The referral economy,
made honest.
Investor Brief · Confidential
Matt Punter, Founder
·
09 July 2026, 01:30 pm AEST
Prepared for prospective investors · Do not redistribute
The problem
Australians trade favours worth billions every year.
Almost none of it is captured, credited, or paid.
$18B+
Estimated annual value of informal referrals across AU trades, services, and professional networks
<3%
Captured, tracked, or rewarded — the rest evaporates as goodwill
0
Trusted platforms exist today that make referrals honest, witnessed, and payable
Every plumber, hairdresser, mortgage broker, migration agent and mum's-group organiser is running an unpaid referral engine. The economic value is real. The infrastructure to honour it doesn't exist.
The market
A $2.4T referral-driven economy — starting with Australia.
TAM
$2.4T
Global referral-driven service economy
SAM
$180B
AU + NZ + UK addressable service verticals
SOM
$1.8B
AU beachhead across 7 verticals in 5 years
- 7 launch verticals — home services, health & allied, education, migration, finance, real estate, hospitality
- NZ adjacency — 0.18× population multiplier, same regulatory family, natural next market
- UK entry — Commonwealth-shaped compliance stack, addressable via same commission engine
The solution
Verified handshakes. Witnessed proofs.
Community pool that flows back.
1
Handshake
Two members register a referral. Both consent. Time-stamped, signed.
→
2
Witness
Cryptographic proof written to chain. Anchored to KPMG AU quarterly attestation.
→
3
Payout
Provider pays. Commission engine reconciles. Referrer paid. Foundation share flows.
→
4
Foundation
14% flows back to the community pool. 80% stays local; 20% national tranche.
Not a marketplace. Not a listing site. A trust-and-payment rail for the referral economy — built on witness proofs, not promises.
Traction
Live. Witnessed. Anchored.
Production platform demonstration — not commercial traffic yet. That's what this raise funds.
8
Chain blocks
16
Witness proofs
69
Receipt events
20
Causation receipts
64
Members
6
Payouts processed
3
ABA payout batches
7
KPMG AU anchors
Latest KPMG AU anchor:
—
·
Snapshot 09 July 2026, 01:30 pm AEST
Door 1 · The commission engine
Take a look under the hood.
Not a screenshot. Not a mock. The live production commission engine — running right now, with real handshakes, real witness proofs, real reconciliations.
- See the 1% + 14% = 15% take mechanism reconcile in real time
- Watch a handshake become a witness proof become a payout
- Every transaction anchored to a KPMG AU quarterly attestation
Opens the live platform in a new tab. You can return to this deck at any time.
Door 2 · flip360.os — the operating system
Walk the operating model.
This is flip360.os — the blended-workforce productivity surface where the business is actually run. Step into Matt's chair as CEO. See what he sees, first thing every morning.
- The $50k check-walk — 10 investor seats, tracked live
- Three funnels: Marketing → Sales → Finance, with day-over-day deltas
- Root-cause playbook: 15 SME-grounded diagnostic rules mapped to human owners
- Weekly synthesis + dispatch loop — bottom-up recommendations ratified top-down
Opens the live CEO cockpit in a new tab. Human-authority discipline held: AI drafts, humans decide.
Door 3 · Matt in the media
Take a look at Matt in the media.
Broadcast, podcast, and print appearances. See the founder in the field — the way investors and customers will encounter him.
📺 Videos · Broadcast & podcast
▶
Coming soon
Video · Placeholder
Matt in the media — clip 1
Broadcast · Podcast · Interview
▶
Coming soon
Video · Placeholder
Matt in the media — clip 2
Broadcast · Podcast · Interview
▶
Coming soon
Video · Placeholder
Matt in the media — clip 3
Broadcast · Podcast · Interview
▶
Coming soon
Video · Placeholder
Matt in the media — clip 4
Broadcast · Podcast · Interview
📰 Print · Trade & business media
Outlet 1
Coming soon
Print · Placeholder
Feature article — outlet 1
Print · Digital · Trade
Outlet 2
Coming soon
Print · Placeholder
Feature article — outlet 2
Print · Digital · Trade
Outlet 3
Coming soon
Print · Placeholder
Feature article — outlet 3
Print · Digital · Trade
Outlet 4
Coming soon
Print · Placeholder
Feature article — outlet 4
Print · Digital · Trade
The community-hero flywheel
50% of commissions reinvested into the communities that generate them.
