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Pre-IPO · Secondaries Series 2026

Cometum
Stripe Bond
Invest before the IPO.

Structured secondary-market access to Stripe — the world's leading programmable financial services platform, processing approximately 1.6% of global GDP. Exclusively for professional investors.

German SecurityISIN / WKNMin. €5,000From 15.06.2026

The bonds offered are an entrepreneurial investment with risks. In principle, a total loss of the invested capital cannot be ruled out.

€50m
Bond volume, with extension option
3 + 2 years
Term plus extension option
€1,000
Denomination per bond
IPO / Secondary
Clear exit strategies
Company Overview

The world's leading programmable financial services platform

Stripe processes approximately 1.6% of global GDP through its payment infrastructure. In 2025, businesses on Stripe generated USD 1.9 trillion in total payment volume (+34% YoY), and Stripe served more than 5 million customers — including 50% of the Fortune 100, 90% of the Dow Jones Industrial Average, 80% of the Nasdaq 100, and 78% of the Forbes AI 50, among them OpenAI, Anthropic, Microsoft, NVIDIA, Amazon, Shopify, and Apple.

Unlike most pre-IPO tech companies, Stripe is robustly profitable, with approximately USD 2.2 billion in free cash flow and ~USD 5.1 billion in net revenue in 2024 (+28% YoY). With four major acquisitions executed in twelve months (Bridge, Privy, Orum, Metronome), Stripe is rapidly expanding from payments into stablecoins, AI agentic commerce, and usage-based billing for the AI economy — on track for a USD 1 billion ARR Revenue Suite in 2026.

In the long term, Stripe aims to become the financial operating system of the internet, extending its core payments business into AI commerce, stablecoin payments, embedded finance, usage-based billing, and global treasury management. The company's valuation has scaled from USD 50 billion (Series I, March 2023) to USD 159 billion at its February 2026 tender offer, with current secondary-market activity reportedly showing trading between USD 170 and 210 billion.

~1.6% of global GDP processedUSD 1.9T TPV in 2025USD 2.2B free cash flow
HeadquartersSan Francisco, USA + Dublin, Ireland (dual HQ)
Founded / Employees2010 / ~10,000 employees
IndustryFinancial Technology – Programmable Financial Services & Global Payment Infrastructure
Core ProductsPayments, Connect, Revenue Suite (Billing, Invoicing, Tax, Metronome), Capital, Atlas, Issuing, Treasury, Terminal, Radar, Link (checkout wallet, 200M+ users), Bridge (stablecoins), Privy (wallets), Tempo (Layer-1 blockchain), Agentic Commerce Protocol
LeadershipPatrick Collison (Co-Founder & CEO), John Collison (Co-Founder & President)
Selected InvestorsSequoia, Founders Fund, American Express, Visa, Alphabet, Tiger Global, Y Combinator, Khosla Ventures, Allianz X, Baillie Gifford, Fidelity, T. Rowe Price, Temasek, Capital Group, Silver Lake Partners
Selected CustomersShopify, BMW, Airbnb, OpenAI, Microsoft, Booking.com, Spotify, Uber, Amazon, Slack
Valuation Development

Up 74% in twelve months —
and re-rating on the secondary market

Stripe's most recent tender offer (February 2026) valued the company at USD 159 billion — up 74% from USD 91.5 billion twelve months earlier. On the secondary market, activity reportedly shows trading between USD 170 and 210 billion; the secondary price as of June 2026 was at an implied valuation of USD 176 billion (without costs).

$200B$150B$100B$50B$0B~$1.75B$9.2B$35B$36B$95B$50B$65B$91.5B$106.7B$159B~$176BSeries C · 2014Series D · 2016Series E · 2019Series G · 2020Series H · 2021Series I · 2023Tender · Feb 2024Tender · Feb 2025Buyback · Sep 2025Tender · Feb 2026Secondary · Jun 2026

Solid line = primary funding rounds and tender offers (post-money / tender mark). Open point = secondary-market indication. Source: Cometum analysis based on public data and market research (CNBC, TechCrunch, Reuters, TSG Invest, Sacra, Forge Global, Stripe annual letters). All valuation figures are indicative. Secondary-market valuations represent observed tender-offer transactions and do not necessarily reflect Cometum's entry price.

