TrustLinq CH AG | Institutional Seed+ Round

The Infrastructure Advantage

Built different.
From the ground up.

Most fintech infrastructure is custodial, jurisdiction-limited, and built on legacy rails. TrustLinq is none of those things. Here is why that matters.

Swiss Regulated

SO-FIT License 1531

TrustLinq operates under a FINMA-recognised SRO license issued by SO-FIT, the same supervisory framework used by Swiss financial intermediaries operating within the FINMA ecosystem. Our business model was reviewed and structured in close collaboration with Niederer Kraft Frey (NKF), one of Switzerland's leading financial law firms, confirming full compliance under Swiss financial law. This is institutional-grade regulation, not a registration.

No Jurisdiction Limitations

Global Reach

Switzerland sits outside the EU's MiCA regulation and the UK's FCA crypto asset registration regime. TrustLinq is not subject to those frameworks' geographic restrictions and can onboard individuals and businesses internationally, with no EU passporting dependency and no FCA gating. The only exclusions are sanctioned jurisdictions under Swiss law.

Swiss Financial Privacy

Legally Protected

Switzerland maintains some of the most rigorous financial privacy protections in the world. Information sharing with foreign authorities only occurs through individually negotiated bilateral treaties, subject to strict Swiss data protection requirements. There is no unilateral or blanket disclosure of client financial data. Swiss law actively protects client confidentiality as a default, not as an exception.

Tier-1 Settlement Partners

Live & Operational

TrustLinq routes settlements through Ripple Payments, Tipalti, and Thunes, three of the most established names in institutional cross-border payment infrastructure. All three are live and operational. Access to these rails took years to establish and cannot be replicated quickly by a new entrant.

Self-Custodial Infrastructure

Non-Custodial

Clients never surrender control of their digital assets to TrustLinq. Unlike exchanges that take custody the moment you deposit, our smart-contract architecture ensures client digital assets are never held in TrustLinq's custody at any point. Once converted to fiat, funds are routed through TrustLinq's regulated accounts solely for execution and onward settlement. Never held, never pooled. In a post-FTX world, that is not a feature. It is the only acceptable architecture.

No Exchange. No Off-Ramp. No Bank Account.

First Globally

Every alternative on the market today requires at least one of these: an exchange account to convert, an off-ramp into your own bank account first, or a named IBAN as an intermediate step. TrustLinq eliminates all three. Top up with crypto. Send a fiat bank transfer to anyone, anywhere in the world. The sender needs nothing but a self-custodial wallet. The recipient needs nothing but a bank account.

Infrastructure Architecture

Non-Custodial Allowlist Logic

A purpose-built security and settlement (smart-contract) architecture that keeps full key control with the user while enabling instant global fiat payouts.

Step 1 Non-Custodial

Dedicated User Wallet

Issued per user. Activated only after a satoshi verification test or cryptographic contract signing from the user's self-custodial wallet. Full key control remains with the user at all times.

Step 2 Allowlist Logic

Hack & Drain Protection

Security architecture prevents all external drains. Each issued smart-contract wallet is designed to only transfer crypto to the client's verified self-custodial wallet or TrustLinq's integrated exchange partners.

Step 3 Integrated Liquidity & FX

Triple-Engine Off-Ramp Execution

When a user initiates a fiat payment, the crypto is systematically routed directly through Ripple, Tipalti, and Thunes. All three partners serve as a unified settlement layer, acting simultaneously as our primary liquidity off-ramp providers and institutional FX conversion engines. Tier-1 crypto exchanges (Kraken, Binance, WhiteBit) are maintained via API as high-redundancy backup liquidity pools.

Step 4 Cross-Border Settlement

Global Payout Architecture

Fiat settlement and instant distribution rails bypass SWIFT in many cases, across 190+ payout destinations and 60+ local payout corridors. High-velocity cross-border flows are cleared via Ripple and Thunes rails, while enterprise-grade corporate mass-payouts and automated contractor distributions are routed via Tipalti.

Settlement Flow

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Self Custodial Wallet

Full key control retained

🛡️

TrustLinq Allowlist

Smart-contract enforced routing architecture

⚡

Primary Liquidity, FX & Settlement Rails

Ripple · Tipalti · Thunes (Triple-Engine)

🔄

Redundant Backup Liquidity

Kraken · Binance · WhiteBit (API Pools)

Operational Rail Network

Live Integration Stack

Every partner is live, contracted, or in final launch phase.

