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16 slide(s)

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Ultimate  Pitch Deck  & Charts Kit

Aura Inc.
Ground Floor 1-2 Craven Road, London, W7 2UA, UK
www.aura.com

101 Switzerland  Fintech Companies

75 Best New York Startups

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Platform Overview

The market

The Opportunity

Today’s users demand seamless, mobile-first experiences with a high degree of personalization. They expect financial services to be integrated directly into the platforms they use every day. This creates a unique window of opportunity for businesses: by embedding financial products, you can capture new revenue streams, create a much 'stickier' ecosystem, and dramatically increase customer lifetime value (LTV).

The Challenge

The main challenges that businesses face once decided to create own branded Neobank include the following:

Navigating complex licensing and regulatory requirements.

Hiring and retaining specialized engineering teams.

Building secure financial infrastructure from scratch.

A slow go-to-market timeline that misses opportunities.

803.80

2018

984.18

2019

1,281.92

2020

1,369.86

2021

1,476.84

2022

1,594.53

2023

1,623.98

2024

1,766.38

2025

1,902.40

2026

Digital Banking Market Growth

We operate in a rapidly expanding market. The global digital banking sector is projected to grow at a 10% CAGR, surpassing $1.7 trillion by 2026. This creates a massive opportunity for innovation.

Users Growth

The user base for digital banking is exploding. By 2024, the number of users is set to exceed 3.6 billion—a 54% increase from 2020.

Users in

2019

1.5B

Users in

2024

3.2B

Values in $ billions

CAGR 10%

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active users across 15 countries

2M+

monthly transaction volume

$3.2B

customer satisfaction score

98%

average transaction processing time

< 1 sec

last year revenue

$0.9B

total amount of registered users

11M+

Platform Overview

Numbers that speak for themselves

Just a few years, we’ve grown from a bold idea into a financial platform trusted by millions. Today, we process over $3.7 billion in payments every month, helping individuals and businesses send, spend, and manage their money with ease — across borders and currencies.

Our product is fast, intuitive, and reliable — and our customers notice. With an average app rating  of 4.9 out of 5 and a 92% referral likelihood, user satisfaction is at the heart of our growth.

What makes this possible? A relentless focus on infrastructure, security, and simplicity — ensuring that every tap, swipe, and transfer happens instantly and without friction.

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What makes us different

Scalable & Resilient Infrastructure

Our platform is engineered for high availability and global scale. With redundant architecture and enterprise-grade SLAs, we ensure stability even during peak loads or regional outages.

Global-Ready from Day One

Operate in 30+ markets with full localization, multi-currency support, and built-in regulatory compliance. We simplify cross-border payments and eliminate barriers to international growth.

Lightning-Fast, Frictionless UX

Transactions are processed in milliseconds, with instant feedback and intuitive flows. Whether on web or mobile, the user experience is optimized to feel effortless and familiar.

Smart Automation

No-code workflows and powerful APIs let you automate complex payment logic. From dynamic routing to event-driven triggers, you control the flow without writing custom backend code.

Security by Design

Security isn’t an add-on — it’s foundational. From KYC to anti-fraud systems and encryption at every layer, we meet or exceed industry standards to keep data and money safe.

Developer-First APIs

Comprehensive REST and GraphQL APIs with SDKs in all major languages. Webhooks, sandbox environments, and detailed docs let your team integrate, test, and ship payment features fast.

Real-Time Analytics

Monitor transactions, revenue trends, and user behavior with live dashboards. Customizable reports and alerting help you make data-driven decisions and catch anomalies instantly.

Platform Overview

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Aura’s platform allowed us to launch branded debit cards for our Helio app in a matter of weeks.

Mark Levin

CEO of Helio

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$159

Apr

$122

May

$71

Jun

$159

Apr

$122

May

$71

Jun

Consistent growth

The last ten months have been a period of significant acceleration for the Aura platform. We're seeing powerful, compounding growth, with key platform metrics up by over 150% year-over-year. This isn't just about acquiring new partners; it's about growing with them.

The first chart illustrates our momentum in new business acquisition, showing a 45% quarter-over-quarter growth in new partners joining the platform.

This is a direct result of market trust in our technology and shows that more companies are choosing Aura as their foundational infrastructure for launching financial products.

The second chart tells an equally important story: the success of our existing partners. Transaction volume from this cohort has surged by over 300%, demonstrating strong end-user adoption.

As they succeed, we succeed. This dynamic has pushed our net dollar retention to an industry-leading 140%, creating a powerful network effect that fuels sustainable, long-term growth.

