Value Generation in Scale 💰
An investment in high value and scale. 💰🚀
With the advancement of Binary's financial infrastructure solutions (such as Fintech OS), companies are creating banking, financial and payment products with a fraction of the traditional cost, and the best part: with almost immediate return as shown in the cases and examples below.
Automate Financial Processes
Sector: Education – Vocational Training School
Problem: The school spent dozens of hours issuing boletos manually, performing bank reconciliation and collections.Solution: Custom system with automated collections, automatic reconciliation and a KPI dashboard.Technology:
Binary Inovoice API;
SEPA integration;
Automated bank reconciliation;
Financial dashboard.
Software Type: Medium-sized Investment: R$ 25,000Support + Regulatory infra: XX.XX
Monthly gain:
Reduction of 2 FTEs: € 6.000,00
Reduction of delinquency by 6% on €100k/month: € 6.000,00
Operational saving with boletos:
Before: 3000 boletos/month x € 3.20 = € 9.600,00
After: 3000 x € 1.79 = € 5.370,00
Monthly savings: € 4.230,00
Total monthly gain: € 6.000,00 + € 6.000,00 + € 4.230,00 = € 16.230,00
Payback: €25.000,00 / € 16.230,00 = 1.5 months
Return in just 1 month.
Scale a Product in the Current Business
Sector: Insurance – Digital microinsurance platform
Problem: Sales limited by payment friction and manual renewal control, lack of activation of old and new customers due to lack of added value.
Solution: App + payments platform with recurring PIX, card checkout and automatic renewal dashboard, virtual card for incentives and bonuses and activation.
Technology:
Recurring payment API (SEPA and card);
Virtual card API for bonus redemption;
Payment links and automated boleto;
Software Type: Medium-sized Investment: € 28.000,00
Support + Regulatory infra: XX.XX
Investment: € 20.000,00 Incentives on prepaid cards.
Monthly gain:
Paying customer base growth: 3000 → 5000 customers
Extra revenue: 2,000 x € 27 = € 54.000,00
Churn reduction: € 2.500,00
Saving with boletos:
2000 boletos/month
Savings: € 2.820/month
Total monthly gain: € 54.000,00 + € 2.000,00 + € 2.820,00 = € 58.820,00 Payback: € 48.000,00 / € 58.820,00 ≈ 1 month after launch to the base.
Create a New Business:
Sector: Finance – Digital account for freelancers and MEIs
Solution: A new fintech built with the complete Binary Fintech OS stack, offering:
Digital account with virtual card;
Issuance of boletos and invoices;
Financial management panel and accounting integration;
Payment links;
Receivables anticipation;
KYC, compliance and ready-made APIs;
Cashback mechanism, credit and monetization through transactions.
Software Type: Large-sized Software investment: € 32.000,00
Marketing investment (first 3 months): € 10.000,00
KYC costs:
€ 5.90*1000 = € 5.900,00
Support + Regulatory infra: XX.XX
Total invested: € 47.000,00 Estimated revenue from the 3rd month of operation:
200 premium users x € 39 = € 7.800,00
Commission from credit, anticipations and transactions: € 5.000,00
Sales of premium cards and additional fees: € 2.000,00
Gains from boleto issuance:
2,500 boletos/month
Charges: € 8.000,00 (€ 3.20 each)
Cost: € 4.475,00 (€ 1.79 each)
Monthly profit: € 3.525
SEPA via payment link
Transaction value: € 100
Market charges 1.99% = R$ 1.99
Cost on Binary: € 0.83 per transaction
Margin per transaction: € 1.16
Volume: 1,000 transactions/month
Monthly profit: € 1.160,00
Credit card one-time payment (1x)
Market: 3.99% + € 0.90 = € 4.89
Binary: 2.56% + € 0.90 = € 3.46
Margin per transaction: € 1.43
Volume: 1,000 transactions/month
Monthly profit: € 1.430,00
Installment credit card (2x to 6x)
Market: average 8.47% = € 8.47
Binary: 3.21% + € 0.90 = € 4.11
Margin per transaction: € 4.36
Volume: 500 transactions/month
Monthly profit: € 2.180,00
Debit card
Market: average 2.59% = € 2.59
Binary: 1.89% = € 1.89
Margin per transaction: € 0.70
Volume: 500 transactions/month
Monthly profit: € 350
Total estimated monthly gain: € 7.800,00 + € 5.000,00 + € 2.000,00 + € 3.525,00 + € 1.160,00 + € 1.430,00 + € 2.180,00 + € 350 = € 23.445,00
Payback: € 47.000,00 / € 23.445,00 ≈ 2 months after launch
Only possible with Fintech OS!
Disclaimer:
The examples presented throughout this material — including investment estimates, financial return, margin per transaction, and payback — aim to illustrate real applications of solutions developed with our software.All projections of revenue, operational costs and gains from spread are simulations based on real case data, previous experiences and benchmarks practiced by fintechs and digital companies that used this model.This content should not be interpreted as an investment recommendation, promise of financial return or performance guarantee.Each business has its own variables, such as operational model, target audience, customer acquisition capability, average ticket, team capacity and entrepreneurial ability, transaction volume and monetization strategy. Therefore, it is essential that each project be evaluated individually, considering its specific context and strategic goals.Our goal here is only to demonstrate how the combination of customized technology and financial infrastructure can generate viable, lean businesses with high scalability potential, when well structured.If you wish to deepen the analysis or validate your own business model, we recommend conducting a personalized financial and strategic study.
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