KROFIO

AI Tax Planning Platform

Product Deck — Full Concept, Market Analysis & Business Plan

Confidential | ADCX Lab Hub (JM1033406-H) | April 2026

CONFIDENTIAL — FOR INTERNAL DISCUSSION ONLY

1. The Problem

Business Owners Don't Plan Tax

1.2M+ SMEs in Malaysia. Most submit tax returns and hope for the best. Result: overpay, miss deductions, get penalized for wrong CP204 estimates.

Tax Planning is Expensive

Tax agents charge RM500 — RM5,000 per client for planning. Most SMEs can't afford professional tax advisory.

Tax Agents Spend Hours Per Client

Manually reading financial statements, checking Income Tax Act, calculating scenarios. 2-5 hours per client, every year.

No Malaysian AI Tool Exists

Global tools (Holistiplan, TurboTax) are US-focused. Zero tools built for Malaysian Income Tax Act 1967, capital allowances, or LHDN compliance.

2. The Solution

User inputs financial data (or connects from Dokuva) → Krofio AI generates a complete tax planning report in 30 seconds.

Tax Planning Report Output

1. Estimated Tax Payable

Current year estimate. SME rate (15% first RM150k) vs standard rate (24%). Comparison with prior year.

2. Tax Savings Identified

Capital allowance, reinvestment allowance, double deductions (training, R&D), pioneer status, zakat offset.

3. Action Items

"Buy equipment before Dec 31 → save RM9,600." "Revise CP204 → avoid 10% penalty." Specific, actionable.

4. Risk Flags

CP204 under-estimation penalty risk. Transfer pricing exposure. Audit triggers. Unusual expense ratios.

5. CP204/CP500 Estimate

Next year estimated tax installment. Monthly payment schedule. Avoid the 10% penalty.

6. Scenario Comparison

Do nothing vs recommended vs aggressive. Side-by-side tax impact for each strategy.

Example Output

Do Nothing

RM45,000

tax payable

Recommended

RM31,200

save RM13,800

Aggressive

RM24,600

save RM20,400

3. Market Opportunity

Global Tax Software Market

Market Size (2025)

USD 23.9B

Global tax management software

Projected (2033)

USD 55.6B

Growing at 11.3% CAGR

Malaysia SaaS (2024)

USD 1.01B

Projected USD 2.36B by 2030 (18% CAGR)

Malaysia Business Landscape

Registered SMEs

1.2M+

97.4% of all businesses

MIA Members

40,663

Chartered Accountants

Licensed Tax Agents

~11,000

Registered with LHDN

TAM / SAM / SOM

TAM

RM 840M

1.2M SMEs × RM700/year

SAM

RM 168M

~20% digitally ready

SOM (Year 1)

RM 1.5M

Conservative target

Growth Drivers

e-Invoice Mandate (LHDN)

All businesses required to comply 2025-2026. Drives digital adoption and tax tool awareness.

SME Digitalization Push

Government grants (MDEC, SME Corp) for digital tools. Budget incentives for tech adoption.

Rising Tax Complexity

Transfer pricing, e-Invoice, SST changes, new reliefs every Budget. Business owners can't keep up.

AI Adoption Wave

Malaysian businesses increasingly open to AI tools. Trust in AI growing rapidly.

4. Target Market

Primary: Malaysian Business Owners (B2C)

Segment	Size	Pain Point	Willingness to Pay
Micro enterprises (1-4 staff)	~800,000	No tax planning, overpay	RM49/report
Small enterprises (5-29 staff)	~350,000	Basic tax agent, no strategy	RM49-199/year
Medium enterprises (30-200 staff)	~50,000	Expensive advisors	RM199/year

Secondary: Tax Professionals (B2B)

Segment	Size	Pain Point	Willingness to Pay
Licensed tax agents	~11,000	2-5 hours per client	RM199-499/month
Accounting firms	~3,500	Scale advisory without hiring	RM499-999/month
MIA members (in practice)	~8,000	Add planning to services	RM199-499/month

5. Competitive Landscape

Zero direct competitors in Malaysia. No AI-powered tax planning tool exists for Malaysian Income Tax Act 1967. Krofio is first mover.

Competitor	Market	Price	Malaysian Tax?	AI Planning?
Holistiplan	US	USD 49-83/mo	No	Yes
RightCapital	US	USD 50-250/mo	No	Yes
CCH Axcess	US/Global	USD 300+/mo	No	Partial
SQL Account	Malaysia	RM888+	Filing only	No
AutoCount	Malaysia	RM960+	Filing only	No
Krofio	Malaysia	RM49-999	Yes — built for it	Yes

Competitive Advantage

First in Malaysia

No AI tax planning tool for Malaysian tax law. First mover.

Malaysian Tax Built-In

Income Tax Act 1967, all schedules, reliefs, incentives, LHDN rulings.

Affordable

RM49 per report vs RM500-5,000 from tax agent. 10-100x cheaper.

Instant

Report in 30 seconds vs 2-5 hours from human tax advisor.

Credibility

Built with Adi Iskandar Iliyas, CA(M) — Deputy Director Finance & IT at AIBIM, former Director Corporate Services at MPOC.

