Bambu Pay 2.0
Conservative Path to Activating Dormant Users
Investment Proposal | October 2025
The Opportunity
202,133
Total users who accepted terms
179,286 dormant users stuck at payment step + 22,847 active users who need migration to instant deposits
Current Reality Check
202,133
Total Enrolled
22,847
Active Users
11.3%
Activation Rate
Great progress! We've doubled our activation rate. But 179,286 users are still stuck at manual card entry.
Industry standard with instant funding: 35-45% activation
The Single Point of Failure
Manual card entry: 8-10 steps
Average time: 3-5 minutes
Failure rate: 30%+
User frustration: Maximum
88.7% of users still abandon at this point
22,847 active users need migration to instant deposit system
Bambu Pay 2.0 Solution
Apple Pay
Google Pay
Instant deposits via Apple Pay and Google Pay = Zero friction
| Feature | Before | After |
|---|---|---|
| Time to Fund | 3-5 min | 30 sec |
| Steps | 8-10 | 2-3 |
| Success Rate | 70% | 95%+ |
Promotional Investment
$100,000
Total promotional budget
$5
Promotional Bonus
20,000
Users to Activate
Budget Allocation
| Segment | Users | Budget | Target |
|---|---|---|---|
| Dormant Users | 179K | $45K | 9K |
| Active Migration | 23K | $25K | 23K |
| Lost Zelle | 20K | $10K | 2K |
| New Acquisitions | ∞ | $20K | 4K |
Active users get $1 bonus for upgrading to instant deposits (23K × $1 = $23K) + $2K migration support
Transition Plan: Migrating Active Users
22,847 active users need to migrate from manual card entry to instant deposits
Phase 1: Communication
Email + push notification: "Upgrade to instant deposits, get $1 bonus"
Phase 2: Disconnect (24hrs)
Remove old payment method, maintain account balance & history
Phase 3: Reconnect
One-tap setup with Apple Pay or Google Pay + instant $1 bonus
48hrs
Total Migration Time
30 sec
New Setup Time
Marketing Campaign
Multi-channel campaign: In-app banners, email, push notifications, SMS
Conservative Growth Path
| Month | Users | Growth | Rate |
|---|---|---|---|
| Current (Oct 9) | 22,847 | — | 11.3% |
| End of Oct | 45,000 | +97% | 22.3% |
| November | 58,000 | +154% | 28.7% |
| December | 70,000 | +206% | 34.6% |
Starting from 22,847 active users, we can reach industry-standard 35% activation rate
Return on Investment
45%
Year 1 ROI
9
Payback Period (mo)
$27M
New Deposits
Why This is Conservative
35-45%
Industry Standard
10%
Our Target
We're targeting less than ONE-THIRD of what competitors achieve
Launch Timeline
October 1-7
Soft launch (5,000 users)
October 8-14
Scale (15,000 users)
October 15-31
Full rollout
November
Optimization
December
47,000+ active users
Three Scenarios
| Scenario | Conv | Users | ROI |
|---|---|---|---|
| Conservative | 7% | 19K | 20% |
| Target | 10% | 36K | 45% |
| Optimistic | 13% | 47K | 70% |
ALL scenarios are ROI positive!
The Cost of Waiting
2,500
Users lost EVERY WEEK we delay
$1.9M
Weekly deposit loss
$7.5M
Monthly opportunity cost
Ready to Launch
$100,000 promotional budget allocated
20,000
Target Activations
90
Days to Execute
300%
Growth Target
We have the users.
We have the solution.
We just need to connect them.
$100K → 20K users → $15M deposits
Let's activate our dormant users.