White-label Neobank. Turnkey solution for Enterprises, Banks, and Startups. Launch your own comprehensive Neobank under your brand in a short timeframe by utilizing our network, licenses, permissions, certifications, and software. Learn more - https://optherium.com/digital-banking/

1. for Enterprises, Startups and Banks
Turnkey
solution
White-label
neobank
Powered by Optherium Network
of Blockchains, AI and Dynamic Biometrics
Optherium Labs LLC
30 Wall Street, 8th Floor, Suite 752, New York, NY 10005
Email: info@optherium.com
Phone: +12125379492
Trusted by

2. Table of content
The global neobanking disruption 03
Turnkey white-label neobank 04
Future-rich 05
Bank-in-a-box 06
Neobank for individuals 07
Neobank for business 08
Custom modules 09
KYC onboarding 10
Passwordless environment 11
Encrypted security storage 12
Use cases 13
Revenue model 14
Go-to-market time 15
Project timeline 16
Implementation roadmap 17
Technical architecture 18
Contacts 19

3. DisruptionThe Global Neobanking
The digital banking market has witnessed significant growth
previously, but due to the unexpected COVID-19 outbreak, the
market will witness additional growth in 2020, owing to the rising
adoption of mobile payment solutions. This growth will be majorly
driven by changing customer behavior, increasing the focus of the
people from visiting bank branches to online access to bank
services. Thus, traditional banks, large enterprises, and well-funded
startups have an opportunity to launch their own digital-only
neobank as an alternative to traditional in-person banking.
The main challenges that businesses face once decided to
create own branded Neobank include the following:
The Opportunity
The Challenge
Too expensive licensing, staff, software
development
Too long go-to-market time
Lack of expertise in finance, technology,
compliance, data security, development, etc.
No compliance, customer support,
and technical support team
2020 2021 2022 2023 2024 2025 20262018
803.80
884.18
972.60
1,069.86
1,176.84
1,294.53
1,423.98
1,566.38
1,702.40
2019
10%CAGR
Values in $ billions
The total number of digital banking
users will exceed 3.6 billion by 2024 up
from 2.4 billion in 2020; a 54% increase.
Users Growth
The global digital banking market registered a
revenue of nearly $803.8 billion in 2018 and is
anticipated to grow at a 10.0% CAGR, surpassing
$1,702.4 billion by 2026.
Digital Banking Market Growth
1.8B
2019Users in
3.6B
2024Users in

4. Mobile
apps
IBAN / ACH
bank account
Web app
Payment
gateway
Debit cardKYC/AML onboarding
Ready-made and fully customizable neobank applications for
Web, Android, iOS platforms with the most advanced features for
business and individual users.
Turnkey Neobank
The Neobank is covering EMI license in the EEA, Banking license
in the USA and Brazil, and PCI DSS compliance globally.
No need to obtain any license
We provide dedicated technical, compliance, and customer
support teams, so our clients can focus on business development
and customer acquisition.
Dedicated professional team
Seamlessly integration into any business model and go-to-market
1-3 month time frame.
Easy and fast integration
Customizable transactional and subscription fees are powerful
sources of income for business.
Revenue-generating tool
White-Label NeobankTurnkey
The solution

5. - €39,50Gema Torres
Account or card
Dana Scally Anna D.
Bronson
Nathaniel P.
Joseph
Julia Denis Chris Carter Adam J.
,78€ 21 987
Send Load Request
Kids card **56
Kids card **56
**78MainCard
USD
Main account
$1 298
**78MainCard
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New wallet
€12 578,23
Nathaniel P.
Joseph
Remind
You owe me a year.
$500
Ann
For the
€ 500
Anna D. Bronson
Send
Hey, here"s an invoice
for the trip last year. I
included both — food
and hotel rooms
€90
9:41
Hello! I’m Vixy.
Open a Bank account
Hello! I’m Vixy.
I'm a bot who will help you open your
bank account. When we are done, you
will be able to access and use all of
your available funds.
Let’s begin
Open a Bank account
9:41
+44 077 7290 2225
Alex FrontAF
Email alexfront@gmail.com
Settings Save
€500
Sent to Visa *1181
Show details
SDKAndroid iOS Web
richFuture-
Product & experience design with user
experience at its core to seamlessly & quickly
onboard, increase use-friendliness, and
improve retention.
Digital-by-Design
Enables issuance and management of
IBAN and ACH accounts in 30+ currencies
for entities and private individuals in the
EEA and the USA.
Interest-bearing
Multicurrency Accounts
Cost-savings and new revenue streams provided
by a seamless payment gateway that supports
180+ payment methods in 150+ countries.
Cost-effective Payment
Gateway & Mobile Payments
Fully-compliant solution within the EEA,
the USA and Brazil.
Regulatory Compliance and
License Out-of-Box
Integration of proprietary MPBN
technology for interaction with and
storage of all sensitive data storage to
eliminate security risks.
Highest-level security
Branded mobile app, physical, and virtual
cards allow businesses to issue their own
accounts & cards to make deposits,
payments, withdrawals, etc.
Fully white-labeled Solutions

