We're raising our pre-seed. Here's the honest version of where we are and what we're building.
The ask: $500K pre-seed.
The problem we're solving: less than 2% of stablecoin supply touches real commerce. Not because the rails are bad. Because the billing engine, settlement routing, and reconciliation infrastructure above the rails hasn't been built. We're building it.
The product: Ribbit is the settlement engine for onchain commerce. Pull payments (automated billing without per-transaction signing), Yield-to-Pay (savings yield funds subscriptions automatically), flexible settlement (merchants configure any token or split ratio), POS + online from one network, sub-second finality, no chargebacks.
The traction: True pull payments demo live and working. 4-5 merchant MOUs in progress. Merchant onboarding beginning now.
The team: Ex-Paytm (400M+ users), Ex-Verifone (scaled B2B POS systems), 14+ years in consumer fintech, product, design, and backend infrastructure. We've built at scale before.
The timing: GENIUS Act regulatory clarity. Visa, Stripe, Mastercard all repositioning around stablecoin orchestration. The window is open.
The use of funds: 45% engineering and Move developers, 25% infrastructure and security, 20% MOU-to-pilot conversion, 10% GTM and BD.
We're not asking for a leap of faith. We're asking for capital to convert working technology and signed merchant intent into a live product.
If you're an investor building a position in stablecoin infrastructure, payment orchestration, or onchain commerce. we should talk. DMs open.