SuperPay — Investor Deck

01 — The Problem

Americans leave $250B+ in rewards on the table. Every year.

The average American holds 3.8 credit cards, each with different reward structures, spending caps, and category bonuses. No one can keep track — so they default to the wrong card, every time.

3.8

Avg. Cards Per Person

$250B+

Annual Unclaimed Rewards

68%

Use Suboptimal Card

✕

No centralized intelligence

Card issuers have no incentive to help you use competitors' cards. Each app only promotes its own products.

✕

Rewards complexity is growing

Rotating categories, quarterly caps, tiered spending thresholds, sign-up bonus requirements — it's impossible to track manually.

✕

Zero real-time guidance at checkout

By the time you're at the register or checkout page, there's no tool telling you which card to use. You just guess.

02 — The Solution

We optimize before the transaction — not after

SuperPay is the AI decision engine that sits between you and your money. One platform that analyzes all your cards, understands your financial goals, and decides exactly which card you should use — at every checkout, everywhere you shop, before you tap.

AI-Powered Optimization

Our engine scores every card against the current merchant, category bonuses, spending caps, and your personal goals — in milliseconds.

Location-Aware

Google Places API integration detects nearby merchants and pre-calculates the best card before you even walk in.

Goal-Aware

Building credit? Maximizing travel miles? Budget-conscious? SuperPay adapts recommendations to your financial priorities.

03 — How It Works

Three steps to maximize rewards every time

1

Connect your bank

Link your accounts via Plaid in seconds. SuperPay automatically imports all your credit and debit cards with full reward structures — and analyzes 24 months of transaction history to show exactly how much you've been leaving on the table. No manual entry required. (Or add cards individually from our 166-card proprietary database.)

2

Set your goals

Choose what matters most: maximize cash back, earn travel miles, protect credit health, hit every bonus, or stay budget-conscious. SuperPay weighs every recommendation against your priorities.

3

Shop smarter — everywhere

Get the best card recommendation at every checkout. In-store via the mobile app, online via our browser extension, or through 80+ pre-mapped retailers. AI explains why each card wins.

04 — The Product

A complete intelligence ecosystem

SuperPay meets users wherever they transact — mobile, desktop, and soon, directly at the point of sale.

Dashboard

Smart Optimize

AI Roadmap

Bank Connect

Mobile App (iOS & Android)

Full-featured wallet intelligence: card management, optimizer with location-based detection, credit health tracking, spending insights, transaction history, AI recommendations, and 24-month missed value analysis via Plaid.

Browser Extension (Chrome & Safari)

Automatic checkout detection on 80+ retailers. Shows optimal card overlay with AI explanation directly on the payment page. One-click transaction logging. Shared auth with mobile app.

SuperPay Card (Roadmap)

Digital and physical cards that auto-route every transaction to the optimal card in your wallet. The intelligence layer becomes the execution layer — no more choosing, just tap and go.

AI Explanations

GPT-4o-mini powered conversational insights that explain why each card is optimal for a purchase. Not just numbers — real context users understand and trust.

The SuperPay Card Vision

From recommendation to automatic execution

Today, SuperPay tells you which card to use. Tomorrow, our digital and physical SuperPay Cards will automatically route every transaction through the optimal card in your wallet — in real time, at every terminal and checkout. One card to rule them all. The user just taps. SuperPay's AI handles the rest: maximizing rewards, protecting credit health, and achieving financial goals on every single purchase. This is the endgame — not just intelligence, but autonomous financial optimization.

05 — Market Opportunity

A $4.5 trillion transaction layer

SuperPay sits at the intersection of credit card spending, fintech wallets, and AI — three massive, converging markets.

$4.5T

US Annual Card Spend (TAM)

$890B

Rewards-Active Spend (SAM)

$42B

Addressable Optimizer Market (SOM)

Why Now

Credit card rewards complexity is at an all-time high. AI capabilities have matured to process real-time financial optimization. Browser extension APIs enable at-checkout intelligence. Consumers are actively seeking tools to manage multi-card wallets.

