SuperTide app dashboard showing portfolio overview and trading interface
SuperTide

Be Your
Own Bank.

Trade. Pay. Earn. Invest. Spend.
AI-powered. Self-custodial.

Seed · $5M · 2026
Confidential · Qualified Investors Only · Series Seed · 2026
01 / 17
The Problem

Every transaction pays a tax.
We charge near zero.

Banks, card networks, FX desks, brokerages, and remittance operators each take a cut. Crypto rails make most of it obsolete.

Action
Traditional cost
SuperTide
Savings
Send $1,000 internationally
$48 wire + 3-5% FX
Under $0.10 + 0.1% spread
~99%
Remit $200 to family abroad
6.4% avg ($12.72)
~$0.20
~98%
Spend $100 abroad on card
1-3% FX markup ($1-$3)
0% spot rate
100%
Buy $500 of equities
T+1, US-only, broker-restricted
Instant, NYSE + global tokenized, $1 min
Days saved
Yield on $5,000 savings
0.4% avg ($20/yr)
6-9% APY ($300-$450/yr)
15-22x
Trade $10K crypto or perps
0.5-1% spread + slippage
Aggregated best execution
50-80% less

Fees are not a feature gap. They are the business model of every legacy financial institution. Removing them is not optimization. It is replacement.

Sources: World Bank Remittance Prices Worldwide Q3 2025 · FDIC National Rates April 2026 · WalletHub Credit Card Landscape Report · SEC Rule 15c6-1 · Bankrate
02 / 17
The Shift

Two technologies collapsed
the cost of a global bank by 100x.

What once required charters, banks, and card networks now runs on public infrastructure.

Layer
Traditional Bank
SuperTide
Card Infrastructure
Visa + acquiring contracts
Rain.xyz (instant)
Licensing
MTL per jurisdiction
Stablecoin rails (no charter)
Cross-border Payments
SWIFT + correspondent banks
Stablecoin (seconds, near-zero fee)
Equities Access
Broker-dealer license
Tokenized equities
Yield Management
In-house treasury team
Aave · Compound · Morpho · Pendle
Crypto rails replace the back office. Stack assembled on public infrastructure. Full roadmap on slide 13.
03 / 17
Solution

You say what.
Ava handles
everything else.

One AI-native account. Trade, pay, earn, invest, spend — no switching, no bridging, no forms.

Trade — best execution, 50+ protocols
Pay — anyone globally, username-based
Transfer — cross-chain in seconds, no bridges
Earn — AI yield on idle balances, daily
Invest — NYSE, pre-IPO, from $1
Spend — Visa debit, auto FX, anywhere
9:41
Total Balance
$18,420.00
+$320.14 today · +1.77%
Trade
Pay
Earn
Transfer
Invest
Spend
Ava Intelligence
USDC idle — routing $2,000 to 8.4% APY vault. +$168/yr.
Holdings
BTC
0.142 BTC
$9,840
+2.4%
USDC Vault
Earning 8.4% APY
$5,200
+$1.19 today
9:41
AVA · BANKING ASSISTANT
SuperTide
What would you like to do?
Listening...
"Invest $500 safely"
"Send $200 to Jack"
"Best yield now"
9:41
Send Money
Instant · No fees · Any chain
@username or address
Recent
JK
@jack
Last sent $120 · 2d ago
SA
@sarah
Last sent $80 · 5d ago
MI
@michael
Last sent $350 · 1w ago
Amount
$200.00
≈ 200 USDC · $0.00 fee
Send to @jack →
04 / 17
AI Intelligence

Your money
managed like
a hedge fund.

Ava reads your portfolio 24/7, reroutes yield, executes trades, and alerts you — without being asked.

The Equalizer

"A 22-year-old in Lagos gets the same financial intelligence as a family office in London."

9:41
Vaults
$7,300.00
+$41.22 today · 8.2% APY
Ava Intelligence
Rebalancing in 2h 14m — routing $3,200 to higher-yield DeFi Stable protocol
Vault Positions
DeFi Stable$3,200 · auto-routed
8.2% APY
BTC Vault$2,100 · managed
4.1% APY
ETH Staking$2,000 · staked
5.8% APY
05 / 17
Product

Everything in one account.

