FlowMail.Studio - Professional Email Templates That Actually Get Read

FlowMail.Studio - Professional Email Templates That Actually Get Read
€50/year • Unlimited Sends • Works with Your Inbox
Transform every email you send into a brand-building opportunity. No migration, no complexity, no spam filters. Just beautiful, professional emails sent from your existing Gmail, Outlook, or Hotmail account.
The Founder Story
I Built FlowMail Because I Was Tired of Being Ignored
Every email I sent disappeared into the void. Plain text, no branding, completely indistinguishable from the hundreds of other messages flooding inboxes daily. I tried Mailchimp and Klaviyo, but they were too complex, prohibitively expensive for 1-to-1 communication, and worse: my emails felt like spam.
Then came the breakthrough moment: What if every email you're already sending could build your brand? Not marketing blasts. Not automated campaigns. Just your everyday emails: job applications, client proposals, networking messages, transformed into professional, memorable communications that command attention.
FlowMail was born from this simple insight: professional email design shouldn't require a marketing degree or a €300/year subscription. It should be as simple as writing an email, just beautiful.
"The best tools solve problems you didn't know could be solved. FlowMail makes every email count."
01
The Problem
Plain emails ignored daily
02
Failed Solutions
Complex tools, spam filters
03
The Insight
Brand-building in every send
The Problem: Lost in the Inbox Void
347B
Daily Emails
Sent globally in 2025
121
Daily Inbox
Average emails received per person
3sec
Decision Time
To open or delete an email
In 2025, the average professional drowned in 121 emails daily, making snap decisions in under 3 seconds. Plain text emails vanished. Marketing tools triggered spam filters. The gap between amateur and professional communication has never been wider.
Job Seekers
Hundreds of applications, all identical plain text. Recruiters spend 6 seconds per CV. A visually distinct, professionally formatted application = standing out in the pile. First impression matters when everyone else looks the same.
Consultants
Spreadsheets are their daily tool, but email tables break or look amateur. A perfectly formatted comparison table in 2 seconds = instant professionalism and trust. The difference between 'just another consultant' and 'the expert.'
Estate Agents
50 unanswered emails kill motivation. By email #20, quality dies with bad copy/paste. Buyers making emotional decisions choose agents who respond first AND professionally.
Why Existing Solutions Fail
The market offers only broken compromises. Mass marketing tools aren't built for authentic 1-to-1 communication, design platforms create technical nightmares, and plain email leaves you invisible. We identified a €2 billion gap in the market.
Mailchimp/Klaviyo
€300+/year
Built for mass campaigns only
Triggers spam filters
Complex migration required
Overkill for 1-to-1 emails
Canva Email
€120/year
Clunky export process
Broken mobile rendering
No direct integration
Design-first, not email-first
Plain Gmail
Free but costly
Zero differentiation
Amateur appearance
No branding opportunity
Lost opportunities daily
The Market Gap: No solution exists for professionals who need beautiful, branded 1-to-1 emails without complexity or spam-like bulk sending. This is our opportunity.
The Solution: Professional Emails in 30 Seconds
FlowMail.Studio transforms your everyday emails into brand-building opportunities without changing how you work. Choose a template, customise it, and send directly from your existing inbox. No migration, no learning curve, no spam filters.
Choose Template
15 seconds - Browse 50+ professionally designed templates
Customise Content
10 seconds - Add your message, logo, and brand colours
Send via Gmail
5 seconds - Send directly from your inbox, no export needed
Templates: connect with community
Job applications, proposals, property listings, newsletters, event invitations
Unlimited Sends
No per-email charges, no subscriber limits, truly unlimited usage
Zero Migration
Works with Gmail today, Outlook/Hotmail/GMX coming soon, no account changes required
Browser-Based
No downloads, instant access, perfect mobile rendering guaranteed
"We don't replace your email. We make it unmissable."
