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RC365 Holding PLC Launches Wealth Management System
RC365 Holding PLC announced the launch of its Wealth Management System, a purpose-built Software-as-a-Service platform designed for trust companies and wealth management institutions, fully integrated within the RC ecosystem. The platform has been developed as a turnkey SaaS solution that can be licensed to multiple trust companies and wealth management firms, creating a scalable, capital-efficient revenue model with the potential to generate meaningful recurring revenues over time. The Wealth Management System Phase 1 has been developed with a total investment of approximately USD 150,000, encompassing platform architecture, core module development, testing and deployment. The platform is now ready for commercial deployment and is intended to be licensed to trust companies and wealth management institutions on a monthly subscription basis at USD 5,000 per month per subscriber. The subscription fee is subject to adjustment based on the scope of services and modules deployed for each subscriber. Based on an illustrative scenario in which the Group onboards 5 to 8 trust company subscribers within the first 12 months of commercial launch, the platform could generate under the assumptions described in this announcement annual recurring revenue of approximately USD 300,000 to USD 480,000 from subscriptions alone. At the mid-point of this range, the Group believes it could achieve full payback on the Phase 1 development investment within approximately 4 to 6 months of reaching target subscriber capacity. Beyond the breakeven point, each additional subscription contributes almost entirely to gross profit, as the marginal cost of serving each new subscriber is estimated at less than 5% of the subscription fee, delivering potentially very attractive operating margins. As the subscriber base grows beyond Year 1, to 15 to 20 subscribers by Year 3, the illustrative scenario indicates annual SaaS revenue could reach USD 900,000 to USD 1,200,000, representing a significant return on the original Phase 1 development investment. In addition to the standard SaaS subscription, the platform is designed to accommodate tailor-made customisation for individual trust company subscribers. Each subscriber may require bespoke configurations, additional modules, or integration with their existing systems. The Group offers these customisation services at a rate of USD 1,000 per man-day, providing a further revenue stream that scales with client complexity and demand. Based on an illustrative average of 5 to 10 man-days of customisation per subscriber during onboarding, and ongoing enhancement requests of approximately 2 to 5 man-days per subscriber per month, this channel could contribute an additional USD 120,000 to USD 480,000 per annum across the subscriber base. The Wealth Management System is purpose-built for trust companies, positioning the Group as a strategic intermediary between end-investors and licensed trust institutions. Through the platform, the Group is able to introduce and refer clients directly to trust companies that subscribe to the system, earning referral commissions on each successful client placement. The Group will target a referral commission of 0.5% to 1.5% on assets placed by referred clients, payable by the receiving trust company. Based on an average client deposit of USD 50,000 and an assumption of 20 to 50 client referrals per month across all subscribing trust companies, this channel could generate commission income of approximately USD 60,000 to USD 450,000 per annum. The system is architecturally designed to connect with the Group's Banking Virtual Account service, which is also offered as a SaaS product, creating a natural and compelling pathway for trust company subscribers to adopt Banking Virtual Account on a separate monthly subscription basis as their underlying banking and settlement layer. The Banking Virtual Account service is offered as a separate SaaS subscription at USD 5,000 per month per trust company, providing a complete virtual banking infrastructure including account management, fund settlement, and payment processing capabilities. Assuming 5 to 8 trust companies subscribe to both the Wealth Management System and Banking Virtual Account in Year 1, the Banking Virtual Account SaaS revenue contribution is estimated at USD 300,000 to USD 480,000 per annum. Revenue Channel Year 1 (Conservative) Year 1 (Optimistic) Wealth Management System SaaS Subscription Fees USD 300,000 USD 480,000 Tailor-Made Customisation (Manday) USD 120,000 USD 480,000 Client Referral Commissions USD 60,000 USD 450,000 Banking Virtual Account SaaS Subscription Revenue USD 300,000 USD 480,000 Total Annual Revenue USD 780,000 USD 1,890,000 Against a total development investment of approximately USD 150,000, the combined revenue potential across all three channels illustrates the potential economics of the platform, with full payback potentially achievable within the first year of operations under the mid-case scenario.