KapitalWise offering is now closed and is no longer accepting investments.

INVEST IN KAPITALWISE TODAY!

AI powered insights for financial institutions

KapitalWise is a FinTech company providing client relationship solutions to financial institutions to enable them to increase efficiency and user experience. Our platform analyzes data from a variety of sources with the goal of identifying life, financial and credit events to help financial institutions engage with customers at the moment they need the service the most.

This Reg CF offering is made available through StartEngine Capital, LLC. This investment is speculative, illiquid, and involves a high degree of risk, including the possible loss of your entire investment.
KapitalWise

$324,392.25 Raised

REASONS TO INVEST

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We’ve seen YoY revenue growth of 150% from 2018-2019, and have secured early contracts with Bank Of America, Standard Chartered Bank, and ABSA in addition to partnerships with Finastra and ICBA

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A team with over 150 years of combined experience guiding FinTech development, data science, and business development

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The market for FinTech (already $127.66B globally) is predicted to become a major disruptor for the wider financial market space

ABOUT

HEADQUARTERS

43 West 23rd Street
New York, NY 10010
VALUATION

$14.99M

KapitalWise is a FinTech company providing client relationship solutions to financial institutions to enable them to increase efficiency and user experience. Our platform analyzes data from a variety of sources with the goal of identifying life, financial and credit events to help financial institutions engage with customers at the moment they need the service the most.

TEAM

Sajil Koroth

Sajil Koroth

CEO and Founder

Sajil Koroth is a serial entrepreneur with a record of impact at brands like LearnVest, Oracle, and IHS Markit. Before starting KapitalWise, Sajil led engineering at LearnVest and IHS Markit and co-founded two FinTech startups in New York. Sajil has more than 15 years of experience in financial product development, engineering, data science, and machine learning. Sajil is a skilled strategist and operator with subject matter knowledge in wealth management, mutual funds and fixed income, strategy, and operations. He holds an undergraduate degree from the University of Calicut and a postgraduate degree in computer science from the University of Madras.

Paul Stamoulis

Paul Stamoulis

Chairman of the Board

Paul is an experienced banker, investor, and operator in the areas of retail banking, investment banking, and capital markets. He has the ability to lead, manage, and grow complex businesses across various geographies and disciplines in challenging markets. Paul is a managing partner at Clarim Holding, a private holding company that brings together an ecosystem of companies across various targeted sets of verticals. As an experienced banker, Paul has held various senior executive roles at Scotia Bank and TD bank. He holds an undergraduate degree in finance from St. Anselm College and an Executive MBA from Harvard Business School.

Raymond Tuckler

Raymond Tuckler

Director of Business Development

Raymond is a FinTech professional with extensive experience in B2B SaaS business development. Raymond was a founding member of OnDeck sales team where he personally originated $150 million in new business while maintaining between 12-18 new clients per month. Raymond is a professional who believes in hard work ethics as well as enjoying his career and life. He was the director of sales at Exponea before joining the KapitalWise team.

Raymond holds a Bachelors Degree in economics from The City College of New York.

Manuel Morales Phd.

Manuel Morales Phd.

Scientific Advisor

Manuel Morales is an experienced scientist and leader in the field of Artificial Intelligence in banking who often gets called upon for his knowledge and experience in creating business value through AI. He has experience in accompanying businesses through their digital transformation. Based on his scientific expertise, he intuitively sees the threads of opportunity that wind through an organization and helps transform them into value propositions, He remains a member of the scientific community which gives him a valuable perspective and credibility as he links up and aligns technical data science teams with product owners/managers into a coherent transformation strategy.

Ashish Sahu

Ashish Sahu

Lead Data Scientist

Ashish joined KapitalWise in 2017. He currently leads the KapitalWise engineering team from Bangalore. He is a computer science graduate from the Indian Institute of Technology Jodhpur.

Sohail Khan

Sohail Khan

Software Developer

Strong engineering professional with a Bachelor of Technology focused in Computer Science from the Indian Institute of Technology, Jodhpur.

Rajitha Lakshmanan

Rajitha Lakshmanan

Board Member and Engineering Advisor

Skilled information technology strategist with strong analytical, project management, leadership, and programming background. 

TERMS

KapitalWise
Overview
PRICE PER SHARE
$1.47
DEADLINE
May 1, 2021
VALUATION
$14.99M
AMOUNT RAISED
$324,392.25
Breakdown
MIN INVESTMENT
$249.90
MAX INVESTMENT
$106,999.83
MIN NUMBER OF SHARES OFFERED
6,802
OFFERING TYPE
Equity
ASSET TYPE
COMMON
SHARES OFFERED
Common Stock
MAX NUMBER OF SHARES OFFERED
294,556

Maximum Number of Shares Offered subject to adjustment for bonus shares


Company

:

KapitalWise, Inc.

Corporate Address

:

43 West 23rd Street, New York, NY 10010

Offering Minimum

:

$9,998.94

Offering Maximum

:

$432,997.32

Minimum Investment Amount

(per investor)

:

$249.90











Terms


Offering Type

:

Equity

Security Name

:

Common Stock

Minimum Number of Shares Offered

:

6,802

Maximum Number of Shares Offered

:

294,556

Price per Share

:

$1.47

Pre-Money Valuation

:

$14,988,458.10











*Maximum Number of Shares Offered subject to adjustment for bonus shares. See Bonus info below.

COVID Relief

This offering is being conducted on an expedited basis due to circumstances relating to COVID-19 and pursuant to the SEC’s temporary COVID-19 regulatory relief set out in Regulation Crowdfunding §227.201(z).

Expedited closing sooner than 21 days.

Further, in reliance on Regulation Crowdfunding §227.303(g)(2) A funding portal that is an intermediary in a transaction involving the offer or sale of securities initiated between May 4, 2020, and August 31, 2020, in reliance on section 4(a)(6) of the Securities Act (15 U.S.C. 77d(a)(6)) by an issuer that is conducting an offering on an expedited basis due to circumstances relating to COVID-19 shall not be required to comply with the requirement in paragraph (e)(3)(i) of this section that a funding portal not direct a transmission of funds earlier than 21 days after the date on which the intermediary makes publicly available on its platform the information required to be provided by the issuer under §§227.201 and 227.203(a).

Voting Rights of Securities Sold in this Offering

Voting Proxy. Each Subscriber shall appoint the Chief Executive Officer of the Company (the “CEO”), or his or her successor, as the Subscriber’s true and lawful proxy and attorney, with the power to act alone and with full power of substitution, to, consistent with this instrument and on behalf of the Subscriber, (i) vote all Securities, (ii) give and receive notices and communications, (iii) execute any instrument or document that the CEO determines is necessary or appropriate in the exercise of its authority under this instrument, and (iv) take all actions necessary or appropriate in the judgment of the CEO for the accomplishment of the foregoing. The proxy and power granted by the Subscriber pursuant to this Section are coupled with an interest. Such proxy and power will be irrevocable. The proxy and power, so long as the Subscriber is an individual, will survive the death, incompetency and disability of the Subscriber and, so long as the Subscriber is an entity, will survive the merger or reorganization of the Subscriber or any other entity holding the Securities. However, the Proxy will terminate upon the closing of a firm-commitment underwritten public offering pursuant to an effective registration statement under the Securities Act of 1933 covering the offer and sale of Common Stock or the effectiveness of a registration statement under the Securities Exchange Act of 1934 covering the Common Stock.

Investment Incentives and Bonuses*

Time-Based:

Friends and Family Early Birds

Invest within the first 72 hrs and receive an additional 20% bonus shares.

Very Early Bird Bonus

Invest within the first week and receive an additional 15% bonus shares.

Early Bird Bonus

Invest within the first two weeks and receive an additional 10% bonus shares.

Amount-Based:

$500+ | Silver Tier

Access to KapitalWise quarterly investor update emails to stay up to date on new product launches, partnerships, customer lists, and team updates.

$1,000+ | Gold Tier

KapitalWise T-Shirt + Access to KapitalWise quarterly investor update emails + 5% bonus shares.

$5,000+ | Platinum

Gold Tier Perk + 15% bonus shares.

$10,000+ | Diamond Tier

Gold Tier Perk + 20% bonus shares.

The 10% Bonus for StartEngine Shareholders

KAPITALWISE, Inc., will offer 10% additional bonus shares for all investments that are committed by investors that are eligible for the StartEngine Crowdfunding Inc. OWNer's bonus.

This means eligible StartEngine shareholders will receive a 10% bonus for any shares they purchase in this offering. For example, if you buy 100 shares of Common Stock at $1.47/ share, you will receive 110 shares of Common Stock, meaning you'll own 110 shares for $147. Fractional shares will not be distributed and share bonuses will be determined by rounding down to the nearest whole share.

This 10% Bonus is only valid during the investors eligibility period. Investors eligible for this bonus will also have priority if they are on a waitlist to invest and the company surpasses its maximum funding goal. They will have the first opportunity to invest should room in the offering become available if prior investments are cancelled or fail.

Investors will only receive a single bonus, which will be the highest bonus rate they are eligible for.

