Ovanti Limited (OVT.ASX) – Hypothetical Business Plan for $1B TTV by Q4 2027

Executive Summary

Ovanti Limited (OVT) is accelerating its Buy-Now-Pay-Later (BNPL) expansion into the U.S. with a bold and aggressive strategy to reach $1 billion USD in Total Transaction Volume (TTV) by Q4 2027.

With a new CEO appointment pending and a renewed focus on execution over financial structuring, Ovanti is positioning itself as a next-generation BNPL provider that extends beyond traditional retail purchases into essential expenses, business lending, and high-growth merchant partnerships.

Key Goals:
✔ Faster market entry with full-time U.S. leadership.
✔ Expansion into 30+ states by mid-2027.
✔ Strong retail & B2B BNPL strategy for diversified growth.
✔ Achieve $1B TTV by Q4 2027—doubling the previous goal of $500M.

This strategic shift aligns investor expectations, market opportunity, and operational execution to drive sustained share price growth and long-term success.

Updated Strategy: How Ovanti Will Achieve $1B TTV

1️⃣ Faster U.S. Expansion & Market Entry

The most significant update in this plan is the shift toward rapid market entry and merchant acquisitions.

Key Enhancements:
✔ Full-time U.S.-based CEO with deep BNPL operational expertise.
✔ U.S. office fully operational in 2025.
✔ Accelerated state licensing process for maximum reach.
✔ Expedited merchant onboarding in high BNPL adoption states.

✅ Why This Works:
The BNPL sector is thriving in the U.S., with millions of consumers adopting installment-based payments. Ovanti is positioning itself as a flexible, multi-segment BNPL provider that expands beyond just retail.

2️⃣ Expansion Beyond Retail – BNPL for Everyday Expenses & B2B Lending

Most BNPL companies focus solely on consumer retail purchases, but Ovanti is taking a broader approach.

Key Growth Areas:
✔ Retail BNPL – Expanding partnerships with major U.S. retailers (targeting chains with $500M+ annual turnover).
✔ Essential Expenses BNPL – Covering utility bills, medical expenses, education, and subscriptions.
✔ Business BNPL (B2B) – Providing flexible credit solutions to small and medium businesses.

✅ Why This Works:

• Retail BNPL remains strong, but adding essential expense BNPL makes Ovanti more resilient to economic downturns.
• B2B BNPL is an underdeveloped sector with high demand for flexible payment solutions.
• Diversifying BNPL services reduces risk and increases revenue streams.

3️⃣ Strengthening Merchant Partnerships for Rapid TTV Growth

Ovanti’s path to $1B TTV relies on securing high-volume merchants that will drive BNPL adoption.

Key Targets:
✔ Secure 2+ national retailers ($1B+ turnover) by 2027.
✔ Expand to 100,000+ merchant locations.
✔ Build a strong regional merchant network for local commerce.
✔ Provide BNPL integration for e-commerce & brick-and-mortar stores.

✅ Why This Works:

• More merchants = More transactions = Faster TTV growth.
• BNPL adoption is growing fastest in in-store & online checkouts.
• Exclusive partnerships will drive sustained revenue & market positioning.

The New Execution Timeline for $1B TTV

Phase	Timeframe	Key Objectives
Phase 1: Immediate Expansion & Pilot	Q2 2025 – Q4 2025	- Secure U.S. BNPL licenses in 10+ states - First BNPL transactions processed - Merchant acquisition team expanded - Initial funding ($20M) from IDSB sale & ASX raise
Phase 2: Scaling to $500M TTV	Q1 2026 – Q4 2026	- Expand to 25+ states - Secure major retailer partnerships ($500M+ turnover) - Grow to 150,000 BNPL users - Target $500M TTV milestone
Phase 3: Scaling to $1B TTV	Q1 2027 – Q4 2027	- Expand BNPL services to 30+ states - Secure 2+ national retailer deals ($1B+ turnover) - Introduce BNPL for business (B2B expansion) - Achieve $1B TTV milestone

Hypothetical Share Price Projections Based on New Targets

Timeframe	Market Cap Estimate	Potential Share Price
12 Months (2025)	$200M–$300M AUD	$0.06–$0.09
24 Months (2026)	$500M–$600M AUD	$0.12–$0.16
36 Months (2027) – $1B TTV	$800M–$1B AUD	$0.20–$0.26

✅ Why This Works:

• If Ovanti executes this plan effectively, the stock has strong upside potential.
• A 5x–10x increase in share price is possible if key expansion and revenue milestones are met.
• Faster growth and merchant adoption = higher revenue = stronger valuation.

Why This Updated Plan is More Exciting Than Before

1️⃣ Faster Execution with Full-Time U.S. Leadership
→ Dedicated BNPL operator as CEO instead of a finance-focused leader.

2️⃣ Larger TTV Target – Doubling from $500M → $1B
→ More aggressive expansion strategy for higher revenue potential.

3️⃣ Multi-Segment BNPL Approach for Stability & Growth
→ Retail BNPL, Essential BNPL, and B2B BNPL create a diversified model.

4️⃣ Bigger Partnerships with National Retailers
→ Locking in exclusive BNPL deals will accelerate TTV growth.

5️⃣ Higher Share Price Potential with Strong Execution
→ If milestones are met, $0.20+ per share is a realistic target by 2027.

Final Thoughts: A New Era for Ovanti’s BNPL Future

The shift in strategy, leadership, and execution focus positions Ovanti for a serious push into the U.S. BNPL space.

Instead of a slow and cautious rollout, the company is now prioritizing:
✅ Speed to market with an aggressive expansion plan.
✅ Broader BNPL offerings for both consumers and businesses.
✅ Larger merchant acquisitions to drive rapid TTV growth.

This sets up Ovanti for a breakout moment in the BNPL industry—one where it can capture market share, generate sustained revenue, and create strong investor returns over the next 3 years.

Disclaimer:

This plan is purely hypothetical and was produced using all publicly known information and AI-driven analysis. It does not constitute financial advice or an official forecast from Ovanti Limited. All projections are speculative and based on assumptions about market trends, execution capabilities, and strategic decisions. Investors should conduct their own due diligence before making any investment decisions.