deck

2. Pitch Deck (15 slides)

Slide 1 - Cover (LAVisions layout)layout: title_hero · 16:9
Tempo
The pace of pay, reset.
Slide 2 - Problem (LAVisions layout)layout: problem_split · 16:9
the problem
$100B a year drained from 78M hourly workers by the pay gap.
01
Workers wait two weeks for money they earned
60%+ can't cover a $400 emergency.
02
The gap feeds predatory lenders
Payday loans near 400% APR, overdraft $35 a hit.
03
Platforms can't build it alone
50-state licensing means 2+ years and millions spent.
$100B+
drained from hourly workers every year by the earning-to-pay gap.
Tempo market analysis, 2026
Slide 3 - Solution (LAVisions layout)layout: solution_image_left · 16:9
the solution
Instant pay, built in. Not bolted on.
One integration lets any platform offer earned pay in its own app, while Tempo carries the licences and the risk.
Slide 4 - Product (LAVisions layout)layout: product_split · 16:9
the product
The pay infrastructure platforms turn on in weeks, not years.
01
Instant Pay API
One integration renders earned pay in your own app.
02
Compliance as a service
Tempo holds the 50-state licences and handles settlement.
03
Risk and funding engine
We front the float; advances repay automatically at payday.
Platforms go live in weeks and never touch regulated money.
Slide 5 - How it Works (LAVisions layout)layout: how_it_works · 16:9
How it works
Five steps from shift worked to money in hand.
Step 01
Work your shift
Earnings accrue in real time as work completes.
Step 02
See your balance
Earned pay appears inside the app you already use.
Step 03
Tap to cash out
One tap moves money instantly to any debit card.
Step 04
Spend it now
The Tempo Card puts your balance to work immediately.
Step 05
Payday clears it
The advance repays automatically. No loan, no fee spiral.
Money that moves at the speed of the work.
Slide 6 - Value Proposition (LAVisions layout)layout: value_prop · 16:9
Value proposition
The only instant-pay layer platforms can turn on and earn from.
Current Solutions
Payday loans and overdraft
  • Predatory APR and fees
  • Outside the platform
  • Separate lender, no cover
  • No platform revenue
DTC apps (Earnin, Dave)
  • Flat but recurring fees
  • Separate app and login
  • Licensed to the app, not you
  • No platform revenue
Build it in-house
  • Low, once it ships
  • Embedded after 2+ years
  • You build 50-state licensing
  • Pure cost centre
With Tempo
  • Low flat or employer-funded fee
  • Embedded, live in weeks
  • Tempo holds every licence
  • Revenue share plus retention
The only option platforms switch on in weeks and profit from.
Slide 7 - Features (LAVisions layout)layout: product_split · 16:9
Features and benefits
Everything a platform needs to pay workers instantly.
01
Instant Pay API
Earned pay, native to your app.
02
Tempo Ledger
Real-time earnings, balance and repayment.
03
Risk Engine
We fund advances; near-zero losses.
04
Compliance Cover
50-state licensing and settlement handled.
05
Tempo Card
Workers spend their balance instantly.
Why now
Three shifts are making instant pay table stakes.
01
Labour is scarce
Platforms compete on how fast workers get paid, and instant pay is fast becoming the deciding factor in who workers choose.
02
Regulation is turning favourable
States are formally separating earned-wage access from lending, which de-risks the category and clears the path for embedded pay.
03
Real-time rails matured
FedNow and RTP make instant settlement cheap and ubiquitous for the first time, so money can move the moment a shift ends.
Market opportunity
A $12B fee pool in US hourly pay, no clear leader.
TAMSAMSOM
$12BTotal addressable market
78M US hourly workers x embedded pay and payroll fees
Tempo analysis, US EWA and payroll, 2026
$3.5BServiceable addressable market
Workforce platforms that would white-label pay
TAM filtered to the platform-embedded segment
$64MServiceable obtainable market
About 1.8% of SAM by Year 5
Year-5 revenue on the current growth plan
Slide 9 - Business Model (LAVisions layout)layout: business_model · 16:9
business model
Recurring revenue per active worker, every month.
Main income
Instant pay and interchange
$4.50 per active worker per month, blended.
Unit economics
Platform SaaS fee
$2.00 per active worker per month.
Slide 10 - Go To Market (LAVisions layout)layout: product_split · 16:9
Go to market
Land mid-market platforms, then expand worker by worker.
01
Land mid-market platforms
Staffing, delivery and gig marketplaces hungry for retention integrate fast and prove value quickly.
02
Partner through payroll tech
Embed via WFM, HR and payroll systems already sitting between platform and worker.
03
Revenue share, not a bill
Tempo pays the platform a share, turning the buying decision from cost into profit.
04
Land and expand
Start with instant pay, add the Tempo Card, then savings; ARPU compounds per worker.
05
Reference-led enterprise
Use mid-market wins and retention data to move upmarket to national platforms.
Slide 11 - Team (LAVisions layout)layout: team_grid · 16:9
The team
Fintech operators who have shipped regulated money at scale.
Maya Chen
Co-founder & CEO
Built money-movement products at Stripe and led payroll at Gusto. Ships regulated fintech at scale.
Daniel Okafor
Co-founder & CTO
Built card-issuing and ledger infrastructure at Marqeta, earlier at Plaid. Owns Tempo's real-time ledger and risk engine.
Priya Raman
Head of Risk & Compliance
Ran money-transmitter licensing and BaaS compliance at Cross River Bank. Holds Tempo's 50-state licence map.
Slide 12 - Competitive Advantage (LAVisions layout)layout: competitive_matrix · 16:9
Competitive advantage
The only embedded, licensed, self-funding pay layer.
Tempo sits top-right, alone.
01
Regulatory moat: 50-state licences that take years to replicate.
02
Own funding and risk engine keeps losses near zero.
03
Embedded in the platform, not another app chasing the worker.
04
Revenue share locks platforms in and compounds our data.
Compliance and funding depth
Embedded in the platform
Earnin
DailyPay
Wagestream
Tempotempo
Slide 13 - Roadmap (LAVisions layout)layout: roadmap_3phase · 16:9
Roadmap
From US instant pay to the financial layer for hourly work.
2027
Series A
Prove
US instant-pay API generally available
Grow 17 to 100 platforms
40k to 120k active workers
Tempo Card beta
Land first national platform
2028 - 2029
Series B ($30M)
Scale
300k to 600k active workers
Launch savings and financial wellness
Enter the United Kingdom
Series B funds licensing and float
Expand the Tempo Card
2030 - 2031
Growth
Platform
Pass 1M active workers
Embedded credit-building
Enter Canada
Financial operating system for hourly work
EBITDA positive
Slide 14 - Forecast (LAVisions layout)layout: forecast_kpi_chart · 16:9
Forecast
Profitable in Year 5, cash positive throughout.
Capital Raised$10.0m2 rounds
Revenue (24m)$6.6mcumulative
Minimum Cash$2.8mMonth 13
Cash at Month 24$2.8mperiod end
The first 24 months of a five-year plan to profitability.
Slide 15 - Ask (LAVisions layout)layout: ask_kpi_charts · 16:9
The ask
Raising $10M Series A to reach 300k workers and profitability.
The Ask$10MSeries A, priced
Runway24 monthsto 300k workers and Series B
Profitable fromYear 5EBITDA positive at 18% margin
Cash bridge · $M
Cost allocation