OneTap AI

The Autonomous Spending Agent.

OneTap uses AI to instantly route every purchase through high-margin merchant rails—delivering 5x more rewards than any credit card, with a single tap.

Kunal Malhotra

Founder & CEO

kunal@theonetap.ai | theonetap.ai

The Problem, Part 1 — Rewards Mayhem

Credit Card Rewards Are Broken

Consumers are overwhelmed, losing money, and underutilizing rewards.

Americans Forfeit Over $50 Billion in Rewards Every Year

From unredeemed credit card points to unused airline miles and gift cards, complexity and fragmentation leave massive value on the table.

47%

Purchases Misallocated

Nearly half of purchases are made with the wrong card.

40%

Redeem Zero Rewards

40% of users never see value from their rewards.

4+

Cards Per User

Too many cards → too many decisions → poor outcomes.

Sources: NerdWallet, CBS News, Kyros, Industry Reports

The Problem, Part 2: The Human Cost

Complexity Creates Fatigue & Real Loss

Beyond confusion, there’s a real human cost—let’s look at how this feels for everyday users.

The Hidden Cost to Consumers

●
Lost Value: Up to $300–$800 per household each year.
●
Decision Fatigue: Most consumers default to one card and simply give up on optimizing.
●
Missed Perks: Forfeited elite status, free flights, and hotel nights.
●
Emotional Stress: The constant feeling of being disorganized and "leaving money on the table."

Meet Sarah.

She's financially responsible and has 4 great rewards cards. But every purchase is a math problem, turning spending into a stressful event.

The Problem, Part 3 — The Network Blockade

The "Optimization Wall"

Why hasn't this been solved before? The rails were broken.

Systemic Blocking

Credit card networks are actively blocking third-party routing.

This makes traditional "Card-on-Card" solutions technically impossible and prohibitively expensive to operate at scale. The old way of simply wrapping cards doesn't work anymore.

The 1% Trap

Users are stuck with low-yield (1-2%) cards.

Because the autonomous infrastructure for 10% rewards didn't exist until now, consumers have been forced to leave massive value on the table.

The network blockade created a vacuum. OneTap fills it.

The Solution

OneTap vs. Traditional Credit Cards

See how OneTap's intelligent approach compares to traditional credit card management.

Feature	Traditional Credit Cards	OneTap AI
Primary Rail	Visa/Mastercard Interchange	Direct Merchant Rails (Gift Cards)
Max Reward Cap	~2% (Limited by bank margin)	5% – 15% (Wholesale Arbitrage)
Network Status	Facing Blockades/High Fees	100% Compliant & Scalable
User Value	"Spend to Earn"	"Value Conversion" Agent

•••• 5678

•••• 9012

•••• 8888

•••• 4321

OneTap AI

•••• 1234

SARAH MILLER

The Arbitrage Advantage

1. INPUT: YOUR FUNDING SOURCE

Standard Cash (1% Yield).
100 cents on the dollar.

2. PROCESS: AI ORCHESTRATOR

Agentic Routing. Identifies high-yield path
(Gift Card vs. ACH) in <100ms.

$110

3. OUTPUT: MAXIMIZED VALUE

110% Purchasing Power.
10% instant arbitrage realized.

+10.5% ALPHA. 7X MORE VALUE

The Product

Simple, Powerful, Automated.

And we don’t stop at routing—OneTap becomes your financial OS with intelligent insights.

OneTap is designed to be effortless. In three simple steps, users can transform their spending and maximize their rewards.

1

Link Your Funding Source

Connect your existing bank account or debit card. OneTap acts as your intelligent buffer.

2

Spend Anywhere

Use the OneTap virtual or physical card.

3

The AI Orchestrator

Our "OneTap Brain" instantly identifies the merchant. If a high-yield rail (Gift Card) exists, it executes an instant purchase. If not, it pushes a standard debit charge.

