The Slide Deck
- Slide: Our Mission
- Slide: Slide: The Challenge/Problem
- Slide: Our Solution
- Slide: Business Model – How it Works
- Slide: Market Opportunity
- Slide: Competitors
- Slide: Financial Projections
- Slide: Investment Opportunity
- Slide: Proof of Concept
- Slide: Team
- Slide: Roadmap
JP3’s “The Pitch”
“‘The Pitch’ is a presentation designed to attract investors to invest in exchange for equity in JP3 Financial (JP3), a Monterrey-based fintech redefining payments and loyalty. It consists of 11 slides that introduce JP3, highlight the problem of ~54M unbanked Mexicans (63%) and the challenge of sustaining retail growth through loyalty, present our AI-powered debit card solution, outline our $5M USD ask for 11% equity, and detail our business model, with a projected $34.82M USD profit by 2028. Following UBS guidelines, we crafted a narrative that flows from problem to solution to impact, using clear visuals, concise slides, and public data (e.g., Global Findex 2021, GSMA 2021) to ensure credibility for investors and press. Tailored for JP3, it emphasizes our HKNMx partnership, AI-driven innovation, and a $50B USD market opportunity, balancing emotional storytelling with logical financial projections.”
Redefining Payments and Customer Loyalty
JP3 redefines payments by making them secure, affordable, and inclusive while reimaginig customer loyalty as an integrated value-driven experience.
Slide 01 – Our Mission
To be a world-class company delivering a secure, user friendly platform that redefines payments and loyalty. We optimize cost-benefit for money access and movement—connecting traditional and emerging markets with seamless retail and service payments while fostering customer loyalty and bridging the banked and unbanked.”
“Our mission is to redefine payments by integrating ~54M unbanked Mexicans (63%) and banked customers into a seamless, digital ecosystem, while building loyalty programs to retain users and drive retail growth. For example, HKNMx lost 1M hectoliters of beer sales after its OXXO exclusivity ended—a gap JP3’s loyalty solution can fill.
We are:
- Fintech startup; Monterrey, NL Mexico
- Electronics Payments – CNBV 8/5/2024
- Technology Platform: Card, Wallet, Loyalty, Cashless
- PofC Contract – HNKMx
Who is JP3 Financial?
JP3 Financial, a Monterrey, NL-based fintech, was approved by the CNBV on August 5, 2024, to operate as an Electronic Payments Institution. Since 2022, we’ve developed our tech platform, with founder JLP III investing $4M USD by Q1 2025, showcasing strong commitment. In June 2022, HKNMx issued a Letter of Intent to deploy our Proof of Concept in 1,000 of its 16,000 stores, positioning JP3 to lead Mexico’s $50B USD fintech market.”
Pre-Operational Approval: Expected within 90-120 days(May 2025), enabling us to fully launch operations.
Slide 02 – The Challenge/The Problem
Mexico’s Cash Trap: A $50B Door Opens
Nearly half of Mexico’s 92 million adults—45 million people—stick to cash, missing out on a $50B digital finance boom. This gap hurts shoppers, stores, and the unbanked—but change is coming.
The Challenge Ahead
The challenge is clear: unlock steady growth by pulling 45M unbanked into digital payments while keeping current users loyal.
Only a bold solution can turn this disconnect into opportunity!
The Details
- Exclusion Blocks Progress
Scale: 45M adults (49%) lack bank accounts, relying on cash for retail and services like water or recargas.
Impact: 42% of potential fintech users stay sidelined, slowing inclusion.
- Cash Costs Add Up
Scale: $15.5B in service payments (65% cash) plus retail deals mean fees and hassle.
Impact: 70% of small merchants cling to cash; digital options don’t connect.
- Loyalty Stays Untapped
Scale: HNKMx’s 16,000 stores handle 20M monthly transactions with no payment-loyalty link.
Impact: 700 fintechs compete, but few tie users to retailers.
Why It Matters
Market Gap: A $50B TAM ($36B fintech + $15.5B services) grows 15% yearly—45M unbanked hold the key.
Hook: With 83M smartphone users
Notes
Slide 03 – Our Solution
JP3 Financial cutting-edge technology platform cracks the cash trap with a single debit card—merging payments, services, and loyalty via Heineken Mexico’s (HNKMx) 16,000 stores.
We bridge 45M unbanked into a digital world, delivering $34.82M USD profit by Year 3.
JP3 Financial developed a Fintech Platform
- Digital Wallets
- Branded Debit Cards
- Loyalty Programs
- Cashless Solutions
- Future Services
Slide 04 – Business Model
How JP3 Generates Value and Revenue
- Transaction fees
- Promotional Revenue
- Future Revenue Streams
For Users:
- One low cost card
- Loyalty rewards
For HNKMx:
- PofC 1,000 stores
- Phase II 15,000+ stores(HNKMx)
For Investors:
- 11% Equity
- US$34.8 M by Year 3
47 M Mexican Potential unbanked users
JP3 Financial generates revenue through:
- Transaction Fees: Earned on card usage and digital wallet transactions.
