PRE-SEED · BERLIN
diBoaS is building a non-custodial financial app that helps consumers assign money to goals and businesses assign cash to rules before money moves.
Before funds move, diBoaS shows the strategy, cost, liquidity, and risk. Users stay in control. diBoaS is the interface, never the holder.
Pre-launch. Pre-seed. Risks named directly.
THE THESIS
Consumer fintech looks large from the outside and thin in the unit economics.
diBoaS does not pretend otherwise.
The consumer product builds trust, brand, and distribution. The business product drives revenue through cash rules, payment paths, liquidity control, and explicit movement fees.
That is the company thesis: B2C builds trust and distribution. B2B drives revenue.
The model is not built on hiding consumer ARPU. It is built on being honest about it.
WHAT WE'RE BUILDING — AND WHY NOW
Most apps show your money as one number. But money always has a job — an emergency reserve, next quarter's payroll, protection from a currency that keeps slipping.
diBoaS starts with the job of the money. Before anything moves, it shows the path, the cost, the liquidity, and the risk. Then you decide.
The rails to do this finally exist: money can move, settle, and be programmed in ways ordinary people and small businesses could not reach a decade ago. But the interface still speaks to insiders — consumers get promises instead of explanations; businesses stitch cash across banks, cards, spreadsheets, and tools that never quite fit together.
Before money moves, you should understand the path, the cost, the liquidity, and the risk.
Consumers choose a goal. Businesses set rules. diBoaS shows the path before money moves.
MARKET SEQUENCE
diBoaS is designed for four launch markets, each with a different cultural and financial entry point.
Objective, and protection in dollars.
Money with a job — access and movement.
Planning, clarity, and visible risk.
A plan, the costs, and prudence explained.
The product spine stays consistent: purpose, rules, cost, liquidity, risk, and user control. The market story changes because trust is local.
BUSINESS MODEL
diBoaS earns through explicit movement fees.
The company does not take a spread on strategy returns. Revenue scales when money enters, exits, or a strategy closes.
The honest model is simple: consumer ARPU is structurally small. B2C builds trust and distribution. B2B drives revenue.
CURRENT STATUS
diBoaS is pre-launch and pre-seed.
The marketing site and market-intelligence product are live. The money product is specified and planned for the funded build.
The current raise funds the money-product build, regulatory launch gates, security audit, infrastructure, incorporation, and first B2B validation.
Live today
What the raise builds
FOUNDER
diBoaS is based in Berlin and led by a solo founder with 20 years of product and IT experience across Brazil, the United States, Japan, and Germany.
The founder has built the current product foundation, research, architecture, regulatory analysis, financial model, and investor materials with an AI-assisted build process and a test-driven operating standard.
The financing supports the next phase of the build: product development, technical support, legal review, security work, infrastructure, incorporation, and early B2B validation.
THE RAISE
diBoaS is preparing a pre-seed raise to fund the money-product build, regulatory launch gates, security audit, infrastructure, incorporation, and first B2B validation.
The goal of the raise is not scale theater. It is proof: build the money product, clear the launch gates, validate the first B2B demand, and turn assumptions into evidence.
Detailed raise structure is shared in the private investor materials.
INVESTOR MATERIALS
The investor room includes the Business Plan, Investor FAQ, and supporting materials covering the model, risks, use of funds, regulatory position, product roadmap, fee logic, and technical architecture.
The FAQ is intentionally direct. If something is unresolved, it is named.
Full documents are shared on request.
The one-screen decision page: the ask, the terms, break-even, validation targets, and status — the whole room at a glance.
AvailableOne-page investor overview: product, problem, model, market sequence, go-to-market, raise paths, and key model risks.
AvailableDetailed investor Q&A with blunt answers on unit economics, regulation, custody, traction, moat, team, deal structure, and unresolved risks.
AvailableShort narrative deck for first conversations.
AvailableWhat the lean path funds, what the larger path buys down, and what milestones the capital is meant to prove.
AvailableConsumer ARPU, B2B ARPU, break-even logic, first metrics to validate, and what breaks the model.
AvailableNon-custodial architecture, jurisdiction-specific gates, EU risk, Brazil partner dependency, and US and Brazil user-to-user transfer opinions.
AvailableWhat is live, what is specified, what the raise funds, and what comes after launch.
AvailableCanonical fee structure, fee caps, pass-through costs, and where diBoaS charges $0.
AvailableWallet architecture, provider dependencies, non-custodial flow, recovery model, and technical risk areas.
In preparation