AI-Native Global Payments · Confidential
为 AI 重建的
全球支付网络The payment network rebuilt for AI
让 AI Agent 像人一样发起、结算每一笔跨境支付。Let AI agents initiate and settle cross-border payments — like humans do.
本轮融资 · The round
融资 Raising$10–30M
投后估值 Valuation$300M
出让 Dilution≤ 10%
Problem · 痛点
在新兴市场，钱进不来、出不去、还会被冻In emerging markets, money won't come in, go out, or stay unfrozen
商户：收付又慢又贵
Merchants: slow & costly
跨境到账等几天、手续费高，现金流被卡。
Days to settle, high fees, cash flow stuck.
没牌照 = 接不进银行、随时被冻
No license = no bank, frozen anytime
逐国牌照是高墙，巨头不愿深耕。
Per-country licensing; giants stay out.
AI 想付款，却没有支付层
AI wants to pay — but can't
Agent 没有身份、钱包、授权与清算。
No identity, wallet, mandate for agents.
Why now · 为什么是现在
三股趋势同时到来Three shifts converging now
本地即时支付普及
Instant local rails
巴西 PIX、墨西哥 SPEI 成为主干。
PIX & SPEI are now the backbone.
稳定币跨境成熟
Stablecoin settlement
法币与加密在同一张网里打通。
Fiat & crypto on one network.
AI 成为付款主体
AI becomes the payer
下一代支付入口，尚无赢家。
The next entry point — no winner yet.
Solution · AideePay
让 AI 替你付钱：真钱、即时、看得见Your AI pays for you — real money, instant, in plain sight
你对 AI 说一句"给他转 30 雷亚尔"，真钱几秒到账，对方的 AI 还会通知主人。Say "send him R$30" — real money arrives in seconds, and their AI notifies its owner.
给对方转 30 雷亚尔 / Send R$30
AI 校验授权 → 即时结算 / verifying → settling
✓ 已转出 R$30 · 4 秒 · PIX
✓ 收到 R$30 / received
AI 通知主人：到账 R$30 / notified owner: +R$30
Product · 产品
架在一张已盈利的支付底盘上Built on a rail that already makes money
终局
EndgameAideePayAI Agent 资金层 / settlement layer for AI agents
身份
IdentityDID给 AI 做 KYC / identity for agents
地基
Base法币底座Fiat rails + licenses
加密底座Stablecoin settlement
DEE 代币Token
Traction · 业绩
不是 PPT 公司，现在就在赚钱Not a slideware company — profitable today
$1.37B≈ 13.7 亿美元半年支付流水6-month TPV
$22M≈ 2197 万美元半年营收 · 环比 +22%revenue · +22% QoQ
$2.4M≈ 237 万美元半年净利 · 已盈利net profit · profitable
1.6% take rate（高于龙头）above dLocal's 0.99%
多国合规运营、已盈利；利润不被收费能力卡住，被通道成本卡住。Multi-country, compliant, profitable. The ceiling is channel cost — not pricing power.
Business model · 商业模式
拿牌 + 直连 = 同样收入，一倍利润Licenses + direct rails = same revenue, double the profit
通道成本/收入 当前Channel cost today
~63%
净利率 当前Net margin today
~11%
净利率 目标Net margin target
~30%
外加牌照浮存：客户余额利息可超过净利（dLocal 实证）。Plus float: customer-balance interest can exceed net profit (proven by dLocal).
Market & competition · 市场对标
对标 Stripe，但为 AI 与新兴市场而建A Stripe for AI agents & emerging markets
| 公司 Company | 关键数据 Key data | 对标点 Read |
|---|
| Stripe | 估值 $159B · 2025 TPV $1.9T（+34%） | 支付基础设施范式 = AideePay 的终极形态 / the infra paradigm |
| PayPal | 市值 $100B+ | 支付平台天花板 / ceiling |
| dLocal | TPV $40.8B · 净利 $197M | 新兴市场可上市 / IPO-able |
| XTransfer | TPV $60B+ · 估值 ~$3B | 跨境 B2B 可高估值 / high multiple |
| Nubank | 拉美数字银行龙头 | 拉美 C 端可买单 / LatAm C-side |
Financials · 三年推演
$300M 入场，2028 隐含 $3.9BEnter at $300M, ~$3.9B implied by 2028
| 年 Year | 营收 Revenue | 净利 Net | 净利率 Margin | 隐含估值 Implied val. |
|---|
| 2025 H1 | $22M | $2.4M | 11% | $324M |
| 2026E | $65M | $6.7M | 10% | $487M |
| 2027E | $135M | $37M | 28% | $1.56B |
| 2028E | $279M | $100M | 36% | $3.92B |
管理层推演：基于现有单位经济 + 降通道 + 拿牌路径，分季度建模。Management projection — built bottom-up from today's unit economics, margin repair and licensing.
Team · 创始合伙人
在最难的市场把支付做成的人Founding partners who shipped payments where it's hardest
Aidee
创始合伙人 · Co-CEO（产品技术）Founding Partner · Co-CEO · Product & Tech
连续创业者，带队产品技术与 AI 支付。
Lafi
创始合伙人 · Co-CEO（商务财务）Founding Partner · Co-CEO · BD & Finance
统筹商务拓展、财务与融资。
Rio
创始合伙人 · 本地渠道Founding Partner · Local rails
常驻墨西哥，本地通道/合规/商务。
Kael
创始合伙人 · CFOFounding Partner · CFO（清科国际联席董事·CFA）
9 年港股投行，IRR ~40%，牵头上市。
＋ CTO Leon · HRBP Amanda · 国外商务 Tony，以及在建的董事会与顾问。+ CTO, HRBP, Head of Intl. BD, and a board in formation.
The ask · 本轮
加入我们，建下一代支付层Join us to build the next payment layer
$10–30M @ $300M≤ 10% dilution · institutional lead preferred
牌照合规 40% · 团队 35% · 新市场 25%。Licensing 40% · Team 35% · New markets 25%.
你投资的是 AI 支付的终局，可信度来自现在就在赚钱的底盘。You're investing in the AI-payment endgame — credible because the rail is already profitable.