The Financial Operating
System for 1 Billion People.
IFB Group — built on IFB, Clyrix, Xeltis, and WDC — is the intelligent capital, technology, and humanitarian finance infrastructure for 1.4 billion unbanked people. Projecting 1 billion users in 24 months across all group companies.
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.
Four 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
infinitefuturebank.org · Live · Operational
The group parent and capital infrastructure layer. IFB Core owns the DEUS engine (real-time multi-currency capital OS), the VentureX investor module, and the global representative network. 20,000+ registered users across active markets.
Valued at $8M based on live user base (20,000+), proprietary DEUS technology, VentureX module, and representative network infrastructure. Seed-stage fintech platforms with comparable user traction have transacted at $5–15M in comparable deals.
Clyrix Technologies
clyrix.com · Product · Growth Stage
IFB Group's AI and compliance technology arm. Clyrix builds the identity verification, smart contract execution, and regulatory compliance infrastructure that powers all group products — and is being licensed externally to financial institutions.
Valued at $52M using comparable RegTech/AI-compliance transactions. Companies like Resistant AI, Comply Advantage, and Sardine have raised at $40–120M valuations at similar stages. Clyrix's embedded position within IFB's 20,000+ user base and licensing pipeline justifies a mid-range comparable valuation.
Xeltis Ltd
xeltis.org · Incorporated · UK Companies House #16249466
Registered UK mining and earth intelligence company (incorporated February 2025, Companies House No. 16249466). Xeltis operates under the mission of "Sovereign Earth Intelligence & Asset Monitoring" — applying advanced monitoring and data intelligence to revolutionize mining operations and natural resource extraction.
Valued at $35M as an early-stage mining intelligence company. Comparable mining technology and earth-monitoring companies at incorporation stage with proprietary intelligence platforms have been valued at $20–60M. Xeltis's registered asset base, sovereign intelligence mandate, and IFB Group integration support a $35M internal assessment.
World Disaster Center
worlddisastercenter.org · Registered · US 501(c)(3)
Registered US humanitarian nonprofit (Tax ID: 33-1869013) operating the MICHAEL disaster monitoring platform. WDC connects disaster-response capital to affected communities through IFB's financial infrastructure — creating a humanitarian finance bridge for sovereign and institutional donors.
Valued at $25M as a technology asset within the group structure. WDC's MICHAEL platform, humanitarian data network, and strategic relationships with disaster-response institutions represent platform and mission-driven capital value. This is a strategic/asset valuation, not traditional equity — WDC operates as a nonprofit entity.
IFB Group — Combined Pre-Money Valuation
$120M
Series A · Raising $25M · 1 Billion User Target
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 $120,000,000, representing the sum of IFB Core, Clyrix, Xeltis, and WDC — four operating companies with global mandates.
IFB Group Pre-Money Valuation
$120M
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)
$120MIFB $8M + Clyrix $52M + Xeltis $35M + WDC $25M
Each entity independently assessed against sector comparables: fintech (IFB/Clyrix), mining intelligence (Xeltis), and humanitarian platform (WDC).
User Projection (Cross-check)
$120MTarget 1B users × $0.12/user blended ARPU
Blended ARPU derived from transaction fee + SaaS subscription models across the group.
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
0.0706%
$102.3K out of $145.00M 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 Implied Valuation at Exit
Today
$8M
In 3yr (Moderate)
$1.30B
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 $120M pre-money holding company raising $25M Series A across IFB Core, Clyrix, Xeltis, and WDC.
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 4 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 4 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 4 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
20,000+
Registered Users
On DEUS platform
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 four 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.
Confidential Data Room
Audited financials, cap table, legal structure, technical architecture, team bios, and the full 32-slide pitch deck are available to qualified investors under NDA. All requests reviewed within 24 hours.
Audited Financials
Full P&L, balance sheet, and cash flow statements
Cap Table
Current ownership structure and option pool
Legal Framework
Corporate structure, shareholder agreements, and IP
Technical Architecture
DEUS system design and infrastructure documentation
Full Pitch Deck
32-slide detailed investor presentation
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.
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.