The first app for verzicht-based savings.
While other apps only show where money goes, we show what to give up to reach goals faster.
For children (bike), adults (sabbatical), families (Disneyland).
Blockchain infrastructure · MiCA-compliant · Government incentives (€640-€1,380/year) · B2B data platform
Cannes Lions, Effie Awards and Federal Government projects - we combine marketing excellence with government-grade blockchain technology.
Marketing & Strategy
Founder & Chief Executive Officer
"I was looking for a way to invest without taking from my existing assets. If I give up something, I can invest - but there was no platform for that. That's how StaySaved was born."
Technology & Innovation
Founder & Chief Technology Officer
Blockchain pioneer with Federal Government projects. Flip-Flop Project and other innovative solutions developed for the Federal Government.
Why families fail at saving - and how blockchain solves it
Traditional ETF savings plans (e.g. Comdirect):
• Execution fee: €1.50 (1.5%) per month
• Running costs (TER): 0.3-0.6% per year
• Minimum deposit: €25-€50 per month
• Total at €100/month: €21.60/year
Too expensive for children's savings goals (€10/week).
Saving Blockchain: €0.001 per transaction
• No TER, no minimum deposit
• Total at €100/month: €0.012/year
1,800x cheaper than traditional ETF plans
Children can save €1 without paying €1.50 in fees.
Traditional savings apps: Nobody knows where money really is.
Banks only show numbers, no proof.
Trust is based on "belief".
100% Transparent: Everyone sees everything
Blockchain-verified: Mathematical proof
Real-time: Grandma sees her €50 arrived instantly
Money can be "accidentally" spent.
Dad takes €100 from Disneyland fund for gas.
Kids frustrated, goal moves further away.
Immutable: Blockchain-secured
Smart Contracts: Money locked until goal reached
Gentle Pressure: Family sees when someone "cheats"
Traditional apps: New features take months.
Each bank must develop own app.
No innovation because too expensive.
Platform API: Banks launch products in days
Open Infrastructure: Developers build on us
Fast: Features in days not months
We're not just building an app - we're building the infrastructure for family finance in Europe
The Saving Blockchain
StaySaved Family App
Platform Ecosystem
Infrastructure/platform companies are valued at 10-15x revenue vs. 5-8x for consumer apps
Network effects: More apps → More users → More data → Harder to replicate
B2C subscriptions + B2B data + API fees + infrastructure licensing
Optimism (Ethereum L2)
Solidity
React Native
MiCA-compliant multi-sig
A unique convergence of market opportunity, regulatory clarity, and technological maturity
The EU's Markets in Crypto-Assets Regulation (MiCA) came into effect in December 2024, creating the world's first comprehensive crypto regulatory framework.
Germany's household saving rate: 19.2% (June 2025). European families actively seek better savings solutions.
No blockchain-powered family savings platform exists. Traditional apps lack transparency; crypto platforms aren't family-friendly.
StaySaved isn't just for families - it's for anyone who wants to reach goals through intentional sacrifice
Learning to save through small sacrifices
Building independence through smart choices
Saving together for shared dreams
Creating memories through teamwork
Investing in freedom and experiences
Building legacy for next generation
Traditional apps show you where your money goes. StaySaved shows you what to give up to reach your goal faster.
Michael wants €15,000 for a 6-month sabbatical. The Verzicht-Matrix suggests:
Focused, phased approach to capturing a massive European market
100M families in EU • 20% digital finance adoption
DACH + Nordic + Benelux • 25M families
Year 3-5 target • 2,000-12,000 families
Berlin, Munich, Hamburg • 1,000-2,000 families
Focus: Product-market fit, BaFin license, case studies
Austria, Switzerland • 5,000-10,000 families
Focus: Premium features, sustainable revenue
Sweden, Norway, Netherlands • 20,000-30,000 families
Focus: Scale, partnerships, Series A readiness
France, Spain, Italy, Eastern Europe
Focus: Market leadership, profitability
StaySaved-Nutzer profitieren von up to €640-€1,380/year in government incentives in Deutschland - ein massiver Wettbewerbsvorteil
Familien in Deutschland können durch Riester-Rente, Arbeitnehmersparzulage und Wohnungsbauprämie €640-€1,380/year staatliche Zuschüsse erhalten. StaySaved macht diese Förderungen zugänglich, transparent und einfach.
