digital money done rightrevolut* 1.35% n26* 1.57% available coming soon not available *competitors...
TRANSCRIPT
July 14, 2020
Digital Money Done Right
Manos MacromallisBusiness Operations & Strategic Partnerships
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Traditional banking client relationships are strainedAbusive behavior and charges, queues, bureaucracy and excluding practices have led to a loss of trust
Large proportion of the population is unbanked1.7B in the world, 135M in Europe, 1.2M in Greece
Cryptocurrency adoptionCryptocurrency acquisition, exchange and usage lacks a secure, legitimate and intuitive solution. Fiat and Crypto gateways remain complicated and predominately unregulated
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Retail banking today is facing a variety of issues
The problem
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3
Physical venues that accepted Bitcoin
30% increasein 9 months
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> 200**
6.088*
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Banking evolution
Traditional banks
Challenger banks
* https://www.statista.com/statistics/940867/number-of-banks-in-europe-by-country/ (eurozone -18, Eurozone population = 342m)
** https://www.fintechfutures.com/2019/03/challenger-banks-country-by-country-whos-who-and-whats-their-tech/
Excelon
Bank Branch Cards & POS E-Banking M-Banking Wallets New Money New Products New Banking Loans / Interest
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Printed Money Electronic Money Blockchain Money
Counterfeit protection Multi Billion Counterfeit frauds yearly
Money moves inside banking system
Money cannot be copied as its protected with
cryptography
Tracing of transactions, AML
Tracing of transactions is almost impossible
Juristictional issues restrict AML investigation and
Enforcement
All transactions are public and can be monitored in
real time
Commerce friendly Easy to handle for physical transactions only
Credit Card chargeback frauds is creating huge
merchant losses
Instant transactions 24/7 with no chargebacks
Regulatory/ Tax Control Easy Tax avoidance Transactions are recorded and can be audited
Transactions are recorded so they can be audited or
even controlled by Authorities
FIAT vs Blockchain Money
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Euro wallet, IBAN Account & MastercardConsumer and Business E-Banking accountsE-Commerce solutions (POS, E-POS for both FIAT and Crypto)Crypto wallet with CustodyExchange – Instant Fiat /CryptoInterest based crypto depositsInstant FIAT loans backed by CryptoOpen Banking AggregatorCompetitive pricingFully compliant – Securε
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a digital banking experiencefor your money & cryptocurrencies
Excelon SolutionFinancial freedom at your fingertips
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e-money positioning
Fully competitive against neobank rivalsC
ompa
ny
Nam
e
IBAN
Acc
ount
Car
ds &
Pa
ymen
ts
POS
/ ePO
SAc
quiri
ng
Perk
s (In
sura
nce,
Lo
unge
etc
)
Dep
osits
&
Savi
ngs
Con
sum
er
Loan
s
Pers
onal
Fi
nanc
e M
anag
emen
t
Bus
ines
s Ac
coun
ts
Ope
n B
anki
ng
Excelon
Revolut* 1.35%
N26* 1.57%
Available
Coming Soon
Not Available*Competitors data as retrieved from their websites and announcements.
Inaccuracies may exist
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Digital currencies positioning
Extremely ahead against of well-known neobanksC
ompa
ny
Nam
e
Dig
ital W
alle
t
Paym
ents
(S
end
/ Rec
eive
)
Exch
ange
Inst
ant F
IAT
–C
rypt
o Tr
ansf
ers
Cus
tody
Savi
ng w
ith
Inte
rest
Loan
s ag
ains
t C
olla
tera
ls
Mer
chan
t Ac
quiru
ng
Excelon
Revolut*
N26*
Available
Coming Soon
Not Available *Competitors data as retrieved from their websites and announcements. Inaccuracies may exist
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Fast and secure onboarding
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Fast and secure onboarding
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Your banking universe at your fingertips
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One place for all your money
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Euro wallet
Powerful, Euro wallet to serve your everyday
payment needs
Personal IBAN accountSend wire transfersReceive wire transfersP2P paymentsFund your MastercardSend and Receive to Crypto Exchange
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Prepaid Mastercard
Digital or Plastic Mastercard for all your
payment needs
Withdraw funds from any ATMGo Shopping online or in-storeTransfer funds from Card to CardManage your card securely from the App
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Crypto wallet
Powerful, multicurrency wallet to serve
your investment, payment and trading
needs
Store your Coins securelySend and Receive Coins over Blockchain and out of Excelon environment freelyExtreme Security, Custody Insurance
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Crypto Exchange
Bridging the gap between
traditional money and digital currencies
Instant transactionsAll possible pairs between the supported digital assets and EuroCompetitive Rates and low FeesFully Regulated Exchange
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Earn Deposits
Earn interest on your digital assets
Transfer your digital assets in the Exceloncrypto walletEveryday we calculate your daily interest earnings by applying a daily earn rate to your deposited coins.
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Instant Credit (coming soon)
€ 2,372.0Your Instant Credit
is now availablefor use
Keep your Crypto and get an Instant Credit
Line
Instant flexible credit line No Credit ChecksSpend Money Instantly by Card or Withdraw to Bank AccountGet all your Crypto Upside while using your money
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RegulatedFully regulated by FCA UK
E-money operations
IBAN AccountEvery Business customer obtains Irish Payments account with IBAN
to accept and send payments with “unlimited” loading capacity
Mobile and Web Securely access your funds
from everywhere
Debit MastercardBusiness Debit card for
company expenses
SEPA and Intl Wire Transfers
Send and receive funds directly from your IBAN
Very Friendly FeesCompetitive pricing undercuts
traditional banking fees
POS and E-POSE-Commerce Solutions
for merchants to for both E-Money and Crypto
Employee Cards & PayrollMake Employee payments
Provide cards to Employeeswith company only verification
Business Accounts (coming soon)
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Headcount
OfficesLondon TallinnAthens Sofia
a regulated financial services institution and BaaS provider
Founded
2018
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EEA E-money operations under a passport license
Global Crypto Exchange Operations licensed by
Legal Advisors
Excelon today
9.5KCustomers
The future of Digital Banking is here
July 2020