20APY is a fintech platform that utilizes blockchain technology to provide fixed-income investment opportunities with a guaranteed annual return of 20%, backed by receivables from small business credit card transactions. This model offers a secure alternative to traditional banking investments, addressing the low returns and complexity often associated with conventional financial products.
Funding
$25K raised to dateRaised to date based on public sources. This may differ from the amount the company actually raised and is based only on what is publicly available on the internet.
Founders
Product
Problem
Traditional fixed-income investments often offer low returns, while alternative investments like cryptocurrencies can be highly volatile and complex. Many investors seek higher, more stable returns than traditional banking products provide, but are wary of the risks associated with newer asset classes.
Solution
20APY is a fintech platform that provides fixed-income investment opportunities with a target annual return of 20%, backed by receivables from small business credit card transactions. The platform aims to offer a secure alternative to traditional banking investments by connecting investors with small businesses seeking financing. By financing small businesses and using credit card receivables as collateral, 20APY seeks to generate higher returns for investors while maintaining a degree of security through regulatory oversight and established financial mechanisms. The investment model is designed to be accessible, with a low minimum investment, and is regulated by Brazilian financial authorities.
Target Audience
The primary target audience includes individuals seeking higher returns than traditional fixed-income investments, those looking to diversify their investment portfolio with a relatively secure asset, and investors interested in supporting small business growth.
Features
- Investments are backed by credit card receivables from small businesses.
- Target annual return of 20%.
- Low minimum investment threshold of R$1,000.
- Investment model regulated by the Banco Central do Brasil and the Comissão de Valores Mobiliários do Brasil.
- Limited investment rounds to maintain exclusivity.