Target Market: 45 Million Professionals Ready to Pay
Our total addressable market encompasses 450 million professionals globally who send emails daily. We're focusing on the 45 million freelancers, consultants, agents, and job seekers worldwide who desperately need professional communication but can't justify enterprise marketing tools. FlowMail.Studio offers borderless utility, working for any email user, anywhere in the world, from day one.
FlowMail.Studio is built for global reach. While markets like France (e.g., with its 2.58M professionals) offer valuable insights into regulatory advantages and market sophistication, our platform is designed to be borderless and immediately available to professionals worldwide. We can leverage learnings from specific regions to inform our global strategy.
Job Seekers (Millions globally)
Pain: CVs lost in plain text, no differentiation. Willingness to pay: High—career advancement worth investment. CAC: €8 via LinkedIn, Reddit, TikTok.
Estate Agents (Hundreds of Thousands globally)
Pain: Property listings buried, losing deals to competitors. Willingness to pay: Very high—directly impacts commissions. CAC: €15 via Facebook groups, agencies.
Advisors & Consultants (Millions globally)
Pain: Amateur proposals undermine £200+/hour rates. Willingness to pay: Highest—credibility is everything. CAC: €12 via LinkedIn thought leadership.
Business Model: Subscription + Transaction Fees
We start simple with flat subscription pricing, then layer modular features that unlock transaction revenue. Each module addresses a specific pain point whilst building towards our vision: becoming Europe's first fully sovereign digital communication and financial platform.
Current Model (Launch): €50/year for unlimited templates and sends. 7-day free trial with 18% conversion target. No hidden fees, no surprises, no per-email charges.
Module Strategy: Rather than forcing migrations, we offer optional paid modules that integrate seamlessly. Users adopt modules when they need them, creating natural upsell paths without sales pressure.
1
Launch - Base Product
€50/year - Unlimited templates, unlimited sends, 7-day trial
2
Month 6 - Payment Module
+€50/year - Embedded payment buttons, invoice generation, payment link creation
3
Month 12 - Crypto Module
+€50/year + 0.5% fee - Bitcoin, Ethereum, stablecoin payments with multi-wallet support
4
Month 15 - Enterprise/Web3
€150/month - Team features, advanced analytics, custom templates, priority support
Year 2-3: Vertical Integration Strategy
Payment Infrastructure (Year 2)
Become licensed Payment Service Provider
Issue virtual IBANs via banking partnerships
Capture transaction economics (vs. paying 1.5-2.9% external fees)
Crypto Regulation (Year 2-3)
Obtain MiCA-compliant crypto payment processing license
Build deep liquidity pool for instant conversions
Own the crypto rails (0.5% fee = our revenue)
Sovereign Digital Infrastructure (Year 3-4)
Native @flowmail.studio email addresses
European data center acquisition (France, Germany, Netherlands)
100% EU-based infrastructure with GDPR/NIS2/DORA compliance
Internalize technical stack (eliminate vendor lock-in)
"Just as Formula One innovations eventually reach every car, FlowMail brings UHNWI-grade digital infrastructure to everyone—with European sovereignty at its core."
Revenue Mix Evolution
Year 1: 100% subscriptions
Year 2: 70% subscriptions, 30% transaction fees
Year 3: 50% subscriptions, 30% transactions, 20% infrastructure services
Year 4+: 40% subscriptions, 30% transactions, 20% infrastructure, 10% enterprise licensing
Competitive Moat by Year 4
Own payment rails (not renting from processors)
Own crypto infrastructure (not outsourcing to exchanges)
Own email servers (not dependent on Big Tech)
Own data centers (not subject to foreign jurisdiction)
Own technical stack (not locked into cloud providers)
Result: FlowMail becomes Europe's first fully sovereign digital communication and financial platform—the alternative to Google Workspace + Stripe + DocuSign, built on European values of privacy, security, and data independence.
Why Now? Four Converging Trends Create Perfect Timing
We're launching at the intersection of four massive market shifts. Each trend independently creates opportunity; together, they create inevitability. This isn't just good timing, it's the perect window where this business can be built.
