Executive Summary

  • Predictable B2B SaaS model based on modular licenses (Core, Compliance, AI).
  • Raw scalability (Margins > 85%) thanks to a serverless and multi-tenant architecture.
  • Long-term value capture via API usage (Volume-based tiers) and Enterprise SLAs.

Why this matters for a CRO

"A transparent economic model is a guarantee of the partner's sustainability. DCM ensures a cost structure aligned with the client's effective reduction of operational risks."

LONG-TERM PARTNERSHIP FOCUS
B2B SaaS Revenue Logic

Economic Model Transparency.

A highly predictable revenue model, designed to capture financial infrastructure value without hindering initial adoption. Focus on ARR and modular upsell.

Monetization Mechanics (SaaS)

Modular Licensing

Pricing based on activated modules (Core Engine, Regulatory Reporting, AI Copilot). Banks can start with a restricted scope (e.g., SWIAT only) and "Land & Expand".

Volume-Based API Usage

Overage tiers appliqués sur les appels API massifs (Ingestion de données de marché B-PIPE, millions de calculs Monte Carlo). Assure une capture de valeur corrélée à la taille du client.

Enterprise SLAs & Support

Monétisation premium des options SOC2-compliant, du Single Sign-On (SAML 2.0) et de la ségrégation stricte via VPC On-Premise (Private Cloud Deployment).

Commercial Tier Structure (ARR Focus)

Tier 3 (Emerging/SMB)
Tier 2 (Regional)
Tier 1 (Global Systemic)
Accessible Primary Networks
1 (ex: SWIAT)
Up to 3
Unlimited + Custom
Risk Engine (Stress Tests)
Static T0
Daily Batch
Real-Time API
Zero-Hallucination AI Copilot
(Private LLM)
Cryptographic Audit Trail (Notarization)
Deployment & SSO
Public SaaS / No SSO
Shared SaaS / SAML
Private VPC / Strict RBAC
Estimated ACV
~$50k - $75k
~$120k - $180k
$250k+

Price Positioning (Value-Based Pricing)

Cost of Inaction (Status Quo)

  • Basel III capital weight (Exposure 1250% RW)
  • MiCA/DORA fines (Up to €5M or 10% Turnover)
  • Manual audit (MBB consultants: ~€500k / year)
Impact: > €1-2M / year per infrastructure

DCM Governance OS (SaaS)

  • Instant DORA/MiCA compliance & audit trail
  • Optimization of capital buffers via SR 11-7 KPIs
  • Predictable pricing (Pure software license)
Enterprise ARR Target: ~150k - 250k€

SaaS Gross Margins

> 85%
Architecture Serverless & Edge

Upsell Expansion Velocity

+3 Mod./year
Activation of adjacent networks

Sticky Infrastructure

API-First
Lock-in at the heart of the banking IT system

Related Strategic Insights

Platform
Governance OS
Compliance
Regulatory Mapping
Risk Management
MRM Hub
Case Study
Tokenized Bond