Read This First

Please read this deck carefully. It summarizes (1) your entry paths, (2) key terms, and (3) core risks—and those choices directly affect your rights and outcomes.

Lumi runs one loop: real pain → shipped outcomes → paid usage → cash flow.

This round is structured systematically across SAFE / Kickstarter (Perks) / Wefunder (Crowd SAFE) / SAFE-T (optional upside), so aligned backers can participate at different levels while we keep execution clean.

If you’re considering participating, please review this deck end-to-end. Any investment, if made, is governed only by the official offering documents and definitive agreements.

If you align, reply “20 min” and I’ll share the right entry path + next steps.

Why We Fundraise “Systematically”

Lumi is a consumer AI built for one job: solve real pain for everyday people.
When we truly reduce daily anxiety and decision friction, users pay—revenue and cash flow follow. That’s our business foundation.

So we treat fundraising the same way we build product: systematically.
We don’t bet the company on one institution or one financing path. We run a layered, open, durable structure that brings investors, users, and co-builders into one loop—so we can keep moving in any market cycle.

1) A structure with multiple on-ramps

Early momentum comes from aligned angels and early supporters.
And even without institutional capital, Lumi can still advance—because we’re solving a mass-market need that can be validated through paid usage.

Our fundraising stack:

Core Equity — SAFE (Primary)
For angels, micro-funds, family offices, select VCs, and aligned individuals—our equity foundation.
Crowdfunding (Access + Growth)
Kickstarter (Perks) + Wefunder (Equity SAFE) to dramatically lower the barrier to participate. Crowdfunding isn’t just capital—it’s customer acquisition, validation, and word-of-mouth acceleration.
Optional Upside — SAFE-T (Token Warrant)
An equity floor via SAFE, plus optional Web3 upside for long-term supporters.

Bottom line: we don’t care who you are—retail or institutional, local or global.
If you align with the mission, there’s an entry point.

2) Everyday perspective. Elite execution.

Consumer products die when they’re built from an ivory-tower worldview.
But they win only with elite execution.

We keep the perspective simple and human—plain language, real pain, real outcomes.
And we execute like professionals—product, data, business model, growth, delivery—end to end.

In the AI era, models will commoditize. The moat is systemization:
clear thinking + disciplined execution + deep empathy for everyday users.

3) Why crowdfunding is not optional

Our customers are global everyday people. They’re also our strongest early supporters.
Crowdfunding lets us:

bring in real users fast,
turn supporters into repeat customers and co-builders,
build a cash-flow narrative earlier—without relying on market hype.

Even if we raise institutional capital later, we still run crowdfunding—because it’s also a growth engine.

4) Multiple exit paths (built over time)

To protect and maximize investor value, we’re building a multi-path exit toolkit over time—designed to fit different market cycles and investor profiles, including: M&A, asset sales, structured returns, cash-flow distributions, and selective early liquidity structures (e.g., SPVs/sidecars) where appropriate.

One-line summary

Lumi ships decisions, not content.
We run one loop: real pain → paid usage → cash flow.
That’s why our fundraising is systematic: one core equity track + two global crowdfunding tracks + optional Web3 upside + diversified exit architecture—so mission-aligned backers can participate at every level, while we maintain clean, focused execution and long-term value delivery.

Part 1: Core Equity — SAFE

What A SAFE Is

A SAFE（Simple Agreement for Future Equity） is a simple agreement that lets you invest now and receive equity later—usually at a better price—when the company raises its next priced round.

You’re not picking an exact share price today.
You’re securing the right to convert into equity when there’s a real market price—with protection built in.

The key protection: the Valuation Cap

The Cap sets the maximum valuation used to calculate your conversion.
If the next round is priced higher than the Cap, you convert as if the company were valued at the Cap—so you get more equity for the same dollars.

Quick Example (why this matters)

You invest $100,000 on a SAFE with a $10M Cap.
Later, the company raises at a $20M valuation.
With the Cap, your conversion effectively uses $10M, not $20M.
That means your $100K buys about twice the ownership compared to investing at $20M.

