Road map: Projections.

Credits has a unique experience in implementing complex technological projects. The development of the world's fastest blockchain and core banking crypto project prove it. We are fully achieving our goals.

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 for EU & UK (in progress)

Shares trading (in progress)

Lending and Yield

25+ Multi Currencies

Crypto B2B on/off ramp payment service

3 market first launch of Debit cards:

  • HK
  • Mexico
  • Brazil
2024-2025
Accounts for business
Card processing
Cards for business
Trading services
5 new markets
USA market, cards, accounts (FDIC)
Strategy

User Growth Projection

Projection for 6 years

The main channels for attracting customers are social network marketing and the involvement of the crypto community.

2022 2023 2024 2025 2026 2027 2028
All Customers 12k 467k 1.9m 4.9m 10.9m 23.2m 41.4m
Monthly active users (MAU) 700 131k 566k 1.7m 3.9m 9.2m 17.1m
Revenue p.a. $ 40k 10.6m 79.2m 300m 880m 2.5B 5.5B
Note: The figures are based on management's estimates and forecasts. Forecasts assume the closing date of the STO transaction in Q1 2023 and the corresponding financing for the implementation of the growth strategy.
Customer acquisition Cost projection per MAU
  • $67 in 2022 (as of Aug-Nov)
  • $45.3 in 2023, $35.6 in 2025, $26.3 in 2028
Number of customers
12k
2022
467k
2023
1.9m
2024
4.9m
2025
10.9m
2026
23.2m
2027
41.4m
2028

Partnership Integration Roadmap

Fully
integrated
Cryptocurrency acquiring
Instant Pay Out
SEPA Pay In and Pay Out
Dedicated IBAN customer's accounts
Services with 40+ tokens
Partially
integrated
MasterCard for EU and UK via Unlimint
Banking products for EU
PayPal Pay In and Pay Out
To be announced
Investment trading for residents from over 60 countries
Signing underway
and negotiations
UnionPay card program for HK and some Asian countries
VISA/MC card program for Brazil and Mexico
VISA/MC card program for MENA region
2 global FX providers
Turkey, Indonesia, Philippines.
Principal acquiring provider
Confirmed strategic
interests
Loyalty program
Bank products for APAC region
USA crypto and banking products
Canadian crypto and banking products
LATAM global payments

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.