Building the Future of Collaborative Finance A Financial Services Platform Built for Global Scale
18 months to build a complete platform with lean capital. Now raising to scale revenue, activate embedded finance, and accelerate global adoption
AT A GLANCE
iO is now open for Series A to accelerate global growth, platform expansion, and monetization
Money moves everywhere. Managing it lives nowhere.
Individuals, families, and businesses juggle disconnected apps, bank accounts, spreadsheets, and chats; leaving everyone with an incomplete financial 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. One Platform for Every Financial Flow
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.
With lean capital, we built a complete platform, scalable technology, monetization, financial partnerships, and the foundation for global scale
Product & Platform
Mobile app, web portal, AI Assistant, and a complete business operating suite
Brand & Design
Brand identity, iconic iO, design system, and globally scalable user experience
Organization
Lean team, operating infrastructure, and proven execution across every function
Monetization
Subscriptions, transaction revenue, commissions, and FPaaS monetization in place
Embedded Finance
Financial integrations, linked pockets, and embedded finance services already live
Global Rollout
Global-ready platform supporting users in multiple countries, 20+ languages, and 170+ currencies
18 months. Lean capital. Complete platform.
Built with bootstrap and seed funding only. Capital 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 Playstore launch
- Apple App Store launch
- Subscriptions monetisation activated
- Global rollout enabled
- 20+ languages & 170+ currencies
- Early market validation
AI & Embedded Finance
- MVP completed
- AI-powered financial assistant launched
- Embedded finance infrastructure ready
- Payment, wallet & bank partnerships started
- B2B monetisation path activated
Scale Everything
- Revenue growth acceleration
- Embedded finance rollout
- Global market expansion
- Strategic B2B partnerships
- Financial services monetisation
- Al-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 Playstore launch
- Apple App Store launch
- Subscriptions monetisation activated
- Global rollout enabled
- 20+ languages & 170+ currencies
- Early market validation
AI & Embedded Finance
- MVP completed
- AI-powered financial assistant launched
- Embedded finance infrastructure ready
- Payment, wallet & bank partnerships started
- B2B monetisation path activated
Scale Everything
- Revenue growth acceleration
- Embedded finance rollout
- Global market expansion
- Strategic B2B partnerships
- Financial services monetisation
- Al-driven activation & retention
Funding Stages
Real Users. Real Businesses. Real Stories
From individuals, families to businesses, iO is proving real-world personal, household, and collaborative finance use cases across Indonesia and global markets
R. Accessories Retail
Accessories retail business owner, Joined iO in 2025 and grew from solo founder-user 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 iO on April 6, 2026. Upgraded to PRO within two weeks, then expanded from a solo user to a five-user collaborative workspace with naturally specialized roles
SW. Long Term Personal User
Joined in July 2025. Nearly a year of continuous usage, averaging 100+ transactions per month with steadily growing engagement
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.
Multiple revenue streams; including subscriptions, platform services, transactions, and embedded finance; scale alongside adoption. The platform is monetization-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 partners
FPaaS
White-label and embedded finance capabilities for banks, wallets, telcos, cooperatives, communities.
A wedge today. A multi-billion-dollar market ahead.
iO starts with everyday financial management, then naturally expands into AI-powered financial services, embedded finance, and regional financial ecosystems; all on the same platform, scaling across users, products, and geographies
Embedded Finance Market
Embedded Finance Services
Embedded Finance Market
Embedded Finance Market
Today's wedge to 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 Financial Assistant Platform to Global Financial Infrastructure
Each phase expands customer value and revenue potential. This round funds the Activation phase
Foundation
Manage money IN & OUT + Business solutions & AI
Activation
Payments, linked pockets, and financial services live
Expansion
Financial services marketplace
Ecosystem
Global Financial Ecosystem
Each stage increases customer value, engagement, and monetization potential; expanding revenue opportunities and strengthening long-term enterprise value
Turning a proven platform into a revenue engine.
Raising Series A to fund the next 18–24 months of commercial scale, embedded finance activation, and global revenue growth
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 commercial scale, revenue growth, and embedded finance activation
We've built the platform.
Now let's build the next chapter.
Interested in our Series A? Request the investor deck or schedule a call with the founder
