Finally, a credit system built for how you actually live.

Mike: When I came to the U.S., I did everything right.

I paid rent on time.

I sent money home every month.

I covered my bills without missing a beat.

But the credit system didn’t see any of it.

Not because I was a bad customer, but because it was never built to measure what I was doing.

The credit system was built to measure credit cards, auto loans, and mortgages. If that's not how you live — if you build your financial life through rent, remittances, and responsible bill pay — the system gives you nothing back for it.

We fix that!!!

Starting June 1st, Power2Prosper does five things no single platform has done together before — for the people who needed it most.

That's what we are building!

THE PROBLEM

Immigrants generate $1T+ in Annual financial activity.

The credit system ignores all of it.

$1T+- Annual financial activity

45+- Credit invisible or thin file

$150B" - Annual remmitances

" I pay my rent every month...my credit score doesn't know I exist"

THE INSIGHT

Traditional credit models ignore the majority of real financial behavior.What credit bureaus ignore: Remittance discipline ($150B+ sent reliably each year) · Rent paid on time, every month, for years · Utility and phone payment consistency · Cash-flow stability and savings patterns · Job continuity and income regularity.What Prosper Score captures: Remittance frequency and reliability · Rent payment history reported monthly · Bill pay discipline · Savings behavior and cash-flow patterns · Income stability and employment continuity.Result today: prime behavior treated as subprime risk. Result with us: the first system built to score what they actually do.

THE SOLUTION

Five data streams. One underwriting engine.

Five behavioral data streams powering Prosper Score, our proprietary underwriting engine. The subscription layer funds data acquisition. The data powers underwriting. The underwriting builds the bank.

1. Prosper Score — Credit visibility. Score and report from all 3 bureaus. Score tracker, debt analysis, alerts. Establishes the consumer’s credit identity.
2. Prosper Rent — Housing stability. Rent payment history reported to all three bureaus monthly. One of the strongest behavioral signals — finally counted.
3. Prosper Control — Cash-flow discipline. Subscription tracking and cancellation. Reveals spending discipline. The cash-flow signal layer.
4. Prosper Guard — Data privacy. Quarterly data broker removal. Protects consumer PII and builds the trusted data relationship for long-term scoring.
5. Prosper Shield — Risk and fraud. $5M identity protection. SSN and dark web monitoring. Protects the consumer and the dataset simultaneously.

Every stream flows straight into the underwriting engine.

WHY THE MARKET DOESN’T SERVE THIS CUSTOMER YET

Credit monitoring apps are built for Americans with existing credit. They monitor — they don’t build. No rent reporting. No remittance recognition.

Identity protection tools are fear-based and capped at $1M. No credit building. No immigrant focus.

Immigrant fintech platforms focus on single-corridor remittances. Credit building is secondary. No identity. No privacy.

Power2Prosper is the only platform that wraps the full financial life of an immigrant into one place. All five data streams. $5M insurance. Proprietary underwriting engine. Built around how immigrants actually live. From $9.99/month.

THE MARKET

Not a $9B credit-monitoring market. A $1T+ financial activity market with a measurement gap.

1. TAM — $2-4B. Credit + identity + financial access for underserved US consumers
2. SAM — $420M. Behavioral data acquisition layer · ~3M households · $12/mo avg
3. SOM Year 1 — $18M. 10,000 subscribers @ $14.99 avg ARPU

We capture a small but valuable layer inside a $1T+ Financial flow.

Why this wins now:

1. 47M foreign-born US residents are thin-file or invisible to traditional credit
2. FHFA now accepts rent and utility data in mortgage underwriting (2025)
3. Enterprise fintech infrastructure makes this possible at pre-seed cost
4. CFPB pushing fairer credit access validates behavioral scoring
5. Esusu ($1.2B valuation) and Kredete ($22M Series A) prove diaspora fintech demand

BUSINESS MODEL

Three subscription tiers.

1. Starter — $9.99/mo. Credit score tracker, debt analysis, 1-bureau alerts, Prosper Score dashboard. ~77% margin. 1 data stream.
2. Premium — $19.99/mo. Most popular. Full 3-bureau report, rent reporting, $5M identity protection, cash-flow tracking. ~66% margin at 5K+ users. 4 data streams.
3. Elite — $29.99/mo. Everything in Premium plus rent enrollment and furnishing, bank-account behavioral linking, subscription manager, full data removal. All 5 data streams.

Infrastructure is contracted and signed. Platform live June

UNIT ECONOMICS

1. $17.50 blended ARPU/month (20/55/25 tier mix)
2. ~60% gross margin at scale (5,000+ subscribers)
3. Less than $30 target CAC — community-first GTM
4. $210 12-month LTV (Premium, before churn adjustment)
5. More than 7× LTV:CAC — strong payback

Phase 2 expands LTV from $210 to $400+ as underwriting unlocks lending revenue on the existing subscriber base.

Strong unit economics from day one, expanding with credit.

Revenue path: $5,250 MRR (June 2026, 300 users) → $17,500 (Month 6) → $43,750 (Month 9) → $70,000 (Month 12) → $140,000 (Month 18, 8,000 users).

WHAT’S ALREADY DONE

1. MVP fully built and ready for Launch June 2026. All five products integrated. A working product, not a deck.
2. Pricing and margin model validated. Three tiers stress-tested against real infrastructure costs.
3. Infrastructure contracts signed. Credit and bank-connectivity contracts fully executed.
4. 1,000+ waitlist built. Founding Member exclusivity driving urgency across diaspora communities.
5. Live June 2026. From day one, every subscriber contributes to Prosper Score training data.

GO TO MARKET — TRUST IS THE DISTRIBUTION MOAT

Community-driven acquisition at near-zero CAC.

1. 40% — Church & Community Networks. Trusted leaders reach dozens. Highest-trust contributors.
2. 30% — Diaspora & Social Media. English, Spanish, French, Yoruba. Cultural resonance equals high LTV.
3. 20% — Influencer Partnerships. Earn-per-active-subscriber. Aligned incentives.
4. 10% — Employer Partnerships. Financial wellness via HR. W-2 income equals strong behavioral signal.

Launch phases: 300 paying subscribers (June 2026) → 1,000 (Q3 2026) → 3,000 + $40K MRR (Q4 2026) → 10,000 + Seed raise(Q1 2027).

The subscription product is where it starts. It is not where it ends.

1. Phase 1 · Now · Pre-Seed — Behavioral Data Layer. Subscription captures 5 streams. Prosper Score begins training. First-party data asset is born.
2. Phase 2 · Series A · 2027 — AI Underwriting + Banking. FDIC checking, debit card, low-cost remittances. Credit-builder loans ($300-$1,500) underwritten by our own model. The engine begins underwriting.
3. Phase 3 · Series B · 2028+ — Full Credit Infrastructure. AI-driven lending with dynamic limits. Credit lines, mortgages, auto. Blended ARPU $22-28. Path to $150M ARR. The bank.

The pre-seed funds the data layer. The data layer funds the underwriting engine. The engine funds the bank.

THE TEAM

THE ASK

We're building the system that turns real financial behavior into credi access.

The product is ready.

The Model is clear.

The data Starts accumulating at launch!

47 million people in this country are doing everything right and still being told they don't exist. We've built the system that finally sees them.

Ready to back the future of credit infrastructure for immigrants and the unbanked?

We're opening this round to scale the data layer that powers it.

—Mike Chilewe Jnr · CEO · [email protected] · 253-260-2453