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MyBambu Crypto Wallet
Financial Forecast & Provider Comparison
Powered by Kira

Provider Overview: Kira

Kira is the first all-in-one infrastructure to launch embedded fintech products, supercharged by vertical AI agents and stablecoins. This partnership enables MyBambu to offer crypto wallet functionality with seamless on/off ramp capabilities across Latin America.

Starter
$0
Monthly minimum fee
  • Best for: Testing & pilot programs
  • Pay-as-you-go transaction fees
  • Basic support (1 business day)
  • USDT/C to USD: 0.40%
  • USDT/C to MXN: 0.40%
  • USD to USDT/C: 0.25%
Growth
$9,995
Monthly minimum fee
  • Best for: Scaling operations
  • 99.9% monthly uptime SLA
  • Priority support (1-2 hour response)
  • USDT/C to USD: 0.25%
  • USDT/C to MXN: 0.25%
  • USD to USDT/C: 0.20%
Enterprise
$29,995
Monthly minimum fee
  • Best for: High-volume operations
  • 24/7 dedicated support
  • Dedicated account manager
  • USDT/C to USD: 0.13%
  • USDT/C to MXN: 0.15%
  • USD to USDT/C: 0.15%

Key Features & Capabilities

  • On-Ramp: Convert USD/MXN to USDT/USDC
  • Off-Ramp: Convert USDT/USDC to USD, MXN, COP, and 15+ currencies
  • Virtual USD Accounts: FBO accounts with Wire/ACH capabilities
  • Stablecoin Support: USDT and USDC across multiple blockchains
  • API Integration: RESTful API for seamless integration
  • Compliance: Built-in KYC/AML with $4/user onboarding cost
  • Settlement: Real-time settlement in stablecoins or fiat

Pricing Comparison by Tier

OFF-RAMP Fees (Send Crypto → Receive Fiat)

Send Currency Receive Currency Starter Growth Enterprise
USDT/C USD 0.40% 0.25% 0.13%
USDT/C MXN 0.40% 0.25% 0.15%
USDT/C COP 0.85% 0.70% 0.60%
USD COP 0.65% 0.50% 0.40%
USD MXN, CLP, GTQ, VES 0.50% 0.35% 0.25%
COP USD 0.30% 0.15% 0.03%
MXN USD 0.30% 0.15% 0.05%
USD Uruguay, El Salvador, Peru, Brasil, Europe, Panama 0.85% 0.70% 0.60%
USD Costa Rica, Paraguay, Dom. Rep., Argentina 1.50% 1.35% 1.15%

ON-RAMP Fees (Send Fiat → Receive Crypto)

Send Currency Receive Currency Starter Growth Enterprise
USD USDT/C 0.25% 0.20% 0.15%
MXN USDT/C 0.25% 0.20% 0.15%

Virtual USD Accounts (FBO Wire/ACH)

Fee Type Starter Growth Enterprise
Transaction Fee 0.20% 0.12% 0.08%
KYC/KYB - Individual $4 $4 $4
KYC/KYB - Entity $35 $35 $35
Monthly Account Fee - Individual $4 $4 $4
Monthly Account Fee - Entity $25 $25 $25

Pricing Notes

  • Monthly minimum fee is paid upfront and can be consumed through transaction fees
  • If usage exceeds monthly minimum, no additional base fees apply
  • If usage is below minimum, the difference is invoiced
  • Prices shown are for API integrations only
  • Wallet-based on/off ramp may have different pricing

Total Cost of Operating Under Kira

Year 1 Total Operating Costs
$0
All Kira-related expenses
Platform Fees (12 months)
$119,940
Growth tier @ $9,995/mo
Onboarding Costs
$0
KYC + Account setup
Monthly Account Fees
$0
Virtual USD accounts

Cost Breakdown by Category

Cost Category Year 1 Year 2 (Projected) Year 3 (Projected) % of Total Y1
Platform Minimum Fees $119,940 $119,940 $359,940 82%
KYC/KYB Onboarding $0 $0 $0 0%
Monthly Virtual Account Fees $0 $0 $0 0%
Transaction Processing $0 $0 $0 0%
TOTAL OPERATING COSTS $0 $0 $0 100%

Monthly Cost Detail (Year 1)

Month New Users Cumulative Users Platform Fee KYC Costs Account Fees Total Monthly Cost