My Wallet

3 Cards Linked

Chase Debit Card •••• 1234

Wells Fargo •••• 5678

Bank of America •••• 9012

+ Link Another Account

AI-Powered Insights

Your Intelligent Financial Assistant

We leverage Large Language Models to transform raw transaction data into a complete financial OS.

✨ Predictive Guidance

AI learns your spending and guides smarter choices with predictive insights to save and earn.

> You’ve earned 35% more on groceries this month.

> Add your Amex to earn 4x on your upcoming travel spend.

✨ Ask My Spend

Natural language questions about your spending, answered instantly.

"How much did I spend on coffee last month?"
>> $87.50

✨ Smart Organization

Digital receipt storage and category-wise spending analysis across all cards.

> Monthly Spending: $3,450

> Top Category: Dining ($620)

✨ Debt Optimization

AI detects your highest-APR balances and prioritizes payoff, minimizing interest costs automatically.

> $720 interest saved YTD 2025 by auto-targeting high-APR debt.

> Get debt-free 8 months faster. No extra payments.

Market Timing

The Convergence of Opportunity

This is possible now because consumers, technology, and infrastructure have converged.

OneTap is possible today because of three powerful, simultaneous market shifts.

The Empowered Consumer

A new generation of consumers seeks automation & optimization—rewards hacking to budgeting.

Technological Enablement

New financial infrastructure (BaaS, network tokenization) and open banking regulations now make this possible for the first time.

A Clear Market Gap

No dominant, fully automated solution for rewards optimization exists today.

The Opportunity

A Massive, Growing Market

So, how big is the opportunity we’re aiming at?

The U.S. payments market is vast and fragmented, with a high-value segment ripe for consolidation.

TAM

$12.8 Trillion

Total U.S. Consumer Card Spend (Credit $6.3T + Debit $6.5T).

OneTap is the "Smart Buffer" for all personal consumption.

SAM

$4.5 Trillion

Arbitrage-Ready Daily Spend.

This is the total annual volume spent in high-margin categories like Groceries, Dining, Travel, and Retail—where OneTap’s 5-15% merchant rails live.

SOM

$35
Billion

5-year goal for annual transaction volume via OneTap.

Represents capturing just 0.75% of the Arbitrage-Ready SAM.

Competitive Landscape

A Unique Position in the Market

Who else plays here—and why hasn’t anyone solved full automation plus optimization?

Key Capabilities

OneTap

Curve

MaxMyInterest

Brex

Tally

Apple Card

All-in-One Card Aggregation

✓

✗

△

✗

Real-Time AI Spend Optimization

✓

✗

△

✓

✗

Debit + Credit + Bank Integration

✓

△

✓

△

Auto-Sweeps to Savings/Investments

✓

✗

✓

✗

△

Receipt Capture & Expense Tracking

✓

✗

✓

✗

△

Financial Forecasting (Consumer)

✓

✗

△

✓

△

Revenue Model Breadth

✓

△

✓

△

✓ Present ✗ Not Present △ Partial / Niche

OneTap unifies payments, optimization, and post-spend automation in one consumer platform.

Business Model

Scalable, High-Margin Monetization

Diversified revenue with an early focus on interchange; subscriptions and AUM unlock durable upside.

1) Interchange (Core)

Durbin-exempt debit/prepaid via sponsor bank; (target ~1–1.5% net after network fees and any offers from Y3 onwards).
Preserve margin with merchant-funded offers vs. blanket cashback.
Apple/Google Pay supported; account for ~0.15% wallet fee while boosting top-of-wallet usage.

Example: $3,000 monthly spend → ~$30 net/user/mo; 10k users ~$3.6M ARR .

2) Subscriptions (Early)

Freemium core; Premium $10–$15/mo for AI-lite now, AI-plus later insights, smart rules, higher limits, travel/FX perks.
Bundle “SmartCash” (cash optimization) up to a balance cap; beyond cap, AUM fee applies.
Target 5–10% conversion in Y1 to establish high-margin recurring revenue.

Example: 10,000 users × 10% convert × $12.50 avg price ≈ $12.5k/mo (~$150k ARR).

