IRaaP
Identity Request Authorisation Authentication Payment
Revolutionary Subscription Management Platform
The Problem We Solve
Current Pain Points
- Consumers waste $273 annually on forgotten subscriptions
- Credit card fees add 2-4% to international subscriptions
- No centralized subscription management across services
- Forced annual payments or unwanted monthly charges
- Credit card fraud and data breaches expose users
- Currency conversion fees drain customer value
- Family subscription management is fragmented
- Businesses lose customers due to payment friction
IRaaP Solution
- Usage-based billing eliminates waste
- Local currency payments avoid FX fees
- Unified dashboard for all subscriptions
- Pay-as-you-use monthly model
- Device-to-device security eliminates card fraud
- Real-time payment authorization and control
- Family administrator manages all members
- Improved customer retention for businesses
Core Value Propositions
Smart Cost Control
Usage-based billing means customers only pay for what they actually use, eliminating subscription waste and providing transparent cost control.
Local Currency
Automatic local currency conversion eliminates expensive foreign exchange fees, saving customers 2-4% on international subscriptions.
Real-Time Control
Every payment requires device authorization, giving users complete control over their subscriptions with instant approve/deny capabilities.
Family Management
One family administrator can approve and manage subscriptions for all family members across multiple devices and services.
Enhanced Security
Private network transactions eliminate credit card exposure, reducing fraud risk and protecting sensitive financial data.
Unified Dashboard
Track all subscriptions across multiple currencies and services in one centralized, easy-to-use interface.
How IRaaP Works
1
Setup IRaaP ID
Download the app, create your secure IRaaP identity, and link your preferred bank account
2
Replace Credit Cards
Use your IRaaP ID instead of credit card details when subscribing to online services
3
Receive Notifications
Get instant push notifications for payment authorization on your registered devices
4
Approve Payments
Review usage, approve payment, and funds are charged to your bank account in local currency
5
Track & Control
Monitor all subscriptions, usage patterns, and spending across all services in one dashboard
Market Opportunity
The subscription economy has grown 435% over the past decade, reaching $79 billion annually. With consumers wasting billions on unused subscriptions and losing additional billions to currency conversion fees, IRaaP addresses a massive market inefficiency.
Business Model & Revenue Streams
0.5%
Transaction Fee
Small fee on each approved transaction, significantly lower than credit card processing fees
$2.99
Premium Features
Advanced analytics, family management tools, and priority customer support
$0.10
FX Spread
Small margin on currency conversion, still saving customers 80% vs credit cards
$1.00
Business API
Integration fees for businesses wanting IRaaP payment capabilities
Competitive Advantages
IRaaP combines payment authorization, subscription management, and currency optimization in a single platform. Unlike existing solutions that address only one aspect of the problem, IRaaP provides a comprehensive ecosystem that benefits both consumers and businesses while maintaining bank-level security through device-to-device authentication.
First-Mover Advantage
First platform combining subscription management with real-time payment authorization and multi-currency support
Direct Banking
Bypasses credit card networks entirely, reducing costs and eliminating traditional payment vulnerabilities
Network Effects
More users attract more businesses, creating a self-reinforcing ecosystem of value
Join the Payment Revolution
IRaaP represents a fundamental shift in how digital payments and subscriptions work. We're seeking strategic investors and early business partners to build the future of subscription commerce.