The financial platform for emerging-market freelancers & online businesses
Receive global payments. Manage funds. Withdraw locally. Spend globally.
Keeal is a product of Microxen Inc.
02
Global work has expanded. Financial access has not.
Freelancers and online businesses in emerging markets juggle several disconnected services just to get paid and operate:
- Receive international client payments
- Verify their professional activity
- Convert and withdraw earnings
- Access reliable local support
- Hold funds safely
- Pay for global tools & subscriptions
- Obtain an internationally usable card
Today's fragmented journey
Client
Payment provider
Separate wallet
Bank withdrawal
Card provider
What it creates
The problem isn't finding work — it starts the moment the money is earned.
03
Recognized freelancers, still‑fragmented tools
Government-recognized identity
Bangladesh operates an official Freelancer ID platform under the ICT Division and Department of ICT.
Documented cross-border income
It accepts payment-statements, bank statements and remittance records as proof of freelance earnings.
Large foreign-income economy
Bangladesh remains a major recipient of cross-border financial inflows from global work.
The missing financial layer
No single platform yet connects collection, balances, local payouts, banking and card spending.
An official Freelancer ID framework confirms freelancing as a formally recognized economic category — while its document requirements show continued reliance on fragmented platforms.
04
Built in Bangladesh, by Bangladeshi founders
The incumbents serving this market were not built here. We were.
Local founders, local context
We live the same workflows as our users — Freelancer ID documentation, bank payout timing, and support expectations in Bangladesh.
Incumbents aren't built here
The tools freelancers use today are largely run by foreign companies, without Bangladeshi founders or deep local operating knowledge.
Shipped from real user pain
Keeal is built from support threads and payout behavior on the ground — not imported playbooks from markets that don't look like ours.
Bangladesh market at a glance
650K+
Freelancers — among the world's largest pools of online labour (beachhead workforce)
$32.8B
National remittance inflows (2025) — macro cross-border economy, not freelancer-only
+22%
National remittance growth YoY — shows scale of inbound cross-border money
Top 10
Global online labour supply — ICT Division & Oxford Internet Institute
Sources: World Bank Migration & Development Brief (2025); Bangladesh Bank (2025); Bangladesh ICT Division; Oxford Internet Institute.
Why this team
Bangladeshi founders building the financial layer Bangladesh's freelancers still don't have — with local onboarding, support, and payout behavior global platforms weren't designed for.
05
A $100B+ market, riding emerging-market flows
TAM
$103B
Global digital remittance market by 2034 — from ~$29B in 2025 (15.1% CAGR)
SAM
10%+
South Asia — double-digit remittance growth sustained through 2025
SOM
650K+
Bangladesh's freelancer workforce — one of the world's largest pools of online labour. Keeal's beachhead.
Global digital remittance market
~15.1% CAGR · 2025–2034
Sources: Precedence Research, digital remittance outlook (2025); World Bank Migration & Development Brief; UN DESA (2025); Bangladesh ICT Division / Oxford Internet Institute.
06
Start in Bangladesh. Expand across South Asia.
Regional expansion path
Bangladesh
01 · Initial market
Pakistan
02 · Next
Sri Lanka
03
Nepal
04
South Asia
05 · Platform
$690B
Remittance flows to low- & middle-income countries (2025)
+22%
Bangladesh remittance growth in 2025 — up from $26.9B in 2024
$32.8B
Bangladesh remittances in 2025 — an all-time record
Sources: World Bank Migration & Development Brief (2025); Bangladesh Bank (2025). South Asia was the fastest-growing remittance region in 2024, sustaining double-digit growth into 2025.
