Loadit is an AI-powered financial rail that converts cash, cards, and fiat into stablecoins and crypto in seconds. Its patent-pending Unified Financial Rail uses AI Enhanced Routing Optimization (AERO) to route every payment across the cheapest, fastest network available.

How does Loadit turn cash into crypto?

A shopper pays with cash or card at a merchant on the Loadit network. The transaction is tokenized, identity-verified, and routed by AERO across L1s, L2s, Lightning, or banks — settling on-chain in seconds while the merchant still receives familiar fiat.

AERO (AI Enhanced Routing Optimization) is Loadit's routing engine. It scores routes across legacy processors, blockchains, and liquidity pools in real time, choosing the optimal settlement path on every transaction — cutting fees by up to 86%.

Which networks does Loadit support?

Loadit arbitrates across Bitcoin, Ethereum, Solana, Base, XRPL, Polygon, the Lightning Network, and traditional banks — treating them as one unified rail.

Yes. Loadit uses end-to-end encryption, identity verification bound to every transaction, in-rail compliance with cryptographic audit trails, continuous AI monitoring, a self-healing network, and post-quantum-ready primitives.

Loadit

Investor Brief · Confidential

Move Value.
Anywhere.

The AI-powered financial rail. Cash and cards in — Bitcoin, stablecoins, and the future of money out, routed the cheapest real way by HQ, your money's AI.

Pre-Seed (SAFE)·trudellcolton@gmail.com

01 · The Problem

Moving money still breaks at the edges.

Cash → crypto is a rip-off. Bitcoin ATMs skim 7–15%. Card on-ramps bury 4–5% spreads users never see.
The people who need it most pay the most. ~60M underbanked US adults run on cash — the single most expensive way onto digital rails.
Liquidity is fragmented. Value is scattered across dozens of chains; users guess the network and overpay on every transfer.

“

The internet moved information for free. Value still moves like it's 1971.

02 · The Solution

One AI rail that routes any value the cheapest real way.

Tell HQ what you want. It parses the intent, scores every network and licensed partner in real time, delivers straight to your own wallet — and proves it got you the best price.

Your AI does everything

One intelligence that routes, quotes, executes, and explains — in plain language, on your phone.

Non-custodial

Loadit never holds funds

Licensed partners settle straight to a wallet you control. No float, no money-transmitter burden.

Proof

Best price, receipted

Every route ships with a signed receipt showing it beat the alternatives. The money app that proves it.

03 · The Product · Live on iOS

HQ — your money's AI, in your pocket.

Say it

HQ routes everything

“Turn $200 cash into Bitcoin.” HQ returns a grounded route with live fees and one-tap buy.

Load

Cash or card → crypto in 4 taps

Method → amount → coin → wallet. Licensed checkout, delivered to you.

Quote

Live provider comparison

Zero Hash, Transak, MoonPay and more — compared live, best deal first, signed receipt attached.

Cash

Cash at any register

Deposit paper cash at 90,000+ stores, then buy crypto through a licensed on-ramp.

04 · How It Works

Four steps. Non-custodial end to end.

Say it

Tell HQ the move in plain language, or run the Load flow.

HQ routes

Scores 8+ networks and every licensed partner for the cheapest real path.

Partner executes

A licensed provider does KYC + settlement. Loadit never touches funds.

It lands

Crypto arrives in your own wallet — with a receipt proving the price.

05 · Why Now

Three curves just crossed.

Stablecoins

Trillions now settle on-chain

Digital dollars went mainstream. The demand to move between cash and chains is here and growing.

Infrastructure

On-ramps became APIs

Coinbase, Stripe, Zero Hash and others turned licensed KYC + settlement into callable endpoints. We orchestrate them.

Intent is now parseable

LLMs can turn “send my mom $200 the cheapest way” into a structured, grounded route in real time.

06 · Market

A wedge into a multi-hundred-billion-dollar flow.

TAM$400B+

Global on-ramp + remittance + cash-to-digital volume, annually.

SAM$60B

US cash-to-crypto & underbanked digital payments.

SOM$4B

Reachable GMV at Loadit's 3-year adoption target.

Figures are directional estimates from public market sizing.

07 · Business Model

A flat 0.75% fee — cheaper than the bank.

0.75% flat, shown before you confirm. One transparent fee on the amount converted — no hidden spread, no surprise math.
Undercuts every rail. 0.75% beats bank & debit on-ramps (1–2%), cards (4–5%), and Bitcoin ATMs (7–15%). Price is the moat.
Non-custodial by design — licensed partners settle the money, so Loadit avoids money-transmitter licensing: high margin, fast to scale.

Unit economics · $150 order

Order value$150.00

Convenience fee (0.75%)$1.13

Marginal cost~$0.05

Contribution~$1.08

08 · The Math

Revenue scales with usage, not store count.

Wedge$135K/yr

10K users · 1× tx/mo · $1.5M/mo GMV

Traction$2.7M/yr

100K users · 2× tx/mo · $30M/mo GMV

Scale$36M/yr

1M users · 2× tx/mo · $400M/mo GMV

Cash App scale$2.0B/yr

57M users · 2× tx/mo · $20B/mo GMV

0.75% convenience fee, ~$150–200 avg order. Illustrative, not a forecast.

09 · Where We Are

Built, live, and routing real quotes.

Live

iOS app shipping

HQ, Load flow, live quotes

Licensed partners wired

Coinbase · Stripe · Zero Hash · Transak · MoonPay

90K+

Cash-access stores

Deposit-to-crypto reach today

Networks routed

L1s, L2s, Lightning & banks

Product is real. HQ chat, the Load flow, and signed live-quote receipts are running against production infrastructure.
Rails are connected. Routing hits real provider APIs and returns grounded prices — no vaporware demo.

10 · Defensibility

The moat is the rail, the AI, and the proof.

Patent-pending Unified Rail

One invention, 25 claims across routing, temporal settlement, quantum optimization, offline mode, and compliance.

The intelligence layer

A money-native AI that parses intent and routes — the interface users trust and return to.

Architecture

Non-custodial by construction

No float, no licensing drag — a structurally leaner operator than custodial competitors.

Network

Partner + cash reach

Licensed on-ramps plus a 90k-store cash footprint that new entrants can't switch on overnight.

11 · Landscape

Everyone does one piece. HQ does the whole path.

	Loadit	BTC ATMs	Direct on-ramps	Cash App
Cheapest-route AI	●	—	—	—
Best-price receipt	●	—	—	—
Non-custodial	●	—	some	—
Cash access	●	●	—	●
Any chain / any asset	●	—	some	—
Low fees	●	—	mid	mid

12 · Roadmap

From wedge to universal value layer.

2025

Launch

Unified rail MVP live; iOS app + pilot users.

2026

Regional scale

Growth engine, register network, first 100K users.

2027

National

Coast-to-coast coverage and partner distribution.

2028

Global stablecoin rails

Cross-border settlement across dollar networks.

2030+

Universal value layer

Cash, crypto, and energy on one protocol.

13 · The Ask

Raising $5M to turn a live product into a movement.

Use of funds

Product & engineering40%

Growth & user acquisition25%

Partnerships & compliance20%

Team & operations15%

What it funds

Public App Store + Play launch and first 250K active users.
Direct partner rebate & licensing deals that lift the take rate.
Native register cash-network integration (QR at the point of sale).
Core hires across engineering, growth, and compliance.

Pre-Seed (SAFE)trudellcolton@gmail.com loadit.net

Move Value.Anywhere.