·ispalis· la véritable épargne liquide / the real liquid savings

Invest in · ispalis · the 1st responsible and solidary platform for wines and spirits

How to diversify your savings in 2023 ?

With ·ispalis· we meet the needs of savers who are anxious about the financial markets, lost in the complex, volatile and uncertain world of cryptocurrencies and NFTs or who want accessible savings.

Our innovation consists of offering a BSP, a Bottle Savings Plan!

For this, ispalis helps professionals to diversify their clients’ savings in wines and spirits.

After launching a prototype in 2023 with our first partner, a collective circle of 247 winegrowers who passionately cultivate 2,100 hectares in Roussillon, we validated the approach with a few individual customers.

Our first fundraiser !

With initial financial assistance from bpifrance (Bourse French Tech) we launched our project.

We now wish to raise at least €40,000 to finance our development and be approved by the AMF, the “Autorité des Marchés Financiers” in France.

3 reasons to invest in ispalis:

• Invest in an impact project: our business model is based on sharing the added value between the saver and the producers (the region) during the resale of bottles;
• Follow a dynamic team: it puts all its creativity and innovations at the service of its customers, partners and investors;
• Receive royalties in relation to our financial forecast: if it is verified, you will triple your bet over 5 years.

Return on investment

In exchange for your investment, you receive a quarterly share of ispalis’ turnover for 5 years.

Your share will be proportional to your investment. All investors will receive 5% of the turnover for €110,000 invested.

Details of financing needs

STRUCTURE

·ispalis· is a SAS, simplified joint stock company, created in 2022 with variable share capital of €9,500.

It is represented by Jean-François KILIAN and Sébastien MOITEL who hold 90% of the company’s shares.

The mission of ispalis is to offer an accessible and responsible savings platform through wines and spirits. We want to become the trusted company that democratizes savings with innovative products by their nature and their technologies.

Our values ​​are:

·ispalis· has initiated a “360° Aim” diagnosis (Systemic Vision And Externalities from the Public Interest Grouping Resource Center for Sustainable Development – Cerdd – which equips and supports actors in the Hauts-de-France region towards new models of society and encourages them to contribute to economic, social and ecological transitions in the territories) making it possible to verify :

1. The impacts of its projects: to build solutions that meet the challenges of our time and the Sustainable Development Goals (SDGs),
2. Identify its externalities: to identify positive and negative externalities and ensure that the pursuit of an SDG does not harm others,
3. Identify the actors concerned: identify the resources, actors and partners concerned by the project, in particular with the winegrower or cooperative partners that have been certified or are in the process.

The key success factors identified for ispalis are based on its ability to stand out in a constrained environment. In particular, obtaining one or more AMF approvals to market investment offers in “miscellaneous assets” is a key element. Similarly, the proposal of winegrower or cooperative partners who are in tune with ·ispalis· (sustainable approach, values, co-production and cooperation) is a key success factor.

Finally, the actions implemented to make ispalis stand out on the market can also be cited. They relate in particular to :

• Its ability to acquire and retain a clientele of individuals, then professionals,
• Its innovation and mastery of digital,
• The generalization of its ·ispalis· brand platform,
• Its sustainable and eco-designed offers,
• Its involvement in diversity and inclusion for its growth

It is planned to hire 15 people on permanent contracts by 2027 at ·ispalis·

·ispalis· applies the “sustainable mobility package” in its daily operation. ispalis therefore reimburses 75% of the cost of the subscription to public transport (metro, train, tram, public bicycle rental services) to its employees, i.e. + 25% compared to the compulsory legal rate, set at 50%.

Finally, the ispalis policy has been formalized in an Employee Code of Conduct. This outlines our expectations for how employees behave towards their colleagues, supervisors and the organization as a whole. We promote freedom of expression and open communication. But we expect all employees to adhere to our code of conduct. This policy applies to all of our employees, regardless of employment contract or rank.