*All perks occur when the offering is completed.

Irregular Use of Proceeds

The Company might incur Irregular Use of Proceeds that may include but are not limited to the following over $10,000: Salary payments made to one’s self, a friend or relative.

PRESS

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Independent Banker

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Finastra

Finastra powers retail banking innovation with four new fintech apps on FusionStore

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Forbes

Community Banks Met The Challenge Of The SBA’s PPP Funding

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AlleyWatch

This NYC Startup Empowers Financial Institutions to Predict Customer Need With AI

ALL UPDATES

04.30.21

It’s Now Or Never!

Hey,

 

In case you missed yesterday’s email, I want to warn you that this will be your absolute LAST and FINAL chance to invest in our crowdfunding campaign before the deadline...


If you've been putting it off then here it is...


Invest in Kapitalwise before the door closes for good!


Let’s finish strong!


Best,

Team Kapitalwise Inc.


 

04.29.21

The clock is ticking, last chance to invest in this offering

The Kapitalwise team is extremely appreciative of the support and investment so far, with over $315,000 raised. This is the last chance to invest in this offering as the campaign is about to expire.


Thanks,

Team Kapitalwise



04.27.21

Kapitalwise joins Plug and Play Fintech!

Hi,


Excited to share the news. Kapitalwise has been invited to participate in the Plug and Play Fintech accelerator. Plug and Play Fintech was launched in 2015 and has accelerated unicorns such as BigID. 

https://www.plugandplaytechcenter.com/fintech/


Your last chance to invest in this round


This campaign will end in 3 days and this is the last chance to invest in Kapitalwise before the valuation goes up. So, to the investors who haven’t invested yet, this is a great time to hurry up and take action now!


Thanks,

Team Kapitalwise Inc.






04.23.21

75% Funded, Campaign Ending on 30th April

We have been blown away by the positive response to our equity crowdfunding campaign! Due to the momentum, we have decided to end this campaign on April 30th.

Hurry up and invest in the next generation customer engagement automation platform for financial institutions. 


Thanks,

Team Kapitalwise


04.15.21

Launch AI customer engagement for wealth management. Ex UBS executive join the team

Hi,


Kapitalwise extends its AI customer engagement platform to wealth management and independent RIAs. 

With nearly two-thirds of millennial investors preferring an online access point for their investment advice, not having a robust digital offering will be a long-term detriment to even the most qualified and respected investment advisors.

Koin™️ is a digital wealth management tool designed to deepen traditional wealth management relationships.


Ex UBS and Morgan Stanley executive,  Sean Parker who recently joined Kapitalwise as the Chief Strategy Officer will lead this new initiative for Kapitalwise.


Thanks,

Team Kaptialwise 




04.08.21

Kapitalwise white paper: Balancing The Books of Customer Expectations

How do we exceed customer expectations in the most unexpected ways? 


Do you ask them directly or make a random guess and pray for a strikethrough?

Financial institutions aren't fully digital or traditional. Due to diverse consumer segments, forecasting consumer needs calls for a balance between the two.

Here’s an easy-read white paper to help FI marketers get that grip on customer expectations and set better marketing priorities for 2021.


https://kapitalwise.com/whitepaper/Balancing_The_Books_of_Customer_Expectations.pdf


Thanks,

Team Kapitalwise

03.24.21

$305K Raised out of $433K target

Hi,


We are excited to announce that as of 03/24, we have raised $305K out of our $433K goal. The campaign has gained 419 investors and 1K followers, with an average investment amount is $690.00


If you are considering an investment, this might be the right time to do so. 


Thank you for the continued support.


Thanks,

Team KapitalWise 



03.17.21

Notice of Funds Disbursement

[The following is an automated notice from the StartEngine team].

Hello!

As you might know, KapitalWise has exceeded its minimum funding goal. When a company reaches its minimum on StartEngine, it's about to begin withdrawing funds. If you invested in KapitalWise be on the lookout for an email that describes more about the disbursement process.


This campaign will continue to accept investments until its indicated closing date.


Thanks for funding the future.

-StartEngine

03.09.21

KapitalWise invited to join United Nation's Sustainable Development Goals program for financial inclusion

Hi All,


We are excited to announce that KapitalWise Inc. has been invited to join The SDG Impact Accelerator (SDGia) program for financial inclusion.  

