Request allocation Investor materials
MobiBank® - Series A · 2026
MOBIBANK · HELSINKI · FINLAND · 2026
Series A · Closes November 30

Global banking.
Owned infrastructure.
Nothing outsourced.

The world's first second-generation neobank. Proprietary device, proprietary financial OS, native offline transactions. Selected from 1,500 companies as one of Mastercard's Top 15 Most Innovative globally.

Pre-money
€271M
Gross margin
75.48%
2029 revenue
€120M
Alpha 1 · Live
MOBIBANK ALPHA 1
Hardware-Level Encryption
Mastercard Top 15 Most Innovative Wallenberg Family Shareholder Nigeria · $10M LOI Signed US Distribution Active Finnish Government Funded Nokia Heritage Team $85 Smartphone Pre-Install Offline-First Banking Mastercard Top 15 Most Innovative Wallenberg Family Shareholder Nigeria · $10M LOI Signed US Distribution Active Finnish Government Funded Nokia Heritage Team $85 Smartphone Pre-Install Offline-First Banking
The Infrastructure Moat

Every neobank rents the pipes.
We own them.

Revolut, Monzo, N26 process payments through Visa and Mastercard rails they don't own. They run on cloud infrastructure they don't control. When connectivity disappears, their entire model stops working - because the transaction logic isn't theirs. MobiBank owns every layer, end to end.

First-generation neobanks
Revolut · Monzo · N26 · Starling
  • ×Banking app on third-party hardware
  • ×Core banking licensed from SaaS providers
  • ×Payment rails rented from Visa, Mastercard
  • ×No offline transaction capability
  • ×Margin ceiling at 38–45%
Second-generation neobank
MobiBank®
  • ✓Proprietary Alpha 1 banking device
  • ✓Proprietary financial operating system
  • ✓Owned transaction processing infrastructure
  • ✓Native offline-first architecture
  • ✓Gross margin: 75.48%
Revenue Model

Five streams.
All owned.

Marginal cost per new user approaches zero because every layer of the stack is owned. At 970,000 users in 2029, blended margin exceeds 79%.

32%
Stream 01
Device Hardware

$27 margin per Alpha 1 at $85 entry. Distributed via MTN, Airtel, Orange globally.

92%
Stream 02
Subscription

$2–5 per user per month. 30+ integrated services. Lifetime capture.

85%
Stream 03
Transactions

FX, cross-border transfers, P2P payments within the owned ecosystem.

78%
Stream 04
Micro-credit

8–15% on harvest-cycle loans of $50–500. On-device crop yield underwriting.

95%
Stream 05
B2B licensing

Proprietary OS licensed to regional banks. Government subsidy disbursement contracts.

Total Addressable Market

$2.1 trillion.
Three markets nobody serves at once.

Market 01 · Unbanked
$380B
350M+ adults · Sub-Saharan Africa

No branches. No ATMs. No reliable internet. Current infrastructure cannot reach them. Alpha 1 can.

Market 02 · Offline World
$920B
1.4B people · Low-connectivity zones

Every app-only bank is structurally useless. MobiBank processes locally and syncs on reconnect. Cannot be replicated without hardware.

Market 03 · Over-served
$800B
HNWIs · Security-conscious

Europe, GCC, North America. Overexposed to app-layer security risk. Alpha 1 has no direct competitor.

Milestone Timeline

Every milestone hit.
One left.

2023
Finnish Government funding secured

Rare pre-revenue institutional funding. Business Finland confirmed.

Done
2024
Mastercard Top 15 Most Innovative - selected from 1,500

Pre-revenue validation rare in fintech. Public recognition globally.

Done
2024
US manufacturer distribution agreement

Factory pre-installation across USA, Africa, Middle East, Americas, India.

Done
2025
Wallenberg family secured as shareholder

Most influential Nordic banking family. Investor AB market cap $60B.

Done
2025
Nigeria $10M LOI · Africa beachhead

Full-scale LOI signed. $2.5M initial tranche deployed.

Done
Nov 30, 2026
Series A close · Market entry

€10M raise (€5M pre-signed). EMI/Banking licenses. Africa rollout Q3 2026. Valuation inflection.

Now
Window closes November 30, 2026

The last entry point
before rollout.

Production is ready. Distribution is signed. Nigeria is live. The valuation moves at market entry. This is the window before it does.

Pre-Money
€271M
Maximum Raise
€10M
Profitability
2027
IPO / M&A
2028–29

Series A Round Request of Access

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