IVY: Instant, Fee-Free Payments Powered by Ethereum Stablecoin
Revolutionizing transactions with blockchain-backed stablecoin rails
Founded in 2025 | Seeking $10M Seed Funding

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Credit Card Fees Are Crushing Merchants
The traditional payment system is broken, costing merchants a staggering $187 billion in fees annually. These 2-4% transaction fees are more than just numbers—they're crippling businesses by delaying critical cash flow and eroding already thin profit margins.
Meanwhile, fraud continues its relentless climb, with 79% of organizations affected in 2024 alone, creating additional financial strain and undermining customer trust.
Recognizing this crisis, the US government is implementing new policies to reduce merchant fees, including the Credit Card Competition Act and Federal Reserve regulations targeting interchange fee caps. However, these legislative changes face strong industry resistance and will take years to fully implement—creating an immediate opportunity for innovative payment solutions.

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$3.1T Payments Market + $230B Stablecoin Surge
$3.1T
US Payments Market
Total addressable market size with massive growth potential
$230B+
Stablecoin Market Cap
Rapidly expanding sector with institutional adoption
$908B
Ethereum Volumes
Transaction volume in April 2025 showing mainstream traction
Proven Success: Real-World Case Studies
Brazil's Pix Revolution
Launched in 2020, Pix transformed Brazil's payment landscape with instant, fee-free transfers. Within 4 years:
  • 130 million users adopted the system
  • $1.2 trillion in annual transaction volume
  • Reduced merchant fees by 70%
  • Enabled financial inclusion for 30% of previously unbanked
Pix's success demonstrates the massive appetite for fee-free, instant payment solutions in large markets.
India's UPI Transformation
The Unified Payments Interface (UPI) revolutionized India's digital payments ecosystem:
  • 13.2 billion transactions monthly by 2024
  • $200 billion in monthly transaction value
  • Zero transaction fees for consumers
  • 99.9% system uptime and reliability
UPI's phenomenal growth shows how government-backed, fee-free payment rails can rapidly capture market share and drive economic transformation.

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IVY: AI-Powered, Fee-Free Ethereum Stablecoin Payments
Instant Transfers
Custom USD-pegged stablecoin on Ethereum enables real-time settlements without traditional banking delays
Zero Fees
Eliminate the 2-4% transaction fees that plague merchants by leveraging blockchain efficiency
AI-Powered
Scan and pay and Tap to pay technology with GPS validation creates data rich frictionless payment experiences
Our programmable, transparent payment rails maintain the familiarity of traditional payment systems while harnessing the revolutionary power of blockchain.
Scan and Pay
Tap to Pay

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Seamless Blockchain Payment Flow
Consumer Scans Product
AI-powered app builds USD cart and applies any eligible discounts
USD Converted to Stablecoin
Deposit to reserves, mint IVY-USD (1:1 peg via smart contract)
Stablecoin Transferred
User to merchant wallet; AI fraud check, Ethereum tx (<1 min)
Merchant Converts Back
Optional: Burn stablecoin, release USD to bank account
Ethereum layer-2 technology ensures transaction costs of only ~$0.60 with confirmation times under one minute. RFID verification adds an extra layer of security while all data is anonymized for valuable market insights.

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AI Defense + Guarantee
Our multi-layered security approach:
AI Anomaly Detection
Machine learning algorithms flag unusual patterns in real-time, reducing fraud by 90% compared to traditional systems
Blockchain Transparency
Immutable transaction ledger creates auditable trail while preserving customer privacy
$1,000 Guarantee
We stand behind our security with comprehensive fraud protection for both merchants and consumers
Our AI security system learns continuously from millions of transactions, becoming more effective with every payment processed.

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Business Model and Monetization Plan
Primary Revenue Stream
Monetize anonymized consumer purchasing behaviors through aggregated insights derived from:
  • Product scanning patterns
  • GPS location data
  • Transaction frequency and timing
  • Purchase correlations and preferences
These valuable data insights are sold to brands, retailers, and advertisers for targeted marketing, trend analysis, and loyalty program optimization.
Revolutionary Zero-Fee Model
Unlike traditional payment processors that extract 2-4% transaction fees, IVY offers completely fee-free payments while generating sustainable revenue through anonymized market intelligence.
Compliant opt-in data collection creates valuable insights without compromising privacy or security, ensuring consumer trust while delivering actionable business intelligence.

