NELUNS
IBAN
– Multicurrency accounts
Neluns Bank users will
have access to IBAN – personal and corporate multicurrency accounts. Immediately
after opening an account, users will be able to carry out operations in USD,
EUR, GBR, as well as with cryptocurrencies.
IBAN (International Bank
Account Number) - The International Bank Account Number is a unique identifier
helping banks process payments from person to person automatically. The IBAN
contains all necessary information of the owner of a bank account such as the
account number, bank, branch information, and country code. Although no uniform
length has been established for SEPA countries, the IBAN cannot exceed 34
characters. Most countries however, have different fixed lengths.
SWIFT (Society for
Worldwide Interbank Financial Telecommunication) - The Society for Worldwide
Interbank Financial Telecommunication (SWIFT) provides a network that enables
financial institutions worldwide to send and receive information about
financial transactions in a secure, standardized, and reliable environment.
SWIFT also sells software and services to financial institutions, much of it
for use on the SWIFT Network, and ISO 9362. Business Identifier Codes (BICs,
previously Bank Identifier Codes) are popularly known as "SWIFT
codes".
SEPA (Single Euro Payment
Area) - This unique euro payment area establishes an integrated European market
for payment instruments. The aim of SEPA is to ensure that payments within
Europe take place as simply and effectively as those within a single country.
Issuance
of bank cards
After receiving a bank
license and connecting to SWIFT, we will connect Neluns Bank to a variety of
payment systems (Visa, MasterCard, American Express, and others).
As an issuing bank,
Neluns will perform the following functions:
• Issuance of bank cards
to clients.
• Authorization of
payments at the request of retail outlets.
• Payment of merchant
accounts by writing off corresponding amounts from the client accounts.
• Issuing cash money in
any partnering ATM’s of Visa, MasterCard, American Express, worldwide.
• Security (blocking of
accounts in the case of lost cards, etc.)
Holders of cards issued
by Neluns Bank, will be able to pay for purchases. At the same time, payments
in both fiat and cryptocurrencies are allowed. In case of payments being made
in cryptocurrencies, they will be converted into fiat based on current Neluns
Exchange market rates.
To make it easy, card
issued by Neluns Bank use Contactless payment systems (MasterCard Contactless,
Visa paywave, Apple Pay, Samsung Pay, Google Pay), modern, innovative
technologies consistent with EMV (Europay+Mastercard+Visa) in accordance with
the ISO/IEC 14443 standard.
Aside from this, Neluns
Bank users will be able to deposit fiat in any ATM, anywhere in the world, onto
their bank accounts.
In the future, we plan to
develop our own POS-terminals. They will be installed in sales outlets of bank
clients. Thus, Neluns will combine the functions of an issuer and acquirer in
the future.
We have developed
software products with 4 types of bank cards:
Lite
–
bank card released for first level verified users (email address). Users can
participate in trades on the Neluns Exchange (with 1:5 margin trading). Trade
sums cannot exceed $300.
Silver
– bank card released for second level verified users (verification through
social networks and mobile number). Users can participate in trades on the
Neluns Exchange (with 1:10 margin trading) and the P2P lending platform. Trade
sums cannot exceed $500.
Gold
– bank card released for third level verified users (verification through
identity verification and mobile number).
Users gain access to all Neluns Bank services, Neluns Exchange (with
1:20 margin trading), Neluns Insurance. Restrictions on trade amounts are
absent.
Platinum
– bank card released for third level verified users (verification through
identity verification and mobile number), who have deposited no less than $5000
in the Neluns Bank. Users gain access to all Neluns Bank services, Neluns
Exchange (with 1:20 margin trading), Neluns Insurance. Restrictions on trade
amounts are absent.
Neluns
Advantages
Broad
spectrum of banking products.
With the emergence of
Neluns, the possibilities of cryptocurrency market participants will
significantly expand. Each of them will be able to find an optimal solution
amongst a broad spectrum of banking products. For example, long-term investors
can extract additional profits on account of deposit placements, traders and
cryptofunds can expand their abilities on account of access to lending tools.
The Peer-to-Peer (P2P)
Lending Platform opens up access to cryptocurrency loans for a broad range of
individuals. The escrow system will allow to increase ICO investment security
levels, which will result in a growth of investor confidence, and thus, the
volume of attracted funds.
Unique
cryptocurrency exchange
The Neluns Exchange is
not just another cryptocurrency exchange, but a radically different structure,
free from the issues of existing cryptocurrency exchanges. The use of the “bank
guarantee” approach protects assets from unforeseen circumstances. The use of
leading technologies from two financial worlds allows for the creation of a
secure system, capable of handling millions of transactions per minute.
Users that pass
verification will be able to carry out transactions of any scale, and fund
withdrawals to multicurrency Neluns Bank accounts will occur near
instantaneously. Around the clock support services will quickly resolve all
user issues.
High
level of security
The presence of a
traditional financial institute as the base of Neluns will significantly
improve security. We are integrating the best solutions from global companies,
which develop software for the world’s largest banks. Aside from this, Neluns
client assets are legally protected.
The Neluns Insurance
company provides clients with the opportunity to insure trade and transactions.
This allows for losses to be compensated in the case of an insurance event.
Elimination
of entry barriers
The emergence of the
Neluns ecosystem will significantly simplify the entrance of new participants
into the cryptocurrency market. We are realizing familiar banking products. Clients
will be able to purchase cryptocurrencies and carry out transactions in just a
few clicks. Moreover, Neluns realizes the ability to pay for goods and services
with cryptocurrencies, and companies will receive payments to their merchant
accounts.
Ability
to make instant payments anywhere in the world
The Neluns Bank provides
any individual or company to carry out cryptocurrency transactions from any
part of the world with minimal transaction fees.
A user can top up an account or withdraw funds
anywhere in the world, in order to do so, an ATM must be used or a transfer
needs to be made.
Low
commissions with minimal risks
Neluns is constructing
the ecosystem in accordance with the BaaS concept. The Neluns iOS and Android
applications with a user-friendly interface open up access to all
cryptocurrency and fiat banking products, around the clock.
The absence of a network
of branches and affiliates makes it possible to reduce transactional costs many
times over, and the use of leading technologies makes them even smaller,
increases security, and operating speeds. The use of Visa, MasterCard, and
American Express partner network ATM’s will allow for instant cash
withdrawals.
As a result, Neluns
offers its clients, both private and corporate, a broad spectrum of familiar
services at the most favorable terms. This will allow us to attract a huge
quantity of new participants to the cryptocurrency market, broaden the
applicable uses of cryptocurrencies, as well as organize an impressive inflow of
capital into the cryptocurrency market.
ROADMAP
NLS
Token
The NLS token is created
in accordance with the ERC-20 standard.
The NLS token is a
security token.
The NLS token will
provide holders with dividends in the amount of 50% of the profits of the
Neluns ecosystem (Neluns Bank, Neluns Exchange, Neluns Insurance). Dividends
will be distributed each quarter in proportion to the number of tokens held
comparative to the total number of tokens in circulation.
Aside from this, NLS
token holders will have an access to bonuses and privileges when using products
of the Neluns ecosystem. The more NLS tokens a holder has, the more privileges
he will receive.
NLS tokens can be
acquired throughout the Pre-Sale, Pre-ICO, and ICO. The acquisition of NLS tokens
in the secondary market will be possible immediately after listing on
cryptocurrency exchanges.
Unsold tokens will be
frozen after the ICO. Each year, 3% of the tokens will be burned.
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