accessibilityaccreditedactiveactivityaimalarmalign-bottomalign-center-horizontalalign-center-verticalalign-leftalign-rightalign-topanchorangelannoyedapplearchivearrow-downarrow-leftarrow-rightarrow-uparticleat-signawardbalanceballoonbandaidbarcodebellbicyclebinocularsblindboatbook-closedbookbookmarkbookmarkedbooksbottlebriefcasebrushbugbullhornbuscabinetcakecalendarcameracarcashcertificatechalkchart-barschart-linechart-piechatcheckmarkchevron-downchevron-leftchevron-rightchevron-upcircle-arrow-downcircle-arrow-leftcircle-arrow-rightcircle-arrow-upcircle-backwardcircle-checkmarkcircle-chevron-downcircle-chevron-leftcircle-chevron-rightcircle-chevron-upcircle-crosscircle-ejectcircle-exclamationcircle-facebookcircle-firstcircle-forwardcircle-googlepluscircle-gustcircle-lastcircle-linkedincircle-minuscircle-nextcircle-pausecircle-play-thincircle-playcircle-pluscircle-previouscircle-questioncircle-stopcircle-twittercircleclipboard-checkclipboardclockcloud-databasecloud-downloadcloud-fogcloud-gearcloud-lightningcloud-lockcloud-raincloud-snowcloud-synccloud-uploadcloudcocktail-glasscodecombinecomment-fillcommentcommentscompassconfusedconnectconstruction-coneconstructioncontactscoolcopycredit-cardcropcrosscrowncubedatabasedeletedesigndesktopdiamonddicedinnerdisconnectdocumentdownloaddrawerdreamdropletdumbbellearthediteggellipsisenter-downenter-leftenter-rightenter-upenterenvelopeevilexcludeexit-downexit-leftexit-rightexit-upexitexpandeye-droppereyefacebookfactoryfeatherfile-audiofile-codefile-imagefile-videofile-zipfilefilm-playfindfirefirst-aidflagflip-horizontalflip-verticalfloppy-diskfolderfootprintframefunnelgamepadgasgeargiftglassglassesgoogleplusgraduationgrin-evilgringroupgungusthamburgerhammerhappy-grinhappyheadsetheart-fillhearthistoryhomeiconsinboxintersectipadiphonekeykeyboardkeyholeknifelablamplaptopleafleave-downleave-leftleave-rightleave-uplibrarylifebuoylighterlightning-boltlinklinkedinlistlocationlocklotusmadmagicmagnetmalletmanmapmedalmeet-downmeet-leftmeet-rightmeet-upmic-mutemicminusmoonmousemovemusic-notemusicmustachemutenavigationneutralnewsoptionsoutletpaint-rollerpaintbrushpairpaper-planepaperclippaperspastepatchpawpenpencilphonephotopicturepinpine-treeplaneplayplaylistplug-cordpluspodiumpowerpresentationprinterprofilepulsepuzzlequestionquote-closequote-openradiorank1rank2rank3receptionrecycleredorefreshregisterreply-allreplyroad-signrocketrulersadscissorsscreensearchshareshieldshipshirtshockedshrinkshufflesignalsitemapskullsmartphonesmilespeed-fastspeed-mediumspeed-slowspell-checksquaresubtractsunsyncsyringetabtablettagtagstargetteacupterminalthumbs-downthumbs-uptickettilestimertoilet-papertonguetoolstrailertraintransmissiontrashtreetrophytrucktvtwitterumbrellaundounlinkunlockuploaduserusersvolume-highvolume-lowvolume-mediumvolumewarningwheelchairwifiwinkwomanwonderingwrenchzoom-inzoom-out

Reserve a spot in Arival

Digital banking for a new generation of small and medium-sized enterprises

  • $20,000Amount Reserved
  • $10,000Minimum
  • $15,000,000Pre-Money valuation

By making a reservation, you are requesting a spot to invest in Arival's upcoming offering. A reservation is non-binding and you may change the amount at any time.


Company Highlights

  • Created by the team behind Life.SREDA, a fintech venture capital firm based in Singapore with 20 investments & multiple exits
  • Digital banking platform with over 650 individuals on the waiting list
  • Applied for a US-based international banking license in 2018; expecting to go live in October 2019 pending license issuance
  • Won the best of show award at Finovate and received media mentions or other awards from London Design Awards, Forbes, Wharton Business School, & others
  • Working with San Francisco-based Mbanq to deliver cloud-based banking technology

Fundraise Highlights

  • Total Round Size: US $3,000,000
  • Raise Description:  Bridge
  • Minimum Investment:  US $10,000 per investor
  • Security Type:  Preferred Equity
  • Pre-Money Valuation:  US $15,000,000
  • Target Minimum Raise Amount:  US $850,000

ARRIVAL of a digital fintech bank for startups, freelancers, and crypto-related SMEs. A RIVAL for traditional banks unwilling to serve a new generation of technology businesses and entrepreneurs.


