Information
Memorandum

EXPI (expi.digital) is a next-generation neo-bank and mobility super-app that unifies financial services, transportation, and blockchain rewards into a single, seamless ecosystem. We are building the operating system for the borderless generation — people who live, work, and move across geographies and expect their financial infrastructure to keep pace.

Our tagline — "Smarter whilst moving you into the future!" — captures the dual promise: intelligent financial tools that improve as users move and engage with the platform. EXPI is not merely a banking app. It is a mobility super-app powered by the EXPR token, our proprietary blockchain reward currency that users earn through every transaction, trip, and step taken.

The platform is architected around five core tabs: Home (accounts & cards), Wallet (8+ currencies, Visa), Move (mobility marketplace), Crypto (EXPR token, staking, DEX), and Rewards (Move-to-Earn marketplace). Pre-Seed funding has been successfully closed. The Seed Round is now open.

While the consumer platform is pre-launch, EXPI is not starting from zero. Through our partnership with Roam — Offices of the Future, we operate a global virtual office that gives us an immediate, compliant presence across key markets. We also carry forward established operations and an existing client base in the United Kingdom and Dubai (UAE), with registered addresses in both — relationships we will migrate onto the EXPI platform at launch.

The Seed Round is a $1,500,000 raise at a $15,000,000 pre-money valuation ($16,500,000 post-money).

Today's financial and mobility systems are fragmented, expensive, and inaccessible to the world's fastest-growing populations. There are three systemic failures we address:

EXPI is a unified super-app that merges four previously separate industries into one intelligent platform — delivered through five intuitive tabs:

EXPI sits at the intersection of three mega-trends: the rise of the neo-bank, the explosion of mobility-as-a-service, and the mainstreaming of blockchain rewards. Our beachhead markets — Australia & New Zealand, sub-Saharan Africa, Southeast Asia, MENA, and Latin America — represent the largest untapped pools of mobile-first consumers, with growing smartphone penetration, high remittance volumes, and a near-total absence of integrated mobility-finance solutions.

1.7 billion adults remain unbanked globally, with the fastest-growing smartphone adoption in Sub-Saharan Africa (+28% YoY), Southeast Asia (+19% YoY), and Latin America (+22% YoY). These regions are simultaneously experiencing rapid urbanisation and a middle-class mobility boom — creating a perfect storm for a unified financial + mobility platform.

EXPI is built on a modern, cloud-native stack designed for global scale and regulatory compliance across multiple jurisdictions:

EXPI operates a tiered identity verification system for both consumers (KYC) and business partners (KYB), built on the HAVEN biometric engine and compliant with FATF, AML, and local regulatory standards.

EXPR is the native utility and reward token of the EXPI platform, used across blockchain and DeFi contexts within the app for staking, rewards, and in-app transactions.

The Pre-Seed round is closed and early platform development is underway. We already run a global virtual office through our Roam — Offices of the Future partnership and hold live operations and clients in the United Kingdom and Dubai (UAE) that will be onboarded at launch. The following milestones are targeted for 2026:

The allocations above are based on the $1,500,000 Seed raise.

The following projections are forward-looking estimates based on market assumptions and are not guaranteed.

To proceed with due diligence, request the full data room, or schedule a management call, please contact our investor relations team: