Investor Access · Pre-Seed

The infrastructure for multi-card payments.

Quarvo unlocks billions in stranded purchasing power. We're building the first platform that lets consumers use their existing credit intelligently — across cards, in real time, at any merchant.

$2T+
US credit card debt
$847B
High-ticket purchases/yr
34%
Purchases declined by limit
$0
Direct competitor
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Where we are

Built. Deployed. Growing.

01
Product built & live
Full-stack MVP deployed at app.quarvo.io. End-to-end payment splitting with Stripe. Zero infrastructure debt.
02
Domain & brand secured
quarvo.io live. Brand identity complete. Merchant landing page live at quarvo.io/merchants.
03
Merchant pipeline building
Early merchant conversations underway. Target: boutique hotels, luxury travel, high-ticket retail.
Business model

Two revenue streams. Both proven.

↑
State 1 — Standard
User pays $3.99 flat fee + Stripe processing. Works with any merchant worldwide from day one.
◆
State 2 — Partner merchant
Merchant pays 2% via Stripe Connect. User pays $0. Quarvo earns 2% net per transaction.
⚡
Path to scale
V3: First merchants + Plaid auto-detect. V4: Chrome extension. V5: Quarvo Card via Stripe Issuing.
Why now

The real limitation isn't your total credit.
It's how fragmented it is.

BNPL introduced consumers to flexible payment options but created new debt. Quarvo is the first product that activates the $2T+ in existing, already-approved credit that consumers own but can't access across a single transaction.

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Get in touch

Ready to learn more?

Email us directly at support@quarvo.io or use the form above to request the pitch deck.

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