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C O N F I D E N T I A L
Investment
Memorandum
Series A — Platform Modernisation & White-Label Expansion
€7,500,000
for 15% equity
€50M
pre-money valuation
March 2026
date of issuance
Overview
Executive Summary
Wise Wolves Group (WWG) is a licensed European financial holding with a 10-year track record in Private Wealth and Asset Management. We are raising €7.5M to build a next-generation wealth platform — a unified client app, core banking system, CRM, and compliance engine — that will serve our existing HNWI clients and be offered as a white-label solution (SaaS / WaaS) to other financial institutions.
EU-Licensed
CIF (CySEC), PI (CBC), ASP, Fund structures — Cyprus, Cayman, BVI
150+
HNWI Clients · €300M AUM · €800M GTV
Own Tech
Proprietary Core Banking (ABS), CRM & Client App
WaaS Ready
Modular platform for third-party licensing
Market
The Opportunity
The private wealth and multi-asset infrastructure market is undergoing rapid transformation. Legacy providers are slow, fragmented, and fail to deliver the unified digital experience modern HNWI clients demand. WWG is uniquely positioned to fill this gap — and to license the same platform to other firms.
Unified Client Experience
HNWI clients expect a single app for payments, brokerage, and crypto — not three separate portals. One app, all services.
Modular WaaS Platform
Our orchestration layer connects compliance, core banking, and providers into a licensable stack for other financial firms.
Global Licensing Reach
EU-licensed infrastructure is in high demand from LatAm, SEA, and MENA firms seeking credibility and compliance. 5+ target regions.
Technology
The WW Platform
A modular wealth infrastructure layer unifying client experience, compliance, operations, and licensed providers into one ecosystem.
Customer Application
Mobile + web app with unified portfolio view
Compliance Engine
KYC/KYB, AML screening, risk scoring, ongoing monitoring
ABS & CRM System
Account ledger, client profiles, audit trails, role-based access
Provider Integration
Banks, liquidity, crypto custody, card processors
Revenue
Dual-Use Platform: Internal + White-Label
Direct: Private Wealth
Payment Accounts
Multi-currency IBANs, SWIFT, SEPA gateways
Brokerage
500+ instruments via prime brokers in EU, UK and USA
Digital Assets
Fiat-to-crypto bridge via licensed EU entity
Wealth Management
Premium advisory and discretionary management for HNWI
Fiduciary Services & Advisory
Trusts & Family Governance set-up
White-Label: WaaS / SaaS
WaaS: The Emerging Opportunity
Fastest-growing wealth-tech segment. Most boutique wealth firms lack the infrastructure to serve clients in the €100K–€5M investable bracket.
B2B White-Label: MFOs & FOs
MFOs, SFOs, boutique asset managers and regional brokers needing institutional-grade tech without the build cost.
The Underserved “Affluent Middle”
Affluent clients stuck between retail banking and UHNWI private banks — who want the same comfort and multi-asset access, at their scale.
WaaS Revenue Structure
Setup (€20–50K) + monthly licence (€3–10K) + rev-share (5–15%). Pure SaaS or full WaaS with WW regulatory umbrella.
Team
Company & Leadership
Founder & CEO
Sergey Stopnevich
30+ years in financial markets. Banking sector leadership, major M&A transactions across CIS, built global financial hubs in Netherlands, Luxembourg, and Cyprus. Serial entrepreneur — founded WWG in 2016, closed investment round for crypto-tech firm Tria Finance in 2024. Holds personal ECB license as a payment institution director. Currently 100% shareholder of WWG.
Strategic Advisor
Ex-CEO, Leading German Broker
Experience building systems processing trillions in volume.
WW Digital — Engineering
Development Team
Proven track record building banking systems for fintech startups in the US and South America. Responsible for the platform’s Core Banking, CRM, and client applications.
50 → 80
Team today → max (5yr). Expanding across Engineering, Product & Technology, and Regional Sales.
5+
Active Licenses: CIF (CySEC), PI (CBC), ASP (CySEC), Fund (CIMA), AM (FCA BVI)
Structure
Corporate Structure
WW Group — EU Regulatory Hub
Wise Wolves Finance — CIF, CySEC #44672 (Cyprus)
Wise Wolves Payment Institution — PI, CBC Lic. 115.1.2.32 (Cyprus)
Wise Wolves Capital — ASP, CySEC #43406 (Cyprus)
Wise Wolves Labs — IP Box (Cyprus)
Wise Wolves Funds — CIMA (Cayman Islands)
Wise Wolves Management — FCA (BVI)
WW MENA — Global Expansion
Mauritius — Brokerage licence (in progress)
UAE — CMA licence (Dubai, UAE-wide digital asset regulation)
Dubai — Second office, key partnerships established
Strategic Advantage: Based in Cyprus — direct access to key EU solution providers and EU-based HNWI clients. Dubai office provides MENA market access and largest talent pool for financial services in the region.