February 2026 · Tender Offer
USD 159B valuation — up 74% in twelve months
Led by Thrive Capital, Coatue, Andreessen Horowitz; Stripe itself repurchasing shares
June 2026 · Secondary Indication
Implied valuation of USD 176B (without costs)
~31x trailing revenue multiple on 2024 net revenue of ~USD 5.1B
2026 · Secondary Market Activity
Trading reportedly between USD 170–210B
Driven by profitable hyper-scaling, stablecoin acquisitions, AI commerce leadership, and structural secondary-market demand
Ownership Structure

A clear path from your investment
to Stripe shares

Step 1
Investors
Step 2
Cometum's SPV
Step 3
External SPVs
Underlying
Stripe Shares
1

Investors purchase the Cometum Bond — a German security with €1,000 denomination and €5,000 minimum subscription.

2

Cometum's SPV participates in one or more special purpose vehicles.

3

These special purpose vehicles are directly or indirectly holding the shares of Stripe Inc.

Assessment

Opportunities & Risks

Opportunities

  • Profitable hyper-scale: USD 1.9 trillion 2025 TPV (+34% YoY), USD 5.1B 2024 net revenue (+28% YoY), USD 2.2B free cash flow, "robustly profitable" — rare among pre-IPO fintechs.
  • AI commerce category leadership: 78% of Forbes AI 50 build on Stripe; Agentic Commerce Protocol with OpenAI live in ChatGPT and Microsoft Copilot; Metronome acquisition captures AI usage-based billing.
  • Stablecoin moat: Bridge volume quadrupled in 2025; industry-wide stablecoin volume doubled to USD 400B (60% B2B); Open Issuance enables enterprise stablecoin launches.
  • Revenue Suite USD 1B ARR target: Billing, Invoicing, Tax, Metronome — high-margin recurring software stack on track for USD 1B ARR in 2026.
  • Tempo Layer-1 blockchain: Co-incubated with Paradigm at USD 5B valuation; design partners include Visa, Shopify, Klarna, Nubank, Deutsche Bank.
  • Tier-1 investor consortium: Thrive Capital, Coatue, a16z, GIC, Goldman Sachs, Founders Fund, Sequoia — strongest possible signaling for pre-IPO positioning.
  • International tailwind: 5/6 new internet users from emerging markets; 57% of new 2025 Stripe customers based outside the U.S.
  • Strategic exit optionality: Tender offers provide steady liquidity; eventual IPO would likely rank among the largest fintech debuts in history.

Risks

  • Private-public valuation gap: USD 159 billion private mark sits well above public payment peers; PayPal, Block, and Affirm have de-rated meaningfully; a public IPO could test the private valuation downward.
  • No imminent IPO catalyst: Collison brothers explicitly stated "no near-term IPO plans" (February 2026); tender offers may be the primary liquidity mechanism for the foreseeable future.
  • Competition: Public — PayPal, Block, Shopify, Affirm, Global Payments. Private — Adyen (largest enterprise rival), Checkout.com. Stablecoin-native — Tempo, Circle, native crypto rails.
  • Bank partner dependency: Stripe relies on Wells Fargo, Cross River, Evolve, and Lead Bank for BaaS infrastructure; regulatory pressure on partner banks could impact operations.
  • No consumer-side network: Unlike PayPal/Venmo or Block/Cash App, Stripe operates only B2B — limits closed-loop network effects.
  • Stablecoin & crypto regulation: Bridge, Open Issuance, Tempo all exposed to evolving global crypto regulation (EU MiCA, U.S. stablecoin legislation).
  • Acquisition execution risk: Four major acquisitions in 12 months (Bridge, Privy, Orum, Metronome) create integration complexity.
  • Valuation execution risk: 74% valuation step-up in 12 months; sensitive to fintech-sector sentiment and public-market re-rating.
  • Structural & FX risk: Indirect exposure via structured bond; USD currency risk; total loss possible.
The Cometum Bond at a Glance

Clear terms. Clear exit strategies
via IPO or the secondary market.