AI Acceleration
ChatGPT normalised AI tools for 180M+ users. Professionals now expect smart automation in everyday workflows. Template customisation powered by AI feels natural, not gimmicky. The learning curve disappeared overnight.
Crypto Maturity
Bitcoin ETFs approved, €150B stablecoin market, businesses demanding crypto payment options. Our crypto module launches into proven demand, not speculation.
Email Renaissance
Substack valued at €650M, ConvertKit €200M ARR, Superhuman raised €260M. Email isn't dead, it's being rebuilt. Investors understand email infrastructure plays. Social media fatigue drives return to owned channels.
Digital Sovereignty
Digital Markets Act, GDPR enforcement, Cloud Act concerns. EU businesses want European alternatives to US tech. We're GDPR-native, data stays in EU, positioning as the sovereign choice for European professionals.
The Window: These trends converge now in 2026. Five years ago, crypto wasn't mature. Two years from now, markets will be saturated. This is our moment.
Competitive Landscape: We Own the Sweet Spot
We've deliberately positioned FlowMail in the market gap that everyone else missed: professional enough to build brands, simple enough for daily use, affordable enough for individuals.
Why competitors can't follow us:
Mailchimp/Klaviyo: Enterprise focus, can't lower prices without cannibalising existing revenue
Canva: Design platform, not email infrastructure, lacks OAuth integrations
Superhuman: Inbox management play, not template creation, different problem
Plain Gmail: Google won't monetise templates without disrupting Workspace
Our unique advantage: we're the only solution purpose-built for 1-to-1 professional email design with a clear path to payment and crypto integration. We own this category.
Future Positioning: As we launch proprietary email infrastructure and institutional services, we'll move toward the 'Infrastructure' quadrant - owning the full stack from email servers to payment processing, creating a defensible moat that competitors can't replicate.
Go-to-Market Strategy: Sequential Segment Capture
We're launching with a disciplined, sequential approach targeting high-intent segments where pain is acute and CAC is predictable. Each phase funds the next, building momentum towards break-even by Month 12 and profitability by Month 15.
Phase 1: Job Seekers (Months 0-6)
Target: 200 paid users by Month 3, 1,000 by Month 6
Channels: LinkedIn organic (career tips content), Reddit r/jobs + r/resumes, TikTok career coaches partnerships
CAC: €8 | Conversion: 18% trial-to-paid
Phase 2: Estate Agents (Months 3-9)
Target: 300 paid users by Month 9
Channels: Facebook groups (estate professionals), partnerships with letting agencies, cold email to independent agents
CAC: €15 | Conversion: 22% (higher intent)
Phase 3: Consultants (Months 6-12)
Target: 500 paid users by Month 12
Channels: LinkedIn thought leadership, webinars on professional communication, B2B outreach to consulting networks
CAC: €12 | Conversion: 25% (highest LTV)
Average Target CAC: €12 across all channels
We maintain disciplined CAC through organic content, partnerships, and community building. Paid acquisition supplements organic growth rather than replacing it.
Key Metrics: 18% trial-to-paid conversion, 8% monthly churn, €220 LTV creates 18:1 LTV:CAC ratio by Month 6.
Financial Projections: Year 0-4 Overview
We're seeking €1M seed funding to reach €900K ARR by Month 18, then scale to €6M+ ARR by Year 4. Our model shows profitability by Month 15 with aggressive multi-channel marketing, full-time founder commitment, and disciplined execution.
Break-even
Month 12
Profitable
Month 15
Series A Ready
Month 18 (€900K ARR)
Gross Margin
82% (SaaS standard)
LTV:CAC Ratio
15-18:1 by Month 18
Year 0 Milestones: Launch to €300K ARR
First 12 months focused on product-market fit, multi-channel marketing, and aggressive user acquisition across three key segments.
