Recurring Subscription RevenueA subscription and renewal fee model creates recurring revenue and predictable cash inflows over time. This durable income base supports long-term planning, customer lifetime value optimisation, and cross-sell initiatives that can increase ARPU if retention and distribution remain intact.
Partner Distribution NetworkEmbedded partnerships with banks, credit unions and retailers offer scaled, low-cost distribution and customer access. These relationships provide a structural advantage in customer acquisition and potential stickiness, enabling product reach without proportionate marketing spend.
Positive Gross MarginA positive ~13% gross margin indicates products price above direct costs and that unit economics can be viable. If management controls operating expenses, this margin provides a foundation to move toward profitability as scale improves and fixed costs are levered.