Cost Per User Analysis

Cost Per User (Year 1 Avg)
$0
Total costs ÷ active users
Onboarding Cost Per User
$4.00
One-time KYC fee
Monthly Retention Cost
$0
Platform + account fees per user
Break-Even Users Needed
0
To cover monthly platform fee

Operating Cost Components

  • Platform Minimum Fee: $9,995/month (Growth tier) - Covers 99.9% uptime, priority support, and unlimited transactions up to minimum value
  • KYC/KYB Onboarding: $4 per individual user (one-time) - Required for compliance and account activation
  • Virtual USD Account Fees: $4/month per user with virtual account (estimated 30% adoption rate)
  • Transaction Fees: Consumed against monthly minimum (0.25% average blended rate) - No additional cost until minimum exceeded
  • Infrastructure & Support: Included in platform fee (APIs, security, compliance, monitoring)
  • Upgrade Path: Can move to Enterprise tier ($29,995/mo) when transaction volume justifies lower per-transaction rates

⚠️ Important Cost Considerations

  • Monthly Minimum Must Be Paid: Even with zero transactions, $9,995/month is required to maintain platform access
  • Transaction Credits: Monthly fee can be consumed through transaction volume - at 0.25% fee, need $3.998M monthly volume to consume minimum
  • Scaling Economics: Cost per user decreases as user base grows (fixed platform fee spread across more users)
  • Tier Decision: Starter ($0/mo) viable for pilot/testing, but Growth tier recommended for production launch
  • Hidden Costs: Integration development, customer support, marketing, and compliance oversight are additional costs not included here

Revenue Forecast (12-Month Projection)

Year 1 Revenue
$0
Total crypto wallet revenue
Avg Monthly Revenue
$0
Q4 average: $0
Active Crypto Users
0
By end of Year 1
Total Volume
$0
Crypto transaction volume

Revenue Model Assumptions

  • Starting Users: 1,000 crypto wallet users in Month 1
  • Growth Rate: 15% monthly user growth
  • Transaction Frequency: 2.5 transactions per user per month
  • Average Transaction Size: $250
  • Mix: 60% Off-ramp (USDT→USD), 40% On-ramp (USD→USDT)
  • Fee Rate: 0.25% average blended rate (Growth tier)
  • Revenue Per User: ~$1.56/month average

Cost Analysis (12-Month Projection)

Year 1 Total Costs
$0
All crypto wallet costs
Monthly Platform Fee
$9,995
Kira Growth tier minimum
KYC Costs (Y1)
$0
$4 per user onboarding
Net Margin
0%
After all costs

Monthly Cost Breakdown

Month Platform Fee KYC Costs Account Fees Total Costs Revenue Net Profit

Cost Model Assumptions

  • Platform Tier: Growth tier at $9,995/month (recommended for scaling)
  • KYC Costs: $4 per new user (one-time)
  • Account Fees: $4/month per active virtual USD account holder (estimated 30% adoption)
  • Customer Support: Included in platform fee (99.9% uptime, 1-2 hour response)
  • Infrastructure: All infrastructure and compliance included in platform fee
  • Transaction Fees: Offset against monthly minimum (no additional cost until $9,995 consumed)

ROI Projections & Break-Even Analysis

Break-Even Month
Month 0
When revenue exceeds costs
Year 1 Net Profit
$0
After all expenses
ROI %
0%
Return on investment
Payback Period
0 mo
Time to recover investment

Scenario Analysis

Scenario User Growth Avg Transaction Year 1 Revenue Year 1 Net Profit Break-Even
Conservative 10% monthly $200 $0 $0 Month 0
Base Case 15% monthly $250 $0 $0 Month 0
Optimistic 20% monthly $300 $0 $0 Month 0

Strategic Considerations

  • Market Opportunity: Latin America crypto adoption growing 40% YoY
  • Competitive Advantage: Integrated into existing MyBambu app (no customer acquisition cost)
  • Cross-Sell: Crypto wallet users have 3x higher engagement with other products
  • Remittance Use Case: Lower fees vs traditional remittances (0.25% vs 5-7%)
  • Stablecoin Stability: USDT/USDC provide inflation hedge for LATAM users
  • Tier Upgrade Path: Can upgrade to Enterprise tier when volume justifies it
  • Revenue Synergies: Crypto users more likely to use Bambu Pay, cards, and other services