Bond

Subordinated bearer bond providing structured participation in the value development of Stripe — issued as a German security.

Cometum Fees
5.5%Entry Fee
5.0%Equity Option Fee
IssuerCometum Direct Invest GmbH & Co. KG
Type of InvestmentBond
Issuance VolumeUp to €50m with possible extension
Term3 years, plus extension option of up to 2 years
CouponVariable, payable at maturity
Bond StatusSubordinated, unsecured
Denomination€1,000
Minimum Subscription€5,000
Offer PeriodFrom 15.06.2026
Management Team

Capital markets expertise,
built for private markets

CEO & Founder

Sascha Miller

Lawyer specialized in banking and capital markets law. Previously Ashurst LLP and CACEIS Bank.

sascha.miller@cometum.com
CIO & Founder

Uwe Passmann

Specialist in Wealth Management & B2B Sales. Previously Scalable Capital and Reimann Investors.

uwe.passmann@cometum.com

Request access to the Stripe Bond

Available exclusively to professional clients as defined by MiFID II. Contact our team to receive the offering documents, terms and conditions, and the full risk notice.

Only the information provided in the issuer's offering documents is decisive for the assessment of the bond.
Contact the Team

Risk Notice

This product is intended exclusively for professional clients as defined by MiFID II. Buyers of a bond assume a significant risk, which can lead to the complete loss of the invested capital. The information provided here is non-binding promotional material and, in its nature and form, expressly does not constitute financial or any other investment advice. The information mentioned in no way replaces investment advice tailored to the investor's circumstances. The issuer expressly points out the following facts: Only the information provided in the issuer's offering documents (Cometum Direct Invest GmbH & Co. KG), i.e., the terms and conditions of the bond and the risk notice, are decisive for the assessment of the bond. None of the information constitutes an invitation to submit an offer to purchase, nor is it an offer to subscribe to or buy the issuer's bond. Cometum is not a bank, but solely an issuer and product provider for exclusive private markets products. This investment does not involve the direct acquisition of Stripe shares by the investor, but rather a structured participation that allows participation in the value development of Stripe. The information regarding the current valuation of Stripe serves informational purposes only. The valuation at which structured participation in Stripe takes place may differ from the current market valuation. It does not indicate an indicative entry price from Cometum. The company operates in a highly competitive market environment characterized by regulatory developments and geopolitical uncertainties. The strategic focus is on technology-oriented clients who require innovative solutions and high adaptability. Cometum participates directly or indirectly through one or more investments in special purpose vehicles, which in turn are directly involved with Stripe. The Stripe bond is therefore an entrepreneurial investment with risks. In principle, a total loss of the invested capital cannot be ruled out. The shares of Stripe Inc. are quoted in the foreign currency US Dollar ("USD"). Therefore, in addition to customary market price fluctuations, they are also subject to exchange rate risk. Changes in the exchange rate between the euro and the USD can affect the performance and the euro-denominated return of the investment both positively and negatively. An appreciation of the euro against the USD may lead to losses, even if the price of Stripe shares in their home currency, USD, has risen. Additional fees may apply at underlying participation levels (management fees, performance fees, exit fees, fees in connection with an IPO). The exact number of Stripe shares outstanding is not necessarily publicly known or fixed at the time of investment. Stripe may issue additional shares — for example in connection with its IPO, the financing of an acquisition, further financing rounds, or employee participation programmes. Such issuances dilute existing holders: the total number of shares increases, and the proportion of the company attributable to each existing share decreases accordingly. As a result, the valuation at which the structured participation was entered may, in retrospect, prove higher relative to the effective per-share basis and may change to the investor's disadvantage. In particular, the total valuation of the company may increase while the value attributable to an individual share — and therefore to the investor's participation — does not increase to the same extent, or may even decline. The headline valuation figures stated in this material are therefore not a reliable indicator of the value development of the investor's participation, which depends on the per-share value at the relevant point in time. This presentation is a non-binding offer (invitatio ad offerendum) and is for informational purposes only.