Six verticals. One app. No switching, no bridges, no complexity.

Vertical
What it does
How it works
Trading
Best execution across 50+ perp DEXes & spot venues
Smart order routing · API for quants & HFT · $10M+ vol
Global Account
Multi-currency self-custodial account, username payments
USD · EUR · GBP · NGN · USDT · USDC · Non-custodial keys
Savings & Yield
AI-optimized yield on idle balances, daily compounding
6–9% APY · Ava auto-routes · Withdraw anytime
Debit Card
Spend on-chain balances anywhere Visa is accepted
Auto FX at spot rate · Zero foreign fees · Physical + Virtual
Global Markets
NYSE, NASDAQ, pre-IPO. Fractional shares from $1
Tokenized equities · KRX · TSE · LSE · Pre-IPO access
AI — Ava
Autonomous portfolio management and intent resolution 24/7
Proactive rebalancing · Smart routing · Behavioral alerts
06 / 17
Architecture

The SuperTide Financial OS.

Built on Tide — live today, $10M+ in volume. Five layers. One coherent product.

User Interface
iOS · Android · API · Telegram Bot
AI Intelligence
Intent Resolution · Smart Routing · Portfolio AI · Alerts
Execution (Tide)
LIVE · $10M+
Hyperliquid · Aster · Lighter · Pacifica · 20+ Perp DEXes · Equities · Yield
Settlement
Base · Arbitrum · Solana · BNB · 10+ chains abstracted
Custody
Self-custodial · User-controlled keys · Non-custodial vaults
SuperTide architecture diagram
07 / 17
Market

Not building for crypto.
Building for Lagos, Mumbai, Manila.

Global Remittances
$860B/yr
FX & cross-border
Retail Investing
$4.7T AUM
Global market access
NeoBank Accounts
$722B '28
Self-custodial banking
Payments Processing
$27T/yr
Stablecoin rails
Crypto Trading
$4.2T/mo
LIVE
DeFi Yield
$90B TVL
Auto-optimization
$30T+
Total Addressable Market
Global financial markets visualization
08 / 17
The Graveyard

Ten teams tried this. Most are dead.
Here is what they got wrong.

The crypto super-app is the most attempted, least executed thesis in fintech. We studied every failure. The pattern is clear, and it is solvable.

Failure Pattern
What Killed Them
Companies
What SuperTide Does Differently
Regulatory Drag
Burned 18+ months and most of seed on MTLs, EMI, banking partners. Ran out of cash before launch.
Nuri (Bitwala), Cogni, Dharma
Stablecoin rails + Rain BIN sponsor for cards. We sequence licenses (15% of raise) against revenue, not before it.
Audience Mismatch
UX assumed seed phrases, gas, chain-switching. Mainstream users bounced. CAC stayed above LTV forever.
Eco, Linen, early Argent
Username-based payments, gasless UX, Ava abstracts every chain decision. Self-custody invisible to user.
Unsustainable Yield
Marketed 10–20% APY at peak, churned brutally when rates fell to 3%. Trust never recovered.
Celsius, BlockFi, Voyager
Yield sourced from auditable on-chain protocols (Aave, Morpho, Pendle), shown live, never promised as fixed. Ava routes; we do not guarantee.
Wrong Geography
Burned capital fighting Coinbase and Robinhood for US users who already had ten apps. EM was an afterthought.
Juno, Eco, most YC crypto-fintech 21–23 cohort
EM-first GTM. Tron USDT corridor for India remittance, BNB Chain for SEA. Zero Web3 super-apps in any of these channels.
Single-Vertical Trap
Pitched "trade, pay, earn, spend" but only one feature worked. Users churned to single-purpose apps that did that one thing better.
Phantom (early), MetaMask Portfolio, Rabby
Trading was our proof of concept ($10M+ beta volume). Each layer ships only after the previous one has retention proof.
Distribution Vacuum
Built a polished product nobody could find. Paid acquisition only. No partner channels, no ecosystem leverage.
Linen, Cogni, dozens of unnamed seed-stage neobanks
Live on Base App (10M+ users), Binance Wallet integration in progress, B2B API serving 40K+ users via partners. Distribution before scale.

