Pre-seed · October 2026

My finance brain for investments.

Today AI writes our emails, tomorrow it manages our money.
To reach this level we need a finance brain.

Memoryassets organisationDashboardportfolio controlTaxesreporting memory
270M
Europeans not invested today
5,000
institutions agents cannot reach yet
617+
downloads of our investor search skill
1st
place, Agentic Commerce, Algorand x402 hackathon
01

Why now

ETFs and robo-advisors each brought millions of people into investing. AI agents will bring in everyone.

A person makes 1–10 investments a year. Their agent makes hundreds of checks and updates.

02

What we build

One finance brain that knows everything you own and connects your AI agent to banks, brokers and funds through one gateway.

Your finance brain, by text message
9:12●●● ▮
‹
VERUN ›
Mon 9:10
My September statements.
CSVqonto_sep.csvBank · 48 KB
CSVkraken_sep.csvExchange · 22 KB
CSVwallet_sep.csvWallet · 9 KB
Got all 3 🙂 Read 412 transactions.
Saved to memory: 186 bank transactions, 154 trades, 72 wallet transfers. 6 duplicates removed.
September in one line: cash +€4.3k, crypto flat, 2 wallet payments in.
+Text Message
CSV to Memory
Bank, exchange and wallet in one brain
14:21●●● ▮
‹
VERUN ›
Wed 14:20
Heads-up: SpaceX shares are down 6.1% this week.
Still within your mandate (limit −15%). No action needed.
Ok, hold.
👍
One more: your wallet received a payment.
WalletToday 14:02
+1,000 USDC received
From0x8f3…a91c
Network fee$0.0001
Status✓ Confirmed in 3 s
Logged in your brain 🙂
+Text Message
Alert and Wallet
Down move, plus a wallet payment
18:40●●● ▮
‹
VERUN ›
Tue 18:38
I want to invest €25k. Low risk, two years.
Checked 1,240 products against your mandate. 3 fit:

1. Tokenized money market fund, ~2.0%
2. EU government bond ETF, ~2.6%
3. Tokenized bond, TokenForge, ~3.4%

Information, not advice.
Take TokenForge.
Handoff ready. Please confirm in the TokenForge app with Face ID.
Confirmed by TokenForge. €25,000 bond booked to your depot.
Saved to your brain. Good choice 😊
+Text Message
Decision and Confirmation
You decide, the brain confirms
03

How we earn

€9/month
Retail subscription
€50/seat/month
Institutions
0.005USDC/request
Agents pay per call
04

Market

€7.6B
TAM Europe · 70M investors
$18.7B
TAM US · 160M investors
€1.8B
SAM DACH · launch region
Who buys firstQ4 2026 Family offices and investment managers→2027 RetailDACH → EU/UK → US
05

Traction

Mar–Jun 2026Three hackathons, 1st place in Agentic Commerce (Algorand x402)
May 2026Working proof of concept live
Aug 2026MoU with AllUnity; TokenForge partnership
Oct 2026Claude plugin live, OpenAI submitted, 617+ skill downloads
06

Plan

$30.7M
2027
$46.3M
2028
$138.2M
2029
1.17M
paying users by 2029
Dec 2026
launch
2027
EBITDA positive

Subscription ARR, base case. Projection.

07

Team

Rafael Schultz
Rafael Schultz
Co-Founder · CEO · LinkedIn ↗
Ex-Director Sales Europe, EVO Payments. Payments and partnerships.
EVO PaymentsElavon by U.S. BankDash
Nils Engeln
Nils Engeln
Co-Founder · CTO · LinkedIn ↗
Ex-w3.fund, managed a €20M portfolio. Built an agentic due-diligence system.
w3.fundBlockscapeSuperteam GermanyAutoHero
7
AI agents
Build, research, finance ops
08

The round

€3M
pre-seed
€2.0M
SAFE · open now
€1.0M
grant · non-dilutive
€15M
post-money cap · 30% early discount

Gets us to launch, the first 20 institutions and a seed round in Q2 2027.

Engineering & product 50%Go-to-market 25%Compliance 15%Operations 10%