In summary, we expect ispalis employees to contribute to our work environment as we envision it: well organized, respectful and collaborative. We do not tolerate anyone intimidating, harassing or humiliating their colleagues. We also prohibit discrimination based on age, sexual orientation, gender, ethnic origin, religion or disability.

ispalis develops a digital and agile tool to invest independently in wines and spirits

Our brand identity

From direct (investment in wine) and indirect (investment in general) competition, we have seen graphic identities that do not or very little show the product. In a process of differentiation, ispalis wishes to represent the object of the investment in its logo.

Representing this bottle and integrating it into the brand name helps to anchor this notion of tangible good that any investor can obtain and just as well consume in a pleasure approach if he wishes.

The axis of minimalism makes it possible to image the ease and the seriousness of the investment, without frills. Moreover, the strength of this logo lies in its declination as a marker allowing visual evangelization that is easier to remember (awareness of the nature of the offer and its value).

MARKET, CUSTOMERS & POSITIONING

The evolution of the Equity markets and the news relating to crypto-investments have raised awareness of a major risk, that of having difficulty diversifying one’s savings in a Volatile, Uncertain, Complex and Ambiguous world.

It is therefore necessary to implement a product policy that incorporates this new dimension, based on tangible assets, intended for our privileged targets, which are:

• Investment professionals,
• Individuals who are technophiles or oenophiles.

Their needs

We are in the presence of informed consumers, who have a different approach to the act of saving. They need to associate a notion of meaning with their investment (meaning in relation to society).

The development of ethical products, associated with a socially responsible company like ·ispalis·, whose purpose is social and environmental in addition to profit, is fundamental.

Uses

The explosion of mobile media has also affected the savings sector. Our targets are very open to mobile applications for remote cellar management or investment portfolio monitoring.

The solution we offer

We have imagined a complete range of products in order to offer real liquid savings.

Any offer to invest in various assets must be registered with the AMF (the “Autorité des Marchés Financiers”). This is why ·ispalis· is initially developing a remote Cellar activity “Cellar as a Service”, a simpler activity that allows it to approach customers and end users.

At the same time, the approval procedures for the realization of the ·ispalis· offer with Investment Professionals will be carried out. This allows us to be perfectly adapted to the regulations and to specify the economic model during this first year of activity of ispalis.

This range is thus composed of :

• ·ispalis· One: save and have fun by owning wines and spirits through a remote Cellar (Cellar as a Service – CaaS),
• ·ispalis· Pro: present, as a Wealth Management Advisor, a savings offer based on wines and spirits,
• ·ispalis· Business: to offer, as a financial adviser or account manager, a broader offer, in the image of its establishment, and to help its customers to diversify their savings into tangible assets.

Our positioning

The characteristics of the offer for the customer.

• ·ispalis· is a digital platform for building a remote cellar and saving in bottles of wine and spirits.

The benefits for the customer

• No stock at home or in a third place,
• An educational platform made available to support the user in his liquid savings experience and enable him to anticipate future developments,
• Securing investments through the use of Blockchain technology.

Marketing Strategy

Why ispalis now and why in France?

·ispalis· accesses the French market taking into account the regulations and their evolution for innovative projects in the field of #FinTech financial services.

The evolution of this regulation, aimed at stopping illicit flows in the European Union, is an element that will support our approach based on technology and compliance with the regulatory framework.

The Sustainable Development Goals have been integrated into the start-up of ·ispalis· so that they are better taken into account (co-production, cooperation with stakeholders, partnerships for the achievement of goals; identification of externalities, footprint carbon for responsible consumption and production, for example). They are reflected in the value proposition and in the innovative economic model of ·ispalis· at the service of the local economy.

Finally, Vinovest has proven in the United States that technology can democratize almost all aspects of the wine and spirits industry, in particular by relying on the essential characteristics for assessing the value of a bottle: storage correct for several years, a price history, the reputation of the partner or its labeling.

Lead generation

The implementation of a Growth Hacking strategy is preferred to achieve growth in the Individuals market (BtoC) with the Cellar as a Service- CaaS offer from ·ispalis·.

The objective is to obtain maximum results with a minimum of means, a culture oriented ROI (Return on Investment) and rapid results.

