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.


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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