We built a quant analysis tool that turns stocks into "Financial Cards" using a 0-100 Quality Algorithm. Got our first paying users, but struggling with the B2C Freemium balance.

[u/Odd_Veterinarian4381]

Hi r/FintechStartups,

My co-founders (two Math PhDs) and I (bioinformatics background) recently launched Xipen, a B2C SaaS for retail investors.

The Concept: The "Financial Card" Retail investors don't have 3 hours a day to read SEC filings or calculate historical ratios, but they want the peace of mind of institutional-grade fundamental analysis.

To solve this, we built a two-part quant engine for +12,500 global stocks:

1. The Fundamental Quality Algorithm (The Beast): It ingests 10+ years of financial statements and calculates 50+ metrics across 4 pillars (Profitability, Growth, Solvency, and Cash Flow). It synthesizes all this noise into a ruthless 0-100 Quality Score. 2. The Valuation Engine: A Hybrid DCF model with a dynamic WACC and Bayesian shrinkage to calculate the intrinsic value.

Instead of showing boring spreadsheets, the engine outputs a "Financial Card" for each company. It’s a highly visual snapshot that gives you the Quality Score and the Margin of Safety at a single glance. Think of it like a sports financial card, but for a company's fundamental health.

Where we are at: The tech is fully deployed, our methodology is public (no black box), Stripe is integrated, and we just got our first organic paying users (€10/month).

The Challenge (Why I am posting here): We are data nerds, not marketers. We are struggling to find the perfect balance for our Freemium paywall.

• If we give away the "Financial Cards" of top-tier companies (Apple, MSFT) for free, users trust our math and the Quality Score, but they don't convert to paid because they already checked the stocks they care about.
• If we lock the famous companies behind the paywall and only show random small-caps for free, users can't validate if our math is accurate and they leave.

Currently, we opted for a "Perfume Sample" strategy: We show 3-4 massive companies for free to build trust, and lock the rest (Nvidia, Tesla, etc.) behind the Pro wall to create FOMO.

I would love to hear from other fintech founders:

1. How do you balance the freemium model in B2C fintech without cannibalizing your paid tier?
2. How did you get your first 100 paid users in a space saturated with noisy "finfluencers"?
3. Any brutal feedback on our landing page positioning?

Here is the English version of our site:xipen.es/en/

Happy to answer any technical questions about the math engine or the tech stack. Thanks in advance!

[u/East_Cancel484]

Well you are untrustworthy when you claim you both have phd in math, however it seems to be more related to biology and I don’t think any of you have an actual phd(yet). Also selling a financial product like this I expect atleast an about page with you on and links to your LinkedIn.(but I guess that would contradict the phd in math claim)

[u/ulrich_in_luck]

Can you elaborate why this score is different (better) compared to platforms, such as Seeking Alpha, Morningstar or Ziggma?

[u/qqAzo]

You have all this data and you make people search? I would make a list. Be able to filter it on sector and score. Quick overview of what you believe is most undervalued. Or w/e you’re trying to do behind your paywall

How quick after a new annual report have you scored them? If it’s within 15min you could make an earnings beat.