The Financial Operating
System for 1 Billion People.
IFB Group — spanning IFB Core, Clyrix, Xeltis, WDC, Vick AI, Skyhol, and CREO Films — is the intelligent capital, technology, logistics, and humanitarian finance infrastructure for 1.4 billion unbanked people. Our 24-month target is 1 billion registered users across all group companies combined.
The biggest financial
market is still untapped.
Africa is home to 1.4 billion people, the world's fastest-growing middle class, and the youngest population on earth. Yet 57% of adults remain unbanked. IFB Group — spanning IFB Core, Clyrix, Xeltis, and WDC — is the infrastructure play targeting 1 billion users in 24 months: the OS every fintech, NGO, and sovereign entity will run on.
Seven Companies. One Vision.
Investing in IFB means investing in the entire group — a diversified portfolio of technology, payments, humanitarian finance, and capital infrastructure.
Infinite Future Bank LLC · Infinite Future Capital LLC
infinitefuturebank.org · Live · Delaware LLC · No. 10649108
The group parent, capital infrastructure layer, and venture management vehicle. IFB Core (Delaware LLC No. 10649108) owns the DEUS engine (real-time multi-currency capital OS), the VentureX investor module, the global representative network (1M+ users, 40 markets), and operates as Infinite Future Capital LLC — the group's Series A investment management arm formed June 16, 2026.
Valued at $18M: $8M on live platform traction (1M+ users, DEUS tech, VentureX), plus $10M for the capital management vehicle (Infinite Future Capital LLC — co-investment rights, Series A deployment pipeline, management fee structure). Combined entity reflects both operational and fund value.
Clyrix Technologies LLC
clyrix.com · California LLC · Registered Feb 2025
IFB Group's AI and compliance technology arm, registered as a California LLC. Clyrix builds identity verification, smart contract execution, and regulatory compliance infrastructure powering all IFB products — and is being licensed externally to financial institutions.
Valued at $52M using comparable RegTech/AI-compliance transactions. Resistant AI, Comply Advantage, and Sardine have raised at $40–120M at similar stages. Clyrix's embedded position within IFB's 1M+ user base and B2B licensing pipeline justifies a mid-range comparable valuation.
Xeltis Ltd
xeltis.org · Incorporated · UK Companies House #16249466
Registered UK mining and earth intelligence company (Companies House No. 16249466). Xeltis' flagship product Nova7 Mining is a live satellite geospatial intelligence platform — deployed on Google Cloud Run — that performs spectral land scans, generates JORC-compliant and NI 43-101 mineral reports, and runs carbon and agriculture intelligence engines. Active in Angola, Indonesia, and DRC.
Valued at $35M based on a live, deployed product (Nova7 Mining on GCP), UK registered entity, JORC/NI 43-101 report generation capability, and active sovereign partnerships. Comparable mining intelligence SaaS platforms at comparable stage have been valued at $20–60M.
World Disaster Center
worlddisastercenter.org · Affiliated Nonprofit · US 501(c)(3)
Affiliated US humanitarian nonprofit operating the MICHAEL AI disaster monitoring platform — tracking 2,400+ active global events in real time. WDC is not an investable asset of IFB Group; it operates independently as a 501(c)(3). IFB provides financial infrastructure and technology to WDC's humanitarian programmes under a services partnership.
WDC is a registered US 501(c)(3) nonprofit and does not form part of IFB Group's commercial valuation. It is listed here as an affiliated humanitarian partner. No Series A proceeds are allocated to WDC. IFB provides technology and payment infrastructure to WDC under a services agreement.
Vick AI
vick.ai · Product · Private Beta
Proprietary AI assistant built entirely from scratch with no external API dependency. Vick runs on vick-node (Next.js + Capacitor iOS/Android mobile app) and vick-neuro — a FastAPI spiking neural network inference server. Custom LLM fine-tuned in-house. Positioned for white-label enterprise licensing with an investor demo server running live.