Proven Tech

Same AI infrastructure powering Dokuva (live product with real users). Battle-tested.

6. Pricing

Business Owner (B2C)

Plan	Price	What They Get
Free Estimate	RM0	1 basic tax estimate — lead magnet
Full Report	RM49 one-time	Complete tax planning report, savings strategies, action items, PDF download
Annual	RM199/year	Unlimited reports, quarterly updates, CP204 tracker

Tax Professional (B2B)

Plan	Price	What They Get
Pro	RM199/month	10 client reports/month
Firm	RM499/month	50 client reports/month
Enterprise	RM999/month	Unlimited reports + white-label branding

B2B value proposition: Tax agent charges client RM500-5,000 for planning. Pays Krofio RM199/month for 10 clients. Agent profit: RM4,800-49,800/month. ROI: 25-250x.

7. Revenue Projection

Year 1 (Conservative)

Segment	Users	ARPU	Monthly Revenue
B2C reports	200/month	RM49	RM9,800
B2C annual	100	RM17/month	RM1,700
B2B Pro	30	RM199	RM5,970
B2B Firm	10	RM499	RM4,990
B2B Enterprise	3	RM999	RM2,997
Total			RM25,457/month

Year 2 (Growth)

Segment	Users	ARPU	Monthly Revenue
B2C reports	800/month	RM49	RM39,200
B2C annual	400	RM17/month	RM6,800
B2B Pro	80	RM199	RM15,920
B2B Firm	25	RM499	RM12,475
B2B Enterprise	8	RM999	RM7,992
Total			RM82,387/month

8. Unit Economics

Cost per Report

~RM0.50

GPT API call

Gross Margin

99%

RM49 - RM0.50

Break-even

3/day

~90 reports/month

Metric	B2C Report	B2B Pro	B2B Enterprise
Price	RM49	RM199/mo	RM999/mo
CAC (est.)	RM10-30	RM100-300	RM500-1,000
LTV	RM49-147	RM2,388 (12mo)	RM11,988 (12mo)
LTV:CAC	5-15x	8-24x	12-24x

9. Cost Structure

Item	Monthly
Cloud infrastructure (AWS, AI)	RM200-500
Domain + hosting	RM20
Marketing (Phase 1)	RM500-1,000
Founder compensation	To be agreed
Total (excl. compensation)	RM720-1,520

95%+ margin at scale. Serverless architecture = pay only for what you use. No servers, no fixed infra cost.

10. Team

Adi Iskandar Iliyas, CA(M) — CEO

Chartered Accountant Malaysia
Deputy Director, Finance & IT — AIBIM
Director Corporate Services — MPOC
VP Finance — FOMEMA
Head of Finance — CGC Malaysia
Masters, UiTM Faculty of Accounting
"Tax Incentives for Green Industries" — Best Paper Award (FGIC 2019)

Yusri Adib — CTO

Founder, ADCX Lab Hub
Built Dokuva — AI Accounting platform (live, real users)
21 Lambda functions, 16 API routes, full SaaS
AWS + Azure OpenAI infrastructure
Full-stack: Python, serverless, AI/ML
Director, ORIDON LTD (UK fintech)

11. Development Roadmap

Phase	Timeline	Deliverables
MVP	Week 1-4	Landing page, register/login, tax questionnaire, AI report generation, PDF download
Launch	Month 2	Beta test 10 users, iterate, payment integration, go live
Professional	Month 3-4	Tax agent dashboard, multi-client, CP204 tracker, Dokuva integration
Scale	Month 5-12	Full ITA coverage, zakat, transfer pricing, white-label, mobile app

12. Go-to-Market Strategy

Phase 1: Launch (Month 1-3)

Channel	Target	Action
Facebook groups	SME owners, accountants	Free tax estimate as lead magnet
WhatsApp broadcast	CEO's network (AIBIM, MPOC, CGC)	Direct outreach to finance professionals
LinkedIn	Tax agents, CFOs	Content marketing + product demo
Referral	Early users	"Refer a friend, get free report"

Phase 2: Growth (Month 4-12)

Channel	Target	Action
Google Ads	"tax planning Malaysia"	Paid search, high-intent keywords
MIA/CTIM events	Accounting professionals	Sponsor/exhibit at conferences
Content/SEO	Business owners	"How to reduce tax legally" articles
Partnerships	Accounting firms	White-label or referral program

13. Risks & Mitigation

Risk	Impact	Mitigation
Tax advice regulation	High	Frame as "estimates" and "suggestions". Disclaimer on all reports. CEO is CA(M).
AI accuracy	High	CEO validates all tax logic. Human review before launch. "Consult your tax agent" disclaimer.
Tax law changes	Medium	Annual update after Budget. CEO monitors LHDN.
Low adoption	Medium	Free estimate as lead magnet. RM49 = low barrier.
Competitor entry	Low	First mover. Malaysian tax expertise = barrier to entry.

14. Next Steps

#	Action	Timeline
1	Finalise partnership terms	Week 1
2	Domain secured (krofio.com)	Done
3	Build MVP	Week 2-4
4	Beta test with 10 business owners	Month 2
5	Public launch	Month 2
6	First revenue target	Month 3