Banking & Settlement Rails

Ripple PaymentsLive

TipaltiLive

ThunesLive

Exchange APIs

KrakenLive

BinanceLive

WhiteBitLive

Card Programs

Phase 1: Live in 3 Months

Equals Group 3 Mo. Launch

Consumer and Corporate, EU & UK card issuance. Equals Group provides the regulated infrastructure for our first card program rollout.

Phase 2: In Discussion / 6 Months

Rain6 Mo. Launch

Bridge (Stripe)6 Mo. Launch

Strategic global expansion under active discussion with Rain and Bridge, a Stripe company, for broader program coverage.

Transparent Pricing

Variable Fee Architecture

Volume-tiered pricing that aligns platform incentives with client growth. High-volume clients unlock improved margins, and clients requiring additional compliance setup unlock improved platform revenue.

Tier	Monthly Volume (USD Equiv.)	Inflow Fee
T-1	< $5,000	2.25%
T-2	$5,001+	2.15%
T-3	$10,001+	2.05%
T-4	$15,001+	1.95%
T-5	$25,001+	1.85%
T-6	$50,001+	1.70%
T-7	$100,000+	1.60%

Payment Method	EUR	USD
SEPA / Faster Payments / BACS / ACH	€5	$5.75
Global ACH	€12	$14
SWIFT	€35	$40

Tier	Volume (USD Equiv.)	FX Spread
T-1	< $5,000	0.35%
T-2	$5,001+	0.30%
T-3	$15,001+	0.25%

Target Blended Yield

~2.5% – 3.0% core average blended take rate

Three Stacking Revenue Layers

Tiered Inflow Fees

1.60% – 2.25% per transaction volume tier

FX Conversion Spread

0.25% – 0.35% embedded in the exchange rate

Flat Outgoing Payout Fees

$5.75 – $40 per payout, insulating against network cost-bleed

Margin Optimization

+0.65%

EDD Surcharge

Applied to client setups that require Enhanced Due Diligence, directly improving net margins on those accounts at no additional operational cost.

+ Ecosystem Upside (Pipeline)

Phase 1/2 Launch

+~0.85%

Card Program Interchange Layer

Expected additional net yield of ~0.85% on card transactions through consumer and corporate card programs via Equals Group, Rain, and Bridge integrations, compounding directly on top of core processing revenue.

Phase 3

SaaS + Rev-Share

B2B Infrastructure & White-Label

Recurring SaaS and API access fees paired with a volume profit-share from neobanks and fintechs natively inheriting TrustLinq's Swiss compliance infrastructure. High-margin, low-marginal-cost revenue at scale.

Investment Opportunity

Institutional Seed+ Expansion Round

Live infrastructure, proven traction, and a validated go-to-market. Raising to scale the engine.

€3,000,000

Round Size

Institutional Seed+ Expansion

€12,000,000

Pre-Money Valuation

SO-FIT Supervised Entity

€15,000,000

Post-Money Valuation

Post-Close Implied Value

20.0%

Investor Equity

Target Dilution on Close

Capital Efficiency & Baseline Health

€100K

Net Burn / Month

30 Mo.

Operational Runway

18 Mo.

EU Tech Benchmark

A €3M raise provides a 30-month baseline operational runway at our current pace. Accounting for our planned, aggressive marketing acceleration, allocating 50% of proceeds directly into scaling enterprise and consumer acquisition. The optimized growth runway is projected at 18 months, perfectly aligned with institutional venture benchmarks.

Because our infrastructure, regulatory licensing (SO-FIT 1531), and Tier-1 integrations (Ripple, Tipalti, Thunes) are already fully built and operational, incoming capital is concentrated entirely on active customer acquisition and volume scaling, not funding high-risk tech experimentation or bloated engineering overhead.

