An industry veteran with 10+ years of experience shipping
products at top-tier companies in fintech and
crypto.
Skydrop Labs is a Delaware company, fully remote by design — no
offices, no overhead. Marko is on the road year-round, meeting the users, partners, and communities that
drive adoption.
The foundation of the ecosystem — the open infrastructure every money app, and every AI
agent, runs on.
For developers, institutions, and agents
Layer
02
drop and Dripelo are
the apps.
dropNeobank and crypto super app
DripeloInformation-driven investment app
For everyone, in every country
MoneyOS·drop·
03
The problem
Money is broken.
Traditional banks
Days to settle, closed nights & weekends
They hold your money — and can freeze it
Borders, FX fees, and gatekeepers
Legacy brokers
T+2 settlement, market hours only
You own an IOU, not the asset
High fees — and trades can be halted
Crypto today
Complex, intimidating UX
High fees and failed transactions
Hacks, scams, and lost keys
MoneyOS·drop·
04
The thesis
Moneybecomessoftware
Softwarebecomescoordination
Coordinationneeds anoperating system
The only way to dominate the market is with a superior product: pristine
UX
and complete capabilities.
MoneyOS·drop·
05
The architecture
drop & Dripelo
the apps
Your app
embedded wallet
AI agents
via the CLI
MoneyOS
Open infrastructure for modern value
MoneyOS·drop·
06
11 capabilities
Self-Custody
Passkeys · seedless
Social Identity
Send to @usernames
Send to Anyone
Only they can claim
Multi-Chain
BTC · ETH · SOL · EVM
Collect & Distribute
Tips · airdrops · requests
Trade
Best aggregated rates
Perps
Up to 50x · Hyperliquid
Yield
Passive · automated
Wallie
Your AI money agent
eSIM
Any country · pay crypto
Debit Card
Spend anything anywhere
drop
07
for developers
Build money into anything.
Developer surface
Embed into any app: https://demo.dropwallet.app
EIP-1193 + Wallet Standard
Command Line Interface (CLI)
AI Agent-ready, policy-bound
MoneyOS
08
The frontier
Agents are the new institutions.
Any AI agent can plug into MoneyOS
and transact onchain — at machine speed, bounded by policy.
MoneyOS
09
Intelligence
Meet Wallie. Money on autopilot.
An autonomous agent that plans, saves, pays, and rebalances — around the clock.
drop
10
Business model
We earn where value moves.
Swap & transfer fees
Perps transaction fee cut
Staking rewards and stablecoin yield split
Card transaction fee cut
Premium Account subscription
SDK / API
Enterprise / white-label
MoneyOS·drop·
11
Opportunity
Billions are entering
digital finance.
$231B
Neobanking market, 2025
~$5T
Projected market, 2035
~36%
Compound annual growth
Neobanking market size · USD billions
231
357
553
855
1,324
2,050
2,605
3,202
3,799
4,397
4,994
20252026202720282029203020312032203320342035
Source: Precedence Research — precedenceresearch.com/neobanking-market
We have opportunities for supergrowth in developing countries, while maintaining a steady push in the US and EU.
MoneyOS·drop·
12
The app
Every wallet is an address. Every bank account is a number. drop
is you.
Your identity is your social account, phone, or
email — no
crypto addresses, no random IDs, just a tip of a finger away. Other wallets pick a few of these. drop.wallet is
the only
one that does all of them.
A combination no other wallet has
Self-custodial
Secure
Private
Global
Multi-chain
Completely feeless
Gasless
Seedless
Passwordless
AI-powered
Agentic
Post-quantum ready
Immune to address poisoning
UI customizable
drop
13
The platform
Others embed a wallet. We embed a bank.
Capability
Wallet providers
MoneyOS
Embedded, self-custodial wallet
✓
✓
Swap, yield, staking & perps
—
✓
Debit card, fiat ramps & eSIM
—
✓
AI money agent
—
✓
Full neobank, out of the box
—
✓
MoneyOS·drop·
14
Financial projections
A lean path to $5M ARR.
$0.1M
2026
$1.1M
2027
$5M
2028
400K
Active users by 2028
~1.2%
Blended take rate on volume
~85%
Gross margin at scale
Net revenue across fees, subscriptions, and
enterprise. Illustrative model driven by user growth. These figures represent our most
conservative estimate.
MoneyOS·drop·
15
Integrations
Powered by the best service providers.
Bridge
Jupiter
MoneyOS·drop·
16
The ask
Round to close by
October
2026
Raising to put MoneyOS and its apps in front of the
world.
We are prioritising strategic
partners and may close the round early if oversubscribed.
$1M
Target raise
$1.5m
Hard cap
$10M
Post-money SAFE cap
10–15%
Equity on conversion*
3 years
Runway
* Investing via a post-money SAFE at a $10M
valuation cap — 10% at the $1M target, 15% at the $1.5m hard cap — converting at the next priced
round. Additionally, investors receive a pro-rata crypto token
allocation matching their equity (launch decision at company's discretion).
Growth
Hire a Growth and Marketing lead
Paid ads
KOL promotions
Hackathons
Product
Hire a Product developer
Card & payment rails
Trading terminal
Agent capabilities
MoneyOS·drop·
17
The call
The operating system for money, markets, payments, and
all of capitalism
A new infrastructure layer where wallets become identity, social platforms
become payment rails, and self-custody becomes the default.
MoneyOS
drop
Layer
02
Bridge
Jupiter
