Separate brands would need to rebuild each other’s marketplaces, payment rails, and data systems — producing smaller versions of the others with higher cost and lower reach.

Replicating Club TXP’s infrastructure alone would take years and millions.

The TXP formation starts fully built, integrated, and ready to scale from day one.

Each brand fuels the others:
– Club TXP brings owners and communities.
– Capital TXP adds verified professionals.
– Card TXP monetizes every payment.

One rollout activates two flywheels — products and communities.

Example Rollout Direct Users Connected Communities Avg Properties per Community Total Properties Reached
1 company via Capital TXP 100 50 150 7,600 properties

7,600 properties × €30,000 average home spending = €228 million in transaction potential from one local rollout.

Even with overlap, the network effect remains exponential — one verified professional can unlock thousands of homes and millions in spend.

Metric Stand-Alone Brand TXP Formation Advantage
Customer Acquisition Cost 100 % ≈ 30 % –70 % cost
User Conversion Rate 1× 3× +200 %
Speed to Market 1 city / yr 3 cities / yr +300 %
Revenue per User 1× 3× +200 %
Tech Cost 3 stacks 1 stack –66 % infra cost

Birds save 30 % of energy; TXP saves 70 % in operational and acquisition cost while scaling three times faster.

Factor Metric Strategic Advantage
Condo & HOA Density 20 000 + Instant account base
Foreign Ownership 40 % + Cross-border KYC proof
Home-Service Spend $60 B + Capital TXP volume
HOA Cash Flow $95 B / yr Card TXP payment activity
Fintech Maturity Top 3 U.S. hub Fast licensing & compliance

South Miami is our first terminal — dense with verified demand and ideal for a controlled launch before national replication.

Layer Function Partner / Compliance
Identity SafeQloud KYC / KYB / KYP eIDAS 2.0 / PSD2
Property Ledger Real-time ownership events TXP Ledger v1
Payment Rail Card TXP API + Escrow PCI DSS / SOC 2
Compliance GDPR / AMLD6 / OFAC External Audit Board
Availability 99.98 % uptime Dual EU–U.S. clusters

Bank-grade systems, audited and ready for traffic.

Metric Value Notes
ARPU €737 / yr Multi-brand model
Gross Margin ≈ 60 % Combined
Year-1 Revenue (Miami) €70–90 M Verified pipeline
Break-Even ≈ 25 K accounts Combined base
3-Year IRR ≈ 60 % Conservative
EBIT Margin Year-1 ≈ 40 % Infrastructure leverage

TXP earns like a financial institution — recurring, diversified, verified.

Scenario Revenue €M Uplift
Club TXP alone 70 —
+ Capital TXP 84 +20 %
+ Card TXP 94 +15 %
Total (Year-1) ≈ 94 M +35 % vs isolated

Each brand lifts the others — a self-reinforcing system of growth.

TXP behaves like a bank, scales like a platform, and compounds like a portfolio.

– Low execution risk — built and audited.
– Instant liquidity — transactions live from day one.
– Geographic scalability — repeatable terminals.
– Regulated foundation — SafeQloud verified.
– Profitable from launch — ≈ 40 % EBIT.

This is not a marketplace. It’s the rail the market runs on.

Every product, partnership, and compliance layer is complete.

The runway is ready — and the formation is in motion.

Closing Scene

(TXP formation lifts from South Miami and replicates across a map.)

Three brands. One runway. One verified economy.