Settlement Liquidity
for Instant Card Spend
Mirage Finance is a privacy-first neobank that converts on-chain funds into instant card spend using prefunded settlement capital — not operational burn.
Card Networks Require
Prefunding for Speed
Prefunded Balances Required
Card issuers require prefunded balances for instant authorization. No exceptions.
Without Liquidity
T+1 / T+2 delays, poor user experience, metadata leakage during settlement windows.
Functional Requirement
Speed is both a functional and privacy requirement. Not a luxury.
Liquidity Is Infrastructure,
Not OPEX
OPEX
(Not This Raise)
- Salaries
- Marketing
- Office
- R&D runway
CAPEX
(This Raise)
- Settlement float
- Card authorization buffer
- Throughput enablement
- Working capital reserve
This capital circulates. It does not burn.
What Prefunded Liquidity Unlocks
Instant Card Authorization
No waiting for deposits to clear or settle before enabling spend.
Bypass Deposit Processing
No reliance on ACH timing or blockchain confirmation delays.
Higher Daily Transaction Volume
More transactions per user without hitting velocity limits.
Lower Fraud & Reversal Risk
Prefunded liquidity acts as a buffer against chargeback exposure.
Predictable Settlement Behavior
Card networks see consistent, reliable settlement patterns.
Competitive User Experience
Match or exceed the speed expectations of traditional fintech.
Analogy: This functions like clearing capital at a payment processor.
Crypto In → Card Spend Out
User Deposits Crypto
Cross-chain deposits aggregated
Privacy Routing
Transaction aggregation layer
Card Issuance Rail
Connected to settlement network
Instant Settlement
From prefunded liquidity pool
Continuous Replenishment
Inflows refresh capital
Liquidity circulates continuously as users deposit and spend
This Capital Is Not Consumed
If volume slows, liquidity remains intact and adjustable.
Observable
Real-time tracking of capital deployment
Bounded
Fixed caps on daily settlement exposure
Recoverable
Can be scaled down or redeployed
Aligned Incentives
for Providers & Investors
Card Issuers
- Higher transaction volume
- Interchange revenue growth
- Lower settlement risk
- Predictable cash flow patterns
Liquidity Providers
- Revenue share on card spend
- Fixed yield on deployed capital
- Optional upside participation
- Transparent utilization metrics
Both parties benefit from volume growth, not capital consumption.
Why Mirage Finance
Privacy-Native Users
Our user base prioritizes privacy and speed. They need instant settlement without metadata leakage.
Cross-Chain Inflows
Multi-chain deposits create diverse, high-volume inflows for liquidity replenishment.
Aggregated Transaction Pools
Privacy aggregation creates larger settlement batches, improving capital efficiency.
Higher Liquidity Utilization
Every dollar of liquidity serves multiple users through pooled settlement.
Mirage maximizes liquidity efficiency per dollar deployed.
Bounded, Observable, Adjustable Risk
Daily Settlement Caps
Maximum daily exposure limits prevent overextension
Velocity Limits
Per-user and per-transaction rate controls
Real-Time Monitoring
Live dashboard tracking utilization and exposure
Circuit Breakers
Automatic pause triggers on anomalous behavior
Multi-Signature Controls
Liquidity deployment requires multi-party approval for enhanced security.
Collateral Backing
User deposits provide natural collateral for settlement obligations.
Scalable Down
Liquidity can be reduced proportionally if volume decreases.
The Ask
Raising For
Initial Settlement Liquidity (CAPEX)
Purpose: Enable instant card spend authorization
Not funding: Operations, salaries, or marketing
Not funding: Operational burn or runway extension
We are raising to unlock throughput — not to extend runway.