Governance · Risk · Growth

Month snapshot —

Needs attention

Derived live from indicator statuses + overdue items. Nothing hand-curated.

Health map

worst status per pillar × dimension · gray = no data yet

Multi-period outlook — net revenue vs gates

net revenue = fee & other revenue − provider fees · plan trajectory is illustrative until ratified (see Decisions)

Liquidity — provider floats

balances not tracked yet — logging them is the first liquidity control
Provider / railFloatDaily demandDays covervs threshold
Funding-channel flag: Anchor funded via personal-account bridge (Equity → LU personal → Revolut) — the Zeepay licence-loss pattern. See decisions.

Net revenue vs burn

Products — usage, net revenue, licence, risk

ProductTxnsNet revenue% of net revLicenceRisk

Net revenue concentration

appetite: no product > 60%

Compliance — licences ⇄ products

✓fully covered ◑partially / provider ✗not covered –out of scope

Applications & regulatory deadlines

Roadmap & product decisions

multi-year lanes · ⚖ tags flag licence gates

Growth & trust

MetricValueTrend / note

Qualitative signals & insights

partnerships · complaints · brand · competitive

Risk & control watch

summary counters — investigation happens in Fondeka Admin; gray tiles await wiring

Investor metrics & unit economics

observed cohort data only
MonthSignup → KYC → fundedCost/signupCost/KYCCAC
Cohort ageTransacting accountsRetentionState / basis
CohortAccountsObserved net revenueAllocated spendLTV:CACPaybackState / basis
Missing Finance inputs remain unavailable, never zero.

Actions

Decisions pending