The CostSavings Ecosystem
One system that helps businesses spend smarter, pay easier, and grow faster.

The product
Built, live, and ready to scale
01
Patent-Protected AI Technology
U.S. Patent No. 11,875,374 - proprietary, patent-secured cost auditing engine
02
Integrated Discount Ecosystem
Closed-loop marketplace delivering real employee value
03
Live Mobile App (iOS & Android)
Production-ready app with onboarding, branding, and admin controls
04
Platform Expansion Underway
GPO, payroll, and financial integrations actively being built
The Model
A unified cost savings ecosystem
CostSavings combines five integrated layers into one unified system:
Monetization Layer
Subscriptions, fintech, and vendor economics.
Employee Value Layer
Perks and benefits marketplace for every employee.
Financial Infrastructure
Payroll, banking, and lending embedded at the point of need.
Vendor Optimization (GPO)
Redirects spend to better vendor options through group purchasing.
AI Savings Engine
Finds and prioritizes savings across all spend categories.
Embedded Distribution via ISO Networks
We activate entire merchant bases through trusted payment partners
ISO / Payment Partners
  • 25K–250K+ merchants per partner
  • Existing merchant relationships
  • Embedded in payment workflows
  • Trusted distribution channel
Activation → Value → Ownership
Activate
  • Membership positioned as a built-in benefit
  • Low-friction onboarding
  • Statement-billed entry
Discover & Execute
  • AI identifies savings opportunities
  • GPO unlocks better vendor pricing
  • Payroll and services introduced
Own & Expand
  • Billing transitions in-house
  • Direct customer relationship
  • Revenue expands across platform

Initial partner feedback confirms strong interest in opt-out model
Customer Experience
From activation to ongoing savings in 6 simple steps
1
Activate
Join CostSavings through partner or direct signup
2
Discover
AI identifies overspending and savings opportunities
3
Plan
Access a clear savings roadmap and recommendations
4
Execute
Unlock savings through: GPO pricing + Payroll optimization + AI-driven audits
5
Operate
Run payroll, payments, and financial tools on platform
6
Optimize
Continuous monitoring + new savings surfaced automatically
The AI Engine
Dollar Bill™
Our AI savings engine that powers the entire platform:
  • Analyzes financial and operational spend data
  • Detects savings opportunities automatically
  • Delivers real-time vendor and contract recommendations
  • Surfaces new opportunities continuously over time
And converts insights into revenue:
  • AI tool upsells (tier upgrades)
  • Vendor optimization (GPO referrals)
  • Financial product adoption
Revenue Model: High-ARPU, Multi-Layer Monetization
CostSavings employs a robust revenue model designed to maximize average revenue per user (ARPU) through diverse income streams, ensuring long-term profitability and value creation.
Per-Merchant Monthly Revenue Breakdown
Our revenue is generated from several key areas, creating a resilient and compounding income structure:
$115
Total Potential ARPU
Per merchant per month
$90
Blended Realistic ARPU
Adjusted for adoption rates

Blended ARPU assumes partial adoption of payroll and financial services
Why This Model Is Powerful
Multiple Revenue Streams
Each customer contributes through various services, reducing dependency on a single income source and enhancing financial stability.
Subscription + Transaction + Fintech
Our model combines predictable recurring subscription revenue with high-upside transactional and embedded financial services fees.
Expanding Revenue Over Time
As merchants deepen their engagement with the platform, their adoption of additional services grows, leading to a compounding increase in ARPU.
Each merchant becomes a compounding revenue asset.
Distribution-Driven Scale → $160M+ ARR Potential
Our unique distribution model, built on established ISO networks, provides a rapid and cost-effective path to market, enabling us to project significant revenue growth and a high Average Revenue Per User (ARPU) at scale. This strategy bypasses traditional customer acquisition costs, leading to an accelerated and efficient expansion curve.
Built on a Proven ISO Distribution Model
  • Leveraging 5 ISO partners with existing merchant relationships.
  • Access to an estimated 250,000+ merchants reachable through these established channels.
  • An opt-out enrollment model is projected to drive exceptionally high initial adoption rates.
This potent combination allows us to project a strong retention rate, with an estimated ~60% retained, equating to ~150,000 active merchants within a 24-month timeframe.
Projected Growth & Revenue Trajectory
The following table illustrates the anticipated growth in active merchants and corresponding monthly revenue, showcasing our rapid scaling capability.
Scaling Potential
Based on these projections, our Annual Recurring Revenue (ARR) is expected to reach:
  • Month 12 ARR: $86.4M
  • Month 24 ARR: $162M
This rapid ascent is a direct result of our strategic market entry and monetization model.
Key Accelerators for Rapid Expansion
Embedded in Payment/ISO Rails: Direct integration into existing payment infrastructure ensures seamless access and adoption by merchants.
No Traditional CAC: Leveraging partner networks eliminates the need for expensive customer acquisition campaigns, driving efficiency and profitability.
Opt-out Model: This mechanism is proven to generate 10–20× higher SaaS conversion rates compared to conventional opt-in approaches.
Multi-Layer Monetization: Our diversified revenue streams actively expand ARPU over time as merchants engage with more platform services.
Bottom Line: This is a distribution-powered financial platform — not a traditional SaaS ramp.
Traction & Raise
Built, launched, and scaling
What's Live Today
  • Patent secured
  • Mobile app live
  • AI spend ingestion tool live
  • Integrated discount ecosystem
  • Initial users onboarded
Raising $1M to:
  • Scale ISO distribution
  • Expand AI and product suite
  • Launch financial services
Deal Terms
Instrument: SAFE
Runway: ~18–21 months
Cash Burn: $48K / month
Core Message
CostSavings is a membership platform that helps businesses save money, manage spending, and access financial tools — all in one place.
Save Money
AI identifies cost-saving opportunities and surfaces ways to reduce spend across your business.
Manage Spending
Centralized visibility and vendor optimization through the GPO network.
Access Financial Tools
Payroll, lending, banking, and employee benefits — embedded in one platform.
Contact
Bill Kurtzner
🌐 www.CostSavings.com