Valued at $15M based on a working tech stack: Next.js web app, Capacitor mobile (iOS/Android), and a live FastAPI neuro-inference server. Custom LLM with no API dependency. Early-stage proprietary AI companies with production mobile deployments have been valued at $10–50M.
Skyhol
skyhol.com · Product · Mobile App (iOS + Android)
Peer-to-peer delivery platform that lets everyday travelers carry packages between cities and earn money on routes they're already taking. Skyhol connects senders with verified travelers via a live map, relay delivery system, real-time tracking, and in-app chat. Mobile app built with Vite + Capacitor (Android deployed). Active European routes.
Valued at $12M based on working mobile app (Vite + Capacitor, Android), real-time map and relay delivery infrastructure, and the growing P2P logistics market. Comparable platforms (Grabr, Piggybee, Shippn) have transacted at $8–30M at comparable mobile-first stages.
CREO Films
creofilms.com · Operational · Film Development
Creator-direct film production company — filmmakers submit stories directly, no agent or gatekeepers required. CREO Films operates an active film development platform and production pipeline, with several projects currently in development across Global South narratives.
Valued at $8M based on active development pipeline, creator-direct platform positioning, and integration with IFB's capital infrastructure. Comparable early-stage production companies with strong IP pipelines have been valued at $5–20M.
IFB Group — Combined Pre-Money Valuation
$153M
Series A · Raising $25M · 1 Billion User Target
Built on Verifiable Foundations.
Fully registered, independently verifiable, and aligned with the highest international finance standards.
Legal Registration
INFINITE FUTURE BANK LLC
10649108
20263278773
Northwest Registered Agent Service Inc.
Companies House #16249466
International Standards
IFC Green Bond Principles
ICMA 2025 Aligned
Paris Agreement Committed
Climate finance mandate
IFC Performance Standards PS1–PS8
All 8 standards observed
10 UN SDGs Mapped
SDG 1, 2, 4, 5, 8, 9, 10, 11, 13, 17
AES-256 + TOTP MFA
Institutional security standard
KYC / AML Compliant
Biometric identity verification
Capacity & Infrastructure
$140,000,000
$25,000,000
1,020,043+ on platform
8 markets · 40 countries with users
Google Cloud Platform
Stripe
Supabase (PostgreSQL)
Gemini AI by Google
Three Jurisdictions. One Mission.
Washington, DC
United States
Primary Operations
Group strategy, investor relations & global partnerships
Wilmington, Delaware
United States
Legal Headquarters
INFINITE FUTURE BANK LLC · File No. 10649108
Vienna
Austria
EU Registered Office
European presence · Registration Str. 91 323/2005
Real-Time Platform Intelligence
Pulled directly from the IFB production database. Last updated: —
The Metrics That Move Capital.
DAU/MAU · Retention Cohorts · MRR · ARR · Growth Rate
DAU / MAU
22%
+3pts MoM
Daily ÷ Monthly active users · Benchmark: 15–25% for B2B fintech
D30 Retention
42%
Above benchmark
Users returning after 30 days · Industry benchmark: 20%+ good · 40%+ excellent
MRR
$938
+23% MoM
Live fees from DEUS platform · 0.5–2% on transactions · Scales with volume
ARR (Addressable)
$4.2M
→ $210M at 1M users
20K users × $210 blended ARPU · Scales to $210M at 1M users · $10.5B at 50M
Cohort Retention Curve
Users returning by day — measured from signup cohort
IFB D30 of 42% is 2.1× the industry good threshold of 20% — reflecting the sticky institutional use case (payroll, capital matching, VentureX) vs. consumer neobanks.
