Executive Summary

Lipaworld is a borderless financial platform empowering the African diaspora and underserved communities to earn, spend, and send money seamlessly across borders. Through a stablecoin-powered wallet, virtual USD account, and real-world marketplace, users can access essential goods and services like groceries, airtime, transport, and health products across Africa. We solve the pain of high remittance fees, poor access to USD, and limited utility for digital assets by integrating stablecoins with local merchant networks and a proprietary voucher system. Our go-to-market strategy focuses on the diaspora, freelancers, and B2B payouts, with early traction across Kenya, South Africa, and Zimbabwe. With over $3,000 in beta volume, a 200+ user waitlist, and B2B partners processing $1.5M+ in expected volumes, Lipaworld is poised to disrupt cross-border payments and build the financial rails of the future for emerging markets. Lipaworld is raising a $100K pre-seed investment from Seven Capital Ventures, a U.S.-based VC firm. The round is expected to close shortly, providing capital to support our public launch, go-to-market efforts, and marketplace scaling across key African corridors. Lipaworld is led by co-founders Jonathan Katende and Victor Bagu, both African immigrants with deep personal experience in the challenges of cross-border finance. Jonathan, CEO, brings over a decade of experience in growth, marketing, and fintech, having held leadership roles at Samsung, DiDi, Autodesk, and Talk360—where he helped scale user growth in Africa and raise $7M in seed funding. Victor Bagu, CTO, has a background in systems engineering and product development, with experience building scalable tech solutions for underserved markets. Together, they lead a diverse team of engineers, designers, and operators across Africa and the U.S. The team’s blend of lived experience, technical expertise, and market insight positions Lipaworld to serve the needs of immigrants, freelancers, and small businesses in Africa and the diaspora. Our mission-driven culture and global perspective are key to building a trusted, inclusive financial platform. Lipaworld is an early-stage fintech company currently in the pre-launch phase, with a focus on building strong unit economics and proof of product-market fit. Our monetization strategy is built around transaction fees, B2B partnerships, and margin capture on our closed-loop voucher system. Since inception, we’ve prioritized product readiness, ecosystem partnerships, and validating demand through targeted beta activity. Revenue & Traction: To date, we have generated over $3,000 in gross transaction volume through a controlled beta with 30+ early users. These transactions were primarily made through the Lipaworld marketplace, with customers purchasing airtime, groceries, and transport vouchers across Kenya, South Africa, Zimbabwe, and Uganda. Although revenue is currently below $600 in Monthly Recurring Revenue (MRR), we are seeing strong early signs of user stickiness and repeat usage. Our waitlist has grown organically to over 200 individuals, while our broader prospect database includes over 1,000 members of the African diaspora who have engaged with us through events, social media, and partnerships. We are preparing for a public launch in Q3 2025, which will significantly accelerate revenue growth and customer onboarding. B2B Growth: In parallel, we have begun onboarding business customers, including fintechs and payroll aggregators, who intend to use Lipaworld for bulk voucher disbursements and cross-border settlements. One fintech partner alone is expected to process over $1.5M in voucher volume in the coming year. These partnerships represent a scalable and recurring revenue stream, with margins ranging between 3–7% depending on volume and product category. Cost Structure: Our current burn rate is lean, with most of our technical development done by a part-time engineering team during Phase 1 of our build. A $50K initial capital injection has been allocated toward app development, stablecoin onramp/offramp integrations, and marketplace connectivity. Phase 2 of funding will be focused on go-to-market execution, float management, and team compensation over a 3-month sprint. Margins & Economics: Lipaworld operates on blended margins of 5–15%, depending on the transaction type: Digital marketplace (3–10% markup per item) Stablecoin wallet fees (0.5–1.5% per transaction in/out) B2B voucher disbursements (3–7% margin net of commissions) As volumes scale post-launch, we anticipate a significant improvement in contribution margin, driven by greater utilization of our voucher infrastructure and wallet services. Financial Outlook: By the end of 2025, we project to reach: $27,000 MRR 300 active paying users An average monthly basket size of $90 Over $1.5M in processed volume through B2B partners These figures will be supported by targeted customer acquisition campaigns, referral incentives, and continued product expansion into new markets. We are also working on additional revenue drivers, including a credit builder product, diaspora gift cards, and white-labeled solutions for NGOs and HR platforms. Conclusion: Lipaworld’s financial performance to date shows strong foundational traction, disciplined capital allocation, and multiple monetization levers. With a growing pipeline of users and partners, a closed-loop model that supports margin capture, and the upcoming close of our $100K round with Seven Capital Ventures, we are well-positioned to scale revenue sustainably while delivering meaningful impact to underserved communities.