1
Month 3: €15K ARR
300 paid users (job seekers focus)
10+ case studies published
First partnerships (career coaches, bootcamps)
Product: +30 templates, email tracking live
2
Month 6: €75K ARR + Product-Market Fit
1,500 paid users
Real estate agents segment activated
Multi-channel marketing live (LinkedIn, TikTok, Facebook)
Hire: Growth Marketer
Product: Revolut integration beta
3
Month 9: €150K ARR
3,000 paid users
Payment module live (300 early adopters)
€15K/month payment volume processed
Team: 6 people
Product: Mobile PWA launched
4
Month 12: €300K ARR (Break-even)
6,000 base + 1,000 payment users
€75K/month transaction volume
Advisors/consultants segment growing
Team: 6 people
Product: Crypto module beta
Months 13-18: Path to Series A
Final 6 months focused on scaling proven channels, launching crypto module, and achieving profitability before Series A.
1
Month 15: €550K ARR (Profitable)
9,000 base + 1,500 payment + 500 crypto users
€200K/month transaction volume
First 20 enterprise clients
Team: 8 people
Product: Web3 features testing
2
Month 18: €900K ARR (Series A Ready)
12,000 total users across all tiers
€350K/month transaction volume
50 enterprise clients
Team: 10 people
Product: FlowMail Server research phase
Prepare Series A: €3-5M at €12-18M valuation
Revenue Model Breakdown: Base + Modules
Our modular approach creates multiple revenue streams that compound over time. Users start with base subscriptions, then adopt payment and crypto modules as their needs grow.
Revenue Projections (18 months):
Base subscriptions: €450K ARR (9,000 users)
Payment module: €240K ARR (2,000 users)
Crypto module: €150K ARR (600 users)
Transaction fees: €120K ARR
Enterprise: €90K ARR (50 clients)
Total: €900K ARR (~€75K MRR)
Seed Funding: €1,000,000 Use of Funds
Strategic allocation focused on full-time founder commitment, aggressive multi-channel marketing, and product development, with 18-month runway to profitability.
€400,000 (40%) - Founder Salaries
4 founders = €200K (Year 1)
Year 2 sustainability buffer (6 months): €90K
Emergency reserve: €110K
Demonstrates full-time commitment from entire founding team
Eliminates execution risk - team 100% focused on FlowMail
€250,000 (25%) - Product Development
API integrations: Stripe, Revolut, Convera, crypto wallets (€80K)
Payment/Crypto module development (€70K)
Email server infrastructure Phase 1 (€50K)
Advanced template builder & analytics (€30K)
Security: NIS2 compliance, encryption, penetration testing (€20K)
€200,000 (20%) - Marketing & Growth
Paid acquisition: Google Ads, LinkedIn, Meta (€100K)
Content marketing: SEO, tutorials, case studies (€40K)
Influencer partnerships & affiliate program (€30K)
Community management & events (€20K)
PR & brand positioning (€10K)
€100,000 (10%) - Team Expansion
Senior Full-Stack Developer (€70K/year)
Part-time UI/UX Designer (€30K/year)
€50,000 (5%) - Operations & Legal
Legal: corporate structure, investor agreements, compliance (€20K)
Accounting & financial reporting (€10K)
Infrastructure: AWS, Vercel, Supabase scaling (€15K)
Contingency reserve (€5K)
Runway: 18 months to profitability. The 4-founder team going full-time is the competitive advantage—this budget keeps them 100% focused on FlowMail.