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Outpacing Fee-Heavy Rivals
Our Ethereum-powered infrastructure provides technological advantages that traditional payment systems simply cannot match, creating an insurmountable competitive moat.

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Momentum in Stablecoin Boom
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Q3 2025
Beta launch with 50 select retailers in major metropolitan areas
5,000 early adopters onboarded through exclusive partnership program
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Q1 2026
Full public launch across US market with 500 retail partners
50,000 active users, $10M in monthly transaction volume
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Q4 2026
Expansion to European markets with localized stablecoin options
100,000 active users, $100M in monthly transaction volume
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Q2 2027
Launch of premium data insights platform for enterprise clients
1M active users, $1B in annual transaction volume

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Proven Leaders in Retail, Banking, AI, Tech
J Chung, CEO
Built 2 retail organizations from 1st employee to 1,000+ producing over $150m in revenue
Previous board member of $1B financial institution
USC, 20 years retail, finance, entrepreneurship
A Gressak, CBO
Former CCO/CEO of $1B bank
Led digital transformation initiatives across financial sector
Harvard Business School, former McKinsey consultant
K Vohra, CTO
AI expert with multiple successful blockchain projects
Led development team for cross-border payment system
MIT Computer Science, 10+ patents in fintech
P Cheng, CPO
Fortune 500 CTO
Developed Philippines P2P payment app with 5M users
UC Berkeley Engineering, early Ethereum contributor

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Profitable Path
Our data-driven revenue model becomes increasingly profitable as we scale, with Year 3 projections showing $15M revenue and $6M profit in a $3.1T market. This represents less than 0.1% market penetration, demonstrating our massive growth runway.

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Ethereum-Centric Tech for Scalability & Security
Frontend
React Native/Flutter with Web3.js for wallets; supports AI camera/GPS integration for seamless user experience
Backend
Node.js/FastAPI + Solidity for smart contracts (mint/burn functions) with enterprise-grade security protocols
Blockchain Layer
Ethereum layer-2 (Optimism/Arbitrum) for <1 min transactions, $0.60 fees; Chainlink oracles for maintaining stablecoin peg
AI/ML
TensorFlow Lite for scans/fraud; AWS Fraud Detector adapted for Web3 with proprietary blockchain validation models
Our infrastructure runs on AWS/GCP with Infura for blockchain integration. Docker/Kubernetes enables rapid scaling to meet demand surges. Total build cost: $200k-$400k with substantial competitive moat.

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Invest in Blockchain Disruption
$20M Seed at $100M Valuation
40%
Development
Scaling tech team and finalizing platform development
30%
Marketing
Merchant acquisition and consumer awareness campaigns
20%
Operations
Scaling customer support and compliance infrastructure
10%
Reserve
Working capital and stablecoin backing reserve
Join us in riding the $230B stablecoin wave that's transforming global finance. IVY is positioned at the intersection of two explosive growth markets: digital payments and blockchain technology.
With our proven team, innovative technology, and clear path to profitability, we offer a compelling opportunity to disrupt the payments industry at a fundamental level.

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Key Sources
Market Data
  • Ethereum volumes: Tech in Asia Market Report 2025
  • Stablecoin adoption: The Block Crypto Intelligence
  • Payment market size: McKinsey Global Payments Report
  • Merchant fee analysis: Federal Reserve Economic Data
Regulatory Framework
  • GENIUS Act provisions: Congress.gov H.R.5737
  • Stablecoin guidelines: Reuters Financial Regulation Summit
  • Cross-border compliance: Financial Action Task Force
  • Data privacy standards: EU GDPR & California CCPA
Our approach is built on rigorous analysis of current market data and thorough understanding of the evolving regulatory landscape in blockchain payments.

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