SDGia is a novel initiative that leverages the SDGs to serve complex challenges faced by forcibly displaced populations and Least Developed Countries (LDCs) by funneling highly innovative solutions and convening private and public stakeholders around specific development challenges. SDG is backed by organizations such as the Bill & Melinda Gates Foundation and the Republic of Turkey.


https://www.sdgia.org/sdg-impact-accelerator-announces-the-41-startups-selected-for-the-digital-agriculture-and-financial-inclusion-programs/


Thanks,

Team KapitalWise




03.02.21

Notice of Funds Disbursement

[The following is an automated notice from the StartEngine team].

Hello!

As you might know, KapitalWise has exceeded its minimum funding goal. When a company reaches its minimum on StartEngine, it's about to begin withdrawing funds. If you invested in KapitalWise be on the lookout for an email that describes more about the disbursement process.


This campaign will continue to accept investments until its indicated closing date.


Thanks for funding the future.

-StartEngine

REWARDS

Multiple investments in an offering cannot be combined to qualify for a larger campaign perk. Get rewarded for investing more into KapitalWise.

$249.00

StartEngine Owner’s Bonus

This offering is eligible for the StartEngine Owner’s 10% Bonus program. For details on this program, please see the Offering Summary section below.

$500.00

Silver Tier

Access to KapitalWise quarterly investor update emails to stay up to date on new product launches, partnerships, customer lists, and team updates.

$1,000.00

Gold Tier

KapitalWise T-Shirt + Access to KapitalWise quarterly investor update emails + 5% bonus shares.

$5,000.00

Platinum Tier

Gold Tier + 15% bonus shares.

$10,000.00

Diamond Tier

Gold Tier + 20% bonus shares.

JOIN THE DISCUSSION













0/2500

HOW INVESTING WORKS

Cancel anytime before 48 hours before a rolling close or the offering end date.

WHY STARTENGINE?

REWARDS

We want you to succeed and get the most out of your money by offering rewards and memberships!

SECURE

Your info is your info. We take pride in keeping it that way!

DIVERSE INVESTMENTS

Invest in over 200 start-ups and collectibles!

With Regulation A+, a non-accredited investor can only invest a maximum of 10% of their annual income or 10% of their net worth per year, whichever is greater. There are no restrictions for accredited investors.

With Regulation Crowdfunding, non-accredited investors with an annual income or net worth less than $124,000, are limited to invest a maximum of 5% of the greater of those two amounts. For those with an annual income and net worth greater than $124,000, he/she is limited to investing 10% of the greater of the two amounts.

At the close of an offering, all investors whose funds have “cleared” by this time will be included in the disbursement. At this time, each investor will receive an email from StartEngine with their Countersigned Subscription Agreement, which will serve as their proof of purchase moving forward.

Please keep in mind that a company can conduct a series of “closes” or withdrawals of funds throughout the duration of the campaign. If you are included in that withdrawal period, you will be emailed your countersigned subscription agreement and proof of purchase immediately following that withdrawal.

StartEngine assists companies in raising capital, and once the offering is closed, we are no longer involved with whether the company chooses to list shares on a secondary market, or what occurs thereafter. Therefore, StartEngine has no control or insight into your investment after the close of the live offering. In addition, we are not permitted to provide financial advice. You may want to contact a financial professional to discuss possible investment outcomes.

For Regulation Crowdfunding, investors are able to cancel their investment at any point throughout the campaign up until 48 hours before the closing of the offering. Note: If the company does a rolling close, they will post an update to their current investors, giving them the opportunity to cancel during this timeframe. If you do not cancel within this 5-day timeframe, your funds will be invested in the company, and you will no longer be able to cancel the investment. If your funds show as ‘Invested’ on your account dashboard, your investment can no longer be canceled.

For Regulation A+, StartEngine allows for a four-hour cancelation period. Once the four-hour window has passed, it is up to each company to set their own cancelation policy. You may find the company’s cancelation policy in the company’s offering circular.

Once your investment is canceled, there is a 10-day clearing period (from the date your investment was submitted). After your funds have cleared the bank, you will receive your refund within 10 business days.

Refunds that are made through ACH payments can take up to 10 business days to clear. Unfortunately, we are at the mercy of the bank, but we will do everything we can to get you your refund as soon as possible. However, every investment needs to go through the clearing process in order to get sent back to the account associated with the investment.

Both Title III (Regulation Crowdfunding) and Title IV (Reg A+) help entrepreneurs crowdfund capital investments from unaccredited and accredited investors. The differences between these regulations are related to the investor limitations, the differing amounts of money companies are permitted to raise, and differing disclosure and filing requirements. To learn more about Regulation Crowdfunding, click here, and for Regulation A+, click here.

RAISED
$324,392.25
INVESTORS
465
MIN INVEST
$249.90
VALUATION CAP
$15M

@ 2022 All Rights Reserved

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