STRATIFY — Pitch Deck Copy v1.0

Framing (2026-06-03): This deck pitches the 12-month, post-license vision — regulated copy-investing infrastructure with execution, MiFID-II suitability, and Stripe Connect. Today (pre-license) the live product is a curated investment-research publication only (4 mandates, signals + theses, no execution, no KYC, no Connect). Those execution features re-enter on FMA license grant. Kept intentionally forward-looking for investors — do not "correct" it to the pre-license state.

Final production copy for Pre-Seed pitch deck. Language: English (YC / international VC standard). Use as input for slide creation in Pitch, Gamma, Figma, or Keynote. 12 main slides + appendix structure. Voice: Editorial Dark Finance. Conviction-driven. Zero buzzwords. Numbers do the work.

SLIDE 1 — TITLE

On-slide:

STRATIFY

Regulated copy-investing infrastructure for European retail.
30 EEA markets at launch.

Pre-Seed · CHF 500K · Zürich 2026

Speaker (15s): "We're building the licensed infrastructure layer that lets 500 million Europeans copy professional investment strategies — through a MiFID II compliant wrapper, passported into 30 markets from day one. We're raising CHF 500K pre-seed."

Visual direction:

Pure typography. No background image, no decoration.
Wordmark centered. Single accent color on near-black (deep amber or signal red recommended).
Editorial Dark Finance tone established immediately.

SLIDE 2 — PROBLEM

On-slide:

European retail investing is broken in three ways.

ADVISORY              DIY NEOBROKERS         SOCIAL TRADING
1.5%+ AUM fees        10M+ users             Unlicensed
€100k+ minimums       No signal layer        CFD-driven
0.4% household reach  Underperforms          Regulatory pressure

The mechanism that built Autopilot to $11M ARR in the US
has no licensed European equivalent.

Speaker (45s): "Three options, all broken. Traditional wealth management is structurally inaccessible — 1.5% fees and six-figure minimums mean less than half a percent of European households are served. Neobrokers gave 10 million Europeans cheap access but no signal layer — the average user underperforms benchmarks. And social trading platforms like eToro live in CFD-land with mounting regulatory pressure. The proven mechanism — copy verified professional strategies — works in the US but does not exist licensed in Europe."

Visual direction:

Three columns, equal weight. No bullets.
Each column: bold one-word category, three short data lines.
Kill-line below in full width.
Restraint is the point.

SLIDE 3 — THE INSIGHT

On-slide:

Copy-investing doesn't scale on raw equities.
It scales on structured wrappers.

Cross-border tax. Fractional execution. Liquidity matching.
MiFID suitability. These problems break US-style direct
replication in Europe.

Stratify wraps each Pilot's strategy in a regulated
structured product.

Same user experience. Different — and only viable —
underlying architecture.

Speaker (60s): "This is the insight that took us 30 years of structured products experience to see. American players replicate trades directly — Pelosi buys Nvidia, you buy Nvidia. That works in a single tax jurisdiction with deep fractional infrastructure. It does not work across 30 EEA markets with different tax regimes, withholding rules, and execution venues.

Every European copy-investing attempt has hit this wall.

Stratify's edge is structural: each Pilot's strategy lives inside a regulated structured product. The user sees a clean copy experience. Underneath, the architecture is something only someone who has issued 150+ structured products can build."

Visual direction:

Split layout. Left: the headline + insight prose.
Right: simple two-layer diagram. UX layer (top, clean), wrapper layer (bottom, technical).
One vertical connector between them.

SLIDE 4 — WHY NOW

On-slide:

Four forces converging in 2026.

US PROOF                          NEOBROKER PRESSURE
Autopilot                         Trade Republic
$750M AUM                         €12.5B valuation
80k+ paid subscribers             €150B AUM
$11M ARR                          PFOF revenue
~$7M total raised                 banned EU-wide 2026

REGULATORY CLARITY                STRUCTURAL TAILWIND
FMA Liechtenstein                 41% of Europeans
VVG license                       don't fund private
EEA passport                      retirement.
12-month path                     Pensions: 46% → 37%
                                  by 2070

Speaker (75s): "Why now isn't theoretical. Autopilot just proved the model — $750 million AUM, $11 million ARR, raised only $7 million. It works. At the same time, European neobrokers are about to lose payment-for-order-flow revenue when the EU ban hits in 2026 — Trade Republic and Scalable need new monetization, and a B2B copy-investing API is exactly that. Regulatory pathways are clearer than ever — FMA Liechtenstein is the fastest EEA gateway with a 12-month timeline. And the structural tailwind is real: 41% of Europeans don't fund private retirement, state pensions are collapsing from 46% to 37% of retirement income. This window is open right now."

