RoundUp For Good — Investor Deck

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RoundUp For Good

Pre-seed · Investor Deck · April 2026

Round up.
Give back.
Effortlessly.

The problem

Most people want to give.
Almost nobody actually does.

78%

of Americans say they want to give more to charity.

37%

actually donated >$25 to a non-religious charity last year.

3

minutes — the friction window that kills most one-time donations.

The solution

Spare change
becomes real change.

1

connect

Link any U.S. bank in 30 seconds via Plaid. Read-only. We never touch your password.

2

round up

Every coffee, every grocery run rounds up to the nearest dollar. The spare change goes to charities you choose.

3

multiply

Optional +$1 boost per transaction grows annual giving from $12 to $30+ per user.

Try it now

A working iOS
prototype.

Six clickable screens. Real iPhone bezel. Real data tokens. Same React Native code path that ships in production.

Demo URL · open on your phone

roundup-investor-prototype
.vercel.app

Walk through onboarding · Connect a bank · Pick charities · See the dashboard · Toggle the boost · See impact.

Good morning,

Dan

This week's round-ups

$47.32

+$0.69 today · 12 transactions

🚀 Add a +$1 boost?

2.5× your impact.

Recent round-ups

☕ Starbucks+$0.50

🥬 Whole Foods+$0.69

🚗 Uber+$0.26

Why now

Four forces
finally aligned.

①Plaid is mature

Bank linking is a 30-second flow. Used by 80%+ of major U.S. fintech. The infrastructure problem is solved.

②Tap-to-pay is everywhere

95%+ of U.S. merchants accept contactless payments. Round-up moments per user have 3×'d since 2020.

③Donor demand for transparency

71% of donors under 35 want to see exactly where their money lands. Annual impact reports are now table stakes.

④Gen Z gives while spending

37% of Gen Z prefer "give as you go" to one-time giving. They reject the "donate $50 once a year" model entirely.

Market size

A $556B annual
market with no
modern interface.

U.S. charitable giving (TAM)

$556B

Individual donors

$396B

Micro-donations < $25 (SAM)

$72B

18–35 demo, mobile-native (SOM)

$8B

What you get

A real product, shipped.

Round-ups

Plaid-fed automatic round-up on every transaction across all linked accounts.

+$1 boost

Per-transaction donation multiplier. The differentiator: 2.5–11× ARPU lift.

Multi-charity split

Pick 1–5 charities. Round-ups split evenly. Edit anytime.

Impact reports

Monthly: meals delivered, trees planted, students sponsored — translated from your dollars.

DAF disbursement

Charityvest donor-advised fund means tax-deductible at deposit + delayed disbursement to charities.

Streaks & tax docs

Engagement loop + year-end tax-deductibility statement (Patron tier).

Business model

A three-stack
revenue ladder.

Stack 1 · Live at launch

Charity-side
fee · 5%

95% of round-ups go to charity. We deduct 5% before disbursement, like Stripe takes 2.9%. Donors pay nothing. Marketing message: "Your spare change. All of it goes to good."

Stack 2 · Live at launch

Patron tier
$24/yr

3–8% of users will pay to feel virtuous. They get streaks, multi-charity, tax reports, friend challenges, and 100% pass-through (no platform fee).

Stack 3 · Phase 2

Interchange
1.5–2%

Stripe Issuing virtual debit card. User makes RoundUp their primary card. We capture interchange on every transaction. The unlock that turns this into a venture-scale business.

Unit economics

The interchange unlock.

ARPU progression per user / year

Round-ups only

$12

+ $1 boost (median)

$30

+ $5 boost (power user)

$102

+ Patron subscription

$126

+ Interchange (Phase 2)

$370+

LTV / CAC

Phase 1 (no card)

0.5×

Phase 2 (with card)

6.0×

CAC: $250 fully-loaded · LTV at 25% retention. Phase 1 is sustainable as a charity-funded service. Phase 2 is venture-scale.

Sensitivity at -50%

Card adoption 30%→15%$5–7M Y5 ✓

Retention 40%→20%LTV/CAC 3× ✓

ARPU/cardholder $35→$20$162M ceiling ✓

3 of 4 critical assumptions still pencil at half-base.

Competitive landscape

Five axes.
One player ticks all five.

	Acorns	Daffy	RU App	GoFundMe	RoundUp For Good
Donor pays $0?	✗ $3–12/mo	✗ $3–40/mo	✓	~ tip	✓
Mobile-native?	✓	✓	✗ web	~	✓
Charity-first brand?	✗ investing	~ tax-first	✓	~ crisis	✓
Recurring habit?	✓	✗ annual	✓	✗ one-time	✓
Interchange revenue?	~ Spend	✗	✗	✗	✓ Phase 2

Acquisition probability if exit at $5–15M ARR

High: Daffy (just bought RoundUp App) · Medium: Block (Cash App), PayPal Giving Fund · Low–Medium: Chase, Capital One · Low: Acorns (brand pulls toward investing)

Top 12-month risks

Daffy launches free tier (40%) · Acorns adds charity vertical (25%) · Apple/Google native tap-to-give (15%)

12-month roadmap

Three phases. Each unlocks the next.

Months 1–3 · launch

Phase 1

Ship to App Store + Google Play.
Plaid production. Stripe. Charityvest DAF.
Charity-side fee + Patron tier live.
Goal: 5K registered, 1K active donors.

Months 4–9 · interchange

Phase 2

Stripe Issuing virtual card.
Apple Wallet integration. Opt-in flow.
1.5–2% interchange on cardholder spend.
Goal: 10K users, 1.5K cardholders, $200K ARR.

Months 10–12 · B2B

Phase 3

Employer-benefit tier.
$3–5/employee/mo. CSR + HR sale.
Targeting 200–1000-employee companies.
Goal: 2 enterprise logos, $50K ARR.

R

RoundUp For Good

The ask

$750K SAFE,
20% target.

40%

Engineering
(iOS + Phase-2 card)

25%

Marketing &
user acquisition

20%

Legal & compliance
(Stripe Issuing, Reg E)

15%

Operations &
founder runway