We will carry out rapid actions with short cycles (iterations) in order to quickly test, verify the operation, analyze the ROI and make decisions on rational facts and not on intuition.

For the approach to the Investment Professionals market (BtoB: Wealth Management Advisors, Banks, Insurance), we will use the original methodology of Soft Hacking. This approach makes it possible to develop sales within the framework of the ethical mission of ·ispalis·.

It is based on 3 pillars:

• The development of notoriety with Inbound Marketing techniques: provide proof of the expertise of ·ispalis· and be recognized,
• Prospecting with Outbound Marketing: building a system to develop the business portfolio,
• Growth Hacking Test & Learn: permanent audit of activity and use of automation, tracking and scraping tools.

Innovative character of the project

Real responsible and solidarity-based liquid savings!

A responsible and united positioning carried by an innovative project on its service-based approach and its technological support.

• Available savings stored at source, at the winemaker. Our partner winegrowers ensure quality monitoring of the bottles stored and identified in their cellar, guaranteeing the storage conditions.
• A sharing of the added value realized between the saver and the winegrower: a distribution of the profits between the producers and the savers.
• An automated and decentralized relationship between the winegrower and the saver: the support of Blockchain technology will provide the follow-up of the transactions carried out and will allow the implementation of the contractual terms between the partners involved. Web3 technologies will make it possible to directly enhance tangible assets by associating them with their digital twin via an NFT.
• Investors manage their cellars and the valuation of their bottles by providing detailed information on the terroirs, the wine market, climatic changes within a dashboard that will be made available to customers of ispalis

DEVELOPMENT

The innovative business model of ·ispalis· aims to base the company’s profitability on intangible resources (data, skills, trust, relevance) by selling a global solution to its targets.

The choice of storage at source directly at the winegrower or at the cooperative is an example of the positioning of ispalis to limit the carbon footprint.

But also the desire to disconnect ·ispalis· from speculation, which exists on these assets, by sharing the added value achieved between the winegrower who is at the start of the value chain and the saver, the customer, the end user who takes the risk.

ROADMAP

·ispalis· has been strengthened by involving a resource dedicated to the regulatory part (Chief Legal Officer) in order to monitor this project. We first validated the possibility of launching our CaaS activity without the need for an authorization and we are discussing with the AMF (Financial Markets Authority) and the ACPR (Risk Prevention Control Authority) on the terms to obtain the necessary approvals for the responsible and solidarity-based savings activity.

At the same time, a resource dedicated to marketing and commercial development has joined us and it also supports winegrower sourcing activities.

Finally, ·ispalis·, which recruited its first employee, a work-study communications and social media officer and a development intern, in December 2022, is also supported by other interns and Brand Ambassadors.

HISTORY

A hint of friendship, years of experience and a shared passion are at the origin of the birth of ·ispalis·

·ispalis· is above all a story of encounters: that of Jean-François Kilian, CEO and co-founder, and Sébastien Moitel, CTO and co-founder. With 30 years of experience in their respective fields and commonly sharing a passion for wines and spirits, they have decided to combine their knowledge and know-how to make investing in wine accessible to everyone. Starting from a simple observation, the savings solutions offered in banks are not diversified, Jean-François Kilian decides to think about an accessible, original, pleasant savings solution and takes Sébastien Moitel on board with him.

Strong values : transparency !

·ispalis· incorporates a veil of transparency into its DNA. The two founding friends want to share the whole process in order to build lasting knowledge about their company. This transparency is reflected in the management of their winegrower and financial partners, as well as in the breakdown of their offer. Throughout their journey with ispalis, the saver will then be reassured and safe.

Incubated within 1Kubator in Lille in April 2022, the start-up was born and officially launched in September 2022.

On December 5, 2022, ispalis won the Startup IotWeek prize awarded by Euratechnologies

On March 28, 2023 ·ispalis· joins the new class of Euratechnologies and starts the incubation program in the FinTech/InsurTech vertical!

🚀 The ·ispalis· adventure continues !

The project evaluation and investment statistics

Investments

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