Same money. More equity. That’s the early-backer advantage.

Why SAFEs are the global standard for early-stage rounds

Early-stage valuation is messy: price it too high and investors get punished; price it too low and the company gets punished.
A SAFE pushes pricing to the next round, reduces negotiation friction, and lets the team focus on building—while early supporters get clear, simple upside through the Cap.

Key Terms

Instrument: Post-Money SAFE (YC standard form)
Valuation Cap: $10M
Target / Max: $0.5M (Max ≤ $2M)

Note: See Appendix for disclosures and our execution de-risk plan.

Part 2: Crowdfunding (Perks) — Kickstarter

Upgrade Window: 30 days → one upgrade per backer; pay the difference; perks start when the higher tier activates.
Community Access: private Discord (announcements · votes · sprints · support) + quarterly build updates & Q&A.
Co-Building: quarterly product votes + limited Co-Build Sprints (small-group seats, first-come).
Important: perks only—no equity, no financial returns, no governance; “co-build seat” = product participation only. Note: Details in Appendix

Part 3: Crowdfunding (Equity) — Wefunder (Crowd SAFE)

The simplest way for everyday investors to own equity in Lumi—starting at $100.
Same company. Same SAFE structure. Just a lower barrier and a regulated U.S. platform.

What you’re investing in

Instrument: Post-Money Crowd SAFE (equity)
Minimum: $100
Discount: 10%
Raise target: $0.5M (max up to $1.2M)
MFN: No

Pricing (Early Bird vs. Regular)

Early Bird (first $50k): $10M valuation cap (best price)
Regular: $12M valuation cap

Plain-English takeaway: the first $50k gets the lower cap. After that, the round continues under the regular cap—same SAFE, same discount, same minimum.

Clean cap table (SPV structure)

To keep the company’s cap table clean, crowd investors participate through two SPVs:

Early Bird SPV
Regular SPV

So instead of hundreds of tiny lines on the cap table, the crowd round typically shows up as two clean entries.

Early Bird rule (to avoid confusion)

Early Bird is first-come, first-served based on confirmed investments after the round goes live. “Saving a spot” or expressing interest does not guarantee Early Bird allocation.

Quick-pick investment buttons

$100 / $250 / $1,000 / $2,500 / $5,000 / $10,000. Start with $100 to join. Invest more if you want deeper involvement and faster access to co-building.

Part 4: Optional Upside — SAFE-T (Token Warrant)

Most “AI + Token” projects die the same way: tiny usage, big valuation, zero cash flow. SAFE-T is our counter-move: downside protected, upside optional, execution clean.

What it is

A single agreement: you invest via a post-money SAFE today.
If a Token Generation Event (TGE) happens later, you also get a discounted token option.

No TGE? You still keep the SAFE.
Equity floor first. Token upside only if it actually happens.

How it works

Sign SAFE-T → Send crypto → If TGE, exercise the warrant → If not, keep the SAFE.
Payment accepted: USDC / USDT / ETH / BTC (USD price snapshot at receipt).

Key terms (at a glance)

SAFE (Equity) Valuation Cap: $10M
Token Warrant (only if TGE):
- Exercise price: 20% of TGE price (80% discount)
- Vesting: 10% at TGE → 6-month cliff → 24-month linear
- Expiry: No TGE within 18 months → warrant expires; SAFE remains
TGE definition: initiated by the project (or its designated entity)
TGE price: primary sale price at TGE (or specified 24h VWAP on the first listing venue)

Why it’s good

Simple (one agreement) · Secure (equity floor) · Upside (token option) · Clean ops (multisig + transparent reporting)

Token vs. Equity Outcome

Whether a TGE happens is a token-path decision, made through community governance under the rules in effect at that time—and only pursued if it’s legally and compliantly feasible.

Governance does not change the SAFE. The SAFE equity terms remain contractual and unchanged.

