The Operating Systemfor Global Trade

NGDB.ai enables global trade without banks, without infrastructure ownership, and without Letters of Credit.

Solving the $2.5 trillion trade finance gap using AI underwriting, programmable ownership, and embedded finance.

Sub-3s Underwriting
No Letters of Credit
AI-Native Platform
$2.5T
Trade Finance Gap
<0.2%
Proven AI Model
Sub-3s
Underwriting Speed
100%
Title-as-a-Service
Core Innovations

Why NGDB.ai Wins

Replacing legacy infrastructure with a fully programmatic trade ecosystem.

AI-Native
Proprietary AI Underwriting
Agentic LLM frameworks parse Bills of Lading, invoices, and port data in real-time. Proven <0.2% default rate inherited from Tiller Capital models.
  • Sub-3 second credit decisions
  • 40% higher approval rates via alternative data
  • Fraud detection with 70% fewer false positives
  • Behavioral anomaly & network risk scoring
Learn More
LC Replacement
Title-as-a-Service
Bankruptcy-remote SPVs in Singapore/UAE hold legal title of goods in transit, completely eliminating the need for slow, expensive Letters of Credit.
  • Same-day vs. 2–8 weeks for traditional LCs
  • 0.5–1.5% cost vs. 2–5% for Letters of Credit
  • Programmable digital ownership (not paper-based)
  • Open to all qualified traders, not just banks
Learn More
Multi-Rail
Embedded Finance Liquidity
Connecting private credit directly to trade assets via Tier-1 BaaS APIs (JPMorgan, BofA), virtual cards, and SWIFT/SEPA rails.
  • Tier-1 BaaS: JPMorgan, BofA, Citi sponsor banks
  • Virtual card rails (Visa/Mastercard certified)
  • SWIFT/SEPA cross-border settlement
  • SCF marketplace with 3–8% yield
Learn More
Stripe for Trade. Palantir for Risk.

NGDB.ai is the AI-native operating system for global trade—replacing Letters of Credit with programmable ownership and embedded finance.

Technology

Enterprise Infrastructure

Built on cutting-edge AI/ML with bank-grade security and global scalability.

The Execution Moat

Platform is 60% complete. Built by former Reliance Jio CTO who scaled systems to 350M+ users and processed $20B+ in transactions. De-risked execution with proven operators, a massive $30T market, and an asset-light model.

60%
Tech Complete
350M+
Users Scaled
$20B+
Transactions Processed
Backend

Spring Boot / Node.js

Database

PostgreSQL, Redis

Streaming

Kafka, Event-driven

Cloud

AWS, Kubernetes

AI-Native Capabilities

Agentic AI Trade Engine
OpenClaw-style agentic AI with Claude + Gemini Pro parses Bills of Lading, invoices, and port data in real-time for sub-3 second credit decisions.
Real-time Risk Assessment
40% higher approval rates using alternative data (Plaid, Yodlee, Open Banking). 70% reduction in false positives. Proven <0.2% default rate from Tiller Capital models.
Two-Tier Credit System
Tier 1: Card-based embedded credit up to $10M via JPMorgan/BofA/Citi. Tier 2: SPV-based structured finance above $10M with institutional lenders and receivable tokenization.

Platform Architecture

Title-as-a-Service Architecture
Bankruptcy-remote SPVs in Singapore, UAE (ADGM/DIFC), and Netherlands hold legal title during transit—eliminating Letters of Credit entirely.
Event-Driven Microservices
Spring Boot / Node.js microservices with Kafka event-driven backbone, Kubernetes orchestration, and PostgreSQL / Redis data layer.
BaaS & Rail Integrations
Visa/Mastercard certified virtual cards, SWIFT/SEPA cross-border rails, KYC/AML tooling, and Tier-1 BaaS APIs with full regulatory compliance.

Security & Compliance

Compliance-first architecture meeting the highest standards of financial security and regulatory oversight.

SOC 1
SOC 2 Type II
PCI-DSS
PA-DSS
ISO 27001
GDPR
PII Certified
Growth Roadmap

Roadmap to $5 Billion GTV

A disciplined, three-phase strategy from proving unit economics to institutional-scale tokenized trade assets.

