# Qinta

Democratizing wealth-building for all regardless of income or economic status

## Elevator pitch
Qinta aims to help people achieve their financial goals by earning high-yield on their savings.

- Canonical URL: https://wefunder.com/qinta
- Entity ID: wefunder:company:77402
- Last updated: 2026-06-05T05:00:26Z
- Generated at: 2026-06-05T21:15:24Z

## Quick facts
- 💰 High yield savings app, earn 1% to 10% APY
- 💪Team experienced @ Google, Grab, Qwant, w/ Cambridge University postgrads on Finance, ML, risk
- 🏦Global online banking market size valued at $11.43B in 2019, is projected to reach $31.81B by 2027
- 🚀 Selected by Daily Finance as one of the 'Best Fintech Startups Founded in 2020/2021'
- 💸 Former Partner at Emerald Peak Private Equity invested on same terms
- 💫 Working prototype developed & tested
- 📈 2,000+ signed up for early access once product launches publicly

## Active fundraises
- wefunder:fundraise:129414: 4(a)(6) open (USD)
- wefunder:fundraise:48581: 4(a)(6) successful (USD)
- wefunder:fundraise:48582: 4(a)(6) successful (USD)

## Story
Qinta is solving a big problemThe recent pandemic devastated people’s livelihood. Many had to cut working hours, others lost their jobs. In the U.S. alone, 50% of Americans were unable to achieve their financial goals.The world is now in a tougher economic climate. Interest rates are at an all-time low and higher inflation is upon us. Moreover, existing financial solutions are insufficient to help people achieve their financial goals.1. Rock-bottom interest rates: With traditional savings accounts, you earn close to nothing (0.04% national average) on your hard-earned money.2. Fees are eating up your money: Fees more than offset any return you get from traditional savings accounts.We need a solution for our timeWe bring you Qinta, the high-yield savings wallet for our time. Earn market-leading returns and reach your financial goals confidently and with ease.Our solutions include:How high-yield returns are generatedUsers’ deposits earn high yield by being placed in various traditional and digital investments including but not limited to: (a) derivatives (b) trading financial assets (c) algorithmic investment strategies (d) lending and so forth. Returns are maximized because everything is done via code eliminating the need for any middlemen, which traditionally reduced net returns from any investment strategy. Risks are mitigated by Qinta’s proprietary risk-return models and insurance covers.We are an outlier in a sea of samenessQinta high-yield savings help you earn 1% to 10% interest without any hidden fees.We've built a world-class teamThe Qinta team includes Cambridge University postgrads with finance, machine learning and risk management expertise with experience at Google, Grab (Decacorn Southeast Asia), Qwant, and FTI Consulting.Meet Our CEOEarly traction: 2,000+ signed up in 1 monthWe ran a 1-month organic campaign to reach out to potential customers and over 2,000 individuals signed up for early access to Qinta.How Qinta will make money*The image above is illustrative and not meant to be an exhaustive list of the company's future revenue streams.Our roadmap* These are forward-looking projections and can't be guaranteed.

