Investor Presentation
Land softly. Exit ready.
Powering The Global Expat Economy
About
Expat Mall is the infrastructure and commercial hub for the global expat economy—bringing together people, businesses, governments, financial institutions, and service providers in one unified platform.
Executive Brief
Expat Mall, Inc. is a U.S.-based company building products and solutions for globally connected families navigating the complexities of life across borders—balancing careers, caregiving, financial obligations, and responsibilities to both immediate and extended family members around the world.
The company is inviting select investors to support the following priorities:
- Customer and business onboarding across key diaspora and expat segments.
- Embedded financial services and remittance infrastructure for global families.
- Development and launch of the Expat Mall iOS and Android applications.
- Recruitment of Regional General Managers to lead strategic mall categories and verticals.
- Production and distribution of Expat Mall’s premier editorial guidebook and multimedia publication.
- Operational expansion, SG&A, and corporate infrastructure across the United States and the Philippines.
- Research and market development initiatives in high-priority international hubs across the Asia Pacific, Europe, and the Middle East.
Mission
Global mobility is becoming a permanent feature of modern life. Millions of people now live between countries, cultures, and economies, yet the infrastructure supporting them has failed to keep pace. Expat Mall is building the infrastructure layer for global living—empowering expats, immigrants, overseas workers, international students, and globally connected families to live, work, build businesses, access opportunity, and belong anywhere in the world.
Vision
We are not building just another mobile app. We are building a civilization-scale platform designed to support the entire immigrant lifecycle — from education and employment to family, business, retirement, and eventually returning home.
Exit
We anticipate strategic acquisition interest within the next 5 years by a global financial institution such as HSBC, a leading regional conglomerate like Lotte Corporation (Korea), or a technology company such as Palantir.
The Problem
Globalization created globally mobile humans. The infrastructure to support their lives never followed. Every system is fragmented. Every handoff has friction. Nobody has built the connective layer.
Today, critical services like healthcare, legal support, banking, and social connection remain siloed within home-country systems, even as people increasingly live global lives.
People have always moved across borders in pursuit of opportunity, but building a successful life abroad remains fragmented, expensive, and operationally complex.
Typical Monthly Expat Monthly Expense Breakdown
(Example: Senior-Level Professional / Family of 3 Living Abroad)
-
Health Insurance $400+
-
Rent / Housing $1,200+
-
Utilities + Internet + Mobile $150+
-
Groceries & Food $500+
-
International School Tuition $800+
-
Visa / Immigration / Residency Fees $100+
-
Taxes / Cross-Border Accounting $200+
-
Money Transfers / FX Fees $50+
-
Legal Services $100+
-
Security Deposits / Relocation Costs $200+
-
Subscriptions / SaaS / Remote Work Tools $50+
-
Retirement / Investment Management Variable
Flying back thousands of miles just to see a doctor, fill prescriptions, or handle banking and legal obligations is a waste of time and money.
Expats spend billions annually navigating fragmented global systems with no centralized platform designed to manage modern international life.
Hidden Pain Points
- No centralized trusted ecosystem
- Scams and unreliable providers abroad
- Complex healthcare systems
- Cross-border taxes and compliance
- Expensive international insurance
- Fragmented expat services
- Currency exchange losses
- Difficult investment access abroad
- Lack of vetted local professionals
- Limited infrastructure for retirement abroad
- Managing assets across multiple countries
- No “operating system” for global living
The Solution
Introducing exOS—the operating system that connects expats and global families to every essential service they need abroad: healthcare, legal, banking, taxes, and visas—all in one place.
One platform. One login. One command center for life abroad—and back home.
Core Products & Modular Operating System
Expat Mall is not a single product. It is a mall—the commercial infrastructure for the global expat economy—enabling unlimited services, professionals, businesses, and government programs to engage and support expatriates through one cohesive platform.
Layer 1: Identity & Compliance OS
Expat Profile
Centralized Global Identity
- Visas & Residency
- Accreditation & KYC
- Family & dependents
- Compliance tracking
Layer 2: Mobility & Life Infrastructure
TelePort
Your personal visa and investor immigration dashboard.
- Visas Documentation
- Immigration Documents
- Relocation Logistics
- Investor Visas (EB-5)
TeleHealth
Instant access to global healthcare, insurance, and telemedicine.
- Pharmacy
- Healthcare navigation
- Telemedicine
- Insurance
TeleLaw
All your cross-border legal, tax, and compliance needs in one place.
