↓ Download PDF
Pre-Seed · 2026
Unlock bigger purchases
with the credit you already have.

QUARVO is a Credit Combination Technology platform that enables users to split high-value purchases across multiple existing credit cards — no new loans, no new debt.

Contact
[email protected]
Website
quarvo.io
Stage
Pre-Seed
02 / 12 — The Problem
The real limit isn't your total credit.
It's how fragmented it is.
The average American professional holds $12,000+ in available credit across 3+ cards. But every checkout forces you to use just one — leaving thousands in purchasing power completely invisible to the system.
REALITY 01
You have the power
Most professionals carry $8K–$15K in available credit spread across multiple cards.
REALITY 02
But checkout says no
Every checkout is built for one card. One limit. One ceiling. Your real power — invisible.
REALITY 03
The cost is real
Missed flights. Lost hotel deals. Delayed purchases. Friction that costs consumers and merchants.
03 / 12 — Market Opportunity
A massive market with
zero direct competitors.
$122B
US BNPL market 2025
3.8
Avg cards per American
$0
Direct competitors today
TAM
$890B
Total US credit card purchase volume annually — every large transaction is a potential QUARVO use case.
SAM
$48B
High-value purchases ($500+) where credit fragmentation creates friction — our immediate target segment.
04 / 12 — The Solution
Not more credit.
A smarter way to use what you have.

QUARVO is the first platform that lets users split any high-value purchase across their existing credit cards in seconds — no new loans, no credit checks, no new accounts.

Enter purchase
Tell QUARVO the total. That's it. QuantumSplit™ does the rest in milliseconds.
Optimal split
Our algorithm builds the best allocation across your connected cards automatically.
Purchase complete
Done in seconds. No new debt. No new accounts. Your buying power, finally unlocked.
05 / 12 — Why We Win
QUARVO vs everything else.
Feature
BNPL (Klarna/Affirm)
QUARVO
Uses existing credit
✕
✓
No new debt created
✕
✓
No credit check required
✕
✓
Works with your existing cards
✕
✓
Instant approval
✕
✓
No interest on new credit
✕
✓
Klarna gives you credit you don't have. QUARVO unlocks the credit you already do.
06 / 12 — Business Model
Simple. Transparent.
Profitable per transaction.
Revenue Model
$5.99
Flat platform fee per split transaction, charged to the user. Clear, upfront, no surprises. Stripe processing fees also apply and are passed through at cost.
Unit Economics
Strong from Day 1
With Stripe's ~2.9% + $0.30 per charge and our $5.99 flat fee, QUARVO generates positive margin on every transaction above ~$200. Average target transaction: $1,500–$3,500.
Example transaction
Purchase amount $2,400
Split across 3 cards
Stripe fees (est.) ~$71.10
QUARVO platform fee $5.99
QUARVO net revenue $5.99
1,000 tx/month = ~$6K MRR at launch
07 / 12 — Traction
Early signal is
strong and growing.
—
Waitlist signups
0
Paid marketing spend
100%
Organic growth
Product
Live at quarvo.io
Landing page live. Waitlist collecting. Core infrastructure (Netlify, Loops, Resend, Stripe) fully configured and operational.
Next 60 days
Closed Beta
Inviting first 100 waitlist users to test the split payment flow with real transactions. NPS and cohort data to follow.
08 / 12 — Go-To-Market
Three channels.
One clear target.
Channel 01
Direct to consumer
SEO content targeting "split purchase across credit cards" and related queries. High intent, low CAC. Twitter/X and LinkedIn for brand building among professional demographics.
Channel 02
Merchant partnerships
Travel agencies, luxury retailers, and high-ticket e-commerce embedding QUARVO at checkout as a "smart split" option alongside standard payment methods.
Channel 03
Referral loop
Every successful QUARVO split creates a shareable moment. Built-in referral mechanics targeting the social sharing of big purchases — travel, electronics, events.
Target user profile
US professional, 28–45, HHI $80K+, 2–4 credit cards, makes at least 2 high-value purchases ($500+) per year. Motivated by convenience and maximizing existing credit rewards — not by getting new credit.
09 / 12 — Roadmap
12 months to
product-market fit.
Q2 2026

Closed Beta — 100 users

Launch invite-only beta with waitlist users. Core split functionality. Real Stripe transactions. Collect NPS and transaction data.

Q3 2026

Public Launch + First Merchant Partner

Open public access. Sign first merchant integration deal (travel or luxury retail). Launch referral program. Target: 1,000 active users, $100K GMV.

Q4 2026

Growth + Mobile App

iOS/Android native app. 3+ merchant integrations. Target: 5,000 active users, $500K GMV monthly. Begin Seed fundraise.

Q1–Q2 2027

Seed Round + Scale

Raise $2–3M Seed. Expand merchant network. Enterprise API for large retailers. Target: 25,000 active users, $2M+ GMV monthly.

10 / 12 — Team
Built by people who
understand the problem firsthand.
F
Founder / CEO
Add your name here
Background in fintech, payments, or consumer tech. Replace this with your real bio — investors invest in people first. Your story, your credentials, your unfair advantage.
C
Co-Founder / CTO
Add your name here
Engineering background. Experience building payment systems or financial products. Replace with your real background and what makes you uniquely qualified to build this.
We're hiring
Looking for a Head of Growth and a Senior Full-Stack Engineer post-funding. If you know someone exceptional, reach out at [email protected]
11 / 12 — The Ask
Raising our
Pre-Seed round.
$500K
Pre-Seed · SAFE · $6M Cap
40%
Product Development
Core web app, Stripe integration, QuantumSplit™ algorithm
30%
Growth & Marketing
SEO, paid acquisition, first merchant partnerships
20%
Team
Head of Growth + Senior Engineer
10%
Legal & Operations
Compliance, IP, infrastructure
12 / 12 — Let's Talk
Split smart.
Buy bold.

The credit is already there. The problem is real. The market is enormous. And nobody is solving this — yet.

[email protected]
quarvo.io · Confidential · © 2026 QUARVO