The graveyard is real. Ignoring it is how you join it. The opportunity is not that nobody has tried, it is that nobody has tried with this stack, in these markets, at this moment.

6 patterns studied 30+ failed companies analyzed 0 patterns ignored in our build
Sources: CB Insights State of Fintech Q1 2026 · Fintech Failure Database · Public filings, TechCrunch, The Block (2018-2025) · Internal competitive teardown
09 / 17
Competitive Landscape

Top-right quadrant
is unoccupied.
We own it.

No Web3 aggregator is building toward a Web2 financial OS. No Web2 super app can offer self-custodial execution.

Neutral Aggregator
Siloed Platform
Web3 Native
Web2 Mainstream
Web3 Aggregators
Liquid
Azura
VOOI
SuperTide
Unoccupied — We Own It
Single Venues
Based App
Ostium
Web2 Super Apps
Coinbase
Robinhood
Revolut
Three Structural Moats
Neutral Routing
Custodial platforms cannot offer best-execution across competing venues. Their custody model prevents it. We can.
The Diagonal
Only player bridging Web3 perp execution to a Web2 financial OS. Web3 stops at DeFi. Web2 stops at custody.
EM Distribution
Base + BNB Chain + Tron USDT covers India, SEA, and Africa. Zero Web3 competitors in any of these channels.
10 / 17
Go-to-Market

Four channels.
One flywheel.

Distribution is already flowing — not theoretical. Each channel feeds the next through shared liquidity and network effects.

Base / Coinbase L2
Listed & verified on Base App. Organic discovery from 10M+ users. Avantis live.
LIVE
BNB Chain / Binance
Binance Wallet integration in progress. Gate Ventures support. PancakeSwap 4M+ MAU, 56.6% of BNB DEX market. #1 blockchain in India & SEA.
IN PROGRESS
Tron / USDT Remittance
$60B USDT on Tron. India remittance $125B/yr. Zero Web3 product exists for this market. Tron DAO grant opportunity.
STRATEGIC
Web2 B2B Channels
Trading intelligence APIs (Ozak AI, 40K+ users). NeoBank B2B API — India launch. HFT & market maker API — 1 firm live.
UNCONTESTED
Referral and distribution network
11 / 17
Traction · Live Numbers

Real usage.
Real momentum.

SuperTide is live, transacting, and growing — not a whitepaper.

7,000+
On waitlist
Private beta signups
$10M+
Beta volume generated
Cumulative · Tide execution layer
100+
Selected beta traders
Active on private beta
2
B2B API customers
Incl. AI trading app · 40K+ users
Trading was the proof of concept. The infrastructure works. The demand is real.
Global reach across 160 countries
12 / 17
The Timing Signal

This window opens
once. It's open now.

Five converging forces are creating a once-in-a-decade opportunity to own the on-chain financial layer.

01
Infrastructure Ready
Stablecoin volume hit $27T in 2024. L2s deliver sub-cent transactions. The plumbing works.
02
AI Solves Complexity
LLMs can resolve user intent and route complex multi-step financial operations in real time.
03
Regulatory Clarity
US (FIT21), EU (MiCA), Singapore, UAE — first clear frameworks for on-chain financial products live or imminent.
04
NeoBank Generation
700M+ already use Revolut, CashApp, Robinhood, or Wise. They just need one that works globally.
05
Emerging Markets
3.4B unbanked adults. $860B/yr remittances. 8–10% FX fees. Lagos is the largest untapped financial market in history.
13 / 17
Product Roadmap · 2026

Build fast.
Ship what matters.