Perceived Value increases from €84/year (subscription) to €724-€1,464/year (with incentives) = 8-17x boost!
Stärkste Förderungen für Familien
Höchste Steuervorteile
Nach 30 Jahren: CHF 60,000 Steuerersparnis!
Familienfreundliche Förderungen
Förderungen werden automatisch beantragt - kein Papierkram
Blockchain zeigt genau, wo Förderungen hinfließen
Förderungen werden als "Achievements" gefeiert
Traditionelle Anbieter fokussieren Einzelpersonen, wir Familien
Not just subscriptions - we're building the world's first family behavioral finance data platform
StaySaved collects anonymized, blockchain-verified behavioral finance data from families across Europe. This data asset is valuable to banks, brands, researchers, and policymakers - creating B2B revenue streams that traditional family apps cannot access.
Family behavioral finance data is the new oil, and StaySaved is the only platform extracting it.
0.5% on crypto-to-fiat withdrawals when families cash out savings goals
Affiliate partnerships with family-friendly brands (toys, travel, education)
Banks, digital banks, insurance companies
Behavioral finance reports, family savings patterns, product design insights
Toy manufacturers, travel companies, retailers
Purchase intent data, timing insights, demographic segmentation
Fintech partners, insurtech companies
Technology licensing, behavioral finance AI engine
Universities, think tanks, government agencies
Research data access, longitudinal studies, policy insights
Based on 20,000-30,000 active family accounts
Blockchain-verified family data no competitor has
Diversified vs. single-stream competitors
More users = richer data = higher B2B value
Data/SaaS valued at 10-15x vs. 5-8x for apps
Banks, neobanks, BNPL providers, and insurers can white-label our verzicht-based savings infrastructure
While StaySaved Family App generates €1.3M/year B2C revenue, licensing the Saving Blockchain to banks, neobanks, and fintechs generates €14M/year B2B revenue by Year 5.
Platform licensing = 10x higher revenue than app-only strategy
Sparkasse, Volksbank, Commerzbank
N26, Revolut, Trade Republic
Klarna, PayPal, Affirm
Allianz, AXA, ERGO
Employee Benefits Platforms
Third-party apps & services
Traditional Banks (€5M) + Neobanks (€2M) + BNPL (€5M) + Insurance (€1M) + Employers (€1M)
Creating a new category: Blockchain-powered family finance
| Feature | Traditional Family Apps (Monarch, YNAB, Crew) |
Crypto Platforms (Coinbase, Nexo) |
Kids' Finance Apps (Greenlight, GoHenry) |
StaySaved |
|---|---|---|---|---|
| Family Sharing | ✅ | ❌ | ✅ | ✅ |
| Blockchain Technology | ❌ | ✅ | ❌ | ✅ |
| Goal-Based Saving | Limited | ❌ | Limited | ✅ |
| Gamification | ❌ | ❌ | Limited | ✅ |
| Transparency | Limited | ✅ | Limited | ✅ |
| Financial Education | Limited | ❌ | ✅ | ✅ |
| European Focus | Limited | Limited | Limited | ✅ |
Monarch Money, YNAB, Crew focus on budgeting and spending management, not savings goals.
Coinbase, Nexo target individual investors with complex interfaces unsuitable for families.
Greenlight, GoHenry focus on allowances and spending, using traditional banking infrastructure.
Konkrete Beispiele zeigen, wie StaySaved das Sparen für verschiedene Zielgruppen transformiert
Ziel: €175 in 6 Monaten
✅ Ergebnis: Ziel in 5,5 Monaten erreicht! Emma lernt Durchhaltevermögen und dass Verzicht sich lohnt.
Ziel: €15,000 in 36 Monaten
✅ Ergebnis: Nach 34 Monaten €15,200 gespart. 6 Monate Jakobsweg. Lebensverändernd!
Ziel: €3,500 in 12 Monaten
✅ Ergebnis: €3,650 in 10 Monaten! Kinder schätzen Reise mehr, weil sie mitgespart haben.
The first consumer application built on the Saving Blockchain - proving our infrastructure works with real families
No signup required • Works on all devices
Join us in building the first blockchain-powered family savings platform for Europe
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