This document discusses offering alternative investments through self-directed IRAs using new technology. Currently, IRAs only offer limited traditional options and have hidden fees. The solution proposed is to use technology to enable access to alternative investments like real estate, P2P lending, and cryptocurrencies through IRAs without fees. This would provide investors higher yields during low interest rate periods. The company IRAengine would create a platform using APIs to allow investment marketplaces to tap IRA funds, providing investors more choice and those marketplaces new clients and investment increases.

1. E trade for alternative investment
with Betterment’s UX
IRAengine·com

2. Problem
Offer limited options (stock, bonds, mutual funds)
Mainly match the market’s performance
Have business models based on hidden fees and commissions
IRAengine·com
Modern IRA providers
We live in a low interest rate period. To get higher yields investors
can’t rely on the stock market and bonds
But retirement alternative investment is not easy

3. Solution
• Access to alternative investments from your IRA
• No hidden fees or commissions
• Betterment`s UX
Crowd real-estate
P2P lending
a)
b)
c)
d)
Crowd Equity
Bitcoin, Etherum
E Trade for alternative investments
with Betterment`s UX
IRAengine·com

4. Solution
Secret sauce
The SDIRA - self-directed IRA account is a non-supervised
government approved IRA account, and while rarely used today, if properly
technology enabled it can introduce a different kind of liquidity to retirement
investors- that of choice.
IRAengine·com

5. Invest your IRA money
Wefunder.com
Benefits for
retail investors:
Diversified portfolio
Frictionless and
smooth process
Benefits for investing
marketplaces:
New clients
Substantial increase in
avarege investment
Back-end service (Web API) for investing marketplaces
which makes it easy to tap and deal with IRA funds
*Wefunder.com is not using our APIs. This example is used just to visualize the concept
Invest your
IRA money
How does it work IRAengine·com
Loop 1. B2B

6. How does it work IRAengine·com
Loop 2. B2C
https://www.iraengine.com/
IRAengine.com
BUY BITCOIN AND ETHEREUM WITH YOUR IRA OR 401K
We provide a full-service solution to rolling over your retirement into
Bitcoin or Ethereum

7. B2B
Loop 3
IRAengine
How does it work IRAengine·com
Web API for platforms
(recommendation engine)
B2C
Bictoin/Etherum for IRA
Broker Dealer

8. B2B B2C Broker Dealer
• 1% from assets deployed
by our IRA investors
(paid by investment
marketplaces)
• Free for IRA investors• $10 k installation fee
(paid by investment
marketplaces)
• $ 50 annually
per account
Business Model
Business Model IRAengine·com

9. Market
Indicator
Number of people that use their pension accounts to invest
in alternatives (SDIRA)
Funds in US pension accounts
Total number of IRA accounts
Amount of money invested through existing investing
marketplaces
Pension money invested through investing marketplaces
(Lending Club, Fundersclub.com)
2017 2022
$ 14 trillion $ 17 trillion
500 k 5 mln
50 mln 52 mln
$ 4 b $ 40 b
$ 500 mln $ 20 b
IRAengine·com

10. Competitors
Competitiors
IRAengine
Fidelity, Vanguard
Betterment, Wealthfront
Charles Schwab
Lending Club etc
High net worth Fin
Advisors
Ability to invest
in alternatives
Breadth of
traditional
choice
Importance of
individual
investor’s decision
5
4
5
5
4
1
—
+
—
+
—
—
5
1
3
2
1
1
IRAengine·com

11. Marketing
Retail
Investors
Investing
Marketplaces
Direct Sales
(go to their offices and
sell)
Domain conferences
(Lendit, Crowd Invest
Summit etc)
Marketing
01
02
Google Ads
SMM
(facebook, quora, linkedin)
Industry opinion leaders
(on retail investment)
Investment Academy
(blog, video)
03
04
05
06
IRAengine·com

12. Team
Max Lysak
CEO
Entrepreneur, 5 years in
business
(Founder at Startup
Depot - coworking
space & incubator for
tech startups in
Ukraine, co-founder at
major tech event in
Eastern Europe Lviv IT
Arena)
Oles Hodych
CTO
Software Architect, 15
years of experience in
software development,
specialty fast/robust
enterprise software,
Ph.D. Mathematics and
Computer Science
James Jones
Advisor
Founder of the
IRAeXchange, Sole
pioneer of
Self-Directed IRA’s in
the P2P Marketplace
Lending as well as the
Equity and Real Estate
crowdfunding
industries
Mark Kapij
Mentor
Entrepreneur, Mentor,
Angel investor
MIT Sloan Fellow, 15
years in software
development
consulting
IRAengine·com

13. Road Map
Spring
2017
Summer
2017
Autumn
2017 2022
03
02
05
04
Validation, Fundraising
MVP, 1st investing
marketplace on-board
3 investing marketplaces on board,
1000 users investing pension
money
500 Bitcoin IRA users
Breakeven point
100 investment marketplaces are
using our APIs, 4 mln users, $ 20 bl
pension money invested
01 √
√
√
√
√
IRAengine·com

14. IRAengine·com
Let’s make better investment vehicles
for pension accounts available !
max@iraengine.com