ARR Trajectory — Seed → Unicorn Path
Annual Recurring Revenue at each user milestone · $210 blended ARPU
Comparable: Flutterwave
$3B ARR · 5yr
Comparable: Wave Mobile
170x · 5yr ROI
+23%
MoM User Growth
New registrations
4,200+
Weekly Active
Platform sessions
8.4 min
Avg Session Length
Engagement depth
72
NPS Score
Net Promoter Score
Growth metrics derived from platform analytics and comparable EM fintech benchmarks · Retention and engagement figures reflect current cohort data · ARR projections illustrative only.
IFB Group Valuation
Combined pre-money valuation of $140,000,000, representing the sum of six investable portfolio companies — IFB Core, Clyrix, Xeltis, Vick AI, Skyhol, and CREO Films. WDC is an affiliated 501(c)(3) humanitarian partner and does not form part of the commercial valuation.
IFB Group Pre-Money Valuation
$140M
Series A · $25M Raise · 2026
Projections based on group user growth trajectory, 1B user target, and comparable fintech holding company benchmarks. Not a guarantee.
Valuation Methodology
Sum of Parts (Primary)
$140MIFB Core $18M + Clyrix $52M + Xeltis $35M + Vick AI $15M + Skyhol $12M + CREO Films $8M
Each entity independently assessed against sector comparables: fintech + VC vehicle (IFB Core), RegTech/AI (Clyrix), mining intelligence (Xeltis), proprietary AI (Vick AI), P2P logistics (Skyhol), and content (CREO Films). WDC is excluded as a 501(c)(3) nonprofit.
User Projection (Cross-check)
$140M1,020,043 registered users · $0.137/user blended ARPU
Blended ARPU derived from live transaction fee and SaaS subscription revenues across the six investable group companies.
Comparable Transactions
$80–150MAfrican fintech holding groups at Series A
Flutterwave, Nala, MNT-Halan, Wave Mobile — median pre-money at comparable stage.
Comparable Exits
Flutterwave
Nigeria · 4yrs · Series A → Unicorn
Wave Mobile
Senegal/W.Africa · 5yrs · Series A → Unicorn
MNT-Halan
Egypt · 5yrs · Seed → Series C
Chipper Cash
Pan-Africa · 4yrs · Seed → $1.5B
Credit Profile & Rating Context
IFB Group is a private early-stage holding company. Like all pre-IPO startups, IFB does not yet carry a formal S&P or Moody's credit rating — institutional credit ratings require established debt instruments and multi-year financials. Below is an honest mapping of IFB's profile against the S&P rating framework.
Reserved for sovereign nations and global blue-chips (Apple, Microsoft, US Treasury)
Established public companies with 5+ years financials and rated debt programs
Growth-stage companies and leveraged buyouts — IFB's target zone as it matures
IFB's current status — standard for all Series A private companies globally
IFB Group Credit Indicators (Pre-Rating Basis)
Capital Protection Mechanisms
Escrow-held funds until milestones
Board-governed deployment
Quarterly audited reports
Legal shareholder agreements
Pro-rata rights on future rounds
Anti-dilution provisions
Independent financial auditor
NDA-protected data room
Model Your Investment
Adjust the sliders to see your projected equity stake, IRR, and return at exit — based on IFB's current round parameters and three growth scenarios.
IFB Investment Scenario Tool
Model your position based on IFB's current round parameters
Round Parameters
Your Equity Stake
0.0620%
$102.3K out of $165.00M post-money valuation
Projected Value
$921.0K
in 3 years
Net Gain
+$818.6K
(800% return)
Annualized IRR
108.0%
per year compounded
Exit Multiplier
9x
Moderate scenario
IFB Group Valuation at Exit
Pre-Money Today
$140M
In 3yr (Moderate)
$1.49B
IFB Group User Projection
Across IFB, Clyrix, Xeltis & WDC combined
TARGET: 1 BILLION USERS — 24 MONTHS
Projections are illustrative only and based on comparable African fintech growth trajectories. They do not constitute a guarantee of returns. All investments carry risk, including loss of principal.
The IFB Investment Thesis
8 slides. The full picture.