## FAQ
1. **Hi, Vin. I love everything about Qinta presented in this offering!!! That said, the consistent 10% yield for customers' deposits seems too good to be true. How does Qinta plan to accomplish this? And, is there a minimum deposit amount for Qinta customers? Thanks, Doug**
   - Douglas, thank you for expressing how much you like Qinta. Regarding how the high-yield is garnered, consider how traditional financial institutions have a number of roles and processes as they take custody and manage people’s funds. This results in costs which are essentially subsidized by earnings from depositors’ funds. Qinta will mainly utilize lines of code to execute on financial transactions and to perform fund allocations that will eliminate multiple middlemen and automate processes w...
2. **Hey Vin, I'm curious about those 2000 sign ups which channel worked for you? Also do you have some of those sign up live now? If not are when would be the ETA for the first early access/ road map? How will the monetization will work if you guys plan on charging from the start?...**
   - Dimitri, thank you for your interest in Qinta. Regarding how we acquired the sign ups, we did social media marketing. In Q3 2022, we will have the public release for version 1 of the product. If you're interested, a complete roadmap is attached at the bottom of the main Qinta Wefunder page. Regarding monetization, Qinta’s revenue model is to take a share from the earnings on users’ funds.
3. **When are you looking to file Form C**
   - Calvin, that’s a very timely question. Last Friday, we were talking to Wefunder about final steps to filing a form c. We are targeting to file before the month ends.
4. **Please forgive my lack of formatting. Mobile doesn’t seem to allow line breaks. I’m considering investing, and if not investing, at least giving Qinta a try when it launches. I understand from your answer to a previous question that you plan to utilize blockchain technology an...**
   - Hi Amanda, thank you for going through our responses in the previous questions. We appreciate your interest in Qinta. A couple of days ago, a number of organizations have also reached out to us on how Qinta can help build better financial habits and improve the finances of communities globally. We are thankful that the mission of Qinta resonates with many. There are multiple investments where funds can earn high returns. Usually, these are not easily accessible to the everyday person. Behind ...
5. **Hi team, I got a couple questions thanks in advance for answering and apologies for the lack of formatting. 1. How long are the funds anticipated to last? 2. when do you anticipate pursuing series funding? 3. what is your timeline to IPO? 4. When is it expected that the C-Suit...**
   - Thank you for your questions Olufemi. We always enjoy hearing from individuals who take interest in our mission to democratize wealth-building for everyone. Here are our responses to your questions: (1) Funds will last us 18 months. (2) We are planning to do a professional investor round in 2023 for a seed-2 round. (3) Whatever the decision for the exit in the future, it will be considering what the best will be for the shareholders of Qinta. Our priority is democratizing wealth-building for ...

## Team
- Melvin Noche (Co-Founder & CEO)
- Ivy Noche-Andreenkova (Co-Founder & CTO)
- Damien Allonsius, PhD (Consultant)
- Gilmore Wellio, Phd (Consultant)

