The Orchestration Layer
for
Emerging Markets
Enaqd is a technology and orchestration layer that integrates licensed partners to deliver financial services. We are not a bank, not an EMI, and not a custodian.
We Build Infrastructure, Not Vaults.
Enaqd acts as a technology and orchestration layer that integrates licensed partners to deliver financial services in a compliant way. We simplify access by combining payments, digital assets, and marketplaces.
Compliance-First Layer
Our platform is designed to operate in strict compliance with local regulations by integrating licensed infrastructure.
Partner-First Architecture
We unify PSPs, card issuers, and crypto on/off-ramp providers into one seamless user experience.
The Orchestration Model
The Financial Super-App
QR Payments
Seamless QR-based checkout for local merchants and marketplaces.
Fiat & Crypto
Access digital assets and local currency via regulated infrastructure partners.
Digital Gold
Buy and sell digital gold through our network of regulated custody partners.
Unified Ecosystem
Combining payments, digital assets, and marketplaces into a single seamless experience.
Merchant Discovery
Enaqd isn't just a wallet; it's a gateway. Discover local businesses, browse marketplaces, and pay instantly using our partner-powered flows.
- QR-based merchant payments
- Integrated transfer flows
- Merchant categorization
Cards & Issuance
Access virtual and physical cards issued by our licensed partners. Manage your spending, set limits, and enjoy global acceptance—all inside Enaqd.
- Virtual & Physical cards
- Partner-issued infrastructure
- Real-time category tracking
The Orchestration Core
How we power financial services without holding your funds.
1. Partner Connectivity
Licensed banks, PSPs, and custodians connect to Enaqd via secure, enterprise-grade APIs. We act as the bridge.
2. Smart Orchestration
Our logic layer routes instructions between users and partners, ensuring compliance, speed, and safety at every step.
3. Unified Interface
You experience a seamless financial super-app. Your funds stay exactly where they belong: in regulated accounts.
Compliance & Trust
Enaqd does not provide regulated financial services directly. All regulated activities such as payments, card issuing, crypto exchange, and custody are handled by licensed third-party partners.
Capitalizing on Emerging Markets
Enaqd is positioned to capitalize on the rapid digitization of financial behavior across Georgia, Central Asia, and expansion markets.
Market Dynamics
These markets are characterized by rapid smartphone penetration and young, digitally native populations hungry for modern financial tools.
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Digital payments growing at 15–25% CAGR
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Underdeveloped multi-service platforms
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Strong cross-border demand
Growth Targets
Asset-Light & Capital Efficient
Enaqd operates an orchestration model, avoiding balance-sheet risk while maximizing scalability. We do not hold inventory or lock up capital.
Faster Time-to-Market
Rapid deployment through partner integrations rather than building from scratch.
High Operating Leverage
Gross margins improve materially with scale as user base grows.
Lower Friction
Reduced regulatory burden in early phases by leveraging partner licenses.
Scalable Logic
Add new services without rebuilding core infrastructure.
Super-App Strategy
Enaqd is designed from day one as a super-app ecosystem, not a single-feature product. This diversity improves revenue predictability and increases LTV.
Initial Revenue
- • Subscriptions (Premium)
- • Marketplace Commissions
- • Partner Integrations
- • Non-intrusive Advertising
Expansion Revenue
- • Merchant Services & Tools
- • Financial Product Distribution
- • Digital Assets & Alt. Investments
- • Mini-app Value Added Services
The Roadmap
Foundation
- • Marketplace Launch
- • QR Payments
- • Crypto On/Off-ramp
- • Digital Gold Launch
- • Pilot: Georgia
Scale
- • Virtual & Physical Cards
- • Enhanced P2P Features
- • Mini-app Ecosystem
- • Regional Expansion
Maturity
- • Full Super-app Ecosystem
- • Global Partnerships
- • Advanced AI Insights
- • Cross-border Flows