- Promotional Revenue: Retailers pay to run targeted promotions via our platform.
- Future Revenue Streams: From planned remittance services, virtual assets, and financial products.
Value Proposition
- For Users: One card for retail and services, low-cost (~$2.25 USD/user), with rewards on every swipe—accessible to 47M unbanked.
- For HNKMx: Increased foot traffic, loyalty, and data insights from 1,000 stores in Phase I to 15,000 in Phase II.
- For Investors: High-margin, scalable revenue—$34.82M USD profit by Year 3 from a $10M investment for 11% equity.
How It Scales
- Phase I: 220 to 1,000 stores, proving the model with 30,000 users by Month 4.
- Phase II: 15,000 stores, 3M users, $75M USD income, $34.82M USD profit by Year 3—leveraging HNKMx’s reach and Mexico’s fintech boom.
The Bottom Line JP3’s lean, partner-driven model turns an $11M investment into a $90.9M valuation, delivering exponential returns through payments and loyalty.
Slide 05 – Market Opportunity
Capturing Mexico’s $50B USD Fintech Frontier
TAM: $50B USD—retail, enterprise, fintech.
Unbanked: 45M, 90% smartphones.
JP3 Share: $810K MXN to $1.52B MXN in 3 years.
Why Now: Retail digitizing fast.
Capturing Mexico’s $50B Fintech Frontier
Mexico’s fintech market is accelerating—JP3 Financial SAPi is positioned to lead with its HNKMx debit card platform. JP3 unifies retail, services (water, power, recargas), and loyalty.
- Unbanked Population: 47M adults (51%) rely on cash for retail and services.
- Fintech Market: $33B USD in 2022, growing 16% yearly, projected at $48B USD by 2025.<sup>2</sup>
- Service Payments: $15.2B USD in utilities/recargas, 70% cash-based.
- HNKMx Reach: 16,000 stores, 20M monthly transactions—a massive gateway.
- Total Addressable Market (TAM): $48B USD—$33B fintech payments + $15.2B services—targeting unbanked and digital users.
- Phase I: 30,000 users by Month 4 (1,000 stores) = $810K USD annualized revenue.
- Phase II: 3M users by Year 3 (15,000 stores) = $75M USD revenue, ~0.16% of TAM with vast potential.
- Regulatory Support: 2018 Fintech Law and CNBV approval (Aug 2024) drive inclusion.
- Digital Momentum: 16% growth, 88% smartphone penetration (81M users) fuel demand.
- Cash Gap: 70% small merchants cash only.
The Prize $10M for 11% equity seeds a $90.9M valuation in a $48B market—delivering $34.82M USD profit by Year 3.
Slide 06 – Competitors
JP3 vs. The Field
| SPIN – OXXO | Cashi – Walmart |
| Stori | Clip |
| Prometeo | Bitso |
| Techreo | Pomelo |
| Konfio | Clara |
| Revolut | PaySafeCard |
| Nelo |
While competitors chase single-lane growth, JP3’s partnership with HNKMx and multi-use card (payments, services, loyalty) capture a $50B TAM—delivering $34.82M USD profit by Year 3.
JP3 vs. The Field
- Spin (OXXO): 4.2M users, 20,000 stores.
- Cashi (Walmart): 5M visitors, wallet.
- Prometeo: Real-time, no card.
- Stori/Clip: Digital-only.
- Etc.
Slide 07 – Financials – 5 Year Projection
From Losses to $34.82M USD Profit in 3 Years
Here’s the path from startup to fintech leader:
- PoC (2025): $67,500 MXN, $(46,900) USD net.
- Year 1 (2026): $4.69M USD, $770,542 USD profit.
- Year 3 (2028): $75M MXN, $34.82M USD profit.
Driver: $2.25 USD per user/month; 30K to 3M users.
JP3 Financial SAPi turns a $50B market opportunity into explosive growth, leveraging HNKMx’s 16,000 stores to scale from 6,000 to 3M users.
From Losses to $34.82M USD in Four Years
PoC M1-M6: 1,000 stores; 30K users; $280K revenue; $(343.6K) USD net.
Year 1:1,875 stores; 187.5K users; $4.69M USD, $770,542 USD profit.
Year 2: 8,000 stores; 1.2M users; $30M USD revenue; $12.76M USD Profit
Year 3 :15,000 stores; 3M users; (2028): $75M MXN, $34.82M USD profit.
Driver: $2.25 USD/user, 30,000 to 3M users
Valuation: $45.45M USD post-money, aligned with Mexico’s 15% fintech growth.
The Bottom Line
Early losses flip to profit within 12 months of Phase II, hitting $34.82M USD by Year 3—15% CAGR beats industry norms