Investment Terms & Series A Path
Seed Round Terms:
Investment: €1,000,000
Equity: 12-15%
Valuation: €6.7-8.3M post-money
Structure: SAFE or equity (investor preference)
What Investors Get:
12-15% ownership in high-growth infrastructure play
Clear path to Series A in 18 months at €12-18M valuation
4-person founding team with fintech/banking experience going full-time
Aggressive SaaS growth + long-term infrastructure strategy
Multiple revenue streams (subscriptions + transactions + institutional)
European data sovereignty positioning = regulatory advantage
Potential 10-15x return in 18 months (€1M → €10-15M at Series A)
Series A Readiness (Month 18):
ARR: €900K
Users: 12,000+
Payment module: Live with strong traction
Crypto module: Live with early adopters
Enterprise clients: 50+
Status: Profitable with sustainable unit economics
Infrastructure R&D: Email server development initiated
Series A Target:
Raise: €3-5M
Valuation: €12-18M (13-20x ARR multiple)
Use: Scale to €6M+ ARR, expand team to 25+, launch FlowMail Server, acquire European data center
Exit Scenarios:
Strategic acquisition: Email/SaaS companies (Mailchimp, ConvertKit, Superhuman)
Financial exit: €50M+ valuation at Year 5
IPO path: €100M+ revenue potential
Why We'll Win: The Compounding Moats
Our competitive advantages compound over time, creating an increasingly defensible position that becomes impossible to replicate.
1
Today: Team Execution
4 founders with complementary skills
Proven fintech/banking experience
Parallel development & marketing capability
2
Month 6: Integration Depth
OAuth with Gmail/Outlook/Hotmail/GMX (3-6 months to replicate)
Revolut partnership pipeline
Seamless UX with zero friction
3
Month 12: Template Quality + Payment Ecosystem
150+ professionally designed templates
Payment module live with transaction data
User behavior insights from payment flows
4
Month 18: Proprietary Infrastructure
@flowmail.studio email addresses = infinite switching costs
Own email servers = full stack control
Organic growth engine (every user is a billboard)
5
Month 24: Institutional Relationships
EU institutional contracts (5-10 year cycles)
Government trust & security clearances
Sovereign positioning = regulatory moat
6
Month 36: Regulatory Licenses
Payment Institution license (18-24 month barrier to entry)
GDPR compliance infrastructure
Banking license application in progress
7
Month 48: Network Effects
Template marketplace (users create & sell)
Banking relationships & transaction data
Enterprise white-label partnerships
8
Month 60: Full-Stack Ownership
Email + Payments + Banking = impossible to replicate
Regulated infrastructure = 3-5 year head start
European digital sovereignty leader
Vision: From helping professionals send better emails to becoming Europe's sovereign digital infrastructure for commerce and communication. Email won't be disrupted - it will be verticalized. We're building the vertical stack.
Key Metrics at Month 18 (Series A Ready)
Strong unit economics and sustainable growth position us for Series A at €12-18M valuation.
12,000
Users
Total
€900K
ARR
~€75K MRR
82%
Gross Margin
€12-15
CAC
€220
LTV
Blended with modules
15-18:1
LTV:CAC
15%
Churn
Annual billing
€0
Monthly Burn
Profitable by Month 15
10
Team
Valuation (Series A): €12-18M (13-20x ARR multiple for profitable SaaS)
The Team: 4 Founders, Proven Execution
Our founding team has worked together since 2019, building regulated fintech products for UHNWI clients. We've already launched a neobank (3A Circle), payment factory software, and treasury solutions - giving us proven execution capability for FlowMail's infrastructure vision.
