ABCDEFGHIJKLMNOPQRSTUVWXY
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Mid caseMonth 1Month 2 Month 3Month 4Month 5Month 6Month 7Month 8Month 9Month 10Month 11Month 12Month 13Month 14Month 15Month 16Month 17Month 18Month 19Month 20Month 21Month 22Month 23Month 24
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Revenue
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Inputs
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Users 001,5001,7251,9842,2812,6243,0173,4703,9904,5895,2776,0686,9798,0259,22910,61412,20614,03616,14218,56321,34824,55028,232
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Transaction Volume $0$0$4,104,000$4,719,600$5,427,540$6,241,671$7,177,922$8,254,610$9,492,801$10,916,722$12,554,230$14,437,364$16,602,969$19,093,414$21,957,426$25,251,040$29,038,696$33,394,501$38,403,676$44,164,227$50,788,862$58,407,191$67,168,269$77,243,510
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Deposits Volume$0$0$1,500,000$1,725,000$1,983,750$2,281,313$2,623,509$3,017,036$3,469,591$3,990,030$4,588,534$5,276,814$6,068,337$6,978,587$8,025,375$9,229,181$10,613,559$12,205,592$14,036,431$16,141,896$18,563,180$21,347,657$24,549,806$28,232,277
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Swaps Volume (start at month 6)$0$0$0$0$0$342,197$393,526$452,555$520,439$598,504$688,280$791,522$910,250$1,046,788$1,203,806$1,384,377$1,592,034$1,830,839$2,105,465$2,421,284$2,784,477$3,202,149$3,682,471$4,234,842
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Revenues
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Interchange Revenue$0$0$34,884$40,117$46,134$53,054$61,012$70,164$80,689$92,792$106,711$122,718$141,125$162,294$186,638$214,634$246,829$283,853$326,431$375,396$431,705$496,461$570,930$656,570
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Deposit Revenue$0$0$625$719$827$951$1,093$1,257$1,446$1,663$1,912$2,199$2,528$2,908$3,344$3,845$4,422$5,086$5,849$6,726$7,735$8,895$10,229$11,763
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Swaps Revenue (start month 6)$0$0$0$0$0$1,711$1,968$2,263$2,602$2,993$3,441$3,958$4,551$5,234$6,019$6,922$7,960$9,154$10,527$12,106$13,922$16,011$18,412$21,174
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Total Revenues$0$0$35,509$40,835$46,961$55,716$64,073$73,684$84,737$97,447$112,064$128,874$148,205$170,436$196,001$225,401$259,211$298,093$342,807$394,228$453,362$521,367$599,572$689,507
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Costs
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Card Issuing
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Rewards Expense$0$0$17,442$20,058$23,067$26,527$30,506$35,082$40,344$46,396$53,355$61,359$70,563$81,147$93,319$107,317$123,414$141,927$163,216$187,698$215,853$248,231$285,465$328,285
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Issuer setup fee$25,000$0$0$0$0$0$0$0$0$0$0$0$0$0$0$0$0$0$0$0$0$0$0$0
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Issuer Fixed Costs$10,000$10,000$10,000$10,000$10,000$10,000$10,000$10,000$10,000$10,000$10,000$10,000$10,000$10,000$10,000$10,000$10,000$10,000$10,000$10,000$10,000$10,000$10,000$10,000
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Issuer Variable Costs (account fees)$0$0$300$345$397$456$525$603$694$798$918$1,055$1,214$1,396$1,605$1,846$2,123$2,441$2,807$3,228$3,713$4,270$4,910$5,646
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Issuing Cost (kyc, card, setup)$0$0$11,250$1,688$1,941$2,232$2,566$2,951$3,394$3,903$4,489$5,162$5,936$6,827$7,851$9,029$10,383$11,940$13,731$15,791$18,160$20,884$24,016$27,619
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Total Card Issuing costs$35,000$10,000$38,992$32,091$35,404$39,215$43,597$48,637$54,432$61,097$68,762$77,576$87,713$99,370$112,775$128,191$145,920$166,308$189,754$216,717$247,725$283,384$324,391$371,550
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Marketing & Brand
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Acquisition Costs0$0$22,500$3,375$3,881$4,463$5,133$5,903$6,788$7,807$8,978$10,324$11,873$13,654$15,702$18,057$20,766$23,881$27,463$31,582$36,319$41,767$48,032$55,237
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Operating
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Operations (administration, legal, finance, etc)$20,833$20,833$20,833$20,833$20,833$20,833$20,833$20,833$20,833$20,833$20,833$20,833$25,000$25,000$25,000$25,000$25,000$25,000$25,000$25,000$25,000$25,000$25,000$25,000
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Sales/Marketing$13,333$13,333$13,333$13,333$13,333$13,333$13,333$13,333$13,333$13,333$13,333$13,333$26,667$26,667$26,667$26,667$26,667$26,667$26,667$26,667$26,667$26,667$26,667$26,667
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Product$30,000$30,000$30,000$30,000$30,000$30,000$30,000$30,000$30,000$30,000$30,000$30,000$60,000$60,000$60,000$60,000$60,000$60,000$60,000$60,000$60,000$60,000$60,000$60,000
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Software licenses and hosting$1,500$1,500$1,500$1,500$1,500$3,000$3,000$3,000$3,000$3,000$3,000$3,000$6,000$6,000$6,000$6,000$6,000$12,000$12,000$12,000$12,000$12,000$12,000$12,000
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Total Operating Costs$65,667$65,667$65,667$65,667$65,667$67,167$67,167$67,167$67,167$67,167$67,167$67,167$117,667$117,667$117,667$117,667$117,667$123,667$123,667$123,667$123,667$123,667$123,667$123,667
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Total Costs$100,667$75,667$127,159$101,132$104,952$110,845$115,897$121,707$128,387$136,071$144,906$155,067$217,252$230,690$246,144$263,915$284,352$313,855$340,883$371,966$407,711$448,817$496,090$550,454
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PROFIT/LOSS-$100,667-$75,667-$91,650-$60,297-$57,992-$55,129-$51,824-$48,022-$43,651-$38,623-$32,842-$26,193-$69,047-$60,254-$50,142-$38,514-$25,141-$15,762$1,924$22,262$45,652$72,549$103,482$139,054
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