Stack Finance

Solving the biggest problem faced by 84% of millennials, managing money, which is daunting with no clear integrated platform for spending, savings & borrowing & TAM of $10.8B.
Stack leverage AI & data analytics and empowers millennials to make better financial decisions by providing a one-stop solution that aggregates all financial data and provides recommendations to improve their financial lifestyle with access to hundreds of financial products. Currently, Stack Finance is leading the data aggregation and automation revolution in India with the most advanced technology and stellar partners.

1) Launched on 23rd of Nov'20 on PlayStore, have gained more than 2000+ users in just 2 weeks with 4.8+ rating and 70+ reviews, with over 15,000+ users on the waitlist.
2) Achieved DAU of 1000+ with over $10.4Mn+ of assets being managed over the platform across 5000+ accounts with 100% MoM growth.
3) Onboarded India’s largest banks (ICICI & IDFC), brokers (Zerodha, Upstox, 5Paisa, etc) and AMCs as our partners.
4) Acquired operating license and regulated by SEBI, RBI and NPCI.

Market Size: It is an untapped market of $10.8 Bn in India alone (TAM). We are exclusively targeting the millennials population living in tier 1 & 2 cities with an income bracket of more than $5,000 (SOM $3.2 Bn). We plan to capture 2% of this market in the next 3 years (SAM: $174 Mn).
Target Market: Stack targets urban millennials who are confused while managing money, lack time and know-hows of personal finance. Stack targets the age group between 18-35 years which is a TAM of 620Mn. About 180Mn of the population is lives in tier 1 and tier 2 cities of India (SAM), out of which population in the target age bracket comes out to be around 78Mn which is the serviceable obtainable market.
Digitisation of banking services in India is the next big thing! The number of smartphone users have doubled from 401Mn in 2017 to 829Mn in 2020 with Indian’s consumer consuming about 11GB/Phone/Month at $0.50/GB. Consumer fintech adoption rates across money transfer, savings, investments, budgeting, insurance and borrowing has quadrupled to 30% in 2019 as compared to 2015. Towards the regulatory side, we are witnessing a unique moment in the history of the Indian financial system. With an e-wallet license in 2009, UPI reforms in 2014 and now with the advent of data aggregation framework and UPI 2.0 as well as open banking reforms and tech advancements, India is going to witness a new era of financial services and potential unicorns and Stack is poised to capture the opportunity.

Staying on top of the finances can be a time-consuming task. We are solving the biggest problem faced by 84% of millennials, managing money, which is daunting with no clear integrated platform for spending, savings & borrowing & a TAM of $10.8Bn.
Indian financial system is generic and fragmented where a millennial has to hold 10-12 different accounts to manage their finances like banking, loans, insurances, investments to run life and most of the time they don’t have the time and expertise to manage them. With no integrated platform to keep a check on financial health, generic solutions with the same user journey for all and lack of guidance and know-how of personal finance amongst millennials, millennials largely are overwhelmed, misinformed & confused.

Stack Finance is India's smartest app to track & manage personal finance, all in one place.
Stack leverage AI & data analytics and empowers millennials to make better financial decisions by providing a one-stop solution that aggregates all financial data and provides recommendations to improve their financial lifestyle with access to hundreds of financial products.
Currently, Stack Finance is leading the data aggregation and automation revolution in India with the most advanced technology and stellar partners.

Direct Competition: No direct Competitor
Indirect Competition:
1. ET Money (www.etmoney.com/) – Tax saving app, with MF, NPS and PPF, poor customer service, no automation.
2. INDWealth (www.indmoney.com/) – PMS service for HNIs (ticket size > 50 L), high human touch.
3. Walnut app (www.getwalnut.com/) - Budget management, Bills splitting, Short term loan, old tech for data retrieval, no IOS support, lacks saving options.

India’s 1st finance management platform, Stack has USPs lying in terms of Technology, Vision, Approach to Problem Solving, Team, Product Placement and Revenue Model and has the first movers’ advantage.
1) Team: Stack has a team consisting of people from IIT, NITs, IIMs and ISB as well as SEBI registered advisors with over 50+ years of combined experience in Technology and Finance both. Advisory Board of people who have led the top positions in companies like ET money (Times Internet), Eko, Paytm, Flipkart and are founders themselves from Furlenco, Leap.Cub; ex Zomato Gold CEO; ex-Softbank Partner.
2) Tech: Stack is leading the data aggregation and automation revolution in India with the most advanced technology and stellar partners, to democratize and humanize financial services. Stack uses the latest tech stack including AI and ML which makes the approach extremely intelligent.
3) Approach to Problem Solving: Stack is the only platform in India providing 360* approach to managing money by aggregating all the data points of a user onto a single platform (investing, savings and borrowing), hence taking a more personalised approach.
4) Vertical Integration: Stack has onboarded stellar partners like top banks and brokers with over 500 API integrations and well as acquired required licenses to operate.

Stack earns from 4 major revenue stages which include 1. Trail Income from recurring platform activities like deposit margins, equity investments, bill payments, insurance premiums, PPF, NPS, digi gold, 2. Affiliate Income from brokerage accounts, savings accounts, tax filing, insurance products, loans, 3. From the Stack Products which will be introduced such as advisory fees on Expert Stacks, transaction fees Dynamic Stack Card and 4. Subscription model on premium membership to Stack Club.

The company follows a well-researched and planned B2C monetization model dependent on various vertical integration instead of one. Stack does not depend upon users’ mistakes rather on their financial progress. Stack provides an exclusive ecosystem to the young millennials to help them thrive towards financial independence.
We are targeting through organic channels to keep CACs low and strong unit economics. With a waitlist of over 15,000 users, by content creation through blogs and videos, we are promoting financial literacy while acquiring users. We have strong bank and broker partners who have a user base access > 200Mn and creates a strong affiliate channel for us. We are also creating an employee wellness program for employers to promote a sound financial lifestyle.

75% of the fund raised will be utilised to build the team and product and launch the products in the pipeline. 25% will be used for marketing and creating educational content for our TG.

We are looking to raise $1Mn in equity as a part of our pre-series A round.

1) Regulatory Risk: Fintech is a highly regulated space. Hence we keep a close connection with regulators to be updated about the upcoming regulatory changes.
2) Technology Risk: We adopt the latest technologies including AI and ML to provide a more personalized and customized approach to our users.

MOX'10, SOSV;
Stile Initiative, Stan Group;
Rebalance Accelerator.

1) Awarded by NASSCOM as Top 10 Emerging Fintechs
2) Global Top 100 by Hong Kong Science and Technology Park
3) Top 10 Women led Startups by Tinder
3) "Top 30 Startups to watch out for" by Inc42 and covered by most esteemed Media Channels in India like Yourstory, Times of India, Money Control, etc.

201911021066: The present invention relates to a system and method of representing exchange traded securities through digital commerce tokens on blockchain with a dedicated two-way secure method using collateralization and smart contracts to authenticate the securities.