Arival is building a digital bank for startups, freelancers, & small to medium-sized businesses (SMEs). We believe business banking should be simple, reliable, & 100% online. 

Imagine a bank without geographical borders that delivers innovative banking services to businesses from around the world. We'll offer business accounts, company cards, finance management tools, multi-currency accounts, loans, and more. 

SMEs are disconnected from the traditional banking system. We're on a mission to change that. Banks generate most of their revenue from retail customers, international fees, mortgages, and larger corporate clients. Therefore, they don't give smaller businesses the attention nor product access they deserve. Above all, disruption in the business banking space is long overdue - especially in the US. 

Here is what we value: 

  1. Understanding our customers better than any other bank.
  2. GPS thinking: we believe solutions should be delivered real time based on what the customer needs in the current moment and in the future. 
  3. Bold risk-taking (we wouldn't be here today without it). 

Arival is a venture by the team behind Life.SREDA, a well-known fintech venture capital firm that invested into the pioneers of digital banking (Simple, Moven, Fidor, etc). Our team includes fintech experts, venture capitalists, & an entrepreneur from Forbes' top 30 under 30 list. 

The team applied for a US-based ("IFE") banking license in June of 2018, for which it is currently pending approval. We believe this could make Arival the first digital bank in the US with the IFE international banking license. Arival is also pursuing other licenses in Europe & Asia. 

We think Arival has the product, team, customer pipeline, & timing to pull off a successful launch.  In the next 12 months, we hope to be one of the top names in digital banking for SMEs.

Product & Service

We don’t believe in reinventing the wheel.

Thanks to the emergence of innovative financial technology ("fintech") companies, we know amazing financial tools and banking products already exist. There is no reason to compete with or reinvent these successful & innovative products. So let it be known, Arival plans to partner with established names in fintech to integrate the best products - handpicked for SMEs. Ladies & gentleman, this would allow us to deliver an unparalleled banking experience.

There are many cases of banks either closing accounts of small to medium-sized businesses or really limiting their access to quality banking products (financial management, credit, lending, etc). Businesses shouldn’t have to go on a goose chase to find the right banking partner. Imagine downloading 10+ apps to explore banking options. This equates to 10 different registrations + 10 different accounts. Why is this necessary? This process is beyond chaotic - going from bank to bank only to find yourself juggling different accounts you rarely use. 

What if every financial service your business needed arrived as one bank? Welcome to Arival.

Arival will provide a financial marketplace of solutions connected to leading fintech players to build a tailored product offering for our customers. 

The experience will be like this: 

  1. Tell us about your business
  2. Open your Arival bank account
  3. Access a full suite of fintech products hand-picked for your company

Key advantages: 

  • Unified logins with fintech partners that we will integrate (i.e. potentially Transferwise, Expensify, Stripe, Square, etc) 
  • All product activity will be done inside the ArivalOS interface 
  • Aggregated data + transparent movement of money (everything will be connected to your Arival account) 
  • We plan to bundle some of the world's hottest fintech products tailored for your business - inside one banking platform

This is what the bank of the future should look like:

ArivalOS (digital banking platform)

Banking interface offering account management, transfers, 3rd-party fintech products, and everything in between.

A.ID (compliance smart engine)

A full-stack compliance solution that covers everything from KYC & on-boarding to AML & transaction monitoring. We've designed a fully online compliance tool that effectively de-risks customers and gives them digital identities. Think of it as a virtual compliance manager. 

Ideal Customers:

  • Freelancers 
  • Startups/SMEs 
  • Charity Organizations 
  • Crypto-related companies

Expected Revenue Model:

Banking your business shouldn’t just be fast and fluid, it should also be affordable. We won’t have any branches meaning we can cut down operating costs & focus on sustaining revenue.

We will have 2 primary revenue streams:

Fee-based Income

We will charge fees for services that are not integrated by 3rd parties from our “fintech marketplace.” These services may include: custodian or management fees, user verifications, and domestic transfers. Application fees may be charged for larger SMEs (such as exchanges) to offset due diligence costs, which is a meticulous process mandated by regulators. Arival will also charge a subscription for a premium version of our business account.

