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PANA FINANCE — URGENT ACTION PLAN
March 2026 | v2 — Updated with upcoming launches | Confidential
Set Name
Not synced
SHIPPING SOON — Context for this plan
Visa Direct push-to-card — users can receive funds directly onto Pana card balance (kills the #1 decline reason)
Incentives + referral program — launching together with Visa Direct (sequencing risk reduced)
Bridge on/off ramp MX + other countries — reduces Cobre MX urgency; prioritize Cobre for Colombia FX margin
Apple Pay / Google Pay already live (manual linking) — physical cards shipping soon for push provisioning + higher spend
SITUATION: Quick Ratio 0.38 (target >1.0). 1,988 users churned in March vs 760 gained.
KYC losing 55% of signups before they ever reach the improved product. Fix the front door — everything else you are shipping is downstream of getting users through KYC.