80%
Stays local
Back into the postcode that generated the referral — mums' groups, sports clubs, service networks, trades associations.
20%
National social-purpose tranche
A national Foundation pool with independent SteerCo oversight — funding social-purpose initiatives that lift the whole rail.
Narrative claim on this deck · reinvestment ledger mechanism ships post-raise. The 1% + 14% = 15% take mechanism already runs live; the Foundation flow on Slide 4 shows how 14% of every payout goes to the community pool today.
Media assets being finalised — the real videos and articles will be published to this deck as soon as edits are complete.
Business model
15% total take. Two components. One flywheel.
1%
Operational take
Keeps the lights on: infrastructure, KPMG anchoring, compliance, engineering, support.
+
14%
Foundation flow-through
Flows to the Community Foundation. 80% stays in the postcode where the referral happened; 20% national tranche.
=
15%
Total platform take
One line item on every transaction. Fully witnessed. Fully anchored.
$1,500
Annual membership · providers
Recurring revenue floor. Verified provider status. Access to the referral engine and community pool.
[v1.2 Foundation Model — ratification pending SC#3]
Financials · Unit economics
Provider scale drives Foundation scale.
| Providers | Membership ARR | Transaction volume (indicative) |
Platform take (15%) |
Foundation flow (14%) |
|---|---|---|---|---|
| 100 Year 1 beachhead |
$150k | $3.0M | $450k | $420k |
| 1,000 Year 3 target |
$1.5M | $45M | $6.75M | $6.3M |
| 10,000 Year 5 stretch |
$15M | $600M | $90M | $84M |
- Transaction volume assumes average $30k annual referred spend per provider — conservative vs. Vol 1 vertical benchmarks
- Foundation flow returns to local communities (80%) and national tranche (20%) — creates network effect + regulatory tailwind
- NZ adjacency adds 0.18× multiplier from Year 3; UK entry sequenced Year 4
[v1.2 Foundation Model — indicative unit economics · ratification pending SC#3]
The team · Blended workforce
Builders, not describers.
Matt Punter
Founder · CEO
Serial operator across services, finance and community. Built the referral thesis from lived experience running provider networks. Front-of-house on media, provider onboarding, community activation, and investor relations. Self-funding the current PMO through cutover.
Carla Oliver
CFO · Fractional (external)
CoSai CFO. Financial controls, unit economics, commission-engine reconciliation, KPMG AU anchoring cadence. Board-facing CFO reporting posture. External fractional engagement — flexible cost base through Growth stage.
Corrina McGowan
CMO · Fractional (external)
Your Digital Team. Brand, marketing operations, media strategy, provider acquisition funnels, community-hero narrative. External fractional engagement — Growth-stage senior marketing without the six-figure fixed cost.
Independent SteerCo
Governance
Cross-disciplinary steering committee meets quarterly. Ratifies model changes, oversees Foundation flow, signs off compliance posture.
KPMG Australia
Anchoring partner
Quarterly attestation of chain integrity. Every witness proof anchored to a KPMG AU reference. Independent third-party trust rail.
AI colleagues (flip360.os)
Blended workforce
Named AI agents wired into flip360.os with published role contracts (I am · I need · so I can · what good looks like). AI drafts; humans decide. See Door 2 for the live cockpit.
The raise · Three instruments
Pick the door that suits your mandate.
Convertible note
$500k – $2M
Cap$4M pre-money
Discount20%
Interest6% simple
Term24 months
ConversionSeries Seed or maturity
Fits: angels, family offices, early-conviction capital
Straight debt
$1M – $3M
Rate10–12% p.a.
Term36 months
SecurityFixed & floating charge
InterestQuarterly, in arrears
WarrantsOptional coverage negotiable
Fits: yield-focused capital, credit funds, revenue-based lenders
Straight equity
$2M
RoundSeries Seed
Pre-money$10M – $12M
InstrumentOrdinary shares
Board1 investor observer seat
Pro-rataStandard
Fits: institutional VCs, strategic partners, lead investors
Use of funds
- 50% — provider & community acquisition across 7 launch verticals
- 25% — engineering: commission engine, CRM, Foundation flow automation
- 15% — media, brand, and PR — Corrina McGowan playbook
- 10% — operating runway, governance, KPMG anchoring
To progress a conversation
Raise-close target: 1 August 2026 · aligned to PMO → BAU Hypercare cutover.
[Indicative terms · ratification pending SC#3 · not an offer of securities]