Crowdfunding Campaign.

Invest in Tomorrow's Unicorn!

A Revolutionary wallet with debit MasterCard, crypto and payments in one Super App!

Crowdfunding will start in February
$682,039 already raised of $3M.
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Token price

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

$0.5 in Pre-sale

UCSS token or share price.

$1 main round price in Dec.

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 minimum.

Min UCSS investment of $100.

Direct investment min of $25K.

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

Confirmed listing

on orderbook.io exchange.

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
service.
Live
Debit Cards.
Lending and
Staking.
Buy and Sell Stocks.
Coming
Live
Current
accounts.
The world's
fastest
blockchain
developed from scratch.
Why invest in Credits?
Fundraising for growth, not for development.

Ready to scale after 3 years of project development.

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
EU Debit Card
HK UnionPay Cards
Payments
Payments
Payments
Cryptoexchange
Tokenization
Cryptoexchange
Verification

Markets.

Europe
IBAN, MasterCard Cards, Payments, Crypto.
Available
IBAN and Cards
Brazil
VISA or MasterCard Cards, Accounts, Payments, Crypto.
2024
Card integration
Hong Kong
UnionPay card, Accounts, Payments, Crypto.
2024
Ready to launch
Mexico
VISA card, Accounts, Payments, Crypto.
2024
Ready to launch

Note: The figures are based on management's estimates and forecasts. Forecasts assume the closing date of the STO transaction being in Q3-Q4 2023 and the corresponding financing for the implementation of the growth strategy.

Executive Team and Advisers

20 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.

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.

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.

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 Nov 2023, Credits is a fully operational and compliant neobank (it's not MVP!).

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.

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

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

Credits.com’s Apps

Banking and Crypto Services for Retail Consumers.

Mobile Banking & Crypto
Web Interface
On/Off Ramp Payments
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.

Payment Services, Accounting, On/Off Ramp, Anti-fraud, Compliance, etc. function without Intermediaries.
Everything is live.

Traction

20+ services currently available.

Credits integrates banking and crypto into a single app, offering convenient and instant transfers between the banking and crypto wallet inside Credits App.

Banking services
Debit Mastercard

Open online on Credits App.

IBAN
Individual Euro IBAN

Open online on Credits App.

Deposit by SEPA

Instant deposit of IBAN.

Deposit from Crypto

Instant, in App from Crypto.

Transfers to Crypto

From Card/IBAN to crypto.

Payments by SEPA

In App with a few clicks.

Crypto services
Cryptocurrency accounts.

30+ coins/tokens supported.

Fiat accounts

Local currencies: EUR, USD, GBP.

Instant internal transfers.

Free transfers between Users.

Deposits.

Cards and bank transfer.

Withdrawals.

Instant to card. Bank transfer.

Exchange.

Fiat-crypto. Crypto-crypto.

On/Off Ramp
Inhouse On/Off Ramp.

No intermediaries.

Buy-Sell 30+ assets.

To card and bank account.

B2B
Widget for B2B.

Fiat-crypto B2B gateway.

API
API B2B gateway.

ON/Off API for projects.

Scan to download App
Credits' Technology

It works on our live, unique in-house software and infrastructure.

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
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 Q3-Q4 2023 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

Road map of product development & scaling.

2019 – 2020

Started the project.

MVP Platform.

First version of wallet.

2022

Core banking.

Crypto App.

Web wallet.

Buy crypto.

Bank accounts.

2023*

Debit cards.

IBAN individual accounts.

Payments in App.

Transfers banking-crypto.

On/off ramp.

Blockchain: mining, Solidity.

2024*

New markets for cards:

  • HK
  • Brazil
  • Mexico
  • USA

Blockchain: DEX.

Accounts for business.
Stock trading.
25 Multiple Currencies.
Cards for business.

Influencers about Credits.

Promotional Campaigns.

Free UCSS
Airdrop.
Get UCSS tokens for free by promoting the STO and Credits' App.
Get your token
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
Coming in Q3 2023
Be the First to get your Card!
STO investors get the privilege of getting their cards first.
Join the waiting list

Giveaways.

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

Join Credits' 250k Community.

Questions and Answers

What is Credits’ STO?
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 STO token 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.