OrcaX

Confidential · investor.orcax.com.au

The operating system for household wealth in Australia.

Affluent families hold wealth across banks, super, property, and brokers — and still can't answer what they're worth today.

OrcaX is the consent-first household OS on CDR rails: one live picture, plain-English briefings, and a vault for when life happens.

Raise

A$500,000

Structure

5 × $100k

Pre-money

A$4.5M*

Slots

4 open · 1 reserved

*Illustrative pre-money for discussion. Not an offer of securities.

Request an open slot
See the askView investor deckConsumer site →

The opportunity

Multi-entity Australian wealth has no premium OS.

Data is already online. What's missing: one calm system under CDR consent, completed with super and property, with who-sees-what when life happens. That gap is the category.

Fragmented wealth

Bank + super + property (± brokers) is the default affluent stack — rarely one trusted number. Directional: multi-institution households are the norm for homeowning professionals.

Wrong category winners

Budget apps own cash. Portfolio tools own equities. Neither owns the household — or the executor moment.

Trust is the gate

Affluent households connect only when consent, revoke, and sharing roles are crystal clear.

The product

Household wealth OS on Open Banking rails.

Not the pipe — the picture. Free manual map; paid unlocks CDR sync, AI briefings, and Family vault.

  1. 01

    Link

    CDR Open Banking — choose accounts, revoke anytime

  2. 02

    Complete

    Add super, property, investments

  3. 03

    See

    One live net worth — own + owe

  4. 04

    Brief

    Plain-English AI on what moved

  5. 05

    Vault

    Partner · Heir · Executor roles

  • CDR path: build on an accredited ADR partner for bank sync; pursue own ADR accreditation in parallel — claim ADR only once granted.
  • Stack: Next.js consumer surface + consent-first UX; vault and household roles are first-class product, not a bolt-on.
  • Moat shape: banks + super + property + multi-member vault under one consent UX — not a budget or portfolio slice.

Net worth · try-it proof

$1,284,620

+2.4% this month

PropertySuperInvestCash

Live on orcax.com.au — no login. Not a live bank account.

Why now

Rails + AI + trust UX finally line up.

Build too early and you scrape. Build too late and a budget app owns the login. Window: premium household OS on consent-first Open Banking — before defaults harden.

CDR rails are live

Consent-based bank sharing is in market — household penetration still early.

AI briefings are shippable

Plain-English “what moved” at consumer price — no adviser theatre required.

Vault is the wedge

Partner / heir / executor access is why they connect — and why they stay.

Category is open

Budget and portfolio tools leave premium household OS unclaimed.

Competitive wedge

They own a slice. We own the household.

Banks + super + property + vault under one consent UX — not “we're not a budget app.”

Competitive wedge
PlayerOwns today
FrolloFree Open Banking + mass budgeting

Gap: Premium household OS · generational vault

PocketSmithPower forecasting · dense tools

Gap: Calm UX · AI briefings · vault roles

SharesightPortfolio performance

Gap: Full household beyond investments

Fiskil (infra)CDR / banking APIs for builders

Gap: OrcaX is the consumer picture on those rails

Moat: nobody today combines CDR bank sync + super + property valuations + multi-member vault roles into a single household OS.

Market

Start where wealth is multi-entity — and willingness to pay is real.

Sell calm clarity to households that already feel the fragmentation. Sizing models and sources in the data room.

Total

AU wealth tech

Multi-account personal wealth via apps and advisers. Full TAM/SAM in diligence — no vanity TAM here.

Beachhead

Affluent AU households

Metro bank + super + property (± investments). Founding A$9.99–$24.99/mo.

Entry

Founding cohort

Invite-only private beta → paid sync + AI + Family vault.

Business model

Land free. Expand when the picture is indispensable.

  • Waitlist free → paid when access opens
  • Banks via CDR; super, property, investments complete the picture
  • Family seats + vault expand ARPU without a budget-app funnel

Free

A$0

Manual household map — prove the picture before linking a bank.