1
Charles Berthillon - CEO & Founder
Background: 21+ years in treasury & financial markets, founded CB&CØ (Family Office/Fintech hybrid) in 2016, serves UHNWI clients across France, Luxembourg, Greece, and Switzerland
Previous builds: 3A Circle neobank, Payment Factory, superyacht treasury solutions
Experience: Asset structuring, debt finance, banking software project management, international directorship, regulatory compliance across multiple jurisdictions
Role: Vision, strategy, fundraising, institutional partnerships
Strength: Deep fintech/banking expertise, proven track record building regulated financial services, institutional relationships across EU jurisdictions
2
Alex Shvets - CTO & Co-Founder
Experience: 17+ years as Full Stack Software Engineer
Previous builds: 3A Circle neobank architecture, Payment Factory backend
Main Skills: Software architecture and development, engineering leadership, consultancy across full product life-cycle
Role: Product development, technical architecture, email server infrastructure
Strength: Scalable systems for regulated environments, full-stack fintech development
3
Stanislav Oaserele - Infrastructure Lead & Co-Founder
Experience: 15+ years in cloud infrastructure and backend systems
Previous builds: 3A Circle infrastructure, Payment Factory scalability
Main Skills: AWS, Java, Kubernetes, Apache Kafka, React.js, engineering leadership
Role: Infrastructure architecture, scalability, DevOps, security
Strength: Enterprise-grade infrastructure for financial services, multi-currency payment systems
4
Nick Shvets - Product & UX Lead & Co-Founder
Experience: 10+ years as Senior Software Engineer
Previous builds: 3A Circle user experience, Payment Factory interfaces
Main Skills: UI/UX design, full-stack feature development, API development & management, cross-browser compatibility
Role: Product design, user experience, frontend development, API integration
Strength: User-centric design for complex financial products, seamless integration experiences
Hiring Plan (Next 24 Months):
Month 3: Senior Backend Developer
Month 6: Performance Marketing Specialist
Month 12: Customer Success Manager
Month 18-24: Infrastructure team (5-10 hires for email servers & institutional services)
Team Advantage: 4 co-founders who've worked together since 2019 building regulated fintech products (neobank, payment factory, treasury solutions). We've already proven we can execute on complex financial infrastructure - FlowMail is our next vertical.
Long-Term Vision: From SaaS Tool to Digital Infrastructure
Our 5-year roadmap transforms FlowMail from a template tool into Europe's sovereign digital infrastructure for professional commerce and communication.
1
PILLAR 1: European Institutional Messaging (Months 24-36)
Opportunity: EU institutions spend €50M+/year on communication infrastructure
Strategy:
Position as sovereign alternative to US providers (Google/Microsoft)
Target: European Commission, Parliament, ECB, national governments, public agencies
Revenue: €500-5,000/user/year for secure, compliant, sovereign infrastructure
Regulatory Advantages:
GDPR-native with EU data residency
NIS2 Directive compliance
No Cloud Act exposure
Full technological sovereignty
Market: 500K+ EU institutional employees = €250-500M TAM
2
PILLAR 2: FlowMail Proprietary Server Infrastructure (Months 18-30)
Strategic Rationale: "Email is the #1 most-used app globally - we must own the full stack"
Technical Roadmap:
Phase 1 (Month 18-24): Launch @flowmail.studio email addresses
Phase 2 (Month 24-30): Custom domain hosting for enterprises (@company.com)
Phase 3 (Month 30-36): Full white-label infrastructure for governments
Competitive Moat: Once users have @flowmail.studio addresses, switching cost = infinite
Market Precedent: ProtonMail (€100M+ ARR), Tutanota (€20M ARR), Fastmail (€50M ARR)
Market: 10M privacy-conscious EU professionals = €500M-1B TAM
3
PILLAR 3: Regulated Neobank (Months 36-60)
Vision: "Email + Payments + Banking = The Professional Operating System"
Regulatory Pathway:
Month 36-42: Apply for EU Payment Institution license (6-12 month process)
Month 42-48: Launch payment accounts with IBAN (embedded in email workflow)
Month 48-60: Full banking license application (requires €5M+ capital, 18-24 months)
Use Case: Receive invoice via FlowMail → Client pays in email → Funds in FlowMail account → Spend with FlowMail card
Revenue Model:
Interchange fees (0.2-0.3%)
FX fees (0.5-1%)
Premium accounts (€10-50/month)
Market Precedent: Revolut (€33B valuation), N26 (€9B), Qonto (€5B)
Market: 45M EU freelancers/SMEs = Multi-billion TAM
Valuation Trajectory: 60-Month Growth Path
Our infrastructure strategy creates multiple valuation inflection points, with each pillar unlocking exponentially higher valuations.
