From Financial Assistant to Financial Services Platform. Built to scale.
18 months. A complete product, brand, organization, and embedded finance partnerships built efficiently. Now raising to scale revenue, activate embedded finance, and accelerate global adoption.
AT A GLANCE
Series A Round - Product Built - Embedded Finance Ready - Indonesia-born - Globally Live - Collaborative Finance
Money moves everywhere. Managing it lives nowhere.
Individuals, families, and SMEs juggle disconnected apps, spreadsheets, chats, and bank accounts and the people who share that money never see the same picture.
Fragmented tools
Banking, payments, budgeting, invoicing, and bookkeeping live in separate systems.
No collaborative capability
Shared finances are managed through chats, screenshots, spreadsheets, and manual coordination.
No unified platform for real clarity
People cannot fully understand, manage, or optimize their money across all accounts and activities.
iO unifies how people manage money IN and OUT
One platform that captures every flow IN and OUT for people and businesses with collaboration, AI, and embedded finance built in.
We built the foundation. Now we scale.
Using lean capital, we built a complete platform, scalable tech, activated monetisation, established financial partnerships and integrations, and prepared iO for global scale.
Product & Platform
Mobile app, web platform, AI assistant, and full business operating suite.
Brand & Design
Brand identity, the iO mark, product design system, and globally scalable user experience.
Organization
3+ person team, operating infrastructure, and proven execution capability across every function.
Monetization
Subscriptions, transaction and commission revenue, and FPaaS monetisation paths in place.
Embedded Finance
FSI integration capability, linked pockets, and embedded finance services already live.
Global Rollout
Global-ready platform with users across multiple countries, 20+ languages, and 170+ currencies.
18 months. Lean capital . Complete platform.
Bootstrap and seed funding only efficiency is in our DNA.
Product built. Revenue engine ready.
We de-risk product execution before raising growth capital. Now we scale revenue, embedded finance, and global adoption.
Born 10 January 2025
- Company incorporated
- Brand & product vision established
- Core platform architecture designed
- Development team assembled
- Product development initiated
Live & Global
- Google Play Store launch
- Apple App Store launch
- Subscriptions monetisation activated
- Global rollout enabled
- 20+ languages & 170+ currencies
- Early market validation
MVP, AI & Embedded Finance Live
- MVP completed
- AI-powered Financial Assistant launched
- Embedded finance infrastructure completed
- Payment, wallet & banking partnerships started
- B2B monetisation path activated
Scale Everything
- Revenue growth acceleration
- Embedded finance rollout
- Global market expansion
- Strategic B2B partnerships
- Financial services monetisation
- All-driven activation & retention
Born 10 January 2025
- Company incorporated
- Brand & product vision established
- Core platform architecture designed
- Development team assembled
- Product development initiated
Live & Global
- Google Play Store launch
- Apple App Store launch
- Subscriptions monetisation activated
- Global rollout enabled
- 20+ languages & 170+ currencies
- Early market validation
MVP, AI & Embedded Finance Live
- MVP completed
- AI-powered Financial Assistant launched
- Embedded finance infrastructure completed
- Payment, wallet & banking partnerships started
- B2B monetisation path activated
Scale Everything
- Revenue growth acceleration
- Embedded finance rollout
- Global market expansion
- Strategic B2B partnerships
- Financial services monetisation
- All-driven activation & retention
Funding Stages
Real users. Real businesses. Real commitment.
From individual to families businesses personal, household, and collaborative use cases proven across Indonesia and global markets.
R. Accessories Retail
Accessories retail business owner, Joined iO in 2025 and grew from solo founder to an 8+ contributor collaborative sales workspace, then secured his subscription through 2029.
Z. & I. Husband & Wife
Husband and wife. Joined together in August 2025 and have both actively managed household finances through a shared Family Pocket for nearly a year.
RR. Xpert Car Detailing
Car detailing business. Joined Apr 6, 2026. Upgrade to PRO in 2 weeks. Expanded from solo to 5 user collaborative workspace with natural role specialization.
SW. Long Term Personal User
Joined July 2025. Nearly a year of continuous activity, with stable usage that increased over time, averaging 100+ transactions per month.
Four users. Four cases. One thesis prove.
Personal habitat, Family collaboration, Business workflow, M+ year-year commitment. The same platform working across, relationships, and borders.
Four revenue engines. One platform.
Subscription, platform, transaction, and embedded finance revenue are multiple paths to monetisation as adoption scales. The platform is already monetisation-ready.
Subscriptions
Individual, Family, and SME plans with premium features and collaboration capabilities.
B2B Business Package
Workflow, operations, and collaboration tools for SMEs and organizations.
Embedded Finance
Integrated wallets, banking, payments, and financial products through secured partners.
FPaaS
White-label and embedded financial capabilities for banks, wallets, telcos, cooperatives, communities.
A wedge today. A multi-billion-dollar market ahead.
IO begins with everyday financial management but expands naturally into AI-powered financial services, embedded finance, and regional financial ecosystems. The same platform scaling across users, products, and geographies.
Embedded Finance Market
Embedded Finance Services
Embedded Finance Market
Embedded Finance Market
Today's wedge → tomorrow's market. The same platform scales across every tier.
SEGMENTS
Individuals → Families → SMEs → Enterprises
PRODUCTS
Manage → Business → AI → Embedded Finance
GEOGRAPHIES
Indonesia → SEA → Asia Pacific → Global
Sources: ResearchAndMakers.com, Bain & Company, "The Future of Southeast Asia's Digital Financial Services." Global2030 figure: ResearchAndMakers (Embedded Finance Market Forecast 2025-2030)
From a built platform to a regional financial operating layer.
Each phase widens the revenue surface per customer. This round funds the steepest climb Activation.
Foundation
Manage money IN & OUT + Business solutions & AI
Activation
Payments, linked pockets, and financial services live
Expansion
Financial services marketplace
Ecosystem
Regional Financial Ecosystem
Each stage increases customer value, engagement, and monetization potential creating multiple layers of revenue over time.
Turning a built platform into a revenue engine.
Raising Series A to fund the next 18–24 months from a complete platform to commercial scale and live embedded finance revenue.
Revenue acceleration
Subscriptions and FPaaS at scale.
Embedded finance live
Activate transaction revenue across markets.
Customer scale
Grow paying individuals and businesses globally.
The platform is built. The partnerships are secured. This round funds growth, revenue, and embedded finance activation at scale.
We've built the platform.
Now let's build the next chapter.
For qualified investors interested in Series A, request the deck or schedule a call with the founder.
Request the Deck
Full Series A pitch deck with detailed financials, traction data, and the complete platform overview.
Schedule a Call
30 minutes with the founder. Walk through the platform, the traction, and the path to scale.
