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ikigai aims to be the 1st fintech in the UK to combine banking & wealth management in one app, helping young affluents grow their money. Launched in Jan 2021, they've already seen 20% week-on-week growth in new customers; now is your time to join them in redefining the way 2.4m young affluents bank & invest.

  • £2m in pre-seed investment
  • Sign-ups growing 20% week-on-week
  • Collaboration with Blackrock, who provide asset allocation insights
  • A team built from ex-McKinsey, WealthSimple, QuidCycle & King
Information £1.1m of funds on the progress bar represent funds raised by the Company prior to launching the campaign. The Company has already received these funds, shares have been issued and the Company has indicated the up to £100k may be spent whilst the campaign is live. Completion of the Crowdcube raise will occur on the same material terms and share price

Idea

ikigai reimagines the way young affluents spend, save & invest, approaching personal finance from a personal place - an approach to money that we believe escapes incumbents & challengers alike.

Young affluents are entering their prime earning & spending years, but 56% of high-net-worth millennials are dissatisfied with the wealth management tools on offer. They have expectations that aren't being met.

That's why we're on a mission to help this under-serviced but increasingly powerful audience - building a financial platform for the future of wealth.

ikigai combines banking & wealth management in one app, enabling holistic money management. We charge a flat fee that's fair & simple, getting rid of outdated % fees.

We already have strong traction:

- We've raised £2m to date, launched on iOS & have seen demand grow as we acquire new users at pace (20% user growth week-on-week since inception in Jan 2021. 1,253 users as of April 2021)

- We've featured in TechCrunch, UKTN, AltFi & Glamour noted us as one to watch for better money management

- We've partnered with best-in-class providers like WealthKernel & Railsbank. Our portfolios are managed using asset allocation guidance from BlackRock

We're now raising to supercharge our growth - accelerating our tech team & product roadmap.

Join us on our mission to redefine the future of wealth.

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Risk warning

Investing in start-ups and early stage businesses involves risks, including illiquidity, lack of dividends, loss of investment and dilution, and it should be done only as part of a diversified portfolio. Crowdcube is targeted exclusively at investors who are sufficiently sophisticated to understand these risks and make their own investment decisions. You will only be able to invest via Crowdcube once you are registered as sufficiently sophisticated. Please click here to read the full Risk Warning.

Crowdcube is authorised and regulated by the Financial Conduct Authority (FCA) and the Comisión Nacional del Mercado de Valores (CNMV). This page has been approved by Crowdcube. Pitches for investment are not offers to the public and investments can only be made by members of crowdcube.com on the basis of information provided in the pitches by the companies concerned. Further restrictions and Crowdcube's limitation of liability are set out in the Investor Terms and Conditions.

Investment opportunities are not offers to the public and investors must be eligible Crowdcube members. Further restrictions and Crowdcube's limitation of liability are set out in the Investor Terms and Conditions. Please seek independent advice as required as Crowdcube does not give investment or tax advice.

ikigai has been given advance assurance by HMRC that the proposed share issue is likely to qualify for Enterprise Investment Scheme (EIS) tax relief.

Tax relief is available to individuals only, with income tax relief currently set at 30 per cent of the cost of the shares for the tax year in which the investment was made. The tax reliefs can also reduce your Capital Gains Tax bill. Read More.

Availability of tax relief depends on your individual and the company’s ongoing circumstances and applicable law.