3) Affiliate & Partnerships

Merchant-funded offers networks (e.g., Cardlytics-style) with rev-share.
Personalized card & banking recommendations (bounties per approval).
Selective B2B/white-label opportunities as IP matures.

Example: 10,000 users × ~30% engage monthly, rev-share ~$400k ARR.

4) AUM Fee (SmartCash)

Automated sweeps to top-yield accounts via partners; transparent 0.16% annual fee (0.04%/qtr).
Premium includes discounted/included tiers up to balance caps.
Targets affluent users; high LTV with minimal custody risk (funds in user’s name at partner banks).

Example: 10,000 users × 5% adoption × $100k optimized balance x 0.16% fee ~$4M ARR.

Assumptions

Interchange: ~1% net / $1k spend → ~$10/user/mo

Early Mix

85% interchange · 3% subs · 10% affiliate · 2% AUM (shifts over time)

Cost Discipline

Phase AI: “AI-lite” at launch → full ML as revenue scales

Goal: 4:1 LTV/CAC by Year 2 with break-even in ~18–24 months via interchange scale + recurring subs/AUM.

Metrics That Matter

Financial Projections

Total revenue vs. expenses • LTV:CAC ratio trend

5-Year Outlook (Revenue vs. Expenses)

Revenue ($M) Expenses ($M) Break-even

LTV:CAC Ratio (Goal ≥ 3:1)

LTV:CAC (bars) Target 3× Stretch 10×

Users & TPV

EOY Users: 1.5k → 1.2M | TPV: $9M → $36.4B (Y1→Y5).

Revenue Mix

Interchange-led early; subscriptions/AUM expand margin & resilience over time.

CAC Trend

CAC: $150 → $50 (Y1→Y5).
LTV grows to ~$2200 by Y5; LTV:CAC reaches ~44× in steady state.

Profitability

EBITDA is negative in Y1–Y2 while we invest in product and growth, turns positive in Y3 (~$29.7M), and scales to ~$627M by Y5.

The Founder

Built by Expert in Product and Engineering

Execution-ready leadership with deep Banking & AI Infrastructure experience.

Kunal Malhotra

Founder & CEO

Millennium

20+ years’ experience in fintech, AI, credit, and compliance.

Shipped products at top-tier firms; built ML-driven tools and high-scale fintech infra.

Our Vision

The Financial OS for Your Life

Built to simplify, automate, and amplify your financial life.

Our north star: turn every purchase and every dollar into the best possible outcome—automatically.

1. Master Spending

Solve rewards optimization and become the default top-of-wallet card.

> Auto-route to the optimal card at tap-time.

> Real-time merchant/category intelligence.

2. Automate Savings

“OneTap Yield” puts idle cash to work without extra steps.

> Smart auto-allocations to yield accounts.

> Goals and guardrails you can set once.

3. Simplify Borrowing

Transparent, smarter credit based on true financial health.

> Payment optimization to reduce interest.

> Contextual offers when it actually helps.

4. The One-Stop Hub

A single, intelligent platform to manage your entire financial life.

> Unified view across cards, cash, and credit.

> Proactive recommendations—notifications that matter.

The Ask

Join Us in Building the Future of Payments

We are raising

$7.5M – $8M Seed Round

to provide a

~24-Month Runway

• Ship premium features by Month ~6

• Scale to 20,000+ users by EoY2

• Reach ~$8M+ revenue by EoY2

• Break-even: late Y2 / early Y3

Use of Funds

Team & Salaries (40%)

Marketing / GTM (30%)

Infra & Compliance (25%)

Contingency Buffer (5%)

Next 12–18 Months Milestones

Q2–Q3 Y1: Beta launch, 500 users
Q4 Y1: Premium subs launched, 1.5k users
Q2 Y2: 10k–15k users, referral & influencer growth
Q4 Y2: $8M+ ARR, path to profitability

*Separate $1M working capital facility to be arranged with fintech-friendly bank/debt fund (not equity).