Solana Agent: E-Invoicing Platform
Unlocking the potential of service businesses through innovative payment solutions.
Executive Summary
Solana Agent is a secure, mobile-first platform for businesses, built for service businesses—locally or globally. With instant stablecoin payments, AI-powered AR/AP automation, and integrated CRM, Solana Agent enables businesses to send invoices, manage receivables/payables, and get paid faster.
Why Solana Agent?
- ✅ In D-App Store now
- ✅ Sellable to any service business, local or global
- ✅ Instant stablecoin payments (USDC)
- ✅ AI-powered AR/AP
- ✅ PDF uploading
- ✅ User messaging
- ✅ Monthly Metrics
- ✅ Secure and Easy
- ✅ Payment links
- ✅ Self-custody
The Business Payments Opportunity
Service Businesses & Remittances Need Better Payments
Market Size
- • 400M+ global service businesses & freelancers
- • $120T+ B2B payments volume worldwide
- • $3T+ annual late payment penalties
- • 60% of SMBs cite cash flow as top concern
Why Now?
- • Stablecoins enable instant, borderless settlement
- • AI automation reduces AR/AP overhead
- • Traditional invoicing is slow, costly, and error-prone
- • Businesses demand faster, smarter payment tools
Product Differentiation
E-Invoicing Platform
Core Features
- • Instant stablecoin payments (USDC)
- • Payment links & professional invoicing
- • Business payments with stablecoins
- • AI-powered AR/AP chat agent
- • CRM with client chat & notifications
- • File uploads (PDFs, contracts, receipts)
- • Early payment discounts & late payment interest
- • Due dates, reminders, and analytics
Security & Compliance
- • Self-custody wallet security
- • End-to-end encrypted messaging
- • No platform custody of funds
- • GDPR & privacy-first design
Competitive Analysis
| Feature | Solana Agent | Stripe | PayPal |
|---|---|---|---|
| Instant Stablecoin Payments | ✅ | ✅ | ❌ |
| AI AR/AP Chat Agent | ✅ | ❌ | ❌ |
| Invoice Creation | ✅ | ❌ | ✅ |
| File Uploads (PDFs, Contracts) | ✅ | ❌ | Partial |
| CRM & Client Chat | ✅ | ❌ | Partial |
| Self-Custody Security | ✅ | ❌ | ❌ |
Self-Custody & Regulatory Advantage
Unlike traditional payment processors, Solana Agent never takes custody of user funds. This self-custody approach eliminates KYC requirements, reduces regulatory overhead, and preserves user privacy while maintaining full compliance.
🔒 No KYC Required
Direct wallet-to-wallet payments mean no identity verification needed:
- •Start using immediately with just email
- •No personal documents or financial history required
- •Complete financial privacy for users
- •Faster onboarding vs. traditional processors
⚖️ Regulatory Benefits
Self-custody eliminates major compliance burdens:
- •No money transmission licenses required
- •No AML/KYC compliance obligations
- •Reduced operational compliance costs
- •Global deployment without jurisdiction restrictions
🎯 How It Works
📱
1. Business Creates Invoice
Using Solana Agent's interface and AI tools
🔗
2. Client Receives Link
Payment link sent via email or chat
⚡
3. Direct Payment
Wallet-to-wallet transfer, no intermediary
Key Advantage
Solana Agent provides the interface, invoicing, AI automation, and CRM—but never touches the funds. This preserves the decentralized, permissionless nature of crypto while adding business-friendly features.
🚀 Competitive Moat
While competitors like Stripe require extensive KYC and money transmission licenses, our self-custody approach allows instant global deployment with minimal regulatory friction—a significant time-to-market and cost advantage.
Revenue Model & Unit Economics
Clear Revenue Streams
- Payment Processing: 2.5% on all transactions
Competitive vs. traditional 2.9% credit card fees
- Token Swaps: 1.25% swap fee
Lower than most DEX aggregators (1-2%)
- Zero Business Fees: Creates business acquisition advantage
Unit Economics
- • CAC: $10.29 (consumer) / $1,432 (business customers)
- • Monthly costs per 1K users: $300
- • LTV: $126 (consumer) / $11,250 (business)
- • LTV/CAC Ratio: 3:1 (consumer) / 8:1 (business)
- • Gross Margin: 70% (after infrastructure costs)
- • Average transaction: $100 (industry research)
- • Revenue per transaction: $2.50
*Based on fintech industry research. Consumer LTV/CAC of 3:1 matches industry benchmark. Business metrics reflect enterprise sales cycle and higher retention rates.