07
One platform to earn, manage, withdraw — and spend
Live today
International client payment
Keeal balance
Local bank payout
Next phase
Payments + supported rails
Multi-currency account
Local payout or Keeal card
Live product capabilities
- • Payment links & client checkout
- • Invoicing
- • Customer identity verification
- • Balance management
- • Local-bank payout requests
- • Settlement & transaction tracking
- • Customer support
Planned expansion
- • Multi-currency USD account — hold & protect earnings
- • Branded virtual & physical cards
- • International card spending & controls
- • Premium account plans
- • Business & agency tools
- • Additional supported payment rails
08
Built around the user's complete money journey
Receive
Create a payment link or invoice and collect from an international client.
Verify
Complete identity & business verification through structured onboarding.
Manage
Track balances, settlements, payouts and disputes in one place.
Withdraw
Request a payout to a supported local bank account.
Coming next
Keeal multi-currency account + card & banking-style access
Provider agreement secured — integration in progress
09
Global infrastructure, built around local realities
Keeal combines the accessibility of a local platform with the capabilities of global financial infrastructure.
10
Transaction revenue today. Recurring & card next.
Revenue today
- • Transaction-service fees
- • Platform fees
- • Payment-processing margin
- • Payout-related fees where applicable
Revenue next
- • Monthly premium account plans
- • Multi-currency account & FX margin
- • Card fees & interchange share
- • Premium withdrawal options
- • Agency & business subscriptions
- • API & enterprise services
Phase 1
Payment & payout fees
Phase 2
Card & account revenue
Phase 3
Recurring subscriptions & business services
We are not asking investors to value hypothetical revenue — proven transaction demand is the entry point to a broader financial relationship.
11
Community-led first. Scalable partnerships next.
Phase 1 — Proven organic channels
- • Freelancer communities
- • Referrals & word of mouth
- • Social-media content
- • Direct customer support
- • Educational onboarding content
Phase 2 — Funded growth channels
- • Freelancer training organizations
- • Agencies & outsourcing firms
- • Universities & skill programs
- • Creator & industry partnerships
- • Referral incentives & affiliates
- • Targeted digital acquisition
Each new market is entered through local payout coverage, compliance localization and trusted community distribution — not generic advertising.
12
Our moat grows with every verified user
Local operating knowledge
Onboarding, support, documentation and payout behavior in Bangladesh.
Verified-user network
A growing base of identity-verified freelancers and online businesses.
Transaction data
First-party insight into payment sizes, payout behavior and risk patterns.
Integrated infrastructure
Payment, balance, payout, compliance, banking and card in one platform.
Community trust
Responsive regional support and direct relationships with users.
Expansion playbook
A repeatable framework for entering other underserved markets.
Infrastructure can be licensed by anyone — Keeal's moat is the customer layer: verified users, transaction history, local risk knowledge and distribution that compound over time.
13
From payment platform to financial operating system
0–6 months
- • Complete banking & card integration
- • Compliance & program onboarding
- • Launch multi-currency account + card beta
- • Strengthen fraud & monitoring
- • Improve settlement automation
- • Expand local payout reliability
6–12 months
- • Launch premium account tiers
- • Expand card access to eligible users
- • Introduce business & agency features
- • Reach 10,000 verified users
- • Grow payment & settlement volume
- • Build repeatable acquisition channels
12–18 months
- • Enter selected South Asian markets
- • Add payout & funding methods
- • Expand premium card offerings
- • Launch API & business payment tools
- • Grow recurring account & card revenue
- • Prepare for a seed round
The base banking & card provider agreement is already in place — this round moves us from agreement to integration, launch and distribution.
14
Raising $500K to launch the next phase
Round
Pre-Seed
Instrument
Post-Money SAFE
Target raise
$500,000
Valuation cap
$6M post-money
Capital raised to date
$0 · founder-funded
Use of funds
- Product & engineering35%
- Compliance, legal & security25%
- Growth & distribution20%
- Operations & support10%
- Infrastructure & contingency10%
Keeal has validated the need through live payment activity and organic adoption. This round transforms Keeal from a payment-and-payout platform into the financial home for emerging-market freelancers and online businesses.
Earn globally.
Manage locally.
Spend anywhere.
Keeal is a product of Microxen Inc.