OTLRS

by outliers, for outliers​
Payments Venture Studio

At the intersection of infrastructure, creativity, ​and commercial velocity, we are building the next generation of payment products and powering financial ecosystems across borders.​

Why Change?​

Payments are no longer just financial plumbing — they're becoming a strategic growth lever across every industry.​

Lengthy Build Times​

Traditional approaches can take 12–24 months for regulatory, compliance, and tech build before even reaching market.​

Resource Misallocation​

Companies waste valuable resources trying to reinvent payment infrastructure instead of focusing on their core business activities.​

Web3 Complexity​

Web3 adds even more complexity with on-chain rails, digital wallets, compliance requirements, and fiat bridges.​
👉 The world needs a new model where infrastructure is abstracted, and industries can build payment-powered products fast without losing focus.​

Why Now?​

Regulatory clarity, stablecoins, and embedded rails are converging — the companies who move first will shape industries.​

Explosion of embedded finance​

Every company, from airlines to healthcare, is looking to launch cards, wallets, loyalty, or crypto-linked products.​

Regulatory tailwinds​

Global frameworks for digital assets and e-money are maturing (Singapore, UAE, EU, Japan).​

Consumer expectations​

Users demand borderless, digital-first, seamless payment experiences.​

Investor focus​

Capital is chasing real infrastructure + use-case builders rather than copycat apps.​
👉 The payments landscape is reaching a tipping point, where technology, regulation, and adoption align — and timing will decide the winners.

Why Us?​

Outliers exist to turn timing into advantage — launching payment products before others even know where to start.​

Proven Builders​

Our track record includes building 100+ payment products, demonstrating hands-on product development expertise.​

Deep Domain Expertise​

Our founders bring decades of experience across fintech, insurance, and banking, ensuring unparalleled insight.​

Full Stack Infrastructure​

We have comprehensive wallet and card rails, compliance frameworks, and go-to-market strategies already in place.​

Unique Model​

Our two-sided value proposition supports founders in bringing ideas to life and helps growth stage companies test new products without internal builds.​

Global Pilot Ecosystem​

Access to ecosystem of FSIs and Web3 companies allows us to run live pilots from day one.​

Upside Engine​

We combine sustainable service revenue with high-multiple equity carry in spinouts, creating a powerful engine for growth.​
👉 We combine proven infrastructure with real-world pilots, enabling companies to launch payment products in months instead of years.​

Our Unfair Advantages​

Our pre-built, production-ready payment infrastructure dramatically reduces time-to-market for new ventures.
This infrastructure stack enables companies to focus on their unique value proposition rather than rebuilding technical foundations.

Fintech Platform​

Our composable Fintech stack provides a flexible foundation for building diverse wallet applications, from traditional payment wallets to specialized use cases like stablecoin cards.​

Issuing Partners​

Pre-established relationships with global FSIs to facilitate virtual account and card issuing, enabling rapid card issuance across 100+ countries without lengthy application processes.​

Regulatory Framework​

Pre-built compliance modules and regulatory frameworks that address KYC/AML requirements across multiple jurisdictions, dramatically reducing legal complexity.​

Fintech SWAT team​

Core of the OTLRS venture studio is the team that has built, launched and scaled hundreds of payment products in the past 15 years. We help you build a core product in months not years. ​
Fintech Platform​

Our composable Fintech stack provides a flexible foundation for building diverse wallet applications, from traditional payment wallets to specialized use cases like stablecoin cards.​

Issuing Partners​

Pre-established relationships with global FSIs to facilitate virtual account and card issuing, enabling rapid card issuance across 100+ countries without lengthy application processes.​

Regulatory Framework​

Pre-built compliance modules and regulatory frameworks that address KYC/AML requirements across multiple jurisdictions, dramatically reducing legal complexity.​

Fintech SWAT team​

Core of the OTLRS venture studio is the team that has built, launched and scaled hundreds of payment products in the past 15 years. We help you build a core product in months not years. ​

👉 This infrastructure layer enables us to support a diverse range of payment products, including credit cards, debit cards, prepaid cards, insurance claim cards, stablecoin wallets, FX wallets, B2B payment solutions, DAO treasury systems, and payroll processing platforms—all without starting from scratch.​

Venture Building Process​

Month 0​
Idea Stage​
Define the opportunity and product strategy​
Our support: ​
Co-creation, advisory, Prototyping, user-testing, product market fit support​
Months 1-3​
Build Stage​
Setup the product using OTLRS Fintech Platform
Our support: ​
OTLRS Fintech platform end-to-end setup, including processing, ekyc, card schemes and other necessary services for the specific use-case
Months 3-6​
Growth Stage​
Scale the product, teams, partnerships and revenues​
Our support: ​
GTM, Recruitment, business structuring, fundraising support, product scaling, content support, governance support​
Scale Stage
Handover
Sustainable Business

