership structure available in the dataroom.

Access reserved for qualified investors.
Limited allocation available.

Priority access given to early, aligned investors.

Detailed materials available upon request or via the data room.

Select investors only · Subject to availability

Access granted after review · Dataroom access within 24–48h

Institutional-grade infrastructure. Consumer-scale distribution.

Limited allocation available for qualified investors