Crowdfunding Campaign

Invest in Tomorrow's Unicorn!

An innovative Super Wallet with Mastercard, IBAN, cryptocurrency, and payments.

Pre-sale is live
$682,039 already raised of $1.5M.
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Share / Token price

The price of the share / token is 50% off during the Pre-Sale offering.

50% Off

Pre-sale discounted by 50%

Investment Amount

Buy UCSS with crypto, VISA/MC or bank transfer in Credits' app on Apple, Android or the Web.

For VC and Angel investors, there is the option to invest directly in the company. Min is $25,000.

$100 min

$15K for direct investment in shares

Secondary Market

You will be able to sell and buy UCSS tokens in 6 months on the exchanges: Ambisafe.com, Orderbook.io and on Credits' App (the listing is guaranteed).

In 6 months

100% confirmed listing on exchanges

A Super Wallet for Crypto Users.

Banking and cryptocurrency, all in one platform. It's the bank of the future.
All-in-one
Banking/Crypto
App
On/Off Ramp
gateway
Debit Cards
Lending and
Staking
Buy and Sell Stocks
Coming
Dedicated
IBANs
POS
crypto payment
processing for merchants
for goods and services
Our product is our passion.
Why invest in Credits?
Crypto's next big thing: payments. Invest in live and compliant project targeting leadership.
Fundraising for growth, not for development.

Use of funds: exclusively for scaling, customer acquisition.

Compliance and security are paramount.

Maintaining all compliance standards and requirements.

Unique Technological Platform.

Proprietary platform for diverse assets and operations.

Fast growing market at 50% per year.

Vast, fast-growing neobanking and digital asset markets.

Our Partners.
Strong support partnerships with industry leaders.
Mastercard
Debit Cards
Payments
HK UnionPay Cards
Accounts
Payments
Payments
Cryptoexchange
Tokenization
Cryptoexchange
Verification

We've launched debit cards in some countries and are expanding into new markets.

Europe
Mastercard, IBAN, payments, cryptocurrencies
In 31 EEA countries
Brazil
Launching
2024
Hong Kong
Launching UnionPay card
2024/25
Mexico
Launching VISA card
2024/25

Note: The figures are based on management's estimates and forecasts. Forecasts assume the closing date of the crowdfunding and venture capital investment transactions being in Q2-Q3 2024 and the corresponding financing for the implementation of the growth strategy.

Executive Team and Advisers

23 team members who are experienced professionals in the field of information technology and banking.
Igor Chugunov
CEO & Founder
Entrepreneur in the field of Fintech and IT startups for 15 years. Created and sold several projects.
...read more
Igor Chugunov

Entrepreneur in the field of Fintech and IT startups for 17 years.
Created and sold several projects.

Roman Rašimas
Chief Compliance Officer
As a compliance professional in the field of financial institutions and cryptocurrency projects.
...read more
Roman Rašimas

As a compliance professional in the field of financial institutions and cryptocurrency projects.

Andrey Kuznetsov
Chief Operating Officer
20 years of operational banking at "C level." 2 years as the Top at PaySend. Previously, he was the CEO of three banks. Andrey has excellent experience in managing the banks' operational processes.
...read more
Andrey Kuznetsov

20 years of operational banking at "C level."
2 years as the Top at PaySend.
Previously, he was the CEO of three banks.
Andrey has excellent experience in managing the banks' operational processes.

Artur Semenov
Co Founder, CTO
15 years in software development: A tech leader with expertise in software, technology, and security, and a solid grasp of payment and banking operations.
...read more
Artur Semenov

15 years in software development: A tech leader with expertise in software, technology, and security, and a solid grasp of payment and banking operations.

Joshua Oliver
Adviser in Compliance, AML, Regulation
20 years of experience as the Chief Compliance Officer in top banks.
...read more
Joshua Oliver

20 years of experience as the Chief Compliance Officer in top banks.

Former Head of Compliance of Metropolitan Commercial Bank (New York)

Former Director, Financial Crime Compliance of Standard Chartered Bank.