This Pre-Seed Is Built for Speed

We designed this round the same way we build product: systematic and execution-first.
This isn’t fundraising for fundraising—it’s a financing system that keeps Lumi moving in an uncertain market.

This Pre-Seed has one job: close SAFE or SAFE-T efficiently—so we can keep shipping, convert real demand into revenue, and build momentum without waiting for perfect market conditions.

We welcome aligned backers—individuals or institutions.
But we run this round with one operating principle: decision velocity.

What’s Next (Already Planned)

Once this round closes, we shift from “funding speed” to “funding scale”—we’ll fully launch our crowdfunding tracks and enter VC conversations.
This round is for shipping. The next round is for scale.

Why This Document Is Detailed

We made this document detailed by design—it’s not just for investors, but also the operational financing plan our team will execute in today’s market: high uncertainty, mixed investor appetite, and constant noise.
We’re building a company that can move forward in any cycle—with clear milestones, clear steps, and clear pathways for the next round.

If you align, we move quickly. If your process takes weeks, this likely isn’t the right round.

Choose Your Path — How to Back Lumi

Same mission. Four ways to join—pick the one that fits you.
(Minimums and terms shown are summary only; final terms are in the offering documents.)

1) Core Equity — SAFE (Primary)

Best for: Angels, early believers, larger checks
You get: Equity at a future priced round (with cap/discount)
Why this track: Clean, standard, founder-friendly, strongest alignment
Min: by request
CTA: Request SAFE docs / Schedule a call

2) Crowdfunding (Perks) — Kickstarter

Best for: Everyday supporters who want to join early + get perks
You get: Product perks / early access / founder-level benefits (no equity)
Why this track: Lowest friction; doubles as growth + validation
Min: $99
CTA: Back on Kickstarter

3) Crowdfunding（Equity） — Wefunder (Crowd SAFE)

Best for: Everyday investors who want real equity with low minimums
You get: Equity via Crowd SAFE
Why this track: Regulated U.S. platform, simple entry, clean cap table via SPV
Min: $100
Key terms snapshot: 10% discount · Early Bird cap $10M (first $50k) → Regular cap $12M
CTA: Invest on Wefunder

4) Optional Upside — SAFE-T (SAFE + Token Warrant)

Best for: Web3-aligned backers who want equity floor + token optionality
You get: SAFE equity floor + token warrant only if TGE happens
Why this track: Downside protected, upside optional, one agreement
Pay with: USDC / USDT / ETH / BTC
CTA: Request SAFE-T terms

Quick rule of thumb

Want the cleanest equity exposure? → SAFE

Want to support + get perks? → Kickstarter

Want equity starting small? → Wefunder

Want equity floor + optional Web3 upside? → SAFE-T

Appendix (Optional Reading)

1）Success isn’t luck — it’s a repeatable pattern

One of the clearest proof points on U.S. regulated equity crowdfunding is Sunstone Health on Wefunder: when an AI company targets a real everyday need, keeps the story clear, the terms transparent, and the entry low-friction, everyday investors show up with real capital.

In Sunstone’s case, the market validated the model through:

an $8.5M valuation that anchored expectations,
867+ accredited/eligible retail investors who proved that everyday people will pay for AI projects that solve real pain points, and
~$3.9M raised, proving “AI + essential need + compliant crowdfunding” can scale.

Why Lumi has equal — and arguably stronger — crowdfunding outcomes

A broader everyday “must-have”
Sunstone addresses a powerful healthcare need. Lumi targets something even more universal: daily decision stress in an information-saturated world—too much noise, unclear truth, high stakes, and high action costs.
We compress complexity into three outputs people can use immediately: what to trust, why, and what to do next—a value proposition that’s naturally easy to understand, share, and return to — built for mass adoption and repeat usage.
Compliance + low-friction participation (the trust engine)
Platforms like Wefunder provide a regulated framework and a trust baseline, with entry points that can be as low as $100. That turns “community” from a slogan into a real participation path—one that Lumi’s systematic design is built to fit.
Scarcity in the AI era: real consumer participation is rare
Most AI projects are either: high minimums, overly technical, B2B-only, or too far from everyday life. Lumi is rare because both the product and the funding design are built around ordinary people—so participants can be users, advocates, and co-builders, not just spectators.
A more grounded return logic (business-first, not hype-first)
Sunstone shows essential-need crowdfunding can work. Lumi goes one step further with a clearer business loop:
pain → delivered outcome → paid usage → cash flow.
And the overall structure is more complete: SAFE equity floor + crowdfunding as growth + optional SAFE-T upside.
Crowdfunding here isn’t only financing—it’s also customer acquisition and word-of-mouth, creating a positive loop: funding → users → growth.