Revenue-Sharing

Arival will gain a cut of the revenue from the fees charged by 3rd party fintech partners. Essentially, each fintech product, service, or tool delivered in our marketplace will be structured on a revenue-sharing agreement with the respective 3rd party fintech. These products may include, but are not limited to: corporate expense cards, online factoring, lending, deposit accounts, and accounting services.

Media Mentions

Team Story

It all started with a book.

Our CEO published, "The First Fintech Bank's Arrival" where he described what the bank of the future might look like. Little did we know, we would soon find ourselves at the center of building the “Fintech Bank”.

Arival was founded in 2017 by a dynamic trifecta consisting of two seasoned fintech venture capitalists and one young fintech entrepreneur. Regarded for the team's prior investments in pioneer digital banks such as Simple, Moven, Fidor, & RocketBank - they decided it was time to take the bull by the horns & build their own.

Our backgrounds are diverse, but our passion for bringing innovation to the banking space unites us. You'll surely find bankers & finance gurus on the squad and seasoned software engineers,  as well as 20-something year old entrepreneurs with big dreams & real execution skills. Thanks to an eagerness to build & discover, Arival embraces a strong workplace culture.We're on a mission to bring a new level of banking services to the backbone of our economy: small to medium-sized businesses. Headquartered in Singapore. Operations based in Puerto Rico. The tech team can be found in San Francisco & St. Petersburg. 

Founders and Officers

Jeremy Berger

Co-Founder & COO

Jeremy was recently on the 2019 Forbes top 30 under 30 list making him one of the top young finance professionals in the world. He leads day-to-day operations at Arival. Jeremy is also the Portfolio Director of Life.SREDA venture capital. He has been called one of the youngest digital bankers in the world by FinTech Ranking after co-founding Arival at the age of 23. He regularly speaks on some of the biggest stages in fintech whether it be Oracle's Fintech Symposium, Visa's Everywhere Initiative, Hong Kong Fintech Week, or others. Jeremy notably took home three international awards (Best of Show at Finovate, FintechInn, & London Design Awards).

Jeremy Berger

Co-Founder & COO

Jeremy was recently on the 2019 Forbes top 30 under 30 list making him one of the top young finance professionals in the world. He leads day-to-day operations at Arival. Jeremy is also the Portfolio Director of Life.SREDA venture capital. He has been called one of the youngest digital bankers in the world by FinTech Ranking after co-founding Arival at the age of 23. He regularly speaks on some of the biggest stages in fintech whether it be Oracle's Fintech Symposium, Visa's Everywhere Initiative, Hong Kong Fintech Week, or others. Jeremy notably took home three international awards (Best of Show at Finovate, FintechInn, & London Design Awards).

Vladislav Solodkiy

Founder & CEO

Slava was named one of the 35 most powerful fintech dealmakers in 2016 and 2017 and included in 'The Fintech Finance 40' by Instituational Investor. Financieel Management named him one of the top 21 fintech influencers in Europe, and he was listed in Next Money’s top 100 fintech ecosystem builders in Asia. He is a Managing Partner & Founder of Life.SREDA, one of the first fintech-only venture capital funds in Southeast Asia (portfolio companies include: SumUp, Moven, Simple, & Fidor Bank, among others). He is also the author of "The First Fintech Bank’s Arrival".

Vladislav Solodkiy

Founder & CEO

Slava was named one of the 35 most powerful fintech dealmakers in 2016 and 2017 and included in 'The Fintech Finance 40' by Instituational Investor. Financieel Management named him one of the top 21 fintech influencers in Europe, and he was listed in Next Money’s top 100 fintech ecosystem builders in Asia. He is a Managing Partner & Founder of Life.SREDA, one of the first fintech-only venture capital funds in Southeast Asia (portfolio companies include: SumUp, Moven, Simple, & Fidor Bank, among others). He is also the author of "The First Fintech Bank’s Arrival".

Igor Pesin

Co-Founder & CFO

Igor is one of Lattice80's top-ranked fintech influencers in Southeast Asia. He is a Partner and Investment Director at Life.SREDA VC, an international venture capital fund headquartered in Singapore.  Igor has executed more than 20 fintech deals across the world – in the US, UK, Europe, CIS, and Asia. Some of Igor's investments are well-known benchmarks in the fintech space, such as Simple Bank (sold to BBVA), Moven,  Fidor (sold to BPCE),  SumUp, Rocketbank (sold to Otkrytie) Allset, Lenddo, etc. Among 23 investments, he has executed multiple exits through M&A and secondary deals. Igor is the author of the annual fintech report, "Money of the Future".

