💰Revenue Model
1. Cost of Money In vs. Cost of Money Charged Out (Net Interest Margin)
This is the core revenue source for the platform, leveraging the difference between the rate of return offered to investors and the rate charged to borrowers.
Revenue Structure
Cost of Money In: Investors receive 8%–12% p.a., depending on the asset class and risk profile.
Cost of Money Charged Out: Borrowers are charged 15%–20% p.a., reflecting the premium for early-stage project financing and tokenized finance options.
Net Margin: The platform retains the difference, typically around 5%–8% p.a..
Example Calculation
Total capital deployed = $500M.
Average cost of money in = 10%.
Average cost of money charged out = 18%.
Net margin = 8% of $500M = $40M annually.
2. Upfront Finance Fees
MAIV charges borrowers a percentage of the total capital raised as an upfront fee, compensating for due diligence, onboarding, and project structuring.
Revenue Structure
Typical fee range = 1%–3% of the total capital raised.
This is a one-time fee per project but is a significant contributor, especially for large-scale funding.
Example Calculation
Total capital raised in a year = $500M.
Average fee = 2%.
Revenue = $500M × 2% = $10M annually.
3. Wealth Management Fees
MAIV charges investors an annual management fee based on their assets under management (AUM). This provides a steady, recurring revenue stream.
Revenue Structure
Typical fee range = 1%–2% of AUM.
This fee covers platform operations, investor support, and administrative services.
Example Calculation
AUM = $500M.
Average fee = 1.5%.
Revenue = $500M × 1.5% = $7.5M annually.
4. Profit-Sharing
Profit-sharing provides an additional upside when projects exceed their expected performance thresholds.
Revenue Structure
Profit-sharing is triggered on project returns above the promised yield (e.g., 20% p.a.).
The platform retains 10%–30% of excess profits as a performance bonus.
Example Calculation
Total capital deployed = $500M.
Average yield promised to investors = 15%.
Actual average return = 22%.
Excess return = 7% of $500M = $35M.
Platform’s share (30% of $35M) = $10.5M annually.
5. Additional Revenue Streams
Platform Licensing (White Label)
MAIV charges white-label clients for access to its technology and platform.
Licensing fee range: $100,000–$500,000 per client annually.
Assume 5 white-label clients, each paying an average of $300,000.
Revenue = $1.5M annually.
Transaction Fees
Small fees per transaction processed through the platform, typically 0.1%–0.5%.
Assume total transaction volume = $1B annually.
Average fee = 0.2%.
Revenue = $1B × 0.2% = $2M annually.
Cross-Selling and Ancillary Services
Additional services like insurance, tax advisory, or investment planning.
Estimated revenue = $500,000 annually.
Total Revenue Summary
Key Assumptions
Total capital deployment and AUM of $500M annually.
White-label client base grows steadily, contributing recurring revenue.
Average return on deployed capital allows for sustainable profit-sharing without overly diluting investor returns.
Transaction volume and ancillary services provide supplementary but growing revenue streams.
Profitability Potential
With a high net margin from the cost of money differential and scalable ancillary revenues, the MAIV project is positioned for significant profitability.
As AUM and transaction volumes grow, recurring revenue from wealth management and transaction fees will further stabilize earnings.
White-label services add diversification, reducing dependence on direct investment operations.
This model ensures sustainable, diversified, and scalable revenue for MAIV, enabling long-term growth and market leadership.
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