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Seed Round · 2026 · Supporting Material

How QUAFI Reaches
a Continent of Investors

A demand wave is already here. This is the machine that captures it — the channels, the funnel, the unit economics and the geographic sequence that take QUAFI from its first users to a regional footprint.

Companion to the Business Plan
Causal growth model — not a hockey stick
32.5M-person addressable market
Agustin A. Shehadi C., Ph.D. — Founder & CEO · quafi.io
QUAFI
02 / 10
The Setup · Why Now

We Don't Have to Create Demand. It Already Arrived.

12.3M
Argentines now hold an investment account
1 in 2 economically active · Caja de Valores, 2026
+35%
Year-over-year growth in account holders
+3M new accounts in Jan–May 2026 alone
32.5M
Young active investors across AR · LatAm · US
Our bottom-up, accounts-based TAM

Access is solved. Intelligence is not. Millions of first-time investors were onboarded by fintech apps — they hold a money-market fund and a few CEDEARs, but no mass-market product tells them what a good portfolio looks like. Acquisition, for QUAFI, is not about manufacturing interest. It is about being the answer a wave of newly-minted investors is already searching for.

QUAFI
03 / 10
The Audience

Who We Acquire

Ideal customer profile
The first-time serious investor
  • Age20 – 40, skewing toward 20
  • WhoYoung professionals, digitally native
  • Finance trainingLittle to none, by their own account
  • LanguageSpanish-first (rioplatense today)
  • BehaviorAlready investing — just without a compass
They want to invest well, not become quants

They don't want a Bloomberg terminal. They want a clear answer and the confidence to act on it — exactly what a QUAFI report delivers.

They learn and buy on the same screens

Finance content, education and product all live on the phone. QUAFI Academy meets them mid-scroll and turns curiosity into competence into conversion.

Low income today, rising tomorrow

A flat, transparent fee — no AUM cut — fits a cohort early in its earning curve, and grows in value as their capital compounds with them.

QUAFI
04 / 10
Distribution

The Channel Engine — We Go Where They Already Scroll

Reach
Paid social — reels & short video

Instagram & TikTok are where the cohort consumes finance content. The measurable, scalable core of paid acquisition.

Trust
Streaming & founder-led content

A PhD founder explaining markets in plain language builds authority no ad can buy — and fuels organic reach.

Credibility
Traditional media interviews

Press and TV spots deliver free reach spikes and third-party validation at the top of the funnel.

Convert
QUAFI Academy — owned education

A free, bilingual course that turns "I'm curious" into "I understand" into "I'll use QUAFI." Our compounding, un-rented funnel.

Compound
Referral & shareable reports

Every report is designed to be shown. Each activated user seeds the next — measured as an organic growth coefficient, not a hope.

Principle
One cohort, one language, five surfaces

The same rioplatense content works across every channel — and reuses 1:1 as we expand through Spanish-speaking LatAm.

QUAFI
05 / 10
The Funnel

The Free Launch Is an Acquisition Strategy

01
Reach
Content & paid social put QUAFI in front of the cohort
02
Register — free, no card
Zero payment friction ⇒ the widest possible top of funnel
03
Activate
Run an optimization, get the report · ~32% become monthly-active
04
Convert
From Feb-2027 · 2–5% of registered become paying
Friction removed

During the launch period every user gets the full Pro experience free — no card, no fine print. That maximizes registration and activation before any paywall ever appears.

Social proof built

Real users, testimonials and word-of-mouth accumulate before we charge — lowering the cost of every acquisition that follows.

Willingness-to-pay measured

The Feb-2027 conversion event is the cleanest possible read on price and demand — the single most valuable datapoint of the year.

QUAFI
06 / 10
Unit Economics · Post-Monetization

Acquisition That Pays for Itself

$6–$10
CAC per registered user
Argentina $6 · regional $7–$10 · US $35
~$22
Blended ARPU / payer / mo
Flat fee — no commissions, no AUM cut
~7.5 mo
CAC payback
On a paying user, at ~90% gross margin
~3.2×
LTV / CAC
Healthy for consumer fintech
How it composes

A registered user in Argentina costs about $6. At a 4% free-to-paid conversion, the fully-attributed cost of a paying user is ~$150 — against a ~$480 lifetime value (≈90% margin, ~24-month life). Organic users lower the blend further.

The proof point

Fintual already converted 150K+ funded users in Chile & Mexico — >75% under 40 — for this exact demographic. Willingness-to-pay for algorithmic allocation is demonstrated; we acquire the same cohort at a lower funnel cost.

QUAFI
07 / 10
The Model

Growth Is an Output, Not an Assumption

Every user traces to a cause
New users =Marketing budget ÷ CAC+k · monthly-active users
damped by market saturation (1 − registered ÷ ceiling)

Spend-driven, not story-driven. Paid users come from a budget divided by a measured CAC — auditable, not asserted.

Virality compounds it. An organic coefficient (~4.5%/mo on actives) means each cohort seeds the next.

Ceilings keep it honest. Growth is capped by each market's obtainable size — no infinite curves.

Registered users · 60-month trajectory
050K100K150KM0M12M24M36M48M60 1.3K4.2K25K124K C · 176K A · 16K
BaseAcceleratedFocus (no seed)
QUAFI
08 / 10
Expansion

A Regulatory-Sequenced, CAC-Ordered Ladder

AR
Argentina — live now
Home market · $6 CAC · AAGI registration 2027
UY
Uruguay — Jul 2027
Lightest regime (BCU registry) · content reuses 1:1
CL
Chile — Jan 2028
CMF Ley Fintech · demand proven by Fintual
MX
Mexico — Jul 2028
Largest Spanish prize · CNBV · prep starts T-9mo
+
Colombia & Peru — 2029
Fast-follow on the established playbook
US
United States — 2030
Via the Delaware holding · Hispanic-first beachhead

Sequenced on purpose. We enter each market when its regulation, our content leverage and our CAC all line up — Spanish-speaking markets first, where a single content engine compounds across borders, before the harder, later US entry.

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09 / 10
Defensibility

Why Our Cost to Acquire Falls as We Grow

01
Founder authority

A PhD economist and professor with a media presence earns trust — and organic reach — that paid competitors cannot rent.

02
Academy as an owned funnel

Every lesson is a durable content asset that keeps acquiring — SEO, shares, credibility — long after it's produced.

03
Product-led virality

Shareable reports and referral turn users into a channel. The organic coefficient dilutes blended CAC every month.

04
Free-launch social proof

A base of real, satisfied users — built before we charge — makes every subsequent acquisition cheaper and more credible.

The moat is distribution and trust, not only the algorithm. Each lever bends CAC downward as we scale — the opposite of a business that has to spend more to grow faster.

QUAFI
10 / 10
The Ask · Acquisition

What the Seed Funds — the Acquisition Machine

24%
of the $2.0M seed → user acquisition
The engine that turns dollars into registered users at a measured CAC
Marketing ramp (Base)
2027
$7K/mo
2028
$18K/mo
2029
$30K/mo
2031
$45K/mo
What it buys
Today
40 users · free launch live at quafi.io
Month 12
4.2K registered · monetization on · Uruguay live
Month 24
25K registered · 625 paying · Chile + Mexico live
Month 60
124K registered · ~5K paying · six markets

We are not betting on demand — the demand is already here. This capital funds the machine that captures it, and every user in the plan traces to a marketing dollar or a measured organic coefficient.