- Immigration
- Tax Preparation
- Corporate Law
- Estate Law
Layer 3: Work, Capital, & Commerce
TeleHire
Global hiring, EOR, payroll, contractor compliance.
- Employer of Record (EOR)
- Global payroll & compliance
- Remote work visas & Contractor management
- Cross-border hiring
TeleFinance
Manage global investments, taxes, and expenses.
- Equity Investments
- Financing
- Financial Integration
- Portfolio Returns
B2C & B2B Commerce
Access, compare, and acquire expat esssentials.
- Real Estate, Insurance, etc. Marketplace
- Online Courses
- Credit & Rewards Loyalty Card
- Lifestyle Essentials
Layer 4: Demand & Growth Engine
Expat Mall becomes the distribution channel for global talent and capital.
Brand Agency
Advertising, PR, & Marketing Solutions
- Governments
- Schools
- Financial Services
- Health Care
- Global Businesses
- Employers
Market Opportunity
No company has emerged as the central platform for global expats, nor for the businesses, professionals, institutions, and government programs that spend on acquiring them.
Market Size
Total Global Expat Population
>
0
M
plus
Family Beneficiaries
>
0
M
Expat Mall serves a focused market of 50-80 million expats worldwide—a highly mobile, economically influential population whose needs span relocation, employment, finance, healthcare, legal services, entrepreneurship, commerce, and investment.
TAM
$
0
T+
Total Expat Economy
(Health, banking, legal, visas, commerce)
SAM
$
0
B
Digitally accessible expat services on a marketplace model
SOM
$
0
M
Realistic 3–5 year capture at scale
Primary Market Segment
Immigrant Investors
- EB-5 immigrant investors
- Golden Visa applicants
- Residency-by-investment participants
- Citizenship-by-investment applicants
- International entrepreneurs relocating abroad
- High-net-worth expatriates and globally mobile families
Investment Migration Population
+
0
M
TAM Annually
$
0
B+
Secondary Market Segments
Professionals
Professionals Worldwide
+
0
M
TAM by 2034
$
0
B+
Medical Tourists
International Patients
+
0
M
TAM by 2035
$
0
B+
Retirees
New/Returning Retirees
+
0
M
TAM by 2034
$
0
B+
Students
Foreign Students
+
0
M
TAM by 2030
$
0
B+
Destination Weddings
International Weddings Annually
+
0
M
TAM by 2034
$
0
B+
Religious Groups
Missionaries, Mormons, etc.
+
0
M
TAM by 2034
$
0
B+
Business Model
We monetize the full expat lifecycle—generation after generation.
Expat Mall is built for long-term, platform economics.
We monetize both sides of the marketplace through commissions, subscriptions, and financial infrastructure — just like a mall, but digital and global. We don’t simply monetize visas — we monetize the entire expat lifecycle, from moving abroad to building wealth across borders.
Core Unit of Economics
We Earn Revenue per Expat Household per Year
Core Revenue Streams
Marketplace commissions on goods and products sold by our retailers.
Transactional, scalable, recurring — earning % commission on:
- Legal & Visa Services
- TeleMed Consultations
- Online Pharmacy Orders
- Financial & Compliance Services
- Travel, Housing, & Relocation Services
High intent, high lifetime value users.
Vendor Subscriptions (SaaS-like)
Predictable revenue base — monthly or annual plans for:
- Doctors & clinics
- Lawyers & law firms
- Pharmacies
- Financial institutions
- Professional service providers
Includes:
- Profile & storefront
- CRM / messaging
- Payments & compliance tools
Expansion Revenue Streams
Financial Products & Fees
Interchange or referral fees from:
- Cross-border wallets
- Banking & card products
- Remittance & FX services
Revenue per transaction, not balance sheet risk.
Sponsored Placement & Discovery
Predictable revenue base — monthly or annual plans for:
- Featured listings
- Search prioritization
- Sponsored brand content (Yelp-like, but transactional)
B2B & Government Partnerships
Monthly or annual plans for:
- White-label portals
- Visa processing workflows
- Health & compliance integrations
- Per-case or per-user fees
Users → Providers → Transactions → Outcomes & Data → Better Matching → More Users
Validation & Go-to-Market Strategy
Ecosystem Partners
Leveraging more than 20 years of industry relationships, the Founder has assembled a network of advertising, media, and business professionals across diverse sectors who will help fuel the platform's initial user and partner ecosystem.
