Strategic Alliance Proposal · Confidential · May 2026

Build it
lean.
Raise it strong.

How K&I WealthTech becomes a full-stack fintech platform — at ₹7.2L/month instead of ₹20L.

0%
Lower monthly burn vs traditional
₹0Cr+
Saved by fundraise milestone
0×
Senior domain experts embedded
0mo
To fundraise-ready platform
See the Strategy → Let's begin
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The status quo

Most fintech
startups burn out
before they build.

The traditional playbook — hire full-time, spend big, build slow — destroys runway before product-market fit. In a regulated space like fintech, the cost of a wrong hire isn't just financial. It's a missed compliance window, a botched architecture, a licence at risk.

Full-time CTO hire cost
in a regulated fintech ₹5L/mo
Traditional team cost
before first product ships ₹20L/mo
Months before a traditionally-built
team ships AI to production 9–12mo
Cost of retrofitting compliance
after launch vs. building it in 3–5×
The Dalm model

Same outcome.
A third of the cost.

Five senior, domain-expert resources — embedded, operating in a tight daily cadence, investor-ready from day one. Not a team of generalists. A strike force of specialists.

Traditional approach
Full-time hires — built from scratch
₹20L / month
VP Engineering / CTO (FT)₹5,00,000
Senior Product Manager (FT)₹4,00,000
AI / ML Engineer (FT)₹3,50,000
Project Manager (FT)₹2,50,000
2× Junior Engineers (FT)₹2,50,000
Compliance / Legal retainer₹1,00,000
Tools, infra, licences₹1,50,000
Total monthly burn₹20,00,000
vs
Dalm strategic model
Embedded specialists — lean and senior
₹7.2L / month
CTO Office (fractional, on-site 2×/mo)₹1,60,000
Fintech PM (consulting, on-site 2×/mo)₹1,30,000
AI / ML Engineer (fintech-domain)₹1,25,000
Project Manager (delivery + docs)₹1,20,000
Junior Engineer ×1 (scalable to ×2)₹75,000
SEBI / RBI compliance support₹50,000
Tools, infra, licences (optimised)₹60,000
Total monthly burn₹7,20,000
₹12.8L
Saved every month at launch
64%
Lower burn vs traditional
₹76.8L+
Saved in first 6 months
3×
More runway, same capital
Cost over time

Even growing at
20% every quarter,
Dalm stays lean.

The traditional model starts at ₹20L and stays there — fixed overhead with no correlation to output. Dalm's model starts at ₹7.2L and even with a 20% increase every 3 months to reflect scope growth, it doesn't breach ₹11L before the fundraise closes.
Traditional team — flat ₹20L/month
Dalm model — growing 20% every 3 months
Fundraise trigger (month 6)
Execution roadmap

From first sprint
to Series A.

A disciplined 9-month arc — build, pilot, raise. Every phase designed to make the next one stronger.

Week 1–2
Kickoff
Team embedded. Project plan live.
CTO and PM first on-site visit to K&I WealthTech Mumbai. Architecture decisions, tech stack selection, and sprint-zero backlog agreed with founders. Daily sync begins immediately.
CTO on-sitePM on-siteProject plan
Month 1
Sprint 1–4
First prototypes. AI strategy signed off.
MVP wireframes, data models, API contracts drafted across LAS, RIA, and wealth verticals. AI/ML model roadmap defined. Compliance architecture review complete.
LAS alphaRIA alphaAI roadmap
Month 2–3
Build phase
MVP shipped. AI in staging. Diligence pack ready.
Core flows across all three verticals functional. AI models deployed to staging. CTO prepares tech diligence pack for early fundraise conversations. PM begins client onboarding playbook.
3-vertical MVPAI in stagingDiligence pack
Month 4–5
Pilot phase
First clients live. Traction established.
Pilot clients onboarded across at least one vertical. Real usage data flowing. AI models moved to production. Fundraise narrative — team, product, traction — finalised with PM and CTO.
Pilot clientsAI in productionFundraise narrative
Month 6 →
Fundraise begins
₹76.8L saved. Raising from strength, not desperation.
CTO and PM join investor meetings as technical leadership. Full diligence pack in hand. Platform live, clients paying, AI proprietary. ₹76.8L+ preserved versus the traditional model — capital that goes on the term sheet as proof of financial discipline.
CTO in meetingsPM in meetingsSeries A target
Month 9
Target close
Term sheet. ₹1Cr+ preserved. Platform proven.
Fundraise closes. Cumulative savings versus traditional model exceed ₹1 crore. PM and CTO evaluate transition to full-time roles. Engineering team scales. The platform that was built lean now grows with Series A capital behind it.
Series A closedFT leadership transition₹1Cr+ preserved
The embedded team

Five specialists.
No filler.