Financials
Financial Projections (2026–2030)
€27M
Revenue Year 5
67%
EBITDA Margin Year 5
35
WaaS Partners Year 5
Y2
Breakeven
| Metric | Y1 2026/27 | Y2 2027/28 | Y3 2028/29 | Y4 2029/30 | Y5 2030/31 |
|---|---|---|---|---|---|
| Direct Clients (HNWI) | 150 | 200 | 280 | 380 | 500 |
| WaaS / SaaS Partners | 2 | 5 | 12 | 22 | 35 |
| Revenue — Direct (€M) | €2.5 | €4.0 | €6.5 | €9.0 | €12.0 |
| Revenue — WaaS (€M) | €0.3 | €1.5 | €4.0 | €8.5 | €15.0 |
| Total Revenue (€M) | €2.8 | €5.5 | €10.5 | €17.5 | €27.0 |
| OPEX (€M) | €4.0 | €4.8 | €6.0 | €7.5 | €9.0 |
| EBITDA (€M) | (€1.2) | €0.7 | €4.5 | €10.0 | €18.0 |
| EBITDA Margin (%) | — | 13% | 43% | 57% | 67% |
Economics
Revenue & Business Model
Unit economics per client segment — Direct HNWI and WaaS/SaaS Partners.
Direct: Private Wealth (HNWI)
Revenue per Client (ARPU)
Avg. annual revenue: €15,000–25,000/client. Mgmt fees (1–1.5%), brokerage commissions, payment spreads, FX margin. Avg. AUM/client: €2M+.
Client Acquisition Cost (CAC)
Estimated CAC: €2,000–5,000 per HNWI client. Referral network, CIS community events, EU & MENA outreach.
Unit Economics
LTV/CAC: ~10x+ (5–10yr avg. retention). Gross margin: 60–70%.
White-Label: WaaS / SaaS
Revenue per Partner
Setup: €20–50K. Monthly SaaS: €3–10K/mo. Rev-share: 5–15%. Avg. annual revenue: €80–300K.
Partner Acquisition Cost (CAC)
Estimated CAC: €10–30K. Fintech conferences, industry hubs (Dubai, Warsaw, Nicosia), BD outreach.
Unit Economics
LTV/CAC: ~15x+ (high stickiness). Gross margin: 75–85%.
Allocation
Investment Proposition & Use of Funds
€7,500,000 for 15% equity in WWG Group
Platform · €4.25M
Client App (iOS, Android, Web)Unified portfolio, secure auth, banking + brokerage + crypto
Core Banking System (ABS)Account ledger, balance control, transaction monitoring, audit trails
CRM + Compliance EngineKYC/KYB, AML screening, risk scoring, client lifecycle
API Integrations + Copy TradingBanks, LPs, crypto custody, card processors
Operations · €2.25M
Team Expansion50→80 max headcount, compliance & legal specialists
New License ApplicationsMauritius brokerage, UAE CMA licence (Dubai)
AI Operational IntegrationsOpen source LLM for compliance, client comms, reporting
24/7 Multilingual SupportEN, RU, AR and key CIS/MENA languages
Working Capital · €1.00M
Regulatory Capital BuffersCySEC/CBC minimum capital requirements
Operational Liquidity12-month cash runway pre-breakeven; Limassol & Dubai
Contingency ReserveRegulatory costs, market delays, opportunistic licensing
FX & Settlement FloatMulti-currency float & settlement obligations
Terms
Entry Conditions
€1.0M
Minimum ticket
1 Board Seat
Per 15% ownership
Flexible
Entry via equity or option
Fiat / Crypto
EUR/USD or USDT/USDC
Process
Investment Process
1
Soft Commitment (1–2 months)
Non-binding MoU signed. Access to Virtual Data Room. 1:1 deep-dive presentation. 3–5 weeks for due diligence.
2
Hard Commitment (1–2 weeks)
Entry terms negotiated. Equity, options, or direct investment. Fiat or stablecoin funding. 10% deposit within 7 days of LOE.
3
Final Legal Step
Corporate approvals. Cap table & register update. Legal closing & fund confirmation. Investor onboarding & full VDR access.
Why Hard Commitment? Proceeding directly to LOE secures your allocation within 1–2 weeks. Soft commitment (MoU) takes 1–2 months — by that point the allocation may already be closed.
Why Invest
Why Wise Wolves Group?
Active EU Licenses
CIF, PI, ASP licenses that took 2+ years to obtain — an enormous barrier to entry for competitors.
Proven Track Record
10 years in financial services, 150+ HNWI clients, €300M AUM — this is not a concept, it’s a running business.
Proprietary Technology
In-house platform (app, ABS, CRM, compliance) built by engineers with US fintech experience — creates IP value.
WaaS / SaaS Upside
White-label licensing opens recurring, high-margin revenue streams beyond direct client services.
Strategic Positioning
Targeting CIS HNWI clients across EU and MENA — an underserved, high-value segment. WaaS/SaaS expansion global across EU, MENA, CIS and LatAm.
Industry Connections
Strategic advisor from leading German broker; CEO’s network among top CIS entrepreneurs and executives.