Igor Pesin

Co-Founder & CFO

Igor is one of Lattice80's top-ranked fintech influencers in Southeast Asia. He is a Partner and Investment Director at Life.SREDA VC, an international venture capital fund headquartered in Singapore.  Igor has executed more than 20 fintech deals across the world – in the US, UK, Europe, CIS, and Asia. Some of Igor's investments are well-known benchmarks in the fintech space, such as Simple Bank (sold to BBVA), Moven,  Fidor (sold to BPCE),  SumUp, Rocketbank (sold to Otkrytie) Allset, Lenddo, etc. Among 23 investments, he has executed multiple exits through M&A and secondary deals. Igor is the author of the annual fintech report, "Money of the Future".

Investor Perks

First 15 investors automatically receive "Arival" branded apparel regardless of investment size. We'll send you a list of our merchandise and sizes available two weeks after the campaign ends before shipping. 

$25,000 or more: We'll move your business (or a different one of your choice) to the top of our waiting list so they can open an account sooner than anyone else. In the mean time, we'll invite the business to our private beta-test (pending compliance checks) to give them exclusive access to Arival. 

$50,000 or more: Previous perk + 1 year of no annual Arival account fees (this does not include transaction fees).

$100,000 or more: Previous perks + 6 month free-trial of Arival+ (premium version with enhanced banking features or products)

$200,000 or more: Previous perks + invitation to Arival's private team retreat (expenses covered / 3 days in Puerto Rico) +  non-executive advisory role pending background checks & board approval. 

It is advised that you consult a tax professional to fully understand any potential tax implications of receiving investor perks before making an investment.

Frequently Asked Questions

Making an Investment in Arival
How does investing work?

When you complete your investment on SeedInvest, your money will be transferred to an escrow account where an independent escrow agent will watch over your investment until it is accepted by Arival. Once Arival accepts your investment, and certain regulatory procedures are completed, your money will be transferred from the escrow account to Arival in exchange for your securities. At that point, you will be a proud owner in Arival.


What is the difference between preferred equity and a convertible note?

Preferred equity is usually issued to outside investors and carries rights and conditions that are different from that of common stock. For example, preferred equity may include rights that prevent or minimize the effects of dilution or grants special privileges in situations when the company is sold.

A convertible note is a unique form of debt that converts into equity, usually in conjunction with a future financing round. The investor effectively loans money to a startup with the expectation that they will receive equity in the company in the future at a discounted price per share when the company raises its next round of financing.

To learn more about startup investment types check out “How to Choose a Startup Investment” in our academy.


What will I need to complete my investment?

To make an investment, you will need the following information readily available:

  1. Personal information such as your current address and phone number
  2. Employment and employer information
  3. Net worth and income information
  4. Social Security Number or passport
  5. ABA bank routing number and checking account number (typically found on a personal check or bank statement)

Because Arival is offering its securities under Rule 506(c) of Regulation D, your status as an Accredited Investor will also need to be verified and you will be asked to provide documentation supporting your income, net worth, revenue, or net assets or a letter from a qualified advisor such as a Registered Investment Advisor, Registered Broker Dealer, Lawyer, or CPA.


What if I change my mind about investing?

Until a closing occurs, you may cancel your investment at any time, for any reason. You will receive an email when the closing occurs and your securities have been issued. If you have already funded your investment and your funds are in escrow, your funds will be promptly refunded to you upon cancellation. To cancel your investment, please go to your portfolio page by clicking your profile icon in the top right corner.


After My Investment
How can I sell my securities in the future?

Currently there is no market or liquidity for these securities. Right now Arival does not plan to list these securities on a national exchange or another secondary market. At some point Arival may choose to do so, but until then you should plan to hold your investment for a significant period of time before a “liquidation event” occurs. A “liquidation event” is when Arival either lists their securities on an exchange, is acquired, or goes bankrupt.


How do I keep track of this investment?

You can return to SeedInvest at any time to view your portfolio of investments and obtain a summary statement.


Other General Questions
What is this page about?

This is Arival's fundraising profile page, where you can find information that may be helpful for you to make an investment decision in their company. The information on this page includes the company overview, team bios, and the risks and disclosures related to this investment opportunity.


What are the risks of this investment?

This investment is highly speculative and should not be made by anyone who cannot afford to risk the entire investment amount. In addition to these risks, you should carefully consider the specific information and risks disclosed in Arival’s profile.