Bottom line

Sunstone demonstrates a validated path: AI + essential need + compliant crowdfunding can work.
Lumi stands on that path with a more universal pain point, lower-friction participation, stronger co-building dynamics, and a clearer cash-flow loop—which stacks more of the “crowdfunding success conditions” in our favor, leading to a higher-than-average probability of crowdfunding success.

Note: Crowdfunding and equity investing involve risk, including loss of capital. This is not an offer or investment advice. Refer to official platform disclosures and offering documents.

2）Innovative Financing — SAFE-T (inspired by Cyclop’s thesis)

Crypto’s 2026 reset is simple: the next “100x” narrative isn’t hype—it’s real revenue + buybacks.
After two brutal years of losses, Cyclop’s point is that the opportunity didn’t disappear—the old playbook died, and a new path formed, with this being the best time to turn $10,000 into $1,000,000.

The shift: the market is done with “extraction layers”

For years the game looked like this: creators → VCs → KOLs → bots/traders → retail (last exit).
Too many projects raised at absurd valuations, launched at absurd FDVs, then delivered tiny usage and negligible revenue—while asking retail to be the final liquidity.

With token supply exploding and attention diluted, retail fears being the “last buyer,” and institutions fear assets with no floor. What survives cycles is useful, revenue-producing, durable value—closer to equity fundamentals than meme narratives.

The new preference: tokens must run like businesses

The market is increasingly rewarding assets with:

verifiable revenue,
clear value capture, and
credible buybacks/return mechanisms.

The logic is straightforward: For example, a protocol generating $800M annual revenue and allocating 50% to buybacks creates a clear floor for its asset value—cash flow becomes the anchor when sentiment turns fearful.

Why Lumi fits this cycle naturally

Lumi doesn’t bet on a bull market or a storyline. We build one loop:
everyday pain → shipped outcomes → users pay → cash flow.

People pay for certainty—fewer mistakes, faster correct decisions. Our revenue comes from real demand, not secondary-market momentum.

That’s also why Lumi’s Web3 layer is optional, not existential: incentives, distribution, co-building, reputation/credits—tools to scale what already works. The business can stand on its own. Token upside is additive, not required.

SAFE-T: equity floor + token ceiling

SAFE-T is designed for this environment: real business first, optional Web3 upside second.
It gives investors what they actually want right now—safety + flexibility:

Now: a SAFE (equity floor) — you’re backing a company that can earn revenue.
If TGE happens: a Token Warrant (80% discount, meaning exercise at 20% of TGE price) — upside exposure without having to bet that “a token must ship.”
If no TGE: the SAFE still stands — you don’t go to zero just because a token didn’t launch.

The point

In a cash-flow-driven market, SAFE-T is the cleanest bridge between Web2 fundamentals and Web3 upside:
don’t gamble on narratives—invest in something that ships, earns, and can last.

Equity floor to protect the downside. Token option to open the upside. One agreement, clean execution.
SAFE-T is designed for all aligned backers—no distinction between Web2 or Web3, individual or institutional—making it the most practical and imaginative entry path worldwide.

3）Risks & Disclosures

How It’s Offered

Any investment (e.g., a SAFE) is separate from Perks and made only through official offering documents, via a registered intermediary where required.
Review the documents before investing.

