Gold Savings
From fractional digital gold savings to future asset-backed credit, Gold Savings is designed to support value protection, customer retention and new monetization opportunities inside the wallet.
Black Or Group · Investor Room · U.S.–LATAM · Pre-Seed
Two brands. One backend.
Black Or Group is a sponsor-led, compliance-first fintech platform built for the U.S.–LATAM corridor, launching first in U.S.–Mexico and designed to expand across selected high-volume Latin American markets.
Digital Gold. Real Value.
Send. Save. Grow.
SHARED BACKEND
One infrastructure. Two experiences.
Wallet + Card
USD/MXN FX
Gold Savings
Family Money Movement
Credit Circle
Gold as Collateral
Why two brands
Two brands let us speak differently, prioritize differently, and design experiences for two different economic segments—while sharing one backend, one ledger, one compliance architecture, and one operational core.
One backend
One ledger
One compliance
architecture
architecture
One operational
core
core
Black Ór
Premium financial services
for upwardly mobile clients.
- Premium positioning
- Multicurrency & global access
- Gold Savings by Black Ór
- Financial control & planning
- Future premium credit experiences
Chance Cash
Built for daily life.
Designed for families.
- Daily use & simple experience
- Family money movement & support
- Gold Savings by Chance Cash
- Credit Circle for trusted access
- Responsible credit built on verified behavior
Revenue sequencing
01
Early cash flow
FX spreads, card interchange, wallet activity, and Gold Savings transactions drive early revenue.
02
Underwriting data
Transaction behavior and cash flows build proprietary data to power credit decisions.
03
Long-term profitability
Credit Circle, gold-collateralized credit, and engagement loops expand margin and lifetime value.
03
Compliance-first. Sponsor-led. Built for regulated execution.
Black Ór Group is designed to control the product experience, internal ledger, reconciliation, risk rules and data layer, while regulated partners execute custody, money movement, card issuing, FX, gold custody and partner-led lending.
UX &
Experience
Experience
Internal
Ledger
Ledger
Risk
Engine
Engine
Reconciliation
& Settlement
& Settlement
Admin
Dashboard
Dashboard
Data
Layer
Layer
Regulated Partners
Custody
(Bank/Trust)
(Bank/Trust)
Money
Movement
Movement
Card
Issuing
Issuing
FX &
Exchange
Exchange
Gold
Custody
Custody
Partner-led
Lending
Lending
Users
Black Ór
Premium financial services
for upwardly mobile clients.
for upwardly mobile clients.
Chance Cash
Built for daily life.
Designed for families.
Designed for families.
Compliance-first
by design
by design
KYC / AML
Integrated
Integrated
Regulatory
Alignment
Alignment
Sponsor-led
Infrastructure
Infrastructure
Built to scale.
Built to last.
Built to last.
04
Product Deep Dives Explore our core differentiators.
These short investor-focused videos explain the products, operating models and monetization layers designed to differentiate the Black Ór ecosystem.
Start with the complete investor presentation, then explore the product deep dives below.
View Investor Deck →Credit Circle
A digital evolution of institutionally validated group lending, combining individual assessment, joint responsibility, group leadership and peer accountability in a transparent and scalable experience.
Revenue & Monetization
A detailed overview of Black Ór’s phased revenue model, including FX, card activity, Gold Savings, Credit Circle, gold-collateralized credit, unit economics and revenue scenarios.
05
Founding Team Execution proof before capital enters.
The pre-seed starts from execution momentum, not from a blank page. Our globally distributed founding team combines cross-border finance, infrastructure, security and product engineering.
Founder-led strategy
Eduardo Chávez
Founder & CEO · Mexico / U.S.
30+ years across commercial banking and currency exchange; built and expanded a 20+ branch FX network.
Technical co-founder
Gurdipe Dosanjh
Co-Founder · CTO Infrastructure & Security · United Kingdom
Leads infrastructure, cloud, cybersecurity, and regulated system design.
Confidential profile
Confidential co-founder
CTO Product & Engineering · India
Contributes to product engineering, AI-assisted development, and Credit Circle execution.
Globally distributed team.