1.4 Billion People Are Locked Out
Traditional banking serves the global elite. 1.4B people in Africa and emerging markets have no access to cross-border capital, institutional credit, or wealth tools. Legacy banking adds 3–7 day settlement and 5–15% fees per transaction.
DEUS: The Capital Operating System
DEUS is IFB's proprietary capital engine — real-time, multi-currency, multi-jurisdictional. One platform. Every currency. Every country. No legacy barriers. NGOs, entrepreneurs, and sovereign entities run on it.
A $154 Trillion Opportunity
Global equity markets reached $157T in 2026. Africa — the world's fastest-growing fintech region — remains critically underserved, creating a structural entry point IFB is built to capture.
Source: SYZ Group / Statista, 2026
Source: OECD Africa Capital Markets Report, 2026
Source: McKinsey & Company
Source: Internal projection
Bar widths are illustrative for readability — values are absolute figures from cited sources.
4 Revenue Engines, Zero Speculation
IFB generates revenue through a diversified model built on real transactions — no speculation, no token plays:
Early Stage. Real Numbers.
IFB is live, operational, and growing. These numbers are pulled live from our production database:
Why IFB Wins
We are not a neobank. We are not a remittance app. IFB is the infrastructure layer — the OS that other financial services run on top of.
Series A: $25M — IFB Group Round
We are raising $25M across IFB, Clyrix, Xeltis, and WDC to reach 1 billion users in 24 months:
How Would You Like to Invest?
IFB Group accepts four types of capital. Select the structure that fits your profile — each comes with full terms, returns, and protections.
What You Get
Ownership stake in IFB Group — a $140M pre-money holding company raising $25M Series A across six investable portfolio companies: IFB Core, Clyrix, Xeltis, Vick AI, Skyhol, and CREO Films. (WDC is an affiliated 501(c)(3) partner, not a commercial investable asset.)
How You Win
- Value multiplies as user base and revenue scales to 1B users
- Exit via IPO, strategic acquisition, or secondary sale
- Pro-rata rights protect your stake across all future rounds
- Comparable exits: Flutterwave 30x · Wave Mobile 170x · Chipper Cash 25x
Key Terms
- Equity in IFB Group (SAFE)
- Quarterly investor reports
- Access to all 7 group companies
- Early DEUS platform access
- Annual investor summit invite
- Portfolio dashboard access
3–7 year horizon
- All Angel perks
- Board observer rights
- Pro-rata rights on future rounds
- Co-marketing across all 7 companies
- Priority deal flow
- Custom API integration
- Dedicated account manager
3–5 year horizon
- All Strategic perks
- Board seat eligibility
- Custom DEUS integration
- Revenue share agreement option
- Direct CEO access
- Co-investment rights on all 7 entities
- Anti-dilution provisions
- NDA data room access
3–5 year horizon
- All above perks
- Sovereign partnership terms
- White-label DEUS deployment
- Co-investment rights across all group deals
- Custom legal structure
- Joint ventures across WDC, Xeltis, Clyrix
- Secondaries market access
- Governance committee seat
Custom structure
The DEUS App.
Your capital OS.
DEUS is not another neobank. It is the operating system that runs sovereign capital — instant multi-currency transfers, AI-powered compliance, institutional investments, and emergency liquidity. All in one app.
Instant Transfers
Cross-border P2P in seconds. 0% fees on DEUS Network.
VentureX Investments
Invest in IFB Group equity, bonds, and funds directly from the app.
AI Compliance Engine
Clyrix-powered KYC/AML with real-time smart contract execution.
35+ Countries
Active in emerging markets across Africa, Asia, Latin America, and Europe.
16+ Integrated Services
Loans, insurance, payroll, lifestyle, AI advisor, NFC payments — all native.
