Building the financial infrastructure for cross-border lives

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The investment opportunity at a glance.

• Company: Arcadia (future Arcadia Holding AG – Zurich)

• Product: Bankeaz (international banking platform)

• Stage: Pre-seed / Seed

• Structure: BaaS → EMI (Lithuania)

• Market: Expats, migrants, diaspora (hundreds of millions globally)

• Go-to-market: Diaspora-led distribution partnerships

• Status: MVP built, infrastructure ready, partnerships in progress

• Fundraising: €5M for 15%

  • Use of funds

    • Execute partnerships

    • Team expansion (product, compliance, operations)

    • Apply EMI license

    • GoLive → Market launch

Designed to scale across Europe, Africa, and the world’s largest diaspora corridors.

Investment snasphot

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€5M raise — 15% equity — €28.3M pre-money valuation

Structured for strategic and long-term aligned investors.

Investment terms

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People face:

• fragmented accounts

• hidden FX margins

• compliance friction (KYC, proof of address)

• blocked or delayed transactions

Cross-border banking is not broken.

It was never designed for this use case.

Banking was never designed for people living across borders.

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Bankeaz is not a neobank.
It is a cross-border financial layer.

• one account

• one card

• multi-country usability

• integrated FX and transfers

• dynamic account aggregation

Designed to become the default financial layer for cross-border users.

One infrastructure for cross-border lives

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A massive, underserved global segment

• 300M+ people living, working, or sending money across borders

• hundreds of billions in annual flows

• high-frequency, high-margin financial activity

Existing solutions are fragmented, expensive, and opaque.

This is not a niche.
This is a global financial infrastructure gap.

A massive, underserved global segment.

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Built differently from day one

1. Distribution advantage
   Direct access to diaspora networks through structured partnerships

2. Corridor strategy
   Focus on high-friction, high-value corridors

3. Regulatory roadmap
   Transition from BaaS to EMI to control margins and risk

4. Infrastructure readiness
   Core banking platform already built and operational

5. Controlled expansion
   Growth aligned with compliance — not hype

This creates a structurally defensible position.

Built differently from day one.

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Execution already in motion

• MVP completed (accounts, KYC, IBAN, transfers)

• infrastructure connected to BaaS sandbox

• advanced-stage partnership discussions

• diaspora distribution agreements in progress

• acquisition engine already deployed

System designed to scale organically before paid acquisition.

Early validation and execution readiness.

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Multi-layer revenue model

• subscriptions (B-Free, B-Plus, B-Unique)

• FX margins on cross-border transactions

• card and interchange revenues

• value-added services (insurance, rewards, premium features)

Revenue scales with transaction volume — not just users.

Multi-layer revenue model.

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Scalable unit economics

• recurring revenue model

• high-margin FX layer

• controlled CAC via diaspora distribution

• cost optimization through EMI transition

Revenue scales with cross-border volume — not just user growth.

Scalable unit economics.

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From dependency to control

• Phase 1: BaaS partnerships (launch)

• Phase 2: EMI license (control)

Objective: full control over AML, safeguarding, and margins

From dependency to control.

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• Holding structure planned in Switzerland

• Local entities per market

• Governance and risk framework already designed at group level

• Independent control functions planned post-seed

Structured for scale.

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Request access to the round (Seed Round)

Access the full investment case, financial model, and supporting documentation.

Detailed regulatory roadmap and partnership structure available in the dataroom.

Access reserved for qualified investors.
Limited allocation available.

Priority access given to early, aligned investors.

Detailed materials available upon request or via the data room.

Select investors only · Subject to availability

Access granted after review · Dataroom access within 24–48h

Institutional-grade infrastructure. Consumer-scale distribution.

Limited allocation available for qualified investors