Daily execution rhythm. Founder-led, technical, and compliance-first.
06
Built beyond the concept stage.Clear progress. Controlled next steps.
Black Ór begins the pre-seed from founder-led execution, navigable product experiences and an active technical build—not from static mockups alone.
Company established
Delaware C-Corp, EIN, domains and principal brand assets are secured for the operating build-out.
CompletedNavigable experiences
Working Black Ór and Chance Cash demos make the wallet, FX, card, Gold Savings and Credit Circle thesis tangible.
Available to reviewCore product development
Credit Circle is under internal testing while administration, user management and product workflows continue to be refined.
Internal testingPartner integrations
Banking, card and gold-provider pathways are progressing toward sandbox testing and regulated-partner implementation.
In progress
Current status: the platform is not yet live with customers or handling real funds.
The next milestone is a controlled beta with verified users and regulated partners.
07
A phased product roadmap.Launch value first. Add credit with evidence.
Each phase advances only after partner readiness, security, compliance and unit economics are validated.
1
Initial launch
Wallet + protection
- Multicurrency wallet
- USD/MXN foreign exchange
- Card and controlled spending
- Gold Savings from launch
- Family money movement
Validation gate: activation, recurring use, card activity, FX economics and gold adoption.
2
Approximately month six
Trust + collateral
- Credit Circle
- Gold as Collateral
- Partner-led lending structure
- Community and repayment signals
- Controlled credit limits
Validation gate: partner approval, risk controls, delinquency, servicing and collateral mechanics.
3
Later expansion
Broader financial utility
- Selective credit products
- Bill payments and mobile top-ups
- Value-added partner services
- Additional U.S.–LATAM corridors
- Deeper multi-product adoption
Validation gate: contribution margin, retention, fraud performance and operational scalability.
Regional roadmap: U.S.–Mexico is the initial launch corridor. Expansion across selected U.S.–LATAM markets will follow only after local partner readiness, compliance requirements and successful pilot validation.
08
Built for U.S.–LATAM.U.S.–Mexico is the launch wedge—not the final market.
The U.S.–Mexico corridor provides a focused first market. The same shared backend, compliance architecture and two-brand model are designed to adapt across selected U.S.–LATAM corridors as local partners and regulatory conditions allow.
US$60B+Mexico provides a strong initial launch wedge inside a broader U.S.–LATAM cross-border strategy.
37%Share of U.S. adults unable to cover a US$400 emergency fully with cash or equivalent in 2024.
U.S.–LATAMThe platform is designed for migrants, families, aspirational users and small businesses across multiple Latin American corridors—not only Mexico.
Black Ór
A serious, aspirational experience for cross-border users who want control, protection and stronger financial tools.
- USD/MXN first, with broader multicurrency support by corridor
- Gold Savings and value protection education
- Professionals, families and SMB owners
- Partnerships, referrals and targeted communities
Chance Cash
A simple, approachable experience for families and community-based users entering digital financial services.
- Family money movement across U.S.–LATAM corridors
- Credit Circle as the trust-building product
- Ambassadors, communities and referrals
- Plain-language education and onboarding
Go-to-market motion
Educate→
Capture→
Validate→
Activate
Market framing sources referenced in the investor deck: Federal Reserve SHED, World Bank / Banxico remittance data and FDIC underbanked-household research.
09
Raising US$1.5 million.Capital tied to regulated launch milestones.
The pre-seed funds the path from active product development to a partner-integrated controlled beta in the first U.S.–LATAM corridor, creating the foundation for regional expansion—not vanity growth.
Pre-seed target
$1.5M
USD
18–24 months target runway
Product & integrationsCore product, banking API, card program, gold provider and Credit Circle execution.
Legal & complianceContracts, policies, disclosures, operating structure and regulated-partner readiness.
Security & infrastructureCloud, IAM, monitoring, data protection, anti-fraud controls and audit readiness.
Distribution & pilotInitial channels, verified-user onboarding, UAT, support and measurable pilot data.
Core team & operationsFounder execution, product, engineering, compliance support and lean operations.
Reserve & contingencyPrefunding, reserves, insurance and unexpected partner or launch requirements.