OrcaOne

A$9.99/mo*

CDR bank sync + live net worth + plain-English briefings.

Orca Family

A$24.99/mo*

OrcaOne + up to 5 members + vault roles.

*Illustrative founding AUD. Final launch pricing may change.

Unit economics
MetricValue
ModelSaaS · Free → OrcaOne → Family
Gross margin (target)>70% blended; CDR in COGS; vault + AI near pure software
ARPU pathA$9.99 → A$24.99 via household seats
Monetisation gatePaid unlocks at private-beta access

Traction & path

Proof without theatre. Path without fiction.

Live consumer surface today; disciplined path to paid OS — not a vanity dashboard.

Live metrics (waitlist, try-it usage, ADR pathway status) shared on request and updated here as they land — we don't invent counts on this page.

Market narrative live

orcax.com.au ships category story, try-it net worth, Open Banking promise, founding waitlist.

Interactive proof

Try-it net worth without login — product moment before access.

Honest stage

Pre-revenue private beta. Live counts below when available; full pack in diligence.

CDR pathway

Accreditation in progress. ADR claimed only once granted. Consent UX is the product.

Milestone path (~18 months runway target)

  1. Now

    Site + waitlist + try-it in market

  2. Next

    Private beta · Open Banking sync

  3. Then

    Paid OrcaOne / Family · vault live

  4. Horizon

    Own ADR pathway · deepen OS

The ask

A$500k. Five slots. Same terms. Close cleanly.

Equal slot economics, milestone-tied use of funds, waitlist proof → paid OS. 4 of 5 slots open.

Raising
A$500,000
Structure
5 slots × A$100,000
Valuation
A$4.5M pre-money (illustrative)
Instrument
Priced equity discussion · same terms every slot*

*Final instrument (equity / SAFE / convertible) in the term sheet — equal economics across slots either way.

Qualified investors receive data room access (deck, model, metrics, cap table) under NDA after an initial call. View investor deck

Use of funds → milestones

  • 40%Product / engineering→ Private beta live · OrcaOne / Family billing on CDR rails
  • 25%Compliance / CDR pathway→ ADR partner contracted and/or own accreditation path signed · consent UX
  • 20%Go-to-market→ Founding affluent AU cohort converted waitlist → paid
  • 15%Ops / runway buffer→ ~18 months to private beta → paid OS

Slot status

First reserved · remaining open on equal terms

Request an open slot
  • Slot 1 · A$100,000Reserved
  • Slot 2 · A$100,000Open
  • Slot 3 · A$100,000Open
  • Slot 4 · A$100,000Open
  • Slot 5 · A$100,000Open

Investment calculator

Based on illustrative pre-money valuation of $4,500,000. For discussion only — not an offer of securities.

Your ownership

2.17%

Team

Built in Australia. Diligence under NDA.

Founders spanning product, wealth / consent UX, and GTM for affluent AU households. Named bios, LinkedIn, and background in the data room — not unverified founder marketing on this page.

Qualified investors receive data room access (deck, model, metrics, cap table) under NDA after an initial call.

Product

Household OS · try-it proof · vault roles

Trust

CDR pathway · consent UX · ADR only once granted

GTM

Affluent AU founding cohort · waitlist → paid

Investor contact

General enquiries
hello@orcax.com.au

Next steps

  1. 01Review the consumer narrativeTry-it live at orcax.com.au
  2. 02Request an open slotUse the form below — we follow up by email
  3. 03Call → NDA → data roomDeck, model, metrics, and cap table after an initial call

Quick answers

Common diligence questions, answered briefly.

Stage & revenue?
Pre-revenue private beta. Live site + try-it + waitlist today; detailed metrics in the data room.
Regulation?
Building on CDR via ADR rails. We claim own ADR status only once granted.
Use of funds & runway?
A$500k across product, CDR pathway, GTM, and ops — targeting ~18 months to private beta → paid OS.

Request an open slot

Tell us who you are. We move fast on qualified interest.

Same terms every slot. After an initial call, qualified investors get data room access under NDA.