Phase 1 · Validation
Q1 2026 · LIVE

Proving the
Execution Layer

Perp DEX aggregation — multi-venue smart routing
API access for quants and HFT
Telegram bot execution
Power Users · Trading Communities · Base App
KPIs · Achieved
$10M+ volume · 100 active traders · 7K+ waitlist
Phase 2 · NeoBank Launch
Q2–Q3 2026

SuperTide Goes
Mobile

iOS & Android app (public launch)
Global account: multi-currency, username payments
Debit card: spend on-chain balances globally
Savings yield: auto-optimized on idle balances
Consumer onboarding · KOL · Remittance communities
KPIs · Targets
$100M+ cumulative volume · 50K+ users
Phase 3 · Global Expansion
Q3–Q4 2026

AI-Native Financial
Intelligence

AI financial intelligence layer — proactive, behavioral
Global markets: NYSE, pre-IPO, tokenized equities
Unified margin engine · global settlement layer
Institutional API · Global Communities · EM Partnerships
KPIs · Targets
$1B+ cum. volume · 500K+ users · Top NeoBank 5+ EM markets
14 / 17
The Team

Built by people
who've done it.

Former founders, protocol engineers, and growth operators. Shipped product that moves billions.

Adi Chhabra
Chief Executive Officer

Serial entrepreneur across Web2 and Web3. Founded HyperSwap AI — AI-driven trading infrastructure. Previously at Vodafone and Temasek. Leading the vision to make self-custodial finance universal.

Ex-Vodafone
Ex-Temasek
HyperSwap AI
Tamaghna Basu
Chief Technology Officer

Built 3 companies across the US, India, and UAE over 20 years. Mentor and advisor at Stanford Cybersecurity Course and deep tech startups. Previously at WalmartLabs, eBay, PayPal, PwC, and ThoughtWorks. Keynote speaker trained 1,000+ security professionals.

3× Founder
Stanford Mentor
Ex-WalmartLabs
Anand Tiwari
Chief Operating Officer

4+ years in DeFi, prediction markets, and Crypto × AI. Scaled multiple Web3 products from 0 to 300K+ users. Helped raise $1.1M+ across rounds.

DeFi & Prediction
0 → 300K+ Users
$1.1M+ Raised
Legal & Regulatory
Nishith Desai
Associates
Retained Counsel

Engagement led at principal level by Nishith Desai, founder. NDA represented IAMAI in the Supreme Court case (2020) that struck down RBI's crypto banking circular, the foundational ruling for India's crypto industry. The firm is India's leading research-based practice on crypto, fintech, and cross-border regulatory structuring. Advising SuperTide on VASP architecture, FEMA and LRS compliance, FIU-IND registration, and multi-jurisdictional product structuring.

IAMAI v. RBI
Founder-Led Engagement
Cross-Border Fintech
15 / 17
Series Seed · 2026

$5M to own
the category.

18-month runway to reach product-market fit, 500K+ users, and Series A raise.

Total Raise
$5,000,000
VC Round
$2M · $20M val · $0.0014/token
Public Round
$3M · $25M val · $0.0020/token
Instrument
SAFT
Post-raise Burn
$75K – $100K / month
Runway
18 – 24 months
Currently bootstrapped at ~$10K/month burn. 6 months of active building. No external funding to date.
Use of Funds
Where $5M goes
Product & Engineering
45%
8 engineers, Ava v2, mobile polish, SDK
Distribution & Growth
30%
KOL campaigns, EM market entry, B2B partnerships
Compliance & Legal
15%
Money transmitter licenses, MiCA, FinCEN
Operations & Reserves
10%
Team expansion, legal, infrastructure, audit
Series A Targets
$1B+ cumulative volume
500K+ users
Top NeoBank in 3+ emerging markets
16 / 17
City street scene with contactless card payment
SuperTide

Ready to Build
the Future
of Money?

"A 22-year-old in Lagos shouldn't need a Goldman Sachs account to invest like one. SuperTide changes that."

ONE APP. THE WHOLE WORLD.
adi@tide.ag · anand@tide.ag
tide.ag
x.com/tide_ag
Confidential · Series Seed · 2026
17 / 17