Run the Wave-1 and Wave-2 numbers for your own base.
A reasonable indicative model — not a sales projection. Defaults reflect what we see in production telco × bank deployments. Adjust the inputs on the left; the outputs on the right re-compute live. Everything runs in your browser. No values leave the page.
- Pool ARPU benchmarks: wallet €8/yr · card €24/yr · cross-border €18/yr · investments €60/yr.
- Wave-1 captures ~10% of the fintech-user TAM (wallet pool only) in the first 90 days.
- Wave-2 captures ~55% at half intensity over months 4–12.
- A user can be in multiple pools. Pool revenues are additive.
- Currency rounded; 1 working day ≈ 24h. No FX, no tax, no churn applied here.
What this calculator is — and is not.
It is an indicative model for a partner-led Wave-1/Wave-2 telco × bank deployment in an EU-equivalent regulatory environment, with ARPU benchmarks taken from production Coreal-powered programs and from public BaaS data.
It is not a sales projection, a financial forecast, or a fairness opinion. Real outcomes depend on regulatory posture, sponsor-bank terms, telco data-sharing scope, FX, churn and operational discipline. Treat the numbers as order of magnitude, not a target.
Bring this page to a 4-hour working session — we will walk through the assumptions and tighten them against your specific market, sponsor and product mix.
Does my data leave the page?
No. The calculator runs entirely in your browser. Subscriber, attach-rate and ARPU inputs are never sent to Coreal or any server — nothing is logged or transmitted.
What does the calculator estimate?
Indicative Wave-1, Wave-2 and Year-3 revenue for a partner-led telco × bank embedded-finance deployment, derived from your subscriber base, attach rate and ARPU mix. Benchmarks are taken from production Coreal-powered programmes and public BaaS data.
Is this a financial forecast?
No. It is an order-of-magnitude model, not a sales projection, financial forecast or fairness opinion. Real outcomes depend on regulatory posture, sponsor-bank terms, data-sharing scope, FX, churn and operational discipline.
What inputs do I need?
Three: your mobile subscriber base, an expected attach rate for the financial product, and an ARPU mix. Sensible defaults are pre-filled so you can see a result immediately and then adjust.