$100M GTV
Phase 1: The Wedge
Months 6–18
Dominate 1–2 high-margin corridors (e.g., US–India tech hardware). Prove unit economics with Series A capital and boutique private credit partners.
Target 2–3 high-margin trade corridors
Prove <0.2% default rate at scale
Close $3M–$5M Series A with live data
40-day average cycle, 9x per year
$1B GTV
Phase 2: Network Effect
Months 18–36
Launch White-Label SaaS for regional banks, PE firms, and logistics providers. Partners bring their client base; NGDB.ai provides the AI and transaction OS.
White-label SaaS ($2K–$10K/month)
Regional bank & PE firm onboarding
Logistics provider partnerships
85–90% gross margins on SaaS layer
$5B+ GTV
Phase 3: Institutional Scale
Months 36–60
Tokenize AI-vetted invoice portfolios into programmable assets for sovereign wealth funds, pension funds, and Tier-1 private credit. Create a secondary market for trade assets.
Invoice portfolio tokenization
Sovereign wealth fund access
Secondary market for trade assets
100x–200x return at Series B
$30T
Global Trade Market
$2.5T
Trade Finance Gap
70%
SME Rejection Rate
15%
Digital Penetration

Join the $5B GTV Journey

NGDB.ai is raising a $500K Seed Round to fund the 6-Month POC and execute the first live transactions. Targeting 10x–15x at Series A and 100x–200x at Series B.

Seed Investment Opportunity

Join the Global Trade OS Revolution

De-risked execution (60% tech complete) + proven operators + massive $30T market + asset-light model = exceptional seed opportunity.

$500K

Seed Raise

Post-Money SAFE (YC Standard)

$15M

Pre-Money Valuation

Silicon Valley / Delaware C-Corp

10x–15x

18-Month Target

Series A at $50M–$75M valuation

100x–200x

36-Month Target

Series B at $500M–$1B valuation

Use of $500K Seed Capital

Tech & Engineering
40%

Finalize AI trade engine, microservices, and user portals

$200K
Legal & SPV Setup
25%

Establish bankruptcy-remote SPVs and Title-as-a-Service legal frameworks

$125K
Compliance & Banking
20%

BaaS integration, KYC/AML tools, and Visa/Mastercard certification

$100K
GTM & Liquidity
15%

Customer acquisition and initial balance sheet for first live transactions

$75K

Proven Leadership Team

KK
Kumar Kushal
Founder, CEO & CTO

Former Reliance Jio CTO; JioMoney Founder; Tiller Capital CTO

Scaled systems to 350M+ users, $20B+ in transactions processed

AM
Afzal Modak
CFO & CRO

GE Capital veteran; Columbia Business School; PE/VC network

Ex-GE Capital, GSV Investment Fund — Capital Markets & Risk

Founders are drawing zero salary until revenue generation — 100% of seed capital goes to execution.

4 Offices

Dallas • Seattle • Dubai • Bangalore

60% Built

Platform tech readiness

6 Months

POC to first live transactions

Global Offices

Dallas

USA

North America HQ

Seattle

USA

Technology Hub

Dubai

UAE

Middle East / ADGM

Bangalore

India

Asia Pacific

Our Mission

Build the AI-native operating system for global trade—replacing Letters of Credit with programmable ownership and embedded finance—unlocking the $2.5 trillion trade finance gap for SMEs worldwide.

Partners & Investors

Strategic Partnerships & Investment

Building the future of B2B fintech through strategic partnerships and innovative investment opportunities.

Banking Partners
Banking-as-a-Service
Strategic partnerships with leading financial institutions for embedded banking solutions.

Key Benefits:

  • White-label banking services
  • Regulatory compliance
  • Global payment processing
Technology Partners
Integration Ecosystem
Seamless integration with payment processors and fintech infrastructure providers.

Key Benefits:

  • API-first architecture
  • Real-time connectivity
  • Scalable infrastructure
Investment Partners
Strategic Investors
Backed by leading venture capital firms and industry investors.

Key Benefits:

  • Growth capital
  • Market expertise
  • Global expansion support
Revenue Model Highlight
Diversified revenue streams ensuring sustainable growth and profitability
35%
Discount Fees

1-3% on financed invoices

25%
SaaS Platform

Monthly/annual subscriptions

20%
Interchange

Virtual card transactions

10%
Data Analytics

Benchmarking & insights

10%
White-label

Platform licensing

Investment Opportunity

Join us in building the AI-native Operating System for Global Trade — solving the $2.5 trillion trade finance gap with programmable ownership, AI underwriting, and embedded finance.

$500K Seed
Current Raise
$15M
Pre-Money Valuation
10x–15x
Target at Series A (18 months)

Ready to Partner with NGDB.AI?

Whether you're a financial institution, technology company, or investor, we offer tailored partnership opportunities to drive mutual growth.

Contact & Demo

Get in Touch

Ready to transform your B2B payments? Contact our team for a demo and consultation.

Request Demo & Partnership
Our team will contact you within 24 hours
Quick Demo
See our platform in a 15-minute live demo
Global Offices
24/7 support across time zones

Dallas, USA

CST

+1-430-288-4894

Seattle, USA

PST

+1-206-847-4125

Dubai, UAE

GST

+971 4 123 4567

Bangalore, India

IST

+91-7019123933

Direct Contact
Reach out directly for immediate assistance

General

hello@ngdb.ai

CEO Direct

kushal@ngdb.ai

Partnership

partnerships@ngdb.ai

Investors

investors@ngdb.ai