Market Tailwinds

Credit card issuance growing 5% YoY. Average rewards per card increasing. Gen Z holds 2.5 cards by age 25 (vs 1.5 a decade ago). Embedded finance and digital wallets normalizing AI-assisted payments.

06 — Business Model

Freemium today. Platform revenue tomorrow.

Free Tier

3 cards, 1 goal, 2 bank connections. Full optimizer access. Enough to prove value and drive conversion. Designed as an acquisition engine.

Pro Tier — $9.99/mo

Unlimited cards & goals. Advanced insights, spending patterns, AI explanations, credit builder, 24-month analysis. Annual: $99 · Lifetime: $199

Pro+ Tier — $19.99/mo

All Pro features plus the full AI Rewards Roadmap Engine: AI-generated personalized milestone titles and strategy plans, month-by-month action plans, smart new card recommendations from 166 hand-curated market cards with welcome bonus analysis, auto-detect best points ecosystem (Chase UR, Amex MR, Capital One Miles), hidden card perk discovery with goal-specific tips, and progress tracking with AI-powered insights. The premium tier for outcome-driven users.

Product Differentiator

Outcome Engineering: From Transactions to Goals

Users define a financial goal (e.g., "London trip in 6 months") and the AI Roadmap Engine builds the path to get there:

Goal-Based Projections

Projects point accumulation from your real spending patterns

AI Action Plans

Personalized month-by-month milestones unique to each user's goals

166 Cards, 12K+ Banks

Cross-references spending from 12K+ connected banks against 166 hand-curated card products

Ecosystem Detection

Auto-picks your best points currency — Chase UR, Amex MR, Capital One Miles

Hidden Perk Discovery

Surfaces unused card benefits with goal-specific contextual tips

Adaptive Tracking

AI-powered progress insights with real-time recalibration

The moat: no competitor combines real-time spending data, market-wide card intelligence, perk discovery, and goal-level AI roadmapping into a single engine.

Future Revenue Streams

Card Referral Affiliates

SuperPay sees every user's spending patterns. We can recommend new cards that would earn them more — and earn $50-$200 per approved referral from issuers.

Merchant Partnerships

Location-based "featured merchant" placements. Merchants pay to be highlighted in the Near You section with special offers.

SuperPay Card Interchange

When SuperPay issues its own card, we earn interchange revenue (1.5-3%) on every auto-routed transaction. This is the long-term platform play.

07 — Financial Trajectory

3-Year revenue evolution

A layered model that shows capital efficiency, scalable economics, and upside asymmetry.

Core Assumptions

Subscription: Pro $9.99/mo · Pro+ $19.99/mo · Annual $99-$199 · Lifetime sunset at 25K
Affiliate: 5% of users annually · $150 avg payout
Interchange (Yr 3+): 0.5% net share

Year 1 — Intelligence Layer Validation

Scenario	Users	Revenue
Conservative	75K	~$1.0M
Base	100K	~$1.4M
Aggressive	150K	~$2.2M

Focus: Prove paid conversion · Optimize retention · Validate affiliate revenue

Year 2 — Scale + Card Beta

Scenario	Users	Revenue
Conservative	300K	~$4.0M
Base	500K	~$6.9M
Aggressive	750K	~$10M+

Focus: Digital Card beta live · Begin routing · Improve conversion to 7-8%

Year 3 — Routing Infrastructure Active

Scenario	Users	Revenue
Conservative	750K	~$20M
Base	1M	~$30M-$40M
Aggressive	2M	~$50M-$60M

Revenue mix: Subscription + Affiliate + Interchange (dominant driver)

Strategic Insight

18-month raise target: 250K users · $5M+ ARR — tracking between Year 1 Aggressive and Year 2 Base.
Year 3: Interchange transforms SuperPay into infrastructure revenue.