Core Market Validation
Expat Mall has engaged in exploratory discussions with HSBC Expat Banking to assess potential collaboration opportunities in developing banking and financial solutions tailored to the needs of global expat members.
We plan to test early engagement and demand signals for expat-focused financial services through digital acquisition experiments and early-access funnels to validate interest and product-market fit prior to full rollout.
Expat Mall is engaging with expatriate professionals at the Asian Development Bank in Metro Manila to gather insights and validate solutions designed to simplify life across borders.
Product Market-Fit
We are the customer—and so are many of our friends and family.
We're building Expat Mall because global life is real—but the infrastructure is broken.
🇵🇭 Wife + 🇺🇸 Husband
As a dual-career, dual-citizen sandwiched couple, we know firsthand how fragmented life abroad truly is.
Healthcare, legal services, banking, immigration, and community are all siloed across countries and platforms, forcing globally mobile individuals to assemble their lives manually.
Expat Mall is the operating system for global living — a unified ecosystem for relocation, residency, and cross-border life.
Category Creation
Expat Mall is a category creator and market innovator—building the first operating system for global expats.
We’re introducing a new financial infrastructure that reflects the modern reality of international living, immigrant investment, and wealth creation across local communities.
With no direct competitors, we have a rare opportunity to redefine how global immigration works and who benefits from it.
Changed the way you think about vacation.
Changed the way you think about transportation.
Changed the way you think about cars.
Changed the way you think about shopping.
Changed the way you think about moving.
Financials & Revenue Projections
Revenue Streams
6 Diversified Sources of Income
We earn on every transaction.
Marketplace Commission
Core Revenue
5–15% commission on each vendor transaction. Vendors list globally, expats shop locally.
Vendor Subscriptions
Recurring
Tiered SaaS plans (Basic → Pro → Enterprise) for storefront tools, analytics & visibility.
Social Ad Network
High Margin
CPM/CPC ads targeting expat demographics. Brand sponsorships and promoted listings.
Premium Membership
Loyalty
Expat users pay for exclusive deals, early access, concierge services & community perks.
Private Label Brands
Highest Margin
Kirkland-style own-brand products in highest-demand categories. Full margin, no commission split.
Franchising & Licensing Network
High Margin + High ARR + Highly Scalable
We make it simple—you make it extraordinary— local franchise partners operate and grow the business in their markets.
3-Year Revenue Projects
Where We're Going
ARR by End of 2028
$
0
M
- 68% Gross Margin
- 520K Users
- 12,500 Vendors
Q4.2027 Inflection
ARR Series A Ready
$
0
M
- 61% GM
- 140K Users
- Break Even
End of 2026
Revenue, Proof of Concept
$
0
K
- Early Traction
- Beta Live
- First Vendors
Unit Economics & Key Metrics
$900 Revenue per Expat Household per Year
One household relationship
Platform Funnel Economics
One household relationship
Marketplace Commissions
$450
$3,000 household spend x 15% take rate
Premium Membership
One subscription per household
$120-180
Private Label (Expat Vitals)
$150-250
Supplement & Product margin, repeat buy
Social AD Network
$40-80
Per-user ad yield x 2-3 adults
Vendor Subscriptions
$20-40
B2B revenue amortised per household
TOTAL ANNUAL REVENUE PER HOUSEHOLD (ARPH)
$780-$1,000
Benchmark is Amazon Prime Households $1,400 per year. $900 ARPH is conservative, expat households have higher average income, more concentrated needs and fewer alternatives.
The Scale Math
300M expats + 3 per household
= 100M households
Capture just 1% of households
= 1M households
1M x $900 ARPH
$900M ARR
at 1% market penetration
Network Effects
Expat joins > sends remittance -> family joins -> community grows
Use of Funds & Path to Profitability
Based on $2M Seed Round
Q4.2026
Seed Close + Beta Launch
→ Platform live
→ First vendors onboarded
→ Beta users active
Q4.2026
Ad Network Live
→ First brand partnerships secured
→ CPM pricing active
→ $175K revenue
Q1.2027
Private Label Launch
→ First Expat Mall-brand products
→ Highest-margin stream activated
Q4.2027
Break-Even Month
→ Monthly burn eliminated
→ Net positive operations
Q4.2027
Series A Ready
→ $2.2M ARR
→ 140K users
→ 4,200 vendors
Q4.2028
Profitable at Scale
→ $6.2M ARR
→ 68% GM
→ 520K global users
Team
Founder & CEO
Raphael John C. Oriel
American expat and serial entrepreneur with 20+ years of international business experience helping companies expand and thrive across borders.
