□ PROJECT OF THE YEAR 2026

Own your bank in your portfolio assets
Neobanking Infrastructure Bond Issue

An excellent opportunity for investors to become stakeholders in a digital neobanking unit — an amazing chance to own IPO bonds. We have developed a complete neobanking infrastructural project, all-in-one services under one roof. Direct investors welcome.

€10B+
Target AUM

€100B+
Market Cap Goal

1-10 yrs
Investment Horizon

Bonds listed on Euroclear & Bloomberg

High-status, trustworthy securities for institutional and private investors. Fixed coupon interest, fully regulated, and tradeable on major exchanges.

□□

Euroclear & Bloomberg Listed

Bonds will be issued and settled through Euroclear, with real-time quotes on Bloomberg terminal. Your investment gains maximum visibility and liquidity.

• ISIN / Common Code assigned
• Daily pricing & reporting
• Clear regulatory framework

□□

Fixed Coupon + Capital Appreciation

Attractive fixed coupon interest paid semi-annually. Plus potential upside as neobanking unit scales. Become a shareholder of a real digital bank.

• Projected coupon: 7%–9% p.a.
• Early birds get enhanced terms
• Long-term wealth creation

⚡□

All-in-One Neobanking Infrastructure

Full digital banking suite: accounts, payments, cards, FX, crypto, lending, and wealth management — built on modern core banking engine.

• Licensed as digital bank
• Multi-currency IBANs
• Open banking & API ready

□□

Direct Investor Stakeholders

When you invest in our bonds, you become a true stakeholder in the neobanking project. Your name appears on the cap table, and you join a community of forward-thinking investors.

• Shareholder recognition
• Voting rights on key milestones
• Exclusive updates & events

□ Bond Issuance Program – Key Features

Issuer

Neobank HoldCo S.A.

Licensed financial entity, regulated under EU framework

Target Size

€500M – €10B

Multi-tranche bond program, scalable

Coupon

Fixed 7% – 9% p.a.

Paid semi-annually, Euroclear settlement

Tenor

1, 3, 5, 10 years

Investor choice of maturity

✔️ Fully compliant with EU prospectus regulation ✔️ Listed on Euroclear and Bloomberg ✔️ Early bird benefits: enhanced coupon + priority allocation

Scaling to €100B+ Market Cap

Our neobanking infrastructure is designed for exponential growth. See projected trajectory for investor base and valuation.

□ Projected Growth: Investors & Market Capitalization

Vision 2030: Targeting €10B+ AUM and €100B+ market cap for the neobanking unit. Number of direct bond investors grows from early adopters to global institutional base. The chart shows year-by-year expansion based on current roadmap and capital markets demand.

□ Early Bird Benefits

First 500 investors (minimum ticket €50,000) receive:

• ➕ +1% enhanced coupon for the first 3 years
• □ Bonus equity warrants in the neobank holding company
• □ Exclusive "Founding Stakeholder" certificate
• □ Priority allocation in future funding rounds

Investment horizon: 1 to 10 years — choose your tenor. Bonds will be tradeable on secondary market via Euroclear, providing liquidity if needed. However, long-term holders benefit most from neobank's value appreciation.

Why become a stakeholder?

□️□

Regulated & Trustworthy

Licensed digital banking infrastructure, audited by top-tier firms, bonds issued under EU prospectus. Your investment is transparent and protected.

□□

High-Growth Asset Class

Neobanking sector is growing at 25% CAGR. Our unit combines banking, payments, crypto, and wealth — positioned to capture significant market share.

□□

Community of Stakeholders

Join a global network of investors who co-own the bank. Regular updates, shareholder meetings, and governance participation.

□ How to participate

1

Express interest & sign investor agreement

2

Choose bond tenor (1 to 10 years)

3

Subscribe via Euroclear / custodian

4

Receive ISIN, hold bonds in portfolio

□ Become a stakeholder – Reserve your bonds →

Minimum investment: €50,000 | Early bird deadline: 30 Sept 2026