Interchange Assumptions (Year 3)

Conservative: 15% card adoption · ~$10M-$15M
Base: 25% adoption · ~$20M-$25M
Aggressive: 25-30% adoption · ~$30M+

08 — Competitive Landscape

SuperPay creates a new category

We don't compete with card issuers or budgeting apps. We're the intelligence layer they all lack.

Feature	SuperPay	NerdWallet	MaxRewards	CardPointers	Mint / Monarch
Real-time optimizer	✓ AI-powered	—	✓ Basic	✓ Manual	—
Browser extension	✓ Auto-detect	—	—	✓ Limited	—
Location-based recs	✓ Google Places	—	—	—	—
Goal-aware scoring	✓ 6 goal types	—	—	—	—
AI Rewards Roadmap	✓ PRO+ v2	—	—	—	—
Smart card recommendations	✓ Market-wide	✓ Affiliate	—	—	—
Goal-level AI roadmapping	✓ With new cards	—	—	—	—
AI explanations	✓ GPT-4o-mini	—	—	—	—
Credit Health Index	✓ Real-time	✓	—	—	✓
Missed value analysis	✓ 24 months	—	—	—	—
Auto-route card vision	✓ Roadmap	—	—	—	—

09 — Traction & Metrics

Building momentum with a product-led approach

166

Card Products
Hand-Curated

Any

Merchant
Identified

80+

Online Retailers
Mapped

14

Core Features
Shipped

Product Completeness

Full iOS/Android/Web app with 5-tab navigation, guided onboarding, Plaid integration, AI explanations, browser extension, landing page, privacy/terms/support pages, and download infrastructure — all built and functional.

Key Milestones

⚡ Entire platform built in under 60 days (first commit: Feb 10, 2026)
✓ MVP app complete with full optimization engine
✓ Browser extension with checkout auto-detection
✓ Google Places API integration for location intelligence
✓ AI-powered recommendation explanations
✓ 24-month historical missed value analysis
✓ PRO+ Rewards Roadmap Engine v2 shipped
✓ SuperPayRewards.com live with professional presence

10 — Technology & Moat

Defensible intelligence that compounds over time

Proprietary Card Database

166 cards with exact reward rates, category bonuses, and spending caps. Hand-curated and continuously updated — with access to 12,000+ cards across 12K+ banks via Plaid.

Merchant Intelligence

Any merchant with a business address — identified via Google Places API. AI-powered categorization with keyword pattern matching. 30+ Place type mappings.

Client-Side Optimizer

Goal-aware scoring runs on-device for instant recommendations. No latency, works offline, privacy-preserving.

Plaid Deep Integration

24-month transaction history analysis. Auto-match card products. Calculate real missed rewards across your entire spending history.

Browser Extension Platform

Checkout detection on any website. Content script injection with overlay UI. Background sync with 24-hour merchant refresh.

AI Explanation Engine

GPT-4o-mini generates conversational, goal-aware explanations of why each card wins — building user trust and engagement.

11 — Security & Compliance

Enterprise-grade security for fintech-grade trust

Zero Card Data Exposure

We NEVER store full card numbers or CVVs. Only last 4 digits are retained. No payment processing, no fund custody.

Rate Limiting & Brute Force Protection

Auth endpoints throttled to 10 req/15min. Forgot-password limited to 5 req/hr. Automatic lockout with retry-after headers.

Token Revocation & Session Security

HMAC-SHA256 signed tokens with versioning. Password reset automatically invalidates all existing sessions across devices.

Full Audit Trail

Every login, failed attempt, password reset, data export, and account deletion is logged with IP address and user agent for compliance.

Security Headers & HSTS

X-Frame-Options, CSP, XSS protection, strict referrer policy, and HSTS enforcement in production. Defense-in-depth architecture.