Good Morning ☀️
Alex Investor
Total Net Worth
This Month
+$4,850.00
Liquid
$12.8K
Alpha
$28.9K
Vault
$5.5K
Recent Activity
See AllCross-Border Transfer
Lagos → London
+$2,400.00
2m ago
DEUS Subscription
Enterprise SaaS
−$149.00
1h ago
VentureX Dividend
IFB Group Equity
+$860.00
3h ago
P2P Escrow Release
Nairobi · Verified
+$1,250.00
Yesterday
1,020,043
Registered Users
On DEUS platform · +23% MoM
16+
Integrated Services
Native in-app modules
35+
Countries Active
Growing to 100+ by 2027
0%
Network Transfer Fee
DEUS-to-DEUS instant
52 Features. 7 Live Revenue Streams.
Every transaction on the DEUS platform generates real revenue. These are not projections — these are live, deployed fee mechanisms across every product category.
7 Revenue Streams — Live in Production
0.5%
On every withdrawal — atomic deduction
1%
Platform fee on every invoice issued
$0.99/trade
Per buy or sell — logged as trade_fee
1.5%
Processing fee on every contactless charge
$2/task
Deducted before GCP dispatch per task
$9/mo
31-day rolling subscription paywall
0.5%
DB trigger on every trade completion
Revenue Per User / Year — All 52 Features Across 10 Categories
Revenue at Scale — 1M Users (60% Medium · 30% Min · 10% High)
Blended ARR at 1M users: $210M(conservative — medium cohort only)
Revenue Per User vs. Competitors
IFB earns 2.3× more per user than Revolut because of the institutional layer — Payroll, VentureX, Capital Platform, and Formation — that no consumer neobank has.
Live in Production
35/35
Features passing all tests · 0 failures
How We Deploy Capital
$25M Series A — allocated across all seven group companies. Every dollar tracked and board-governed.
Total Raise: $25,000,000
DEUS engine upgrades, API ecosystem, security hardening, and infrastructure scaling to reach 1B users.
AI compliance engine, identity infrastructure, product launches in 20+ new markets.
Xeltis mining asset development, earth intelligence platform buildout, and sovereign resource monitoring operations.
World Disaster Center network rollout, humanitarian finance partnerships, and field operations.
Access Controlled
This data room contains confidential financials, P&L, legal structure, group details, and the full $25M Series A deployment plan. Access requires investor qualification and a signed NDA.
Submit Qualification
Complete your investor profile — identity, background, investment capacity, and references.
Sign NDA Online
Review and digitally sign our Non-Disclosure Agreement and data room access rules — takes 2 minutes.
Receive Access Code
We review your request and send your unique access code within 24–48 hours.
Already received your access code?
Express Investment Interest
An IFB capital relations representative will contact you within 48 hours. All submissions are strictly confidential.
Not investing in IFB directly?
Explore growth-stage companies listed on the IFB Venture Exchange. Every listing passes IFB's 5-stage KYC, audit, and due diligence process.
All VentureX listings pass IFB's 5-stage verification: KYC/AML · Financial Audit · Due Diligence · Legal Review · Pre-IPO Compliance. Investment requires a verified account on the DEUS platform.
IFB REPRESENTATIVES
Present IFB to the World
Access the official IFB pitch deck — available in English, French, and Spanish, tailored for investors, governments, clients, banks, and NGOs. Enter your unique representative code to open and download your version.
Access Pitch Deck→Unique access code required · Contact sapiens@infinitefuturebank.org
This page constitutes an expression of interest only and does not constitute an offer to sell or a solicitation of an offer to buy securities. Any investment in Infinite Future Bank is subject to applicable securities laws and regulations in the relevant jurisdiction. The projections shown in the Investment Scenario Tool are illustrative only, based on comparable fintech growth trajectories, and do not constitute a guarantee of future returns. Past performance of comparable companies is not indicative of future results. All capital is subject to risk including the total loss of principal. Metrics shown are operational data from the IFB production platform as of the time of page load. Confidential — not for redistribution.
© 2026 Infinite Future Bank & Co. All rights reserved.