Every role carries fintech domain expertise. No generalist ramp-up. No learning on your dime. The CTO and PM are on-site at K&I WealthTech's Mumbai office every two weeks and in a 30-minute daily sync every working day.

01
Strategic
CTO Office Services
Fractional · On-site 2×/mo
Investor-facing
Architecture + diligence
02
Strategic
Fintech Product Manager
Consulting → Full-time
On-site 2×/mo
Roadmap + onboarding
03
AI Capability
AI / ML Engineer
Full-time remote
MLOps from day one
Proprietary model IP
04
Delivery
Project Manager
Full-time remote
Runs daily sync
Docs everything
05
Delivery
Junior Engineer ×1→2
Full-time remote
Domain-mentored
Scales with pipeline
How the team runs

Tight cadence.
Zero ambiguity.

Every interaction is structured. Every decision documented. K&I WealthTech's leadership always has full visibility — no scrambling before investor meetings.

30m
Daily standup — every working day
  • Google Meet · PM-run · full team mandatory
  • Blockers surfaced and resolved within 24 hours
  • Action items owned, tracked, reported
  • K&I WealthTech leadership invited at any time
1×
Weekly product planning session
  • Sprint goals, backlog grooming with K&I WealthTech team
  • All decisions logged in living project plan
  • Weekly summary report to K&I WealthTech leadership
  • Roadmap always current and investor-presentable
2×
On-site visits per month — Mumbai
  • CTO and PM at K&I WealthTech office every two weeks
  • Deep product reviews, demo days, stakeholder sessions
  • In-person investor prep and pitch rehearsals
  • Relationship-building with founders and clients
∞
Living documentation — always audit-ready
  • Every decision, risk, owner, and dependency logged
  • Architecture Decision Records by CTO office
  • Version-controlled project plan, always current
  • Full investor diligence pack maintained from sprint one
What K&I WealthTech gains

Short-term speed.
Long-term dominance.

Speed to market
Launch-ready in weeks, not months
No hiring cycles. No domain ramp-up. CTO architecture and PM-led backlogs mean shipping begins within the first sprint. The product clock starts on day one.
Cost efficiency
Senior leadership at a fraction of full-time cost
CTO-level architecture and a seasoned Fintech PM without the full-time salary burden — freeing ₹13.5L/month for product, compliance, and early client acquisition.
Compliance-first
SEBI, RBI, and PMLA expertise baked in
Regulatory knowledge built into every architecture decision from day one. Compliance is not retrofitted. In fintech, this alone can save a licence — and months of delay.
Governance
Structured delivery with full visibility
Daily standups, weekly planning, and a documented project plan mean no surprises. K&I WealthTech's leadership always knows where every rupee of the budget is going.
Wk 1–2
Team onboarded, architecture set
CTO and PM on-site. Daily sync starts. Sprint zero complete.
Mo 1
Prototypes across all 3 verticals
MVP wireframes, APIs, AI model strategy.
Mo 2–3
Alpha builds + diligence pack
All verticals functional. AI in staging. CTO prep begins.
Mo 4–6
Pilots live → fundraise triggers
Clients paying. ₹76.8L saved. Raise begins from traction.
K&I WealthTech at 6 months
✓ 3-vertical platform live ✓ Pilot clients paying ✓ AI in production ✓ ₹76.8L+ preserved ✓ Diligence pack ready ✓ Fundraise live
Institutional capability
A fully-owned technology core
PM and CTO transition to full-time — K&I WealthTech internalises world-class fintech leadership permanently. No dependency on a vendor. A genuine technology company.
Competitive moat
Proprietary AI that no one can copy
In-house credit risk, portfolio intelligence, and advisor recommendation models trained on K&I WealthTech's own data. Defensible IP that compounds with every client interaction.
Fundraise leverage
Higher valuation at every round
Live platform, documented delivery, in-house AI, credentialed leadership. Series A investors pay for proven platforms — not promises. Dalm's model builds exactly that.
Platform flywheel
Cross-vertical network effects
LAS clients become RIA candidates. RIA users feed multi-family wealth. One unified platform creates stickiness and upsell pathways competitors cannot replicate from scratch.
Revenue scale
Enterprise and institutional readiness
The CTO architecture and PM onboarding playbook scale to AMCs, family offices, and institutional brokers — the segment that drives disproportionate AUM and revenue.
Regulatory edge
Compliance as a distribution engine
A compliance-first platform opens SEBI expansion, new licence categories, and bank or NBFC partnership channels — turning regulatory credibility into distribution advantage.
K&I WealthTech at 24 months
✓ Full-time CTO + PM ✓ AI IP owned in-house ✓ Series A closed ✓ Enterprise clients live ✓ Platform flywheel running ✓ Bank partnerships live
Why lean works in fintech specifically

Regulated spaces
reward precision
over headcount.