Kyle Hingher
Adviser in Cards and Compliance
Strategic Partnerships in card issuing and new payment innovation. Former Director of New Products at Metropolitan Commercial Bank (New York), including the role of Compliance Officer.
...read more
Kyle Hingher

Strategic Partnerships in card issuing and new payment innovation.

Former Director of New Products at Metropolitan Commercial Bank (New York), including the role of Compliance Officer.

Highlights.

As of March 2024, Credits is a fully operational and compliant neobank.

Proprietary processing, core banking IT platform developed from scratch.

Huge and fast growing market: The annual 50% CAGR till 2030 (neobanking and crypto).

First clients and first revenue. Scale up ready. Reached Product Market Fit.

Officially certified MasterCard card program. Over 10 top global partners.

23 Team Members: 10 on Tech Team, rest on Compliance, Operations, Marketing.

Raising funds for marketing, liquidity and support. No development, fully functional!

Apps available right now

Intuitive consumer user app interfaces.


Mobile apps

Web app

On/Off Ramp
Traction

Over 20 services are currently available, including Mastercard, dedicated IBAN, and topping up the card from crypto.

All products live and available on Appstore, Google Play, or on Web Browser!

Banking services
Debit Mastercard
IBAN
Individual Euro IBAN
Deposit by SEPA
Deposit from Crypto
Transfers to Crypto
Payments by SEPA
Crypto services
Cryptocurrency accounts.
Fiat accounts
Instant internal transfers.
Deposits
Withdrawals
Exchange
On/Off Ramp
Inhouse On/Off Ramp
Buy-Sell 30+ assets
B2B
Widget for B2B
API
API B2B gateway
Scan to download App
Credits Wallet Technology

Our technology is one-of-a-kind globally, developed entirely in-house.

Interfaces
Mobile apps
Web apps
Merchant accounts
White label
Accounting
Balance sheet: assets, liabilities
Currency Liquidity positions
Cards, Banking, Crypto, Securities
Accounting
Products
Trading, deposits, payments, gateway...
Settlement & treasury
Banking custody
Crypto custody
Compliance
KYC
Anti-fraud
Transaction monitoring
Identity management
Security. Infrastructure
Ledger
API
Business infrastructure
Cloud infrastructure
Service partners and providers
Blockchain protocol
The fastest decentralised blockchain.
Credits Unique Blockchain protocol with native CS coin started in 2017 and was successfully developed from scratch in 2019.
Strategy

User Growth Projection.

Projection for 6 years.

The main channels for attracting customers are marketing on social networks and the involvement of the crypto influencers.

2023A 2024E 2025E 2026E 2027E 2028E 2029E
All Customers 15K 467K 1.9M 4.6M 8.9M 15.7M 25.2M
Monthly active users (MAU) 1000 131K 623K 1.8M 3.9M 7.4M 12.9M
Revenue p.a. $ 50K 8.7М 64.1М 296.9М 781.6М 1.8B 3.6B
Note: The figures are based on management's estimates and forecasts. Forecasts assume the closing date of the STO transaction in Q2-Q3 2024 and the corresponding financing for the implementation of the growth strategy.
Customer acquisition Cost projection per MAU.
  • $17 in 2022-2023.
  • $45.3 in 2024, $31.6 in 2026, $19.8 in 2029.
Number of customers
12K
2023
467K
2024
1.9M
2025
4.6M
2026
8.9m
2027
15.7m
2028
25.2m
2029
Road map

Roadmap for product development and scaling.

2019 – 2022

Consumer wallet

Core-banking

Processing

Custody

Web app

Fiat accounts

2023

Mastercard

Dedicated IBAN

Transfers

Card/IBAN <-> Crypto

On-off Ramp (Buy crypto)

Blockchain: mining

2024

Scaling in Europe (main)

New products:

  • Cash back
  • Stacking/Loans
  • POS payments for Merchants

Start in Brazil with cards

Blockchain: wrapped cs, DEX, Solidity

2025

New markets for cards:

  • HK
  • Mexico
  • USA

Blockchain: DEX, Solidity

Accounts for business
Cards for business
25 Multiple Currencies
Stock trading

Note: The figures are based on management's estimates and forecasts. Forecasts assume the closing date of the crowdfunding and venture capital investment transactions being in Q2-Q3 2024 and the corresponding financing for the implementation of the growth strategy.