Use-cases: Web3

Crypto-Backed Cards Bridging Digital & Physical Worlds
Asset Liquidity​

Enables customers to spend crypto holdings at traditional merchants without converting to fiat first, creating seamless spending experiences across digital and physical environments.​

Secure Fund Flow​

Working with best-in-class FSIs/BIN sponsors, Schemes (Visa/MC) and regulators in 30+ markets to make sure the crypto-backed card fund flow remains seamless, secure and compliant. ​

Loyalty &  Rewards​

Helps customer acquisition and retention via our partner’s merchant networks around the world enabling merchant backed offers, cash back, and discounts based on customer needs. ​

Use-cases: Retail

Digital Wallets Transforming Shopping Experiences
Unified Experience​

Digital wallets integrate payment methods, loyalty programs, and personalized offers in one convenient solution, reducing friction at checkout.​

Rich Customer Data​

Transaction data provides retailers with unprecedented insights into shopping patterns, enabling hyper-personalized marketing and product recommendations.​

Increased Engagement​

Gamified rewards, instant notifications, and personalized promotions drive repeat visits and higher average transaction values.​

Use-cases: Insurance

Modernizing Claims & Coverage

The insurance industry is leveraging digital wallets and cards to streamline historically cumbersome processes and create more positive customer touchpoints.

Incident Occurs​
Submit Claim Digitally​
Instant Reimbursement​
Earn Rewards​
Incident Occurs​
Submit Claim Digitally​
Instant Reimbursement​
Earn Rewards​
Key Applications:
  • Instant claim reimbursements via virtual cards​
  • Seamless credit card coverage for upfront medical expenses​
  • Gamification elements rewarding safe driving, home maintenance, and healthy behaviors​
  • Automated premium payments with loyalty incentives​

Use-cases: Travel

Multicurrency Solutions for Global Explorers
Currency Management

Multicurrency wallets allow travelers to hold, exchange, and spend in multiple currencies with transparent FX rates and seamless payment experience.​

Location-Based Offers​

Geolocation features deliver personalized merchant offers, local experiences, and exclusive discounts based on traveler location, enhancing discovery and spending.​

Travel Insurance Integration​

Embedded insurance products provide peace of mind with automated coverage for flights, accommodations, and activities, with instant claim processing to virtual cards.​

Expense Management​

Automated categorization of travel expenses, receipt capture, and integration with expense management systems streamlines business travel reimbursements.​

Commercial Model​

$100K-200K​
Setup Fee (3-6 months)​

Base fee covering embedded team resources, platform access, licensing partners, processing and scheme costs and other third-party partner fees during the development phase.*​

5-20%​
Revenue Share​

Ongoing participation in the financial performance of the solution, including revenue streams such as interchange, foreign exchange, rewards, lending, and savings.

5-15%​
Equity

Minority ownership in the venture to align long-term incentives, reflecting contribution of infrastructure, compliance, and growth resources during and beyond the development phase.​

Each partnership is structured individually, with the mix of fees, revenue share, and equity adjusted ​according to the industry, maturity of the team, and potential of the concept.
*In most cases, this fee is covered from Card scheme incentive deals or partner grants.​

OTLRS Core Team​

1

Veljko (Vel) Vasic, Founder & CEO​

Serial entrepreneur with extensive experience building Creitive Ventures, where he oversaw the development of 200+ digital products across fintech, healthcare, and enterprise SaaS. His hands-on product development approach has helped numerous startups scale from concept to market success.​

Fintech Team​

Our technical backbone consists of 10 engineers, designers and product managers across SEA/EU, bringing expertise in wallet infrastructure, payment systems, and blockchain integration. The team has previously built and scaled multiple financial platforms across global markets.​
2

Steve Monaghan, Co-Founder​

Former CEO of GenLife and senior executive at AIA, Steve brings 25+ years of financial services innovation experience. A serial deeptech investor, he has pioneered numerous fintech solutions across Asia and holds multiple patents in financial technology.​

Legal & Compliance Team​

Our legal, compliance, and recruitment team, ensures all ventures meet regulatory requirements across multiple jurisdictions while sourcing top talent. Our team expertise in fintech regulations provides a significant competitive advantage.​
3

Daniel Kung, Head of Legal & Compliance​

Seasoned legal advisor specializing in tech law, digital finance, Web3, and data privacy. Daniel has held senior counsel roles at Binance, Nomura, Grab, IBM, and Citi, advising on regulatory compliance, corporate governance, and digital asset regulation. ​

Web3 Team​

Our in-house Web3 specialists bring deep expertise in blockchain integration, stablecoins, DeFi, and digital asset infrastructure. The team has worked on initiatives including stablecoin merchant acquiring, on-chain wallets, tokenized loyalty, and card programs.​
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