1
Month 18 (Series A)
ARR: €900K
Valuation: €12-18M (13-20x ARR)
Milestone: SaaS product-market fit, payment module live, crypto module launched, profitable
2
Month 30 (Series B)
ARR: €5M
Valuation: €80-120M (16-24x ARR)
Milestone: Proprietary email infrastructure, institutional pilots, @flowmail.studio addresses
3
Month 42 (Series C)
ARR: €15M
Valuation: €250-400M (17-27x ARR)
Milestone: Payment Institution license, IBAN accounts, EU institutional contracts
4
Month 54 (Series D/Pre-IPO)
ARR: €50M
Valuation: €800M-1.2B (16-24x ARR)
Milestone: Banking license application, 100K+ institutional users, full neobank features
5
Month 60+ (IPO/Strategic Exit)
ARR: €100M+
Valuation: €1.5-2.5B+ (15-25x ARR)
Milestone: Full-stack infrastructure provider, regulated neobank, European digital sovereignty leader
Why This Works: Each infrastructure layer compounds defensibility. Email → Payments → Banking creates switching costs that grow exponentially. Market precedents: Revolut (€33B), ProtonMail (€100M+ ARR), Superhuman (€260M raised at €1B+ valuation).
Appendix: Glossary of Terms
Quick reference guide for financial, technical, and business abbreviations used throughout this deck.
FINANCIAL METRICS
ARR (Annual Recurring Revenue)
Total predictable revenue expected over 12 months from subscriptions. Example: 1,000 users × €50/year = €50K ARR
MRR (Monthly Recurring Revenue)
Predictable monthly subscription revenue. ARR ÷ 12 = MRR
CAC (Customer Acquisition Cost)
Average cost to acquire one paying customer through marketing and sales. Example: €10,000 spent ÷ 1,000 new users = €10 CAC
LTV (Lifetime Value)
Total revenue expected from a customer over their entire relationship with the company. Example: €50/year × 4.4 years average retention = €220 LTV
LTV:CAC Ratio
Measures profitability of customer acquisition. Healthy SaaS: 3:1 or higher. FlowMail target: 15-18:1
Churn Rate
Percentage of customers who cancel annually. Lower is better. FlowMail target: 15%/year
Gross Margin
Revenue minus direct costs (hosting, payment processing). SaaS standard: 70-85%. FlowMail: 82%
Burn Rate
Monthly cash spent. Important for runway calculation
Valuation Multiple
Company valuation ÷ ARR. SaaS companies typically valued at 10-25x ARR depending on growth and profitability
TECHNICAL TERMS
PWA (Progressive Web App)
Web application that works like a native mobile app but runs in browser. No app store download needed, works offline, can be installed on home screen
OAuth
Secure authorization protocol allowing FlowMail to access Gmail/Outlook without storing passwords
API (Application Programming Interface)
Allows different software systems to communicate. Example: Revolut API enables payment processing
GDPR (General Data Protection Regulation)
EU privacy law requiring strict data protection. FlowMail is GDPR-native
NIS2 Directive
EU cybersecurity regulation for critical infrastructure and digital services
Web3
Decentralized internet technologies including blockchain, crypto, and NFTs
IBAN (International Bank Account Number)
Standardized bank account identifier required for EU payment accounts
BUSINESS & REGULATORY TERMS
TAM (Total Addressable Market)
Total revenue opportunity if product achieved 100% market share. FlowMail: 450M professionals globally
SaaS (Software as a Service)
Cloud-based software sold via subscription rather than one-time purchase
Payment Institution License
EU regulatory license required to process payments and hold customer funds. 6-12 month application process
Banking License
Full regulatory license to operate as a bank. Requires €5M+ capital, 18-24 month process
SAFE (Simple Agreement for Future Equity)
Investment structure where investors receive equity at next funding round. Common for seed rounds
Series A/B/C/D
Sequential funding rounds as company grows. Seed → Series A → Series B → Series C → IPO/Exit
IPO (Initial Public Offering)
When private company sells shares to public on stock exchange
Cloud Act
US law allowing government access to data stored by US companies, even if stored abroad. Drives EU sovereignty concerns