Financial Projections
Projections benchmarked to hel.io's proven growth: 6,000 merchants, 2M users, and $2.4B payment volume in 3 years. Solana Agent's conservative scenario matches this, while the optimistic scenario reflects our broader feature set (AI AR/AP, CRM, stablecoins, web + mobile) and faster go-to-market.
| Metric | Year 1 | Year 2 | Year 3 |
|---|---|---|---|
| Conservative Scenario (Match hel.io) | |||
| • Merchants | 1,000 | 3,500 | 6,000 |
| • Users | 100K | 800K | 2M |
| • Payment Volume | $480M | $1.4B | $2.4B |
| • Revenue (2.5% fee) | $12M | $35M | $60M |
| Optimistic Scenario (Broader Solution) | |||
| • Merchants | 2,000 | 7,000 | 12,000 |
| • Users | 200K | 1.5M | 4M |
| • Payment Volume | $960M | $2.8B | $4.8B |
| • Revenue (2.5% fee) | $24M | $70M | $120M |
Conservative scenario matches hel.io's 3-year trajectory. Optimistic scenario reflects Solana Agent's broader feature set, cross-platform reach, and faster scaling potential. See unit economics model for details.
Go-to-Market Strategy
Phase 1: Local Service Businesses
- • Direct sales to local agencies, freelancers, and consultancies
- • Partner with accounting/bookkeeping firms
- • Partner with Chamber of Commerces
- • Partner with Superteam
- • Demo at local business events and online webinars
- • Create case studies showcasing successful implementations
- • Develop targeted marketing materials for local businesses
- • Utilize social media (LinkedIn and X) content/ads and SEO for visibility
Phase 2: Scale Globally
- • Expand to global markets via partnerships and advertising
- • Leverage Solana ecosystem for cross-promotion
- • Build referral programs for existing users
- • Participate in industry events and conferences
- • Launch targeted ad campaigns in key international markets
- • Update apps with localization to support multiple languages
Team & Execution Record
Bevan Hunt - Founder/CEO
- • 20+ years software development experience
- • Solana ecosystem developer since 2021
- • Built and open-sourced Solana Agent framework
- • Proven execution: shipped functional mobile app in 2 weeks
- • Strong technical background: mobile, security, blockchain
Immediate Hiring Plan (With Funding)
- • Sales & onboarding specialist
- • Advisory board: B2B payments & SaaS experts
- • Community management team
Exit Strategy (3-5 Years)
Solana Agent is positioned for strategic acquisition by financial services giants or a potential IPO, driven by our AI-powered e-invoicing platform and proven revenue growth.
🏢 Strategic Acquisition
Prime acquisition targets with clear strategic fit:
- •Stripe: Add crypto payments & AI automation to their platform
- •Square: Integrate self-custody mobile payments for SMBs
- •PayPal: Modernize with instant stablecoin settlements
- •Coinbase: Add business payments to their crypto ecosystem
- •QuickBooks (Intuit): Native crypto accounting integration
📊 IPO Pathway
Strong fundamentals for public markets:
- •Recurring SaaS-like revenue model
- •$120M+ projected revenue by Year 3
- •High-margin (70%) AI-powered platform
- •Proven business model (benchmarked to hel.io)
- •Global market opportunity in B2B payments
💰 Valuation Drivers
Revenue Multiples
• Fintech companies: 8-15x revenue
• AI/automation platforms: 10-20x
• Conservative 10x on $120M = $1.2B valuation
• AI/automation platforms: 10-20x
• Conservative 10x on $120M = $1.2B valuation
Strategic Premium
• First-mover in AI business payments
• Self-custody regulatory advantage
• Mobile-native Solana integration
• 20-50% premium for strategic value
• Self-custody regulatory advantage
• Mobile-native Solana integration
• 20-50% premium for strategic value
Market Comparables
• Stripe: $95B valuation
• Square: $40B+ public market cap
• Our niche: AI + crypto + mobile
• $1B-$1.5B+ exit potential
• Square: $40B+ public market cap
• Our niche: AI + crypto + mobile
• $1B-$1.5B+ exit potential
🎯 3-Year Exit Target
With $120M ARR, proven AI differentiation, and strategic partnerships, Solana Agent will be positioned for a $1B-$1.5B+ acquisition or successful IPO by Year 3-5.
Conclusion
Solana Agent is the fastest way for any service business to modernize payments, automate AR/AP, and get paid instantly—locally or globally. With a soon to be live product, proven execution, and a clear go-to-market, we’re ready to scale business payments for the next generation.
With Alliance DAO and Circle’s support, Solana Agent will become the definitive platform for secure, instant, and intelligent business payments worldwide.