Visual direction:

2×2 grid. Each cell: short bold label + 4-5 data lines.
No icons. Numbers are the visual language.
Sources footer in small caps at bottom.

SLIDE 5 — PRODUCT

On-slide:

Stratify in three screens.

[1] ONBOARDING + SUITABILITY
    4-question MiFID II Art. 25(2) check
    Including loss-bearing capacity

[2] PILOT SELECTION
    Single-Pilot at launch
    Concentrated curation by design — multi-Pilot in v1.5

[3] AUTOMATIC ALLOCATION
    Proportional replication
    Documented failure handling for partial fills,
    slippage, and execution timing

iOS + Android simultaneous launch.
DACH at launch · 30 EEA markets via FMA passport.
PRD v1.0 complete: 583 lines, ready to ship.

Speaker (60s): "Three screens, end-to-end. Onboarding is MiFID II suitability — four questions, including loss-bearing capacity per Article 25(2). Then Pilot selection. We launch with a single Pilot constraint by design: concentrated curation beats diluted choice at MVP stage. Multi-Pilot in v1.5. Then automatic proportional allocation with documented failure handling for partial fills, price slippage, and execution timing. PRD is 583 lines. Antonios has spec'd this to ship."

Visual direction:

Three phone mockups side by side.
Dark theme, editorial typography, accent color on key CTAs only.
No app-store-style flourishes (no gradients, no glow, no shadows).

SLIDE 6 — BUSINESS MODEL

On-slide:

B2C and B2B in parallel. Not sequence.

CONSUMER                          INFRASTRUCTURE
Management fee + performance      API license to neobrokers
fee on mirrored AUM
                                  Per-seat fee + revenue share
Pilot revenue share via           on hosted AUM
Stripe Connect
                                  Three target partners
Target ARPU: €120 / year          pre-identified
(Autopilot benchmark + EU
pricing tolerance)                Wedge: PFOF replacement
                                  revenue narrative

Speaker (60s): "Two revenue streams from day one. Consumer side: management fee plus performance fee on assets that mirror Pilot strategies, with a revenue share to Pilots via Stripe Connect. Autopilot's blended ARPU sits around €130 — we model conservatively at €120. Infrastructure side: our licensed wrapper makes us the only API a regulated neobroker can integrate without rebuilding compliance from scratch. Three named target partners. Discussions begin month 4 alongside consumer launch. B2B exit thesis is baked in from day one — not deferred."

Visual direction:

Two columns, equal visual weight.
No "B2C → B2B" arrow. Parallelism is the message.

SLIDE 7 — MARKET

On-slide:

The math.

TAM   European retail investing AUM       ~€3T
SAM   European neobroker user base        ~25M users
      (Trade Republic 10M, Scalable 1M+,
      BUX, Lightyear, Robinhood EU, others)

SOM   Year-3 target
      50,000 paid subs × €120 ARPU        = €6M ARR (consumer)
      + 1 B2B partnership                 = €2-4M license value

Bottom-up sanity check:
Autopilot captured ~0.1% of US neobroker users in 4 years.
European equivalent = €3M ARR floor. B2B is linear upside.

Speaker (60s): "Three trillion euros in European retail investing AUM. The addressable segment — neobroker users already comfortable with mobile-first investing — is 25 million and growing 100,000+ per month at Trade Republic alone. Our 36-month target is 50,000 paid subscribers plus one B2B partnership. That's €8-10 million ARR in the base case. Bottom-up sanity check: Autopilot captured 0.1% of US neobroker users in four years. Replicating that in Europe is our floor, not our ceiling."

Visual direction:

TAM/SAM/SOM stacked vertically, monospace numbers.
Bottom-up check as a separate boxed note below.
No funnel graphics — numbers stand alone.