🏛
Compliance built in, not bolted on
SEBI RIA, RBI LAS, and PMLA requirements are woven into the architecture from the first sprint by a CTO who has operated in this regulatory environment before. Retrofitting costs 3–5× more and risks a licence suspension.
🎯
5 seniors beat 15 generalists
In a regulated domain, one architectural mistake can cost a product launch — or a licence. Deep fintech domain expertise in every role eliminates the class of errors that headcount cannot fix.
⚡
AI in production in 90 days
Dalm's AI/ML engineer ships proprietary credit scoring and portfolio intelligence models to production by month 3. Traditional teams rarely hit this milestone before month 9–12, by which point competitors have moved.
📈
Raise from traction, not from slides
By saving ₹76.8L in the first 6 months, K&I WealthTech walks into a Series A with a live platform, real clients, and visible financial discipline. That changes the investor conversation from pitch to negotiation.
🔁
Variable cost, fixed outcomes
The Dalm model scales in response to growth — not in anticipation of it. Traditional full-time teams front-load cost before any revenue exists. Lean teams earn the right to grow by delivering first.
📋
Investor diligence as a by-product
Every sprint produces ADRs, delivery records, and a live project plan. When an investor asks for due diligence, K&I WealthTech produces a complete pack immediately — not a panicked overnight assembly job.
Fundraise strategy

The CTO and PM
are your investor pitch.

Strategic talent doesn't just build the product — they walk into every investor meeting as living proof that K&I WealthTech has institutional-grade technical leadership.

CTO
Architecture credibility in every investor meeting
A fractional CTO with a real track record is a credibility multiplier in due diligence. Investors probe tech leadership first — K&I WealthTech walks in with an answer.
  • Presents and defends tech architecture to investors
  • Owns the full tech diligence pack
  • Evaluates path to full-time CTO post-Series A
  • Architecture Decision Records as audit evidence
PM
Product narrative and client onboarding at scale
The PM owns the product story investors need to hear — real clients, documented onboarding, measurable outcomes. Then transitions into the full-time product leadership role post-raise.
  • Co-presents product roadmap in investor sessions
  • Drives anchor client onboarding before the raise
  • Owns the go-to-market narrative for Series A
  • Structured playbooks ready for institutional scale
"By the time the first term sheet lands, K&I WealthTech will have preserved over ₹1 crore versus the traditional approach — capital that goes on the balance sheet as proof of exactly the financial discipline Series A investors are looking for."
₹1Cr+
Preserved vs traditional model by month 9
Commercial notes

What's not included.

The monthly retainer of ₹7,20,000 covers the five embedded resources and optimised tooling listed above. The following items fall outside the retainer and will be scoped, quoted, and approved separately in writing before any cost is incurred.

Hardware
Devices, servers & on-premise equipment
Any physical hardware required to run or support the platform — including developer machines, on-premise servers, networking equipment, or specialised devices — will be scoped and quoted separately. K&I WealthTech's prior written approval is required before procurement.
Travel & Accommodation
All travel & accommodation borne by K&I WealthTech
All travel and accommodation costs are fully borne by K&I WealthTech — including the standard bi-weekly on-site visits by CTO and PM to the Mumbai office, as well as any additional visits for investor meetings, client onboarding, or outstation engagements. Flights, accommodation, and ground transport will be arranged directly by K&I WealthTech or reimbursed to Dalm at actuals against receipts, with no markup.
Third-party & Vendor costs
External audits, legal, regulatory & API fees
External legal counsel, SEBI/RBI regulatory filing fees, third-party security audits, compliance certifications, and any vendor or API costs not listed in the retainer breakdown are excluded. These will be quoted in advance and passed through at cost without markup unless otherwise agreed.
Taxes
GST and all applicable statutory taxes
GST at the prevailing rate (currently 18%) and any other applicable statutory taxes will be charged over and above the monthly retainer. Tax invoices will be raised in accordance with applicable law. K&I WealthTech is responsible for any withholding tax obligations under Indian tax law.
→

Approval process: All costs outside the monthly retainer require a written estimate from Dalm and written approval from K&I WealthTech before being incurred. No third-party or out-of-pocket cost will be committed to unilaterally. This ensures full budget visibility and no surprises on either side.

The path forward

Three steps to
beginning.

01
Step one
Discovery Workshop
A joint session in Mumbai — K&I WealthTech founders with Dalm's CTO and PM. Align on product priorities, team structure, and 90-day milestones. Walk out with a signed sprint-zero plan.
02
Step two
Commercial Alignment
Agree on the engagement model and retainer structure. Define the triggers for PM and CTO moving to full-time roles post-Series A. No ambiguity. Everything documented.
03
Step three
Day One
CTO and PM on-site at K&I WealthTech. Full team daily sync starts. Project plan goes live. First sprint kicks off. The clock on your ₹76.8L saving starts here.