Milestones financed by the round
Core regulated partners contracted
U.S.–Mexico launch corridor operational as the foundation for U.S.–LATAM expansion
Controlled beta with verified users
Retention, CAC and unit economics validated
Phase Two credit products prepared
Final timing and allocation may change based on partner terms, compliance requirements and controlled-pilot scope.
10
Let’s build the next layerof cross-border financial access.
We welcome conversations with venture funds, angel investors, accelerators and strategic financial partners aligned with a compliance-first U.S.–LATAM launch and regional expansion strategy.
Eduardo Chávez
Founder & CEO · Mexico / U.S.
Black Ór Group
Detailed financial model, corporate materials and additional diligence information are available for qualified investor conversations.
Development Update
July 2026 — v1.30 Development Update
We are building the financial infrastructure for cross-border families. During this milestone, the team strengthened the Credit Circle experience, operational controls, security, accessibility and English–Spanish localization.
The planned implementation for this milestone has been delivered.
Final human accessibility testing, authorized external UAT
and evidence closeout remain in progress.
Credit Circle Overview
12
Participants
9
Confirmed
2
Follow-ups
Payment Calendar
Upcoming contribution
Scheduled
Participant confirmation
Pending
Leader follow-up
Open
Credit Circle
Payment due soon
2 days
Contribution amount
$250.00
Payment reminder
Invitation pending
✓
Milestone Status
The planned v1.30 implementation has been delivered. Final validation and evidence collection are now in progress.
3
Development phases delivered
15
Planned workstreams delivered
Final Stage
Human and external validation in progress
What We Completed
Credit Circle Coordination
Group leaders can organize participants, record follow-ups and manage pending actions more easily.
Payment Guidance and Calendars
Participants can view upcoming payments, overdue-payment guidance and dates reported by group members.
Reminders and Announcements
The app can display reminders, group announcements, contact history and follow-up notes.
Escalation Controls
Leaders can flag situations that require review or assistance from the Black Ór operating team.
Participant Updates
Changes now appear correctly without requiring users to manually refresh their browser.
Reliable Leader Notes
Leader notes are securely saved and displayed correctly whenever the leader returns.
English and Spanish Experience
Credit Circle and operator tools are now available in both English and Spanish.
Mobile Experience Improved
The platform was optimized for small screens, with clearer actions and more readable confirmation messages.
Accessibility Improvements
Keyboard navigation, visible focus indicators and focus restoration were improved across key actions.
Desktop and Mobile Testing
Invitations, missing-confirmation alerts and upcoming-payment notices were visually tested across devices.
Secure Notification Records
The platform securely records whether a notification was sent, is pending or was unsuccessful.
Safe External Notifications
External messages cannot be sent unless the system is correctly configured and explicitly authorized.
Two-Person Approval Controls
Sensitive notification actions require review and approval by two authorized team members.
Reliable Delivery Controls
The system can retry unsuccessful notifications, avoid duplicates and stop attempts safely when necessary.
Secure Message Templates
Standardized templates were created for invitations and important leader alerts.
Operator Monitoring Dashboard
The Black Ór team can review notification activity while recipient information remains partially hidden for privacy.
External Delivery Remains Controlled
No external notification delivery is active by default. Separate review and authorization are required.
Operational Documentation
The team completed documentation covering operations, privacy, security, incident response and launch preparation.
Automated Validation
All 15 automated tests for the latest development phase passed successfully.
v1.30 Implementation Delivered
The previous milestone was archived and the planned implementation work for v1.30 was completed.
Validation Completed
- Invitation visual and keyboard testing on desktop and small mobile screens.
- Missing-acknowledgement alert testing in English and Spanish.
- Upcoming-payment alert testing in English and Spanish.
- Mobile layout, focus visibility and keyboard focus-return testing.
- Local notification capture and protected evidence-refresh testing.
Final Validation in Progress
- Complete three remaining Windows Narrator accessibility tests.
- Perform three separately authorized external tests covering inbox delivery, customer authentication/MFA and leader alerts.
- Update the final evidence, complete validation and formally close the v1.30 milestone.