Platform Overview

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$70

$20

$50

Q1'24

$122

$70

$52

Q2’24

$168

$140

$28

Q3'24

$193

$159

$34

Q4'24

$170

$122

$48

Q1'25

$110

$71

$39

Q2'25

$150

$125

$25

Q3’25

$132

$100

$32

Q4’25

$200

$140

$60

Q1’26

$208

$148

$60

Q2’26

$224

$152

$72

Q3’26

$205

$124

$81

Q4’26

$248

$128

$140

Q1’27

$250

$139

$120

Q2'27

$100

$130

$170

Q3'27

($ Millions)

Platform Fees (MRR)

Transactional Revenue

Total Revenue

Platform Overview

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$70

$20

$50

$20

Q1'24

$70

$20

$50

$20

Q1'24

$70

$20

$50

$20

Q1'24

Platform Overview

($ Millions)

Expansion Revenue

Revenue from New Customers

Sources of New Revenue (Q1'24)

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IBAN / ACH accounts

Send and load money worldwide

Plastic and virtual cards

Detailed history

Platform Overview

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Brand Foundation

Brand Identity

Brand Guidelines

Copywriting + Web Design

Quick Wins

Holiday

Web Development

Release & Support

Brand Assets

Accelerated Launch: Our goal is to get your product to market in record time. This typical 10-week timeline shows a collaborative path from initial concept to public launch.

Approach: Each phase is a close partnership. Our dedicated success managers work with you through technical integration, compliance checks, and beta testing.

Implementation Timeline

Platform Overview

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Cross-border payments in motion

Enable your users to connect with the global economy. International payments are a key growth driver, from paying overseas freelancers to managing global teams and sending money home. Our platform is designed to handle the natural ebbs and flows of cross-border activity, which often fluctuates due to seasonality, regional events, and user behavior. We manage this complexity so you don't have to.

For your customers, what matters isn't just volume — it's reliability. Our robust infrastructure and global network ensure that, regardless of transaction patterns, every international payment is fast, fully traceable, and cost-effective.

Platform Overview

Aug

Sep

Oct

Nov

Dec

Jan

Feb

Mar

Apr

100%

80%

60%

40%

20%

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Feature

Neobank

Traditional bank

Account opening time

5 min, in-app

2–5 days, in-branch

Monthly fees

No fees

$10–30/month

Card delivery

1–3 days

5–10 days

Currency support

30+ currencies

Often limited

Spending analytics

Built-in

Not available

Card freezing

Instant, in-app

Call or visit branch

Customer support

24/7 in-app chat

Limited hours

Subscription control

Included

Not supported

Crypto support

Yes (opt-in)

Not available

Build What Customers Demand

The gap between customer expectations and what traditional banks offer has never been wider. Slow, branch-based processes, hidden fees, and limited functionality are no longer acceptable in a digital-first world. To compete and win, you need to offer a fundamentally better experience.

The table on the left shows the new standard. With Aura, you can build and launch a neobank that delivers this exact level of service out of the box. Our platform provides the core technology to enable features like 5-minute onboarding, 24/7 in-app support, and built-in spending analytics. We empower you to create the modern, frictionless banking experience your customers demand.

Platform Overview

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London, UK

Finance

New York, USA

Business Development

Zug, Switzerland

Headquarters

Estonia, Tallinn

Research and development

Company Structure

Operational Parent company and headquarter (holds ultimate rights to all IP and receives the majiority of profits from subsidiaries)

Sales entity providing Digital Banking and Payment Gateway Services

B2B Marketing & Sales entity for SaaS Products (not requiring regulatory licenses)

Platform Overview

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Lucas Meyer

CEO & Co-Founder

Ex-Wise. Scales fast-moving teams with a product-first mindset.

Jasper Lee

CTO

Built infrastructure for 10M+ users. Security is his second nature.

Nina Carvalho

Head of Product

Previously at Nubank. Obsessed with clean UX and smart flows.

Daniel Novak

Lead Backend Engineer

API magician. Builds systems that never break under pressure.

Tanya Feldman

Design Lead

Turns complexity into clarity. Formerly at Klarna & Dropbox.

Sophie Laurent

Head of Growth

Grew two fintechs to 7-figure MRR. Data is her playground.

Leo Haddad

Head of Partnerships

Connects us to platforms, merchants, and ecosystems.

Mateo Díaz

Payments Infrastructure

Knows everything about global rails. From SEPA to PIX.

Isabella Chen

Customer Experience Lead

Makes support feel like a feature. Loved by users.

Arman Petrosyan

Head of Compliance

Keeps us fast, legal, and future-proof. EU & UK licensed expert.

The people building your next bank

Platform Overview

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Use of Series A Proceeds

.................................................

Investment Offering

Series A Round

..........................................................................

USD 5.6M

Company valuation

..............................................................

USD 30M

Total equity stake offered

..........................................................................

19% in treasurу shares

Investment Type

..........................................................................

Equity or Convertible Debt

Minimum Tranche

..........................................................................

$500,000

Strategic,

Technology Acquisition

Marketing,

Business Development

Working capital

(including HR)

Platform Overview

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Optherium is a global technology services & proprietary products provider for banks and large enterprises. We help our clients unlock transformative value through technology-enabled opportunities.