MobiBank® - Investor Brief
Series A - Investor Brief 2026
MobiBank ® · Helsinki, Finland

The world's first pre-installed banking ecosystem - where every device sold is a banking customer acquired, at zero CAC.

$85
Alpha 1 device
$21
Base income / device
3.6M
Units / year / line
$10M
Nigeria LOI
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3
The Model
Not a bank.

A banking ecosystem.

Unlike every fintech company that acquires users one by one through marketing spend, MobiBank® acquires users through pre-installed phones and global distribution - a growth model closer to Apple or Android than to a traditional bank.

$85 0 CAC 8 regions
01 - Hardware
The Alpha 1 device
A real $85 smartphone with banking at OS level. Proprietary financial OS. Dedicated secure element. Netless banking - transactions without a signal. Ships pre-installed worldwide.
02 - Distribution
Pre-installed. Zero CAC.
Agreement active for pre-installation on phones sold worldwide. Each device = banking customer at startup. No download. No marketing cost. No CAC. Immediate monetisation.
$
03 - Ecosystem
Recurring from day one
Payments + transfers + lending + microloans + crypto + assets + operator revenue. Every product active from first startup. Revenue compounds over the customer lifetime.
Revenue Per Device
Base net income - before recurring revenue
$21

Device margin $9 + MobiBank® app margin $12
This is the floor - before a single transaction is processed.

$9
$9
Net device margin per unit - hardware, production, distribution and operations included
$12
$12
MobiBank® app margin per device - pre-installation and ecosystem licensing
Plus recurring revenue per activated device
$21 base
Monthly service fee
Payment transactions
Transfers & remittance
Lending & microloans
Crypto & asset services
Partner commissions
Operator revenue share
3B
$420M $840M $3.0B 1 line $4.2B 500K 1M 3.6M 5M phones val.
Scale Scenarios
$3B

One production line.
One year.

3.6M units is the natural annual output of a single production line at capacity. At that scale, base net income alone implies a $3 billion valuation at P/E 40 - before any recurring revenue streams are counted.

Phones sold
Base net income
Est. valuation (P/E 40)
500,000
$10.5M
$420M
1,000,000
$21M
$840M
3,600,000
$75.6M
$3.0B
5,000,000
$105M
$4.2B

Base device + app margin only. Monthly fees, transaction revenue, lending, crypto and operator revenue not included. Real valuation potential significantly higher.

137M
Investor Upside
$137M

$1M investment.
Global scale case.

Entry at this stage gives simultaneous exposure to hardware scale, fintech scale, recurring revenue, global markets and ecosystem valuation. Very few companies in the market have this structure.

$13.7M $27.5M $1M in $137M global scale case
Scenario
Value per share
$1M investment
Growth case
$13.76
$13.7M
Expansion case
$27.53
$27.5M
Global scale case
$137.63
$137M
This leverage comes from combining
Fintech platform + recurring revenue
Hardware distribution at scale
Pre-installed ecosystem - zero CAC
8 global launch regions
Operator revenue partnerships
Multiple production lines
Production & Launch

Ready to scale.
Global from day one.

Production ready. Pre-installation agreement active. Eight global launch regions confirmed. Scaling limited only by manufacturing capacity.

Daily production
10K
phones per day per production line
Annual capacity
3.6M
units per year - multiple lines possible
Global launch regions - pre-installation agreement worldwide
8 regions simultaneously
Each device = ready-to-use banking customer at first startup. No download. No marketing cost. No CAC.
USA
Europe
Asia
India
Middle East
North America
South America
Entire Africa
Series A - Now Open

Tens of millions →
hundreds of millions → billions.

This is the phase where valuation moves. Pre-installation agreement signed. Production ready. Multi-continent launch confirmed. Selected investor positions open before full rollout.

Request allocation →
MobiBank® · Helsinki, Finland · mobibank.fi
Financial projections are forward-looking estimates based on internal modelling.
This document is for informational purposes only and does not constitute financial advice or a public offer to invest.
Certain statements on this page describe technologies, capabilities and commercial initiatives that remain under development, evaluation, negotiation or regulatory review, and related patent and intellectual property protection processes may be ongoing. These statements represent current objectives and should not be interpreted as confirmation of commercial availability, or as a guarantee of complete functionality, availability or coverage in all circumstances. Technical implementation details are confidential.

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