ATLAS PAY

Payments for the other four billion.

Instant, cash-native remittances on stablecoin rails.

SEED — 2026 CONFIDENTIAL 01 / 14

The problem

Sending $200 home costs $13 and takes three days.

$860B

remitted home every year, mostly in cash

6.2%

average fee on the busiest corridors

54 hrs

average wait until cash is in hand

ATLAS PAY 02 / 14

Why now

Three shifts, all in the last two years.

01 Smartphones reached 71% of emerging-market adults — but their parents still hold cash.

02 Stablecoin rails settled $12T in 2025; cost per transfer fell below one cent.

03 E-money licensing opened in Nigeria, Kenya, and the Philippines within 24 months.

ATLAS PAY 03 / 14

The product

Money that moves like a message.

Any phone

Send over WhatsApp or USSD. No app, no bank account, no smartphone required.

18-second settlement

USDC rails under the hood. Sender and receiver only ever see local currency.

Cash at the corner

46,000 agent locations across our launch corridors for same-hour cash-out.

ATLAS PAY 04 / 14

How it works

From London to Lagos in 18 seconds.

Step 1 — Send

A WhatsApp message

Amara in London texts: ₦50,000 to Mama. Pays in GBP from any card or bank.

→

Step 2 — Settle

GBP → USDC → NGN

Atlas converts and settles on-chain. 18 seconds, $0.14 of network cost.

→

Step 3 — Cash out

The corner agent

Mama collects the full ₦50,000 the same hour — or keeps a wallet balance.

ATLAS PAY 05 / 14

Market

Fourteen corridors nobody serves well.

$2.9T TAMCross-border consumer and micro-SMB payment volume

$340B SAMOur 14 target corridors — Africa ↔ Gulf ↔ UK/EU ↔ Southeast Asia

$8.5B SOM2.5% corridor share by year five

ATLAS PAY 06 / 14

Traction

Live in three corridors, growing 34% month over month.

0.12

Nov

0.19

Dec

0.27

Jan

0.38

Feb

0.55

Mar

0.78

Apr

1.25

May

$1.8M

Jun

41,000

active senders

$1.8M

monthly volume, June 2026

68%

of new senders arrive by referral

ATLAS PAY — MONTHLY VOLUME, $M 07 / 14

Business model

A 1.9% take rate — one third of the incumbents.

$3.80

revenue per active sender per month

$0.14

network cost per transfer

68%

contribution margin per corridor

<2 mo

CAC payback on referral-led growth

ATLAS PAY 08 / 14

Go-to-market

One corridor at a time.

01 Seed the diasporaCommunity groups, churches, and remittance influencers on the send side.

02 Flip the agentsExisting money-transfer agents switch for better economics — they keep 3× more per cash-out.

03 Merchants followWallet balances unlock bill pay and merchant acceptance — remittance users become daily actives.

ATLAS PAY 09 / 14

Competition

Cash reach and crypto speed — nobody offers both.

Legacy MTOs

Neobank remitters

Crypto wallets

Atlas

Works without a smartphone

●

—

●

Sub-minute settlement

—

◐

●

Cash-out agent network

●

—

●

Fees under 2%

—

◐

●

● yes · ◐ partial · — no

ATLAS PAY 10 / 14

Team

Built payments in these markets before.

Amara Okafor

CEO

Payments partnerships at Stripe; grew emerging-market volume 9× in three years.

Daniel Mwangi

CTO

Built settlement infrastructure moving $40B a year at a top-5 exchange.

Tobi Adeyemi

COO

Scaled a 120,000-agent network across West Africa at Flutterwave.

Amara Okafor

CEO

Payments partnerships at Stripe; grew emerging-market volume 9× in three years.

Daniel Mwangi

CTO

Built settlement infrastructure moving $40B a year at a top-5 exchange.

Tobi Adeyemi

COO

Scaled a 120,000-agent network across West Africa at Flutterwave.

12 people across Lagos, Nairobi, and London.

ATLAS PAY 11 / 14

Next 18 months

Three corridors to twelve.

Now

3 corridors live

$1.8M monthly volume

Nigeria e-money license granted

+6 months

7 corridors live

Bill-pay and wallet beta

Kenya + Philippines licenses filed

+18 months

12 corridors live

$40M monthly volume

Series A metrics

ATLAS PAY 12 / 14

The ask

$2.0M

Seed round

18 months of runway to $40M monthly volume and Series A metrics.

Engineering45%

Licensing & compliance30%

Agent network25%

ATLAS PAY 13 / 14

ATLAS PAY

Money should move like a message.

[email protected]

A SEVENTY—TWO sample deck — company and figures illustrative seventy-two.info · concept to delivery in 66 hours