Investor Relations · Denaro Pay

The infrastructure
layer for the future
of trading finance.

Denaro Pay is building the financial operating system for the 4 million funded prop traders and 1.4 billion unbanked people that the existing system fails structurally.

Contact investor relations →
§I
Market
Opportunity

A market that existing infrastructure cannot serve.

The funded prop trading market, the global freelancer economy, and the 1.4 billion unbanked share a common problem: the financial system was not built for them. Denaro Pay is.

Funded traders
4M
Funded prop traders globally. Growing at over 40% year-over-year driven by platform expansion. Average payout: $2,400. Average annual payout volume: $28,800. These traders wait 14 days for their money and pay 3% to move it internationally.
Unbanked adults
1.4B
Adults globally without access to a bank account. Unable to accept global payments, earn yield, or hold stable value. USDC on Base solves all three with a smartphone and a government ID.
Global remittance market
$900B
Global remittance flows per year. Average cost: 6.2% per transfer via traditional rails. Denaro Pay cost: $0.001 per transfer, regardless of amount or destination. The savings are structural, not incremental.
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Revenue
Six streams

Six revenue streams. All charged where value is delivered.

Stream I
Bot licensing
$99 per month per active CREST AI subscriber. Recurring SaaS revenue. Churn protected by performance alignment.
Stream II
Performance fee
10% of net trading profits from US prop firm clients. Revenue scales directly with trader performance and volume.
Stream III
Yield spread
Denaro Pay retains a portion of the gross Morpho Blue yield above the 5.20% APY passed to users. Scales with AUM.
Stream IV
Pay Advance fee
2% per advance disbursed to CREST AI users against confirmed prop firm payouts. Wire-collected, zero credit risk.
Stream V
Card interchange
Marqeta passes a portion of the Visa interchange fee to Denaro Pay on every card transaction. Scales with card spend volume.
Stream VI — Q4 2026
Merchant fee
0.50% per merchant transaction. Launching Q4 2026. Structurally more profitable than card interchange at equivalent volume.
§III
Traction
Live platform

Platform built. Live at denaropay.com.

The full platform is live and operating. Wallet, Visa card, yield, CREST AI, and Pay Advance are all functional. The merchant layer launches Q4 2026.

Platform live atdenaropay.com · denaropay.app
Wallet infrastructureCircle Programmable Wallets · Base
Card issuer activeMarqeta · Visa
Yield protocol liveMorpho Blue · 5.20% APY
CREST AI connectedTradovate · Rithmic OAuth · 5 prop firms
Pay Advance live2% fee · wire-collected
Countries covered150+
Merchant layerLaunching Q4 2026
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Company
Structure

Company overview.

Legal nameDenaro Pay Incorporated
Entity typeC-Corporation — Delaware
FoundedQ4 2025
HeadquartersNew York, NY
Founder and CEOJeffrey Terranova
ContactJeffrey@denaropay.com
Regulatory statusFinCEN MSB — KYC/AML compliant
Custody partnerCoinbase Prime
Stablecoin partnerCircle Internet Financial — USDC
Download whitepaper PDF →
§V
Contact
Investor relations

Contact investor relations.

All investor inquiries are handled personally by Jeffrey Terranova. No IR firm intermediary.

Investor relations
Jeffrey Terranova
Jeffrey@denaropay.com
Whitepaper
Technical document
Download PDF
Partnerships
Strategic partners
Jeffrey@denaropay.com