Influencers about Credits.

Promotional Campaigns.

Discount for CS holders.
Up to 75%.
Unique benefits
for CS coin holders, up to 75%
of share/token price.
Get discount
Free UCSS
Airdrop.
Get UCSS tokens for
free by promoting the
crowdfunding and Credits Wallet.
Get airdrop
Benefits
A Premium plan for every investor.
Free or at a significant discount for using banking and crypto Credits services.
Get started
Referral program
Affiliate.
Earn by promoting Credits.
A single link for Android, iOS or Web.
Get the link
Ambassador
Ambassador.
Become a representative in your country and community.
Become an Ambassador

Giveaways.

20
Unique merch designs for the Top STO participants.
$20K
for Airdrop participants.
$100K
for UCSS holders.
$10K
in account per week.
up to 75%
discount for CS holders.

Join Credits' 250k Community.

Questions and Answers

What is Credits’ Crowdfunding?
What is a token or tokenized share?
How to become an investor?
How can I sell tokens in the future?
What is the difference between an crowdfunding and a utility token?
What is Unicorn Tokenization Corp.?
Whose citizens can participate?
What are the project's tokenomics?

A "neobank", "digital bank" and "wallet" are the general concepts of financial services provided by Credits.com. Credits’ Neobank, hereinafter the overarching name of financial services (individuals, transfers, Mastercard debit cards and other services) provided by the project Credits.com. Credits is not a bank. All banking and financial services are provided by Credits’ partners.

Unicorn Tokenization Corp.* is a subsidiary of Ambisafe Group, registered at BVI as a Private Investment Fund (Company number #2011776, FSC Certificate No. SIBA/PIF/20/0184).
The Fund is managed by Raison Asset Management (legal name “Threesixty Elements S.A.”) which is authorized and licensed by the BVI Financial Services Commission (“FSC”) under the Securities and Investment Business Act, 2010 (“SIBA”) and Investment Business (Approved Managers) Regulations, 2012 in the British Virgin Islands (“BVI”).

Fractional share holders are not shareholders of the Tokenized Companies and do not get any voting or information rights in these companies. Offerings are not available for the residents of United States, Japan, Singapore, Switzerland and some other countries.

Investing involves risks, including loss of capital, illiquidity, lack of dividends and dilution, and should be done only as part of a diversified portfolio. Please read the Risk Warnings before investing. Investments should only be made by investors who understand these risks. Tax treatment depends on individual circumstances and is subject to change in future.

The information contained in this document and corresponding data made available to you (collectively known as the “Materials”) is proprietary to Credits.com and furnished solely for your confidential review with the express understanding that, without prior express permission by Credits.com, you will not release the Materials or discuss the information contained therein or make reproductions of or use of the Materials for any purpose other than an evaluation of a potential investment in Credits.com.

The Materials contain forward-looking statements, including projected financial performance. These projections are based on our current expectations about future events and are estimates reflecting the best judgment of management and involve a number of risks and uncertainties that could cause actual results to differ materially.

Note: The figures are based on management's estimates and forecasts. Forecasts assume the closing date of Series A Round transaction in Q1 2024 and the corresponding financing for the implementation of the growth strategy in the next years.

The Materials do not constitute an offer to sell, or a solicitation of an offer to buy, any security. Any such offer would only be made by means of formal offer documents, the terms of which would govern in all respects. Information stated in the Materials is based on information believed by Credits.com management to be reliable but we do not guarantee accuracy. We do not warrant that circumstances have not changed since the date when such information was supplied.

Any financial data subsequent to Dec, 2022, and all other financial data contained in the Materials (other than the year-end audited statements described above), including data regarding monthly or quarterly performance and revenue and cost allocations across product lines and payment types, among others, are unaudited.