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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 DE000A4AVXR2 · WKN A4AVXRMin. €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.

USD 209.2B
Entry valuation cap (non-binding)*
110 shares
Attributed per €10,000 (indicative, at the cap)
€1,000
Denomination per bond
3 + 2 years
Term plus extension option

* Pre-IPO markets move fast, and exact prices are confirmed only at the time of the trade. That's why every order includes a protective buffer – so your execution stays smooth and reliable even when the market shifts. In practice, we usually execute at around the current secondary market valuation, well below the cap. The cap is your ceiling, not your price: by placing an order, you consent to execution at any level up to it.

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 an indicative cap on the entry valuation

Stripe's February 2026 tender offer valued the company at USD 159 billion, up 74% in twelve months; the June 2026 secondary indication was USD 176 billion. The dashed line marks Cometum's indicative entry valuation cap.

$250B$187.5B$125B$62.5B$0BCometum cap · USD 209.2B (indicative)~$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 = funding rounds and tender offers (post-money / tender mark). Open point = secondary-market indication. Dashed line = Cometum entry valuation cap (non-binding, indicative). Source: Cometum analysis based on public data (CNBC, Reuters, TechCrunch, Sacra, Forge Global, Stripe annual letters).

Bond Structure

How your investment participates economically in Stripe's value development — via a subordinated bond, without acquiring any shares.

Step 1
Investors
Step 2
Cometum's SPV
Step 3
External SPVs
Underlying
Economic participation via bond (no share ownership)
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

  • Qualified subordination & pre-insolvency enforcement bar: All claims under the bonds are subject to a qualified subordination (see Sec. 2.2 and 2.3 of the Terms & Conditions). Payments of interest and principal are excluded not only in insolvency proceedings, but already outside insolvency for as long as and to the extent that such payment would cause the Issuer's over-indebtedness or inability to pay. Payments may therefore be delayed, reduced or lost entirely, up to a total loss of the invested capital.
  • 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%Participation Fee

Cometum fees of 10.5 % are included in the nominal amount. Of each EUR 1,000 subscribed, EUR 895 is the investment amount that participates in Stripe at the indicative entry valuation cap; distribution partner costs of up to 10 % are reflected in the cap. No ongoing fees are charged by Cometum. Additional costs may apply at the level of the underlying investment vehicles.

IssuerCometum Direct Invest GmbH & Co. KG
ISIN / WKNDE000A4AVXR2 / A4AVXR
Entry valuation cap (non-binding)USD 209.2B (indicative)
Shares attributed per €1,00010.99 shares (indicative, at the cap)
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
Attributed Shares

How many Stripe shares
your investment represents

Choose a ticket size. Calculated at the indicative entry valuation cap.

Nominal amount€10,000
− Cometum fees 10.5 %−€1,050
= Investment amount€8,950 · USD 10,382
÷ Indicative strike per share at capUSD 94.51
Stripe shares economically attributed (indicative)
110
at the non-binding entry valuation cap of USD 209.2B
Indicative EUR/USD reference rate
1 EUR ≈ 1.16 USD (September 2026)

Economic participation via the bond, not legal ownership of shares. Indicative — actual entry valuation, exchange rate and number of attributed shares may differ; only the offering documents are decisive.

Offering Documents

The documents decisive for
the assessment of the bond

For professional clients as defined by MiFID II only. Only the information provided in the issuer's offering documents is decisive for the assessment of the bond.

Document

Terms and Conditions

The binding terms and conditions of the Cometum Stripe Bond (ISIN DE000A4AVXR2).

Status: June 2026

Download PDF
Document

Information for the Consumer

Statutory consumer information pursuant to Art. 246b EGBGB.

Status: June 2026

Download PDF
Document

Risk Warnings

The specific risks associated with the bonds of Cometum Direct Invest GmbH & Co. KG.

Status: June 2026

Download PDF
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.
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Risk Notice

This website is operated by Cometum Direct Invest GmbH & Co. KG (the Issuer). All contents of this website are contents of the Issuer and are the sole responsibility of the Issuer. 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. The cap represents the indicative, non-binding valuation at which the structured participation is intended to be entered. 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 does not constitute an offer. It is a non-binding invitation to professional clients to express interest (no offer). It is for informational purposes only.

Access Restriction

Professional Clients Only

The information on this website is directed exclusively at professional clients within the meaning of Annex II of Directive 2014/65/EU (MiFID II). It is not directed at retail clients. Please confirm your classification.

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