SLIDE 8 — COMPETITION

On-slide:

The empty quadrant.

                       DIRECT REPLICATION    STRUCTURED WRAPPER
                       
FULLY LICENSED         Robo-advisors         STRATIFY
(MiFID)                (Scalable Wealth,     ← empty quadrant
                       Liqid)
                       — no copy-investing

UNLICENSED / CFD       eToro                 None
                       NAGA                  
                       ZuluTrade
                       Autopilot (US)

Speaker (60s): "Two-by-two. Horizontal: direct equity replication versus structured wrapper. Vertical: unlicensed CFD versus fully licensed MiFID. eToro, NAGA, ZuluTrade sit in the bottom-left — CFD-driven, mounting regulatory pressure. Robo-advisors are licensed but don't do copy-investing. Autopilot is bottom-right adjacency — US-only, increasingly facing regulatory scrutiny around STOCK Act dynamics. The top-right — licensed plus structured wrapper — is empty. That's our position, and it's structurally hard to copy because of Philipp's 30 years of issuance experience."

Visual direction:

Clean 2×2 grid. Player logos placed in their quadrants.
Stratify highlighted with accent color + thin border.
The empty quadrant is the story.

SLIDE 9 — GO-TO-MARKET

On-slide:

Two parallel tracks. Both live from month 1.

TRACK A — CONSUMER                TRACK B — INFRASTRUCTURE
                                  
DACH launch via Zürich            Outreach starts month 4
founder network + Philipp's       
structured products distribution  Target partners:
                                  Trade Republic, Scalable, BUX
First 100 users from named        
channels: Finanzfluss,            Wedge: post-PFOF revenue
r/Finanzen, specific Telegram     replacement narrative
trading groups                    
                                  LOI target: month 12
Pilot supply via Philipp's        
30-year sell-side network
3 Day-1 Pilot personas
pre-identified

Speaker (60s): "Two tracks, parallel. Consumer track: DACH launch through Zurich network and Philipp's structured products distribution. First 100 users come from named channels — Finanzfluss, r/Finanzen, specific Telegram trading groups. Pilot supply — the harder side of any marketplace — comes from Philipp's 30-year sell-side network. We have three Day-1 Pilot personas already identified. Infrastructure track starts month 4. The wedge is PFOF replacement — neobrokers lose order flow revenue in 2026, we offer a new ARPU layer. LOI target by month 12."

Visual direction:

Two horizontal swimlanes, parallel, both starting at month 1.
Reject any "Phase 1 → Phase 2" framing — visual must show parallelism.

SLIDE 10 — MILESTONES

On-slide:

Where we are. Where we go.

DONE                              NOT DONE (and we say so)
PRD v1.0 (583 lines)              No users
Co-founder team locked            No revenue
Regulatory pathway identified     No LOIs
EUIPO trademark in progress       No license filed yet

12 months from funding:

Q1   License filing initiated (FMA Liechtenstein)
Q2   MVP build complete · Pilot persona conversion
Q3   Beta launch DACH · First 1,000 users · 1 Pilot live
Q4   License granted · Public launch · 2 Pilots live
     · 1 B2B LOI in flight

Speaker (60s): "We're not going to fake traction. Today: PRD is done, team is complete, regulatory pathway is clear, trademark in process. What's not done: no users, no revenue, no LOIs, no license filed. That's honest pre-seed. What pre-seed actually buys is execution probability — and here's our 12-month plan in four quarters, each with measurable milestones. By month 12: license granted, product live, two Pilots active, first B2B LOI in flight."

Visual direction:

Two-row structure. Top row: status (done vs. not done, side by side, equal weight).
Bottom row: quarterly milestone strip, Q1 through Q4 left-to-right.
Honesty above the fold is the credibility move.

SLIDE 11 — TEAM

On-slide:

TOBIAS TEMMEN                     PHILIPP SPRENGER, CIIA
CEO / Capital & Strategy          Co-Founder / Structuring & Sales
                                  
€1.5B+ deployed                   150+ structured products issued
30+ ventures                      $1B+ notional volume
MIT REAP European Advisor         Founder, Camino Capital Partners
Kellogg-WHU EMBA                  ex-GenTwo
20 yrs VC, PE, structured         30 yrs B2B sell-side
finance                           distribution

                ANTONIOS STERGATOS
                Co-Founder / Product & Compliance
                
                Managing Consultant Financial Services
                Eraneos (ex-AWK Group), Zürich
                WHU MBA
                10+ yrs bank tech and regulatory
                implementation

This team has shipped, sold, and structured the exact instruments
Stratify is built on — for 30+ years collectively.