- 20+ years of advertising/media relationships
- Existing cross-border business network
- Deep familiarity with overseas Filipino and expat consumer behavior
- Long-term relationships with potential vendors, advertisers, and partners
- Community-driven ecosystem strategy
Venture Portfolio
Investor
President
Head, Corporate Development
Investor
Operating Strategy
Expat Mall’s long-term organizational strategy is structured around specialized vertical operators and regional leadership teams, allowing the platform to scale across multiple industries and geographic markets while maintaining operational focus within each category.
Founder & CEO
Shared Platform Infrastructure
Vertical Divisions
Regional Operators
Team Buildout Strategy
Expat Mall has intentionally remained founder-led and lean during the pre-seed phase to preserve equity, maintain strategic flexibility, and continue developing the platform in stealth mode within a highly competitive AI-accelerated environment.
Following the seed round, the company plans to formalize advisory participation and recruit key executive leadership across operations, technology, growth, and partnerships.
Investment Terms
Summary
Expat Mall is a multivendor marketplace and commercial ecosystem purpose-built for the global expat community—an underserved market of 300+ million people with concentrated purchasing needs.
The platform earns on every transaction through marketplace commissions, while also owning and operating proprietary brands distributed through its own network—modeled after Amazon's first-party business and Costco's Kirkland portfolio.
Wholly owned brands are built at inception and scaled within the ecosystem, compounding equity value alongside platform growth.
Wonder Yayá
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Balikbayan Mall
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My Intelligent Family Office
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UBE
UBE.earth is the global marketplace and social commerce platform dedicated to unlocking the full potential of ube — connecting farmers, manufacturers, cafés, creators, retailers, wholesalers, and consumers through one vertically integrated ecosystem.
Mahal Teas
A premium tea brand inspired by two meanings of the word Mahal — the Filipino word for love, and the timeless elegance of the Taj Mahal.
Expat Vitals
Expat Vitals is building a modern wellness brand for globally mobile people. We create premium vitamins, supplements, skincare, and beauty essentials designed for the realities of international living—jet lag, stress, climate changes, urban lifestyles, aging, and everyday performance.
Destination Weddings
Destination Weddings enables governments and companies to pitch couples on being part of their momentous occasion.
Our Family Office
Our Family Office is a private social network connecting emerging Family Offices with growth assets.
The Brown Bear Diner
Brown Bear Diner is a children’s book series that follows the heartfelt journey of three brothers who are building a family-run diner from the ground up.
The Amerikaño Show
An animated comedy—think Veep meets The Simpsons with a splash of Dr. Seuss. The Amerikaño follows a first-generation Filipino expat navigating the absurdities of life in America…and the even stranger journey back home.
The BureauCats
The BureauCats is an animated workplace comedy about a dysfunctional team of government cats buried in bureaucracy, office politics, and absurd public crises—where every meeting becomes a catastrophe, every promotion is personal, and the only thing sharper than their claws is their sarcasm.
The Amerikaños
The Amerikaños is a sharp, satirical adult animated comedy—stimulating and strong, like the coffee. Following six offbeat American expats abroad, the show blends satire, soul, and rich cultural flavor.
Expat Global Rewards Card
The Expat Global Rewards Card is a next-generation membership and rewards ecosystem designed for globally mobile individuals and families powered by Expat Mall.
L'Americaño
L'Americaño is a premium global coffee lifestyle brand inspired by the elegance of international travel, timeless American heritage, and modern café culture.
Expat Center of Los Angeles
Where Los Angeles meets the world and the world meets Los Angeles.
Designed for—that life.
A blend of timeless American soul with the sophistication of modern global living. Designed for internationally minded builders, the brand features elevated essentials.
Land softly. Exit ready.
This investment opportunity is exclusive to the founder’s friends and family and may not be shared, marketed, or offered to any third party without the founder’s express written consent.
Thank you.
Raphael John Oriel
- Expat Mall, Inc.
- Founder & CEO
- 🇺🇸 +1-213-269-7392
- 🇵🇭 +63-917-153-2428
- rjoriel@expatmall.com