Building Profitable Fintech, Together

XCHEERS Fintech Studio

We are exclusively focused on the fintech frontier, leveraging deep domain expertise to build and scale profitable ventures.

XCHEERS

Investors gain curated access to high-potential opportunities, including our proprietary initiatives and partner startups – all engineered for sustainable returns.

Empowering visionary founders with capital, specialized guidance, and a network to transform fintech ideas into market leaders.

Our Framework:

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High-Growth Markets:

Focused exclusively on capturing the massive fintech opportunity in Central Asia, MENA, LATAM, SEA – regions with surging adoption, underserved needs, and high scalability potential

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Strong 
Fintech Focus:

Deep specialization only in fintech – where our unmatched expertise drives success.

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24 months to Profitability:

Backing only ventures with proven Unit-Economics. Engineering and backing business models to achieve positive cash flow swiftly, reducing investments risk.

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Value Creation Focus (Beyond the Exit):

Prioritizing the creation of strong profitable companies over quick exits.

Two Pathways towards success

(led by XCHEERS team)

(led by other founders)

Strategic Ventures

Startup Acceleration

Investment:

$100K – $5M initial deploy

Investment:

Depending on investment stage

Exit:

8.2x avg. multiple (P/E)

Exit:

7x avg. multiple (P/E)

XCHEERS Fintech Studio

XCHEERS Role:

Full-cycle project ownership from idea

Exit

XCHEERS Role:

Advisory + funding orchestration

Timeline:

Profit in 24 months

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Timeline:

18 mo. to Series C/exit

For: Strategic partners wanting full control

For: Founders needing growth fuel

Fintech Growth Potential: For Founders & Investors

For investors in fintech:

For fintech startups:

While others chase unicorn fantasies, we build cash-generating 'zebras' — profitable from Month 12, scalable without billion-dollar bets.

Profit-Engineered Ventures

Check Size

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02

03

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$ 100K – $ 2M

$ 500K – $ 5M

20 - 70%

10-20%

Ownership

Hands-On Role

We are actively involved into ensuring operational effectiveness and building value

Occasional advisory

No distributions until exit

Rigid 7-10 year fund lifecycle

Profit Lock

Dividend Policy: 30% net profits distributed quarterly when P&L-positive

Exit Horizon

2-5 years (flexible hold for skyrockets)

XCHEERS Model

Passive VC Standard

We specialize in early-stage fintech ignition, then bridge ventures to tier-1 growth capital at scale.

Full scale support

Pre-Seed

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02

03

04

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< €500K

Finance + Execution

€ 500K – € 2M

Finance + Execution

Seed

Series A

€ 2M – € 10M

Execution + Investor relations

Execution + Investor relations

Execution + Investor relations

Series B/C

€ 10M – € 50M

Exit

N/A

Check Size

Pivot Point

IPO/trade sale execution

EBITDA tuning + buyer pipeline

Scaling up to 1mln+ customers

First 1K users + unit economics test

MVP launch

XCHEERS assists with

"We’ve made every mistake so you don’t have to. Now we turn that experience into your ROI."

Partner with us

— Xia Chen, Chief Executive Officer
(ex-MD, Ant Financial).

Former leaders from Citibank, UniCredit, Tencent and Ant Financial with deep fintech roots and interests:

Fintech specialization:

Comprehensive support for founders:

Curated opportunities for investors:

Consumer & SME Lending

Daily Banking – technology based, big data driven, mobile first

Specialized guidance and mentorship throughout the development process

Access to high-potential fintech startups and proprietary initiatives

Due diligence and risk mitigation strategies for informed investment decisions

Brokerage, comparison sites in consumer lending, savings and investments fields

Strategic support for scaling and market entry

Focus on sustainable, long-term returns

WEB3 reinterpretation of traditional financial service business models

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Hong Kong

Dubai

Fintech Studio

Suite 601, 6/F, South Island Place, No. 8 Wong Chuk Hang Road

© All rights reserved, 2025

Al Fardan Centre Sharjah, Majaz 3, 3rd Floor, Office 311

XCHEERS

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