5-Year Revenue Forecast
Three institutional revenue streams - payment integrity fees, BID API, and enterprise subscriptions - driving $10M (2026) to $331.8M (2030). ~82% gross margin with EBITDA turning positive in 2027.
Every revenue stream maps to one or more settlement integrity pillars - aligning infrastructure value with monetization.
Framework link: Each revenue bucket traces to quantified institutional pain. See the Settlement Integrity Framework for the full six-pillar breakdown.
*Token/strategic revenue documented at getjil.com. <3% of cumulative 5-year thesis.
First enterprise clients
Recurring revenue ramps
Payment integrity volume accelerates
BID API fees surge
BID API at scale
Over 5 years: $530.4M in total revenue across three institutional streams plus token/strategic*. Enterprise subscriptions lead at $213.9M (40%), followed by payment integrity fees at $169.5M (32%), BID API at $131M (25%), and token/strategic at $16M (3%). Revenue mix shifts from token-weighted (2026) to enterprise-dominant (2030) as the platform matures. *Token/strategic revenue documented at getjil.com.
| Scenario | 2026 | 2027 | 2028 | 2029 | 2030 | 5-Yr Total |
|---|---|---|---|---|---|---|
| Low (60%) Conservative adoption |
$6M | $5.3M | $25.7M | $82.1M | $199.1M | $318.2M |
| Base Expected trajectory |
$10M | $8.9M | $42.9M | $136.8M | $331.8M | $530.4M |
| High (150%) Accelerated enterprise |
$15M | $13.4M | $64.4M | $205.2M | $497.7M | $795.7M |
Low scenario (60% of base): assumes slower enterprise sales cycles, delayed retail adoption, and conservative per-event volume. High scenario (150% of base): assumes accelerated enterprise adoption driven by regulatory tailwinds, faster retail onboarding, and higher per-event transaction volumes from institutional clients.
EBITDA margin expands from -20% in 2026 (investment phase with team buildout and infrastructure spend) to 52% by 2030 as enterprise subscription revenue scales with largely fixed infrastructure costs. The ~82% gross margin provides strong operating leverage - each incremental dollar of revenue drops significant margin to the bottom line.
Token sales and strategic placements documented at getjil.com. Dominant in 2026 ($5M, 50% of revenue) as the primary launch funding mechanism, then declining to $1M in 2027 as recurring revenue takes over. Residual strategic placements of $2-5M annually from 2028-2030. <3% of cumulative 5-year thesis. Token economics at getjil.com.
Healthcare PI: an ROI-based fee plus a floor license. Settlement corridors are a separate rail. Customer keeps recoveries. PI is priced against measured recovered and protected value.
Historical payment file reconstruction through the same verification engine. Starting at minimal OPEX in basis points per record, scope and volume priced per engagement; an Outcome-Indexed alternative bills minimal OPEX in basis points per attested record. 100 million records in 10 to 20 minutes. Post-quantum cryptographically sealed findings - suitable for regulatory referral, court proceedings, and False Claims Act filings. JIL never takes contingency on recovered funds - the client uses the sealed evidence to pursue recovery through their own counsel, SIU, or regulator referral.
Full-stack identity verification API - 12 endpoints covering beneficiary binding, phone, email, address, personal identity, and company checks. Banks pay $0.12-$0.50 per check blended, tiered by engagement. BID is the entry point that gets banks onto JIL before they adopt full settlement infrastructure. Identity check suite (phone/email/address at $0.03-$0.10, person at $0.20-$0.75, company at $1.50-$5.00) drives higher revenue per client than binding verification alone. Projected ramp: $0.5M (2026), $3M (2027), $12M (2028), $28M (2029), $45M (2030). 96% gross margin on commodity checks (phone/email/address), 85% on person checks, 70% on company checks. Learn more about BID