> For the complete documentation index, see [llms.txt](https://docs.laso.finance/llms.txt). Markdown versions of documentation pages are available by appending `.md` to page URLs; this page is available as [Markdown](https://docs.laso.finance/laso-finance-metadao/why-laso-is-raising.md).

# Why Laso is Raising

Scale, synergy, and the agentic commerce window.

Laso is already a sustainable business with consistent revenue, but the goal of our current capital raise isn't simply to grow the company. The objective is to deliver a significantly better experience for users by reaching a much larger scale.

By scaling the platform, Laso will fundamentally redesign the unit economics of everyday financial transactions for our users.

### 1. Unlocking the Future Product Experience

Reaching higher transaction volumes allows Laso to transition away from third-party reliance and move toward direct banking relationships. This shift allows us to execute on three core product pillars:

* 0% Card Fees: Eliminating transaction friction entirely to make crypto spending as seamless and affordable as cash.
* Premium Rewards: Introducing competitive incentives that match or exceed top-tier traditional credit cards.
* Direct Bank Integration: Integrating directly with issuing banks to gain full control over the card experience and maximize capital efficiency.

| 💳 **0% Card Fees**                      | 🎁 **Premium Rewards**                       | 🏦 **Direct Bank Integration**                           |
| ---------------------------------------- | -------------------------------------------- | -------------------------------------------------------- |
| Removing friction for everyday spending. | Matching traditional credit card incentives. | Bypassing intermediaries for maximum capital efficiency. |

#### Shifting the Financial Model

At scale, one of the primary sources of funding for these card rewards will come from the interest earned on customer deposits and card balances.

Today, Laso does not receive that interest. Higher transaction volumes and direct banking partnerships are essential to transitioning into this long-term, self-sustaining model.

> #### "The objective is to deliver a significantly better experience for users by reaching a much larger scale."

### 2. Advancing the Crypto-Powered Economy

Beyond immediate product improvements, the raise supports Laso's broader mission. The team believes cryptocurrency can become a meaningful improvement over today's financial system by giving individuals greater control over their money while reducing reliance on centralized financial institutions.

Laso views this as part of a broader shift toward a more open, market-driven financial system where users have greater ownership and control over their assets. By combining crypto with familiar payment experiences, the goal is to make private, crypto-powered spending as effortless as using a traditional credit card.

Ultimately, the raise is about building the infrastructure needed to deliver that experience at scale while advancing Laso's long-term vision for the future of financial services.

> #### "Laso views this as part of a broader shift toward a more open, market-driven financial system where users have greater ownership and control over their assets."

### 3. The Agent Commerce Window

On the agent commerce side, we believe there is a short, critical window where Laso can become the market-take-all winner.

We’ve been anticipating agent commerce for a while. It was clear this would likely emerge around early 2025, but there wasn’t a strong catalyst until the OpenClaw launch. OpenClaw collapsed the expected timeline, creating a sudden and massive paradigm shift in market velocity.

#### ⏱️ The Execution Window

Plaintext

```
 2024 ───► Early 2025 ──────────────────────────► NOW (2026)
           [ The Anticipation ]                   [ The OpenClaw Trigger ]
           • Agent commerce                       • The paradigm shifted
             on the horizon.                        • Market window is open NOW.
                                                  • Winner-take-all execution.
```

Now, there is a tight execution window to build the tools needed to win this category. Scaling quickly gives us the ability to:

* Execute faster than legacy players and emerging competition.
* Capture the market-take-all opportunity before the window closes.

Those are the two primary drivers behind this raise: achieving the infrastructure scale required to redefine user rewards, and capturing the window of opportunity opened by the agent commerce revolution.