Risks & Disclosures

Not an offer / Not advice: This deck is just info—no investment, legal, or tax advice.
Documents control: official offering documents govern all terms and risks (e.g., Reg CF / Reg D in the U.S.).
Loss & illiquidity: early-stage investments are risky and illiquid; you could lose some or all of your money.
No performance promises: examples/projections are illustrative, not guarantees.
Forward-looking: plans and timelines may change.
Eligibility & limits: participation may be limited by jurisdiction and investor status.

How We De-Risk Execution

Data Access & Privacy

Public / opt-in feeds only. No shadow scraping. No creepy tracking.
Zero-knowledge ingest. Strip or hash any PII at the edge; minimize logs.
Kill-switch SLA: If a source’s rules change, we disable it within 24 hours.
GDPR/CCPA by design: Outside counsel review; a DPIA for every new feed.
User control: One-click delete/export; privacy status page & annual audit.

Tech Delivery

Timeboxed sprints, single owner per stream. Clear “definition of done.”
Staged rollouts (alpha → beta → GA) with rollback plan.
Reliability targets: Beta SLO 99.5%; incident response <1 hr.
If we slip: we flag red, publish new ETA & cut scope—then ship.

Market Fit

Weekly build–measure–learn loops. Pilots with parents, creators, small biz.
North stars: actions/user/week ≥ 3, 7-day retention trending ↑.
Kill rule: features with <20% 4-week repeat use get cut or reworked.
You steer: roadmap votes; feedback turns into the next sprint.

Competition

Speed + community moat: we ship what users vote for—fast.
Data network effects: more co-builders → better ranking models.
Open plugin lane: community data/plugins keep us a step ahead.
Defensive basics: trademark + light IP filings where novel.

Equity Fine Print：Not investment advice. Any investment is offered only via official offering documents; investing involves risk, including loss of all capital, and returns are not guaranteed.

4）Perks Program Details

Early Bird & Upgrades

Early Bird $299 ( First 72 Hours After Launch): +2 months Pro added to the $299 tier.
Upgrade Window (30 days): one upgrade per backer within 30 days; pay the difference to move up. Perks start on the higher tier’s activation date.

Community & Participation

Private Discord for Co-Builders (Announcements · Voting · Sprints · Support)
Product votes: at least once per quarter; standardized ballot (3 options, impact, ETA)
Co-Build Sprints: 3–6 per quarter · 60–90 minutes · 8–12 seats · first-come, limited
Quarterly build updates + community Q&A
Founders’ Wall: your name lives in-app forever—every user sees you helped build Lumi

What This Is

Program benefits only—no equity or financial returns. Perks may change; subject to terms and availability.
“Council/Co-Build Sprint Seat” refers to product co-build participation only; it does not confer corporate governance, shareholder rights, or equity.
Pro subscriptions included in tiers are non-transferable.
At least one product vote per quarter; cadence may increase as the community grows.

Co-Builder Promise

Not just funding—co-building：you’ll see what we see: monthly dashboards and plain-English updates.
If a milestone slips: you guide priorities through structured feedback and quarterly votes.
From day one：your votes, feedback, and ideas shape what ships next—you’re not a spectator; you influence priorities through structured feedback.

5) Our Starting Point (Business First)

One principle comes first: build a real business that solves real pain—and earns real money.

We don’t split people into “customers vs. investors vs. builders.”
At Lumi, the same person can be all three. But the order never changes:
solve the problem → ship outcomes → get paid → build cash flow.

What we optimize for

A profitable, durable business with cost discipline and a clear commercial loop
Execution over hype—results people can use, pay for, and come back to

How we plan to grow

We start with a proven Web2 foundation (paid demand + operational traction).
We keep optional expansion paths on the table—only when they strengthen distribution, incentives, or co-building, and only when they support long-term durability.

Our decision rule

Every strategic choice is measured against two outcomes:

Long-term durability of the company
Maximizing long-term investor value

We build a real business first—then scale what works.

CTA：Reply “20 min” — Issuer/Compliance · Steps/Closing · Use of Funds/Milestones · Best Entry Path.