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·Indicative economics calculator

Run the Wave-1 and Wave-2 numbers for your own base.

A reasonable indicative model — not a sales projection. Defaults reflect what we see in production telco × bank deployments. Adjust the inputs on the left; the outputs on the right re-compute live. Everything runs in your browser. No values leave the page.

PRIVACY · CLIENT-SIDEYEAR 3 PROJECTIONEUR · ROUNDEDDEFAULTS · BENCHMARKS
INPUTS
Subscriber base
Reachable telecom subscribers (active SIMs)
12M
Fintech-attach rate
Subscribers active in the wallet by end of Wave-2
10%
Net ARPU / month
Blended take-rate per active fintech-user / month
€0.85
POOL MIX (YEAR-3)
A user can attach to multiple pools. Each pool is independent.
Wallet attach
55%
Card attach
32%
Cross-border attach
18%
Investments attach
6%
CLIENT-SIDE · NO NETWORK
OUTPUTS
Fintech-users (TAM)
1.20M
10% of 12M base
Wave-1 revenue (annualised)
€960k
120k users · wallet pool
Wave-2 revenue (annualised)
€6.2M
660k users · half-intensity mix
Year-3 run-rate
€22.7M
blended ARPU €18.92/user/yr
YEAR-3 REVENUE BY POOL
€22.7M total
Wallet
€5.3M23%
Card
€9.2M41%
Cross-border
€3.9M17%
Investments
€4.3M19%
ASSUMPTIONS · DEFAULTS
  • Pool ARPU benchmarks: wallet €8/yr · card €24/yr · cross-border €18/yr · investments €60/yr.
  • Wave-1 captures ~10% of the fintech-user TAM (wallet pool only) in the first 90 days.
  • Wave-2 captures ~55% at half intensity over months 4–12.
  • A user can be in multiple pools. Pool revenues are additive.
  • Currency rounded; 1 working day ≈ 24h. No FX, no tax, no churn applied here.
Reserve a 4-hour working session →Read the synergy memoWe will tighten these numbers against your sponsor-bank terms.
·Caveats

What this calculator is — and is not.

It is an indicative model for a partner-led Wave-1/Wave-2 telco × bank deployment in an EU-equivalent regulatory environment, with ARPU benchmarks taken from production Coreal-powered programs and from public BaaS data.

It is not a sales projection, a financial forecast, or a fairness opinion. Real outcomes depend on regulatory posture, sponsor-bank terms, telco data-sharing scope, FX, churn and operational discipline. Treat the numbers as order of magnitude, not a target.

Bring this page to a 4-hour working session — we will walk through the assumptions and tighten them against your specific market, sponsor and product mix.