Highlights.
Superb proprietary processing core banking IT platform developed from scratch.
Our market is the cryptocurrency consumer using banking products (aka the “unbanked”).
Huge and fast growing market: The annual 50% CAGR till 2030 (neobanking and crypto).
A round stage: 1st clients and revenue. Scale up ready. Reached Product Market Fit.
Credits' ARPU is 2-3 times higher than other neobanks: $17 CAC and a $98 ARPU.
As of March 2023, Credits is a fully operational and compliant neobank.
Over 10 top world partners. Our EEA MasterCard Crypto program has been approved.
30 Team Members: 15 on Tech Team, rest on Compliance, Operations, Marketing.
Credits is now a member of RISE New York. The Parent Co in Delaware.
Request to join Pre-STO under limited terms.
Join the waiting listThis is Credits.
Our crypto bank.
Digital assets and banking made easier than we found so far!
Our market: Crypto consumers of digital banking.
Credits.com focuses on crypto users for retail and B2B.
By 2030, more than half of all payment transactions will be conducted by nonbank players like neobanks and digital wallets.
Now as for 2023, there are more than 500M+ crypto users worldwide. Credits gives the whole range of payment solutions with banking services (cards, accounts, bank transfers, FX) and payment solutions with stable tokens and cryptocurrencies).
Now, there are three major problems in the crypto world.
Customers are vulnerable to losing their money (like with FTX). Crypto-exchanges & wallets have access to customers' money, operating unlicensed & non-compliant locations.
The company puts in the first place the all requirements of compliance of regulators, antifraud and the highest security standards.
Crypto-exchanges and wallets do not provide the ability to transfer, receive or pay money to everyone. Only withdrawal of money to the user's own accounts in other banks is available.
full payment
services.
It is a fully fledged wallet or Digital bank. Customers can send and accept money from/to anyone. Get your salary or make online or in person payments. The Cards are for local and international payments.
High overall costs of up to 10% for buying and selling crypto. It can take up to weeks to deposit and/or withdraw.
By bypassing intermediaries using a single platform, Credits makes the transfer from crypto to fiat or vice versa easier and much faster.
- 20+ Bank accounts for saving money.
- Debit cards and payments.
- Buy, sell, save and exchange cryptocurrency.
- Invest in top companies worldwide.
Credits’ intuitive Apps.
16 services available.
More to come.
Banking
- Individual IBAN bank account in EUR.
- Payments in EUR via SEPA (new).
- Transfers between Banks and Crypto.
On/Ramp payment gateway
- Fiat-crypto B2B gateway.
- Buy cryptocurrency.
- Sell cryptocurrency to card and bank account.
Crypto services
- Deposits with VISA & Mastercard, bank transfers.
- Fiat to cryptocurrency exchange.
- Crypto to crypto exchange.
- Cryptocurrency accounts.
- Prepaid fiat accounts EUR, USD.
- Crypto transfers.
- Instant internal transfers.
- Withdrawal with VISA Direct or Mastercard.
- Send to Bank Accounts.
Credits has launched a fully compliant and licensed banking – crypto service.
- The project was launched for full-fledged operations in August 2022.
- Fully operational product at stage A. First customers, first revenue.
- Products launched and running with relative stability.
- 4.6 star rating on Apple store and 4.3 star rating on Google play store.
- Fully compliant in house core-banking platform for managing many types of assets like crypto, cards, investments and cashback with different transaction methods.
- We have industry standard IT solutions for anti-fraud, accounting, limiting, compliance, monitoring charge back, prevention and product management.
- Individual accounts for European banking from a UK banking provider.
- Launched crypto-banking products without intermediaries, On/Off ramp payments, crypto transfer, and exchange.
- Integration started with Partnership with Mastercard issuer Unlimint for issuing Debit cards in Q2 2023.
- Partnership and Integration with share trading provider servicing in over 60 countries.
- Partnership with RailsBank as a provider in EU countries.
- Our transaction model has a high ARPU of $16 per month (in comparison with extremely low ARPU of $3 for EU based Neobanks according Source).
Current metrics.
After two and a half years of development, we launched our services in Q3 2022 with fully complaint licensed banking-crypto services.
Organic registered Customers during three months (without ads.).
Full-fledged bank accounts, bank transfers, deposits and withdrawals and other services.
Credits is generating its first revenue from first customers after the launch of operational activity in Q4 2022.
Processed operations by Consumers in our applications in 2022.
Road map of product development & scaling.
Started the project.
MVP Platform.
First version of wallet.
Core banking.
Crypto App.
Web wallet.
Buy crypto.
Bank accounts.
Debit cards for EU & UK (in progress).
