Sustainable by design.
Aligned with impact.
Haven operates on a B2B2C model. Aid organizations pay for the platform; refugees use it free. Every dollar of revenue means more people served.
Revenue streams
Three interlocking streams create stability across funding cycles.
NGO & UN Platform License
Primary · 60% of rev- Beneficiary & disbursement dashboard
- Bulk disbursement tools & UNHCR case sync
- Impact reporting & audit trails
- Support ticketing system for NGO staff
- AI support agent (multilingual, 8 languages)
Transaction Fee
Scalable · 25% of rev- Only on merchant payments
- Never on aid disbursements
- Shared with partner merchants
- Reduces as volume scales
Data & Impact Analytics
High-margin · 10% of rev- Anonymised spending patterns
- Sold to governments & policy bodies
- UN refugee programme evaluation
- Academic research partnerships
Premium Support Tier
New · 5% of rev- Priority ticket SLA (4hr response)
- Dedicated account manager
- Custom AI agent training per NGO
- White-labeled support portal
Unit economics
Conservative projections based on Middle East pilot (Lebanon + Turkey, Year 1).
The cost of the status quo
Using UNHCR's 1–3% financial-services fee benchmark and WFP's ~10% overhead figure, here is what aid delivery currently costs per refugee family — before Haven.
Average Syrian household size: 6–9 people (UNHCR). Cash food aid: JOD 15/person/month (WFP, Zaatari & Azraq camps, Aug 2023).
Financial-Services Delivery Fee (1–3%)
Per family per month unless noted
| Scenario | Transfer Value | 1% Fee | 3% Fee |
|---|---|---|---|
| Host community/month | JOD 116 | JOD 1.16 | JOD 3.48 |
| Camp/quarter | JOD 45 | JOD 0.45 | JOD 1.35 |
| Cash food (family of 6)/month | JOD 90 | JOD 0.90 | JOD 2.70 |
| Cash food (family of 9)/month | JOD 135 | JOD 1.35 | JOD 4.05 |
Full Programme Overhead (~10%)
WFP benchmark: up to 90¢ per dollar reaches the beneficiary
| Family size | Transfer/month | ~10% Overhead |
|---|---|---|
| Family of 6 | JOD 90 | JOD 9.00 |
| Family of 9 | JOD 135 | JOD 13.50 |
Haven's advantage
At $4.60 per refugee (amortised over 3 years, including AI support agent and ticketing infrastructure), Haven replaces multi-layer intermediaries with a single digital platform — reducing delivery friction and making every JOD go further.
Sources: UNHCR 1–3% financial-services fee benchmark; WFP cash-based transfers policy briefing (2023); WFP Syria cash allowance data (Aug 2023). The ~10% overhead is a general WFP benchmark, not a Jordan-specific audited rate.
5-Year Revenue Projection (Middle East)
| Year | NGO Partners | Active Users | ARR | Gross Profit |
|---|---|---|---|---|
| 2026 | 8 | 24,000 | $420K | $180K |
| 2027 | 22 | 115,000 | $1.8M | $870K |
| 2028 | 45 | 380,000 | $5.2M | $3.1M |
| 2029 | 80 | 900,000 | $12.4M | $8.2M |
| 2030 | 130 | 2.1M | $28M | $20M |
* Projections based on conservative market penetration (2–5% of addressable refugee population per year)
2030 Profit Scenarios — What If Higher Penetration?
Global displaced population: 176M · Unbanked refugees (70%): ~123M
Our base case assumes 1.7% penetration by 2030. Below is transparent upside if adoption accelerates:
| Penetration Scenario | 2030 Active Users | Annual Revenue (ARR) | Gross Profit (78%) | Valuation (3–5x ARR) |
|---|---|---|---|---|
| 1.7% (Base Case) | 2.1M | $28M | $20M | $84–140M |
| 3% (Conservative +) | 3.7M | $51M | $40M | $153–255M |
| 5% (Realistic) | 6.2M | $73M | $57M | $219–365M |
| 10% (Optimistic) | 12.3M | $145M | $113M | $435–725M |
| 15% (Best Case) | 18.5M | $218M | $170M | $654–1.1B |
Transparency note: We're being conservative with 1.7% penetration by 2030 because:
- • NGO adoption takes time (regulatory, training, integration)
- • Not all unbanked refugees will have smartphone access initially
- • Regional variations (higher in Turkey/Lebanon, lower elsewhere)
Alternative: Per-Refugee Monthly Fee ($0.10/user)
What if we added a small per-registered-refugee monthly fee (e.g., $0.10/month, opt-in or bundled with services)? Here's the profit impact:
This is additive to platform licensing & transaction fees. Even modest per-user monetization significantly improves unit economics without cannibalizing NGO partnerships.
Use of Seed Funding ($2.5M Ask)
18-month runway to pilot, iterate, and close first 8 NGO contracts.
Investor Returns & Exit Strategy
How seed investors capture value and achieve strong returns.
