MAU is a vanity metric.
D90 is the truth.

Ours is 61%. Here is what it means.

Cohort 12 tracks above Cohort 1 at every interval.

Industry median D90

22%

Stackr D90

61%

Source: AppsFlyer 2024 Fintech Benchmarks

Why retention sticks

43

Savings streak gamification

Average streak in days

AI round-up rules

Personalized per spending pattern

48%

Peer milestone sharing

Of new installs from social

67%

Weekly net-worth nudge

Opened by active users

K = 0.74

Every 100 paid installs generate 74 organic installs.
Our effective blended CAC is $8.40.

Premium at 18% penetration. Growing 4 points per quarter.

Unit Economics

Blended CAC	$8.40
D90 retained CAC	$13.77
LTV (36-month, 9% discount)	$68.40
LTV : CAC	5.0x
Payback period	8.7 mo

The Prize

US adults with <$1,000 emergency savings

63M

Growth Levers

Current

Organic + referral

68K MAU

Series A

Paid UA + TikTok creators

400K MAU

Series B

Bank partnership distribution

2M MAU

Team

Imani Oduya

CEO & Co-founder

Ex-Chime product lead. Built savings feature to 3M users and 42% adoption rate.

Ryo Matsuda

CTO & Co-founder

Ex-Cash App growth engineer. Built A/B testing infrastructure serving 40M users.

Lena Park

VP Growth

Ex-Duolingo. Scaled DAU from 10M to 40M in 3 years through retention-first growth.

Omar Khalil

Head of Data

Ex-Robinhood. Built gamification engine that increased daily engagement by 3.2x.

Use of Proceeds

User Acquisition

$11M (55%)

Creator Program

$4M (20%)

Engineering