Shares trading (in progress).
Lending and Yield.
Over 25 Multiple Currencies.
Crypto B2B on/off ramp payment service.
First launch of Debit cards in 3 markets:
- HK
- Mexico
- Brazil
Partnership Integration Roadmap.
integrated
acquisition.
integrated
and in negotiation
interests
User Growth Projection.
The main channels for attracting customers are social network marketing and the involvement of the crypto community.
| 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 |
- $17 in 2022-2023.
- $45.3 in 2024, $31.6 in 2026, $19.8 in 2029.
The most valuable part of the project is a strong executive team.
Founder and CEO
Igor Chugunov
IT & Fintech entrepreneur with 17 years, who is capable of effectively managing a fintech project of over 100 developers. The leader who is responsible for achieving the project's goals in the shortest time and with a minimum budget.
Our team of 30 members:
Operational: 15
- COO
- Compliance
- Operators
- Legal team
- Marketing
- Business dev
IT department: 15
- CIO
- Analyst
- Developers
- Devops
- QA
- Tech Support
Questions and Answers
An investment round is designed to attract new investment in the form of crowdfunding for further expansion and user growth. Investors can buy tokenized shares of the company.
In the most general of terms, crowdfunding a STO or a security token refers to the ownership of portions of a company. When you invest in a company through equity crowdfunding or a security token, you buy a part of that company and become a shareholder or a partial owner of the company.
This is not a utility or a governance token. UCSS is a security token, it is completely different than crypto utility tokens found on crypto exchanges and protocols.
This is a security token or Tokenized shares as an ERC20 token. Tokenized share or UCSS tokens are structured in the form of security tokens on the blockchain ETH. Each token is backed by 1 to 1 to share of CREDITS TECHNOLOGY INC, USA, DE, #7211108.
How to buy tokens? How to participate in the STO?
The whole process of buying UCSS tokens is simple and takes place inside of Credits’ Apps or sites: Apple, Android or Web version of the site.
You need to download the application, register and go through the KYC procedure (attach passport documents, selfies, etc.).
After verification, you can purchase tokens with VISA, MasterCard, bank transfer or using cryptocurrency inside the application.
You will be able to sell tokens when they are listed on exchanges. The secondary token market will start working around 6 months after the completion of the STO on the exchanges: Ambisafe.com, Orderbook.io and in the Credits App.
Security tokens represent ownership of shares in a company.
Utility tokens are promotional tools that grant holders special access or promotions for future product or service launches. They do not provide any rights.
In the most basic of terms, a security token refers to the ownership of a stake in a company.
When you invest in a company through equity crowdfunding or purchasing security tokens, you are buying a piece of that company and becoming a shareholder.
UCSS is tokenized share as an ERC20 token which is backed 1 to 1 by Credits’ company shares.
This is not a utility or governance token. UCSS is a security token, it is completely different from crypto utility tokens found on crypto exchanges and protocols.
Unicorn Tokenization Corp. acts as the issuer of the tokens, behind which Credits’ company shares are held and subsequently provides secondary trading of UCSS tokens on the exchanges: Ambisafe.com, Orderbook.io and in the Credits App.
More than 50 countries are permitted. However, some countries cannot participate in the purchase of UCSS tokens, among them are the USA, Canada, Japan, and some others.
Although accredited investors of these countries like the USA, Canada, Japan and some others are not allowed to buy tokens, they are able to purchase shares of the parent company under the Share Purchase Agreement.
The procedure is simple.
This is an investment information document regarding the token offering of tokenized shares presented by Unicorn Tokenization Corp, a subsidiary of Ambisafe Group, registered under #2011776, and holding FSC BV Certificate No. SIBA/PIF/20/0184. It is in association with Orderbook Global Inc., located at Commerce House, Wickhams Cay 1, P.O. Box 3140, Road Town, Tortola, British Virgin Islands VG1110.
Neither information nor any opinion expressed on the website constitutes a solicitation, an offer or a recommendation to buy, sell or dispose of any investment, to engage in any other transaction or to provide any investment advice or service.
An investment in Unicorn Tokenization Corp. products should only be made after reading the related legal documents, such as management regulations, Private Placement Memorandum, and prospectuses. These documents can all be obtained free of charge on this website in the 'Terms' section via the link: https://credits.com/terms/ and in Orderbook Global Inc.'s 'Terms of Service' available at https://assets.orderbook.io/docs/terms.pdf.
Investing involves risks, including the loss of capital, illiquidity, lack of dividends, and dilution, and should only be done 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 the future.
By clicking Proceed I confirm that I am a professional investor and that I have read, understood and accept the terms of use for this website.