100+

Live Active Accounts

Onboarded under strict Swiss regulatory AML requirements

~$500K

Settled Payment Volume

Processed securely within the first 2–3 months of operations

$2,500

Avg. Retail Transaction

Per individual payment processed through our retail channel

$20,000

Avg. Corporate Transaction

8x the retail average, where the real revenue is generated

Use of Funds: €3,000,000

50%

Scaling Paid Growth & Enterprise Marketing

Deploying our proven ~€15 average CPA to unlock mass-market customer volume at scale

30%

Compliance & Operations Automation

Scaling automated KYC pipelines to eliminate the Swiss onboarding bottleneck and clear the active account backlog

20%

Technical Product Scaling & Localized Enterprise Sales

Feature expansion and in-market enterprise sales deployment across priority corridors

IaaS / B2B Infrastructure

TrustLinq Core API & White-Label Infrastructure

TrustLinq is evolving beyond a payment platform into a core Web3 B2B2C Infrastructure Layer. Our upcoming Developer API and modular White-Label suite allows third-party institutions, fintechs, and neobanks to natively integrate and launch their own crypto-to-fiat payout ecosystems and crypto-backed card programs directly inside their existing user interfaces, powered by TrustLinq's underlying regulated Swiss framework, without touching licensing or compliance overhead.

Developer API

REST + webhook connectivity enabling any fintech to integrate crypto-to-fiat payouts with a few API calls.

White-Label Suite

Full UI/UX white-labeling. Institutions launch their own branded crypto payment and card products overnight.

Regulated Framework

Partners operate under TrustLinq's SO-FIT license, leveraging our compliance infrastructure and Tier-1 rail partnerships without any regulatory build cost of their own.

Expansion Strategy

Global Footprint & Regulatory Leverage

TrustLinq's expansion model is deliberately asset-light. Rather than pursuing costly regional licenses independently, we deploy our services into new territories by directly leveraging the existing native local licenses of our Tier-1 partners: Ripple, Thunes, and Tipalti, enabling accelerated time-to-market without regulatory friction or capital-intensive entity setup.

🇺🇸

North America

Programmatic expansion into the US market leveraging Ripple's US money transmission licenses and Tipalti's established ACH and wire infrastructure for enterprise corporate payouts.

🌎

Latin America (LatAm)

Rapid corridor deployment into Brazil, Mexico, Colombia, and Argentina via Thunes' deep LatAm local payment network, covering real-time local bank transfers and mobile wallet payouts.

The 12-Month Ecosystem Flywheel

From cross-border payout utility to a comprehensive Web3 Neo-Bank ecosystem, across three phases that create a closed-loop, defensible processing flywheel across consumer, corporate, and merchant verticals.

Phase 1: Live in 3 Months

Consumer & Corporate Cards

Unified card programs via Equals Group, enabling users and businesses to spend digital assets on daily retail transactions alongside global heavy-bill bank transfers.

Phase 2: In Discussion / 6 Months

Global Card Expansion

Strategic international card infrastructure expansion via Rain or Bridge (Stripe) for broader global coverage beyond EU & UK markets.

Phase 3: Within 12 Months

B2B Crypto Gateway

Businesses accept crypto directly from customers, hold it in secure TrustLinq wallets, and instantly deploy it for payroll, corporate spending, and B2B fiat settlement, creating a closed-loop processing flywheel.

Phase 3: Within 12 Months

API & White-Label Infrastructure

Third-party fintechs and neobanks integrate TrustLinq's regulated rails via Developer API or white-label suite, launching their own crypto-to-fiat and card products without building compliance or licensing from scratch.

Let's Talk

Reach out directly to either founder to discuss the opportunity, request materials, or access the data room.

Lili Metodieva

Co-Founder, Operations & Compliance

Close to 20 years in regulated payments, card acquiring, and crypto infrastructure. Has built and scaled licensed fintech institutions across the UK, EU, Switzerland, and Canada, with deep expertise in AML/KYC frameworks, regulatory execution, and partner management. Previously founded Paylogiq, a white-label payments SaaS, which was sold in 2024.

[email protected] LinkedIn

Ben Veenstra

Co-Founder, Product & Technology

Close to 20 years building regulated infrastructure across payments, crypto on/off ramps, card issuing, and digital identity. Founded a UK-licensed institution processing virtual IBANs and mass payouts, and Chaindentity, an on-chain identity platform acquired in 2024. Track record of taking concept-stage ideas to institutional-grade production.

[email protected] LinkedIn

Your Crypto.Their Bank Account.

Built different.From the ground up.