Tokenization Platform Development Scaleup - Sansbank

Client Background

Sansbank is an early-stage, asset-class-agnostic alternative lending platform designed to provide non-dilutive cash advances to asset owners and operating businesses based on projected cash-flow profitability. The platform enables individual investors to participate in funding these advances through low-denomination, tokenized instruments—bringing transparency, speed, and broader access to private cash-flow–generating assets.

Sansbank originated from Tracer Consulting, where its founder gained deep exposure to operating businesses, asset-backed cash flows, and the persistent mismatch between profitability and access to flexible capital. Across industries, many asset owners generate predictable operating income yet remain constrained by slow, collateral-heavy, or equity-dilutive financing options. Sansbank was conceived to address this structural inefficiency.

Objective

To design and launch a tokenized alternative lending platform that advances capital to asset owners and operating businesses based on future cash-flow performance, while allowing everyday investors to participate in funding these advances through transparent, scalable digital instruments.

Challenges Faced

• Overcrowded and speculative blockchain landscape obscuring real economic use cases
  
• Need to decouple lending eligibility from asset type and collateral form
  
• Aligning cash-flow–based underwriting with tokenized financial infrastructure
  
• Establishing institutional-grade credibility, governance, and compliance from day one
  
• Designing a capital strategy suitable for an early-stage, pre-MVP platform
  

Our Approach

Phase 1: Market Discovery & Venture Thesis Formation

Avion conducted a deep review of blockchain-enabled finance, alternative lending, and cash-advance markets across multiple asset categories. This process led to a clear thesis: the true underwriting signal is not asset class, but cash-flow predictability and profitability.

Key outcomes included:

• Defining Sansbank as asset-agnostic by design
  
• Establishing underwriting logic centered on projected operating cash flows
  
• Positioning tokenization as an infrastructure layer for transparency, speed, and fractional participation
  
• Crafting a differentiated value proposition for both asset owners and investors
  

Phase 2: Institutional-Grade Business Architecture

With the core thesis validated, Avion led the development of a full venture and operating blueprint, including:

• Market sizing and segmentation across asset owners and operating businesses
  
• Customer personas based on cash-flow profiles rather than asset type
  
• Valuation frameworks appropriate for tokenized financial platforms
  
• Risk, compliance, and mitigation analysis for cash-flow–based lending
  
• Go-to-market strategy spanning product design, pricing, and distribution
  
• Operational roadmap covering IP, systems, milestones, and execution phases
  
• Governance, ownership, and board structure
  
• Five-year financial model detailing revenue assumptions, cost structure, and funding needs
  
• Scale and exit pathways
• This phase culminated in formal company formation and readiness for capital engagement.

Phase 3: Platform Design & Strategic Partner Alignment

Avion translated the business architecture into execution by:

• Designing mobile and web SaaS prototypes for a cash-flow–driven, tokenized lending platform
  
• Developing clear product narratives and investor-facing collateral
  
• Acquiring and aligning strategic partners necessary to support tokenization, compliance, and operational execution
• The focus remained on building an institutional foundation while preserving flexibility across asset categories.

Phase 4: Capital Strategy & Early Fundraising

Avion structured a staged capital plan aligned with early-stage risk and value creation. While long-term projections required approximately $7M to reach cash-flow positivity, the initial strategy focused on raising ~$1.5M to fund MVP development via a convertible structure.

By syndicating capital across aligned early investors rather than institutional funds, Sansbank preserved valuation upside and positioned itself for a stronger Series A following platform validation.

Results

• Defined Sansbank as an asset-class-agnostic, cash-flow–based alternative lending platform
  
• Developed an institutional-grade business plan and venture architecture
  
• Acquired and aligned strategic partners critical to tokenization and regulatory execution
  
• Completed an initial syndicated capital raise
  
• Designed full mobile and web SaaS prototypes for a tokenized cash-advance platform
  
• Established regulatory, operational, and financial foundations for scalable growth
  

Feedback

“I entered this space without a fully formed plan. Through Avion’s venture operating model, I now have a real company, a credible strategy, and a clear path to scale. Building a cash-flow–driven financial platform is complex, and having experienced partners at every step has been decisive.”

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