Speaker (45s): "Three founders. The combination — capital architect, structurer, and compliance product lead — is the exact spec of what this business requires. Philipp alone has issued more structured products than every consumer-fintech founder in Europe combined. Antonios has built the regulatory implementation side for Swiss and German banks for a decade. This is asymmetric founder-market fit."

Visual direction:

Three columns OR 2 + 1 layout.
Headshot, name, role label.
Credentials as short flat list — no bullet points, no icons.
Kill-line in bold below all three.

SLIDE 12 — THE ASK

On-slide:

Pre-Seed Round · CHF 500,000
SAFE / Convertible Note · 12-month runway

USE OF FUNDS

40%   License filing + regulatory counsel (FMA Liechtenstein VVG)
30%   MVP build (iOS + Android, full PRD scope)
20%   Founder + key hire compensation
10%   Pilot acquisition + first 1,000 user funnel

LOOKING FOR

One lead investor (CHF 200-300K)
3-5 strategic angels / co-investors
Preferred: structured products distribution networks,
neobroker relationships, EU fintech regulatory experience

—

The licensed infrastructure layer for European retail
copy-investing — with B2B API exit thesis baked in
from day one.

Speaker (60s): "CHF 500,000. SAFE or convertible note, terms standard. 12-month runway to license, MVP, beta launch, and first B2B LOI. 40% goes to the license — the non-negotiable foundation. 30% to MVP build. 20% to founder compensation and one key hire — senior backend engineer. 10% to user acquisition and Pilot recruiting. We're looking for one lead at CHF 200-300K and a syndicate of 3-5 strategic angels — ideally with structured products distribution networks, neobroker relationships, or EU fintech regulatory experience. If that's you, we should talk."

Visual direction:

Number CHF 500,000 large and prominent.
Use-of-funds as horizontal stacked bar or 4-column breakdown.
Closing kill-line at bottom — slightly larger type, in accent color.

APPENDIX (separate from main deck — for Q&A and due diligence)

A1 — Regulatory Roadmap

FMA Liechtenstein VVG license process, timeline, estimated cost (~€150-250K setup + ongoing compliance), comparable precedents, fallback option (BaFin Tied Agent under existing AIFM).

A2 — Financial Model

5-year P&L, cash flow, scenario analysis (base / bull / bear), unit economics by segment, regulatory cost line, hiring plan, runway scenarios.

A3 — Competitive Teardown

Detailed analysis of eToro, NAGA, ZuluTrade, Autopilot, Robo-advisors (Scalable Wealth, Liqid), and emerging EU players. Feature matrix, regulatory positioning, fee structures, geographic coverage.

A4 — Pilot Personas

3 named (anonymized) Day-1 Pilot personas from Philipp's network. AUM range, trading frequency, follower convertibility estimates, revenue share economics.

A5 — Technical Architecture

Trade Propagation Engine spec, proportionality formula, failure handling matrix, Single-Pilot constraint rationale, suitability flow, broker integration architecture.

A6 — Risk Matrix

FMA license delay → Mitigation: BaFin Tied Agent backup plan
Pilot cold-start problem → Mitigation: pre-identified Pilot personas via Philipp's network
Neobroker sales cycles (12-24 months standard) → Mitigation: Consumer track is independent
Liquidity slippage in trade propagation → Mitigation: PRD-documented failure handling

PRODUCTION NOTES

Total slides: 12 main + 6 appendix Time budget: 8-10 minutes for main deck, 5 minutes Q&A on appendix File formats expected: Source in Figma / Pitch / Gamma, exported to PDF Design system: Editorial Dark Finance (specified in PRD v1.0) Tone audit: No buzzwords, every number sourced, no false precision Honesty check: Slide 10 explicitly admits no traction — this is the credibility move

v1.0 — May 2026