GDPR & CCPA/CPRA Compliant

Full data export, one-click account deletion, 15-section privacy policy, and 28-section terms of service. Built for regulatory readiness.

Comprehensive Legal Documentation

Production-ready legal suite: 15-section privacy policy (GDPR/CCPA/CPRA), 28-section terms of service, information security policy, and creator program agreement with digital signatures. All updated April 2026.

12 — Go-to-Market

Product-led growth with viral mechanics

1

App Store & Chrome Web Store Launch

Organic discovery through App Store Optimization. The "missed rewards calculator" drives installs — users are shocked by how much they've left behind.

2

Social Engagement Engine (Twitter/X)

Automated monitoring for credit card rewards conversations across Twitter/X. AI identifies high-intent discussions, drafts contextual replies, and admin reviews before posting — building organic community presence at scale with zero ad spend.

3

Blog & SEO Content Strategy

Owned content at superpayrewards.com/blog targeting credit card optimization, rewards maximization, and personal finance queries. Long-tail SEO drives organic acquisition with zero marginal cost per visitor.

4

Affiliate Revenue Loop

Users who discover they need a better card for dining → SuperPay recommends the right one → earns referral revenue. Acquisition cost: $0.

Viral Loops

Every SuperPay interaction creates sharing potential:

• "I saved $47 this month by using the right card" — shareable result
• "I've been losing $1,200/year" — shocking missed rewards stat
• Browser extension visible at checkout — word-of-mouth
• Referral program: give a friend Pro for 1 month

Target Users

• Multi-card holders (3+ credit cards)
• Points & miles enthusiasts
• Credit-building millennials/Gen Z
• Online shoppers (power users of 5+ retailers)
• Personal finance-conscious consumers

13 — Creator Program

Creator-powered growth engine

Fully automated creator affiliate infrastructure — built and live.

30%

Recurring Commission

12-month revenue share

$0

Acquisition Cost

On creator-driven signups

100%

Automated

Zero manual tracking

Legal

Signed Agreements

Digital signatures + IP logging

For Creators

Everything a creator needs to earn — no friction, no guesswork.

✓ Application portal with automated review
✓ Legally binding digital agreement signing
✓ Personal dashboard with real-time stats
✓ Unique referral links & tracking codes
✓ Pre-written social copy & share tools

For SuperPay

Full-stack admin infrastructure — zero operational overhead.

✓ Admin management dashboard
✓ Automated referral attribution
✓ RevenueCat webhook integration
✓ Commission calculation engine
✓ Payout management system

Why It Matters

Aligned incentives — Creators earn more when users stay subscribed long-term

Unit economics — Creator-driven users have zero customer acquisition cost

Infinitely scalable — Infrastructure handles unlimited creators with no ops overhead

Legal protection — Binding agreements, fraud prevention clauses, arbitration

Most startups promise creator programs. We built the entire infrastructure.

14 — Founder

Operator-first founder building long-term infrastructure

Yuri Moreira

Founder & CEO

Multi-venture builder across fintech, consumer platforms, and media. Deep experience in monetization, digital growth, and capital structuring. Strong understanding of credit ecosystems and consumer finance behavior.

Vision: Build the transaction intelligence layer that sits between every consumer and every payment network.

Approach: Disciplined execution. Infrastructure-level thinking. Long-term category ownership.

Hiring Plan (Lean Infrastructure Mode)

• CTO — Technical co-founder
• 1 Full-stack Engineer — Product & infrastructure
• 1 Growth Lead — Acquisition & conversion
• 1 Security/Compliance Hybrid — Regulatory & security

4-person team. Enough to maintain product, build routing beta, run affiliate loops, and stay compliant.

Advisory Board

Building advisory board across payments industry, fintech, AI, and growth specializations. Targeting fintech angels, founder-operators, micro-VCs, and strategic card ecosystem players.

