PayAttention

Pay with attention,
not money.

9:41

Local coffee shop

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$0$10

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Problem

Marketing is built into the price.
Customers want to pay for products, not ads.

~~Tax~~ad-free

30%savings

Illustrative example

Solution

Brands reward
customers directly.

Customers get upfront discounts at local stores.
In return, they use sponsor offers.

Local coffee shop

Regular price~~$10~~

With PayAttention

$0today

Complete the brand offer to keep the discount, or pay the regular price.

1 / 3

Business model

Businesses bring each other new customers
with upfront discounts.

PayAttention retains a platform fee.

Advertisers pay for verified actions.
Their budgets fund customer incentives.

PayAttentionPlatform fee

📣

Advertisers

Cost per action model

🙋

Customers

Discounted price

🏪

Local businesses

New customers

Verified action

Win-Win-Win

MVP Traction

Target: positive unit economics.
High-value customer data.

85%

Start paying through PayAttention

34%

Open our chat messages

20%

Share bank data and purchase history

21%

Complete an offer

Current advertisers

Amazon
Prime Video
Amazon Music
Microsoft
Instacart
HelloFresh
Nike
Netflix
Google
Meta

Network effect

We help businesses
share customers.

Local businesses invite nearby businesses to reach more customers.

Bank

Advertiser

Coffee shop

Promoter + advertiser

Nail salon

Promoter + advertiser

PayAttention

Vision

“Instinct” with
a reliable GTM

Local trust

Traffic from local businesses

Upfront discount

Direct relationship

Phone + chat
Saved card
Transaction history + email

Repeat sales

Personalised cross-selling

Complete agreed actions or pay only the unearned portion.

Market

300M target transactions
every day in the US

Just 2% of this market is an Instagram-sized marketing channel.

Our early pilot already shows 85% adoption at checkout.

Team

Built by founders with fintech and B2B2C experience

Andrey Monastyrskiy

Co-Founder & CEO

Founded and sold a B2B2C startup to X5. Today its GMV is over $1B.

Previously we co-founded a social-media app for the US market and ran performance marketing ourselves — so we know the pain on both sides.

Danil Larionov

Co-Founder & CPO

Product Owner at Revolut, where he runs a product with a model similar to PayAttention.

The ask

Raising $500K to prepare for scale

Increase repeat usage. Build reliable merchant operations.

SAFE · $5M cap ● $100K already committed

Month 4 targets

20

Merchant locations in Miami

$600K

Monthly volume through PayAttention

$50K

Monthly commission revenue

Then we scale.

Andrey Monastyrskiy

Co-Founder & CEO

andrew@payattention.now LinkedIn

Danil Larionov

Co-Founder & CPO

daniel@payattention.now LinkedIn

Appendix

Additional materials

Financial plan, exit strategy, why now, moat, matching, framing & long-term vision.

Target unit economics

Contribution per action

Action	Business pays	Customer gets	Contribution
Google review*	$10	$3	+$7
Instagram Story	$10	$10	$0
Anonymous feedback	$5	$3	+$2
Bank connection	$0	~$4	−$4

−$0.20Processing per paid order

$0 targetCashier incentives

Current pilot: $5 cashier incentive per new paying customer. We plan to remove this cost.

Target scenario. Full pilot totals await a matching server-ledger report. *Google prohibits review incentives.

Financial plan · Earlier scenario

$150K MRR at M6, break-even at M9,
$400K MRR at M12

$150K

MRR at month 6

M9

Operating break-even

$400K

MRR at month 12

PayAttention retained MRR Costs EBITDA

Appendix · Exit strategy

Acquiring-led sales for banks

A way for banks to open more business and retail accounts — by giving real value to both.

💳

Standard acquiring

Moves money. A commodity — competes on basis points.

Processes payments

+ PayAttention→

📈

Enhanced acquiring

Processes payments and grows merchant revenue.

Acquires customers · covers purchases · drives loyalty

Natural acquirersBanksAcquirersCard networks

Appendix

Why now?

📈

CAC keeps climbing.

Covering a customer’s bill is now cheaper than performance marketing.

🪙

SMB margins get thinner by the day.

Many local businesses live on the edge — they need new revenue streams.

Appendix · Moat

Why this compounds

🔁

Two-sided flywheel

More businesses → more sponsors → better offers → more businesses — and any merchant can flip sides and advertise.

🔒

Loyalty lock-in

Swapping acquiring is easy; ripping out a loyalty program wired into checkout is not.

Team advantageFounded & sold a B2B2C startupFintech DNA — Revolut

Matching · users × advertisers

How we match users and advertisers

Four layers of offers — from the merchant's own world, to universal, to personal, to ones users never knew existed.

      1
🏪Merchant-related offersNative to the checkout you're in
Offers tied to the business’s own world — add-ons, upgrades and partner services around the purchase.

            Add-ons & upgrades
            Memberships
            Partner services
          

      2
🏦General financial offersAnyone qualifies · no data needed
High-value financial actions advertisers pay heavily to acquire — applicable to every user out of the box.

            Open a bank account $20–400
            Switch your payroll $40–1000
            Switch your insurance $40–1000
            Refinance your loans
          

      3
🎯Personalized offersSubstitutes for what you already use
Users share their data — via screenshots, Plaid and Gmail — and we offer cheaper or better substitutes for services they already pay for.

            Screenshots
            Plaid
            Gmail
            → cheaper substitute
          

      4
🔍Discovery offersOffers they didn't know existed
With that data we surface relevant offers the user never knew were available — ones that save them money, effort or time.

            Save money
            Save effort
            Save time
          

    

Frame · what we should be compared with

Our model is a combination of already-proven concepts

PayAttention

AppLovin

$160B valuation

Advertiser-funded actions

Klarna

$6B valuation

Alternative checkout

Rokt

$3.5B valuation

Transaction-moment monetization

Paylode

Acquired by Moved

Embedded perks and incentives

Vision · how to become a unicorn

Sponsored attention becomes
a new class of payment rail

$$$

Credits

Let people pay later

Huge checks$12K average

$$

BNPL

Made credits consumer-friendly

Middle checks$135 average

$

Pay with attention,not money.

Marketing is built into the price.Customers want to pay for products, not ads.

Brands rewardcustomers directly.

Businesses bring each other new customerswith upfront discounts.

Target: positive unit economics.High-value customer data.

We help businessesshare customers.

Bank

Coffee shop

Nail salon

“Instinct” witha reliable GTM

Local trust

Direct relationship

Repeat sales

300M target transactionsevery day in the US

Built by founders with fintech and B2B2C experience

Raising $500K to prepare for scale

Additional materials

Contribution per action

$150K MRR at M6, break-even at M9,$400K MRR at M12

Acquiring-led sales for banks

Why now?

Why this compounds

How we match users and advertisers

Merchant-related offers

General financial offers

Personalized offers

Discovery offers

Our model is a combination of already-proven concepts

Sponsored attention becomesa new class of payment rail

Pay with attention,
not money.

Marketing is built into the price.
Customers want to pay for products, not ads.

Brands reward
customers directly.

Businesses bring each other new customers
with upfront discounts.

Target: positive unit economics.
High-value customer data.

We help businesses
share customers.

“Instinct” with
a reliable GTM

300M target transactions
every day in the US

$150K MRR at M6, break-even at M9,
$400K MRR at M12

Sponsored attention becomes
a new class of payment rail