## Q&A
- Q: Hi, Vin. I love everything about Qinta presented in this offering!!! That said, the consistent 10% yield for customers' deposits seems too good to be true. How does Qinta plan to accomplish this? And, is there a minimum deposit amount for Qinta customers? Thanks, Doug
  - A: Douglas, thank you for expressing how much you like Qinta. Regarding how the high-yield is garnered, consider how traditional financial institutions have a number of roles and processes as they take custody and manage people’s funds. This results in costs which are essentially subsidized by earnings from depositors’ funds. Qinta will mainly utilize lines of code to execute on financial transactions and to perform fund allocations that will eliminate multiple middlemen and automate processes which will result in greater returns on people’s funds. On the topic of minimum deposit - whatever we decide in our public release, it will be to ensure that we provide the most value and customer satisfaction while maintaining Qinta’s target profitability.
- Q: Hey Vin, I'm curious about those 2000 sign ups which channel worked for you? Also do you have some of those sign up live now? If not are when would be the ETA for the first early access/ road map? How will the monetization will work if you guys plan on charging from the start? Thanks! Dimitri
  - A: Dimitri, thank you for your interest in Qinta. Regarding how we acquired the sign ups, we did social media marketing. In Q3 2022, we will have the public release for version 1 of the product. If you're interested, a complete roadmap is attached at the bottom of the main Qinta Wefunder page. Regarding monetization, Qinta’s revenue model is to take a share from the earnings on users’ funds.
- Q: When are you looking to file Form C
  - A: Calvin, that’s a very timely question. Last Friday, we were talking to Wefunder about final steps to filing a form c. We are targeting to file before the month ends.
- Q: Please forgive my lack of formatting. Mobile doesn’t seem to allow line breaks. I’m considering investing, and if not investing, at least giving Qinta a try when it launches. I understand from your answer to a previous question that you plan to utilize blockchain technology and smart contracts to eliminate middlemen in order to reduce the amount the company needs to take from the depositors earnings. However, what I don’t understand is HOW a customer’s deposit earns money. I assume you’ll be loaning deposited capital, but to whom? With interest rates near zero, who would borrow your capital at 10%+ interest when they could get better rates at a traditional bank? Will these be high risk loans and how would it affect the depositor if your company faces a slew of defaults on loaned money? Or perhaps you plan to invest the capital? If so, what will you be investing in and how will deposits and interest rates be affected by the volatility of those investments? Will Qinta be a bank? Will deposits be FDIC insured? If not, what assurances are there that a deposit is safe? Your website mentioned deposits would be “privately” insured. By whom? Final question that I can think of right now: how will interest rates be determined and how often might they change? Thank you.
  - A: Hi Amanda, thank you for going through our responses in the previous questions. We appreciate your interest in Qinta. A couple of days ago, a number of organizations have also reached out to us on how Qinta can help build better financial habits and improve the finances of communities globally. We are thankful that the mission of Qinta resonates with many. There are multiple investments where funds can earn high returns. Usually, these are not easily accessible to the everyday person. Behind our mission to improve people’s personal finances and building better financial habits is making accessible, affordable and simple the income earning opportunities currently available only to a limited segment of the population. Key to democratizing wealth-building for everyone is the risk management and risk mitigation, which needs to be in place to protect users from downside risks while giving everyone the opportunity to participate in the upside. Further details on these are proprietary to Qinta. And this is one of the many value propositions we are bringing to the hands of everyone. Today, we have a non-custodial solution. Our business model will evolve as we prepare to be a licensed digital bank in the future. We have a shortlist of insurance providers but rest assured we will continue to scan the market for providers that will be best for future Qinta users. Part of our intellectual property is how we can endeavor to maintain stability of returns. Regardless of asset class, traditional, alternative or whatnot, the price or interest rate will continue to be driven by macroeconomic factors and the individual nuances of the structure of the investment vehicles. The uncertainty of movements in these factors are going to be part of our risk models. Looking forward to having you be part of our journey as an investor and/or a Qinta user.
- Q: Any updates? It's been a while
  - A: Hi Olufemi, thanks for following up. We have been heads down focused on completing Qinta's first product 'Derysq'. It will be available globally at launch (excluding U.S. due to some regulatory hurdles), but marketing roll-out / launches will be phased per country. Feel free to follow Derysq's Linkedin page: https://www.linkedin.com/showcase/derysq/
- Q: How did you guys arrive at a starting valuation cap of 7.5million?
  - A: Hi Olufemi, this is a non-priced round. 7.5 million does not represent Qinta's valuation today. The valuation cap is a way to reward pre-seed stage investors for taking on additional risk believing in Qinta at such an early stage. The valuation cap sets the maximum price that your SAFE security will become equity. How we arrived at the valuation cap was mainly weighted using comps analysis.
- Q: Hi team, I got a couple questions thanks in advance for answering and apologies for the lack of formatting. 1. How long are the funds anticipated to last? 2. when do you anticipate pursuing series funding? 3. what is your timeline to IPO? 4. When is it expected that the C-Suite will be filled out? 5. When will the entire team transition to being full-time?
  - A: Thank you for your questions Olufemi. We always enjoy hearing from individuals who take interest in our mission to democratize wealth-building for everyone. Here are our responses to your questions: (1) Funds will last us 18 months. (2) We are planning to do a professional investor round in 2023 for a seed-2 round. (3) Whatever the decision for the exit in the future, it will be considering what the best will be for the shareholders of Qinta. Our priority is democratizing wealth-building for everyone and growing shareholder value at the same time. (4) Ivy and I are both serving all the necessary executive roles. We will remain lean up to a point when the work would require more specialisms beyond our domains of expertise (5) The CTO and the Product Development and Product Marketing teams are going all full-time this 2022 / we will remain lean and will always consider what’s the best balance between resource cost and the likely impact on shareholder value given the stage Qinta is in.