15 — The Ask

Raising to scale intelligence

$3.5–5M SAFE

Pre-Money Valuation: $20M · 20% Discount

$3.5M target · Up to $5M with strategic partners · Target Close: 60 days

Use of Funds — $3.5M Base (~28-Month Runway)

Disciplined, lean deployment. Target burn: ~$122K/month (Payroll: $73K · Infra/SaaS: $29K · Marketing: $20K). Runway: ~28 months. Path to profitability at 150K users.

45%

Engineering

Backend infrastructure
Routing intelligence
Card issuing integration

25%

Growth

Acquisition experiments
Conversion optimization
Channel partnerships

15%

Card Infrastructure

Issuing partner integration
Network provisioning
Interchange agreements

10%

Compliance & Legal

Fintech counsel
Regulatory framework
Risk architecture

5%

Operations

Lean operational infrastructure
to support scale

With $5M, we accelerate:

SuperPay Card Launch

Expedite physical & digital card issuing, network provisioning, and auto-routing transaction infrastructure

Creator Program & Marketing

Scale the 30% revenue-share creator program and paid acquisition channels faster

Engineering Team

Additional senior engineers to parallelize routing intelligence and card infrastructure development

18-Month Targets (Must Be Aggressive)

This round must unlock:

250K

Users

8%

Pro Conversion

$5M+

ARR

Live

Digital Card Beta

$250M+

Routed Volume

If we don't aim here, Series A gets harder.

16 — Execution Plan

What this round unlocks

18-month execution plan to Series A readiness.

Product

• AI reward optimization engine refinement
• PRO+ Outcome Engine & AI Roadmaps
• Real-time routing logic
• SuperPay Digital Card beta
• Automated card benefit matching

Growth

• 250K users
• 8% Pro conversion
• Optimized CAC/LTV model

Infrastructure

• Issuer partnership secured
• Card provisioning live
• Fraud & compliance architecture built

Financial Target

• $5M+ ARR
• $250M+ annual routed volume

Clear milestone → Series A ready.

Lean but Aggressive Team

CEO · CTO · 1 Full-stack Engineer · 1 Growth Lead · 1 Security/Compliance Hybrid

Target burn: ~$122K/month · ~28 months runway · Path to profitability at 150K users

17 — Vision

Recommend. Route. Power every transaction.

SuperPay's three-phase roadmap: today we tell you which card to use. Tomorrow we execute it for you. Eventually, we power every transaction autonomously.

Now — Recommend

The AI Decision Engine

We tell you exactly which card to use — before every purchase. 166-card proprietary database (12,000+ accessible via Plaid across 12K+ banks), Google Places for millions of merchant locations, checkout detection via browser extension, and PRO+ Rewards Roadmap Engine v2 with goal-based strategy, smart new card recommendations, welcome bonus acceleration, and adaptive progress tracking. We optimize before the transaction — not after.

Next — Route

SuperPay Digital Card

A virtual card linked to all your credit cards. We don't just recommend — we route. Every online transaction is intelligently directed to the optimal card in real time. Just pay with SuperPay, and we execute the optimization automatically.

Future — Power Every Transaction

SuperPay Physical Card

A physical card for in-store purchases. Tap or swipe your SuperPay card at any terminal — the AI powers the transaction behind the scenes, routing it to your best card automatically. One card in your wallet that's smarter than all of them combined. Today we recommend. Tomorrow we route. Eventually, we power every transaction.

SuperPay Card - Tap to optimize every transaction

One card. Every reward. Automatic.

The SuperPay Card auto-routes every transaction to your optimal card — no decisions, no missed rewards, just intelligence.

S

Today we recommend.
Tomorrow we route.
Eventually, we power every transaction.

SuperPay is the intelligence layer that decides which card you should use before every purchase — and soon, executes it for you. No one should ever use the wrong card again.

The AI Decision Engine for Money

Let's build the future of payments together

Get In Touch

hello@superpayrewards.com · superpayrewards.com

SuperPay