Highlights.

As of Sep 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!

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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

16 Services currently available.

After the Q1 2023 launch, we are progressively enhancing our services and focusing on product stability.

Credits' banking services.
IBAN
IBAN account.

Individual IBAN bank accounts in EUR.

Payments in SEPA.

Bank transfers in EUR via SEPA payment system.

Transfers.

Between Banking to Crypto in Credits' App.

Credits' crypto services.
Cryptocurrency accounts.

Crypto and prepaid fiat accounts EUR, USD.

Fiat accounts EUR, USD.

Crypto and internal instant transfers.

Free instant Transfers.

Crypto and internal instant transfers.

Deposits.

With VISA & Mastercard, bank transfer.

Withdrawals.

VISA Direct and Mastercard, Send to Bank Accounts.

Exchange.

Fiat to crypto / Crypto to crypto.

On/Ramp payment gateway.
Buy cryptocurrency.

Cryptocurrency.

Sell cryptocurrency.

To card and bank account.

B2B
Fiat-crypto B2B gateway.

Fiat-crypto B2B gateway.

API
API B2B gateway.

ON/Off ramp for crypto business projects.

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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 for Europe.

Phisical debit cards EU.

Staking and Lending.

Apple and Google Pay.

On/off ramp payment service.

Blockchain: mining, Solidity.

2024*

New markets for cards:

  • HK
  • Brazil
  • USA

Blockchain: DEX.

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

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.