6. IN-A-BOXBANK-
BUILT TO BE PLUG-AND-PLAY.
OUT-OF-THE-BOX SOLUTIONS.
MODULAR BUILDING BLOCKS.
Designed to work with your existing infrastructure
and systems — whether you have them or not.
Fully white-labelled solutions, and instant regulatory
compliance and banking licenses in EEA and USA.
A fully-licensed, fully-compliant plug-and-play banking product
allowing you to concentrate on your core business while enabling you
to quickly deploy financial products without having to deal with
banking regulations and costly set-up.
No more need to worry about the banking solutions providers,
software development and maintenance, customer and compliance
support. We do it all for you. Really.
Optherium Labs is a one-stop-shop, providing everything needed for
launching and managing your own neobank. From A-to-Z.
Mobile and Web Neobank
SaaS
Android, iOS, Web applications,
Administrator Cpanel
Banking-as-a-service
infrastructure
IBAN&ACHaccounts, debit
cards, acquiring, payment
processing, payment gateway
Dedicated customer
support team
Online support for IBAN&ACH
accounts, debit cards,
acquiring, payment processing,
payment gateway
Dedicated compliance
team
KYC /KYB/AML, transaction
monitoring, fraud prevention,
watchlist screening
Licenses and
Certifications
EMIin the EEA, Banking
license coverage in 50states
ofthe USA &Brazil
RegTech SaaS
KYC /KYB/AML, transaction
monitoring, fraud prevention,
watchlist screeningsoftware,
Administrator Cpanel
DataVault Storage SaaS
KYC /KYB/AML, transaction
monitoring, fraud prevention,
watchlist screeningsoftware,
Administrator Cpanel
Dedicated technical
support team
For NeobankSaaS, RegtechSaaS,
and DataVaut SaaS
Management &
Strategy
Branding / Marketing /
Advertising
Business
Development
Other
Our technology — your brand

7. IndividualsFor
Send, request
and load money
Multicurrency
IBAN / ACH bank
account
Virtual and
plastic debit card
ATM Withdrawals
Worldwide
Apple Pay and
Google Pay
Foreign currency
exchange
Bill splitting
Card to card
transfers
International and
domestic transfers
Request payments
from anyone
Peer-to-peer QR
Payment
Digital receipts Family and kids
joint accounts
Money
management tools
Functionality and features

8. BusinessFor
Business IBANs Payment gateway Payroll Invoicing Recurring
payments
Analytics Custom modules
Reporting Loans Insurance Enhanced data
security
Accounting Simplified business
onboarding
Deposit &
Investment
accounts
Functionality and features

9. Your rulesYour Brand.
Custom modules
Every business has its own unique style, goals, needs, and wishes. And, of
course, its unique customers and business model. Optherium Labs offer the
custom development and integration solutions to help businesses to succeed.
Banks
Mobile Telecoms
Social Networks
eCommerce
Gaming
Entertainment
Travel
Communities
Financial Institutions
Logistics
Messengers
Retail
Gambling
Advertisement
Hospitality
Donations
Custom modules for any industry
29 people
€8 000€4,4
Updates from Kenya
5 new yesterday
+ 74
YearAllYour 100 trees
“Optherium helped us to
design and integrate a
user-friendly solution for
donations into the
“Trees4Shopping” & green
forests development. “
Rino Solberg
CEO of Better Globe Group

10. Mobile and web onboarding in chat-format with photo integrations,
backed by computer vision and artificial intelligence, that is secure,
cost-effective, and fully-compliant.
Full onboarding through a simple and user-friendly mobile or web
interface within 10 minutes and 22-26 clicks, and minimized staff
involvement.
Batch screening and real-time manual or automated monitoring
against 1,600+ watchlists and suspicious activity.
Highest-tech, Mobile KYC/KYB
Fast & User-friendly Onboarding
Global Screening and Transaction Monitoring
ONBOARDINGKYC
Enhanced data security & compliance
White-labelled module onboards, verifies, and authenticates users
via intelligent-automation to increase security, decrease costs,
minimize risks, and guarantee compliance.
User-friendly, 10 min,
22-click client onboarding
Onboarding in 22 clicks
Login
3 clicks
Documents
7 clicks
Selfie
3 clicks
Address
5 clicks
Signing
4 clicks
Done
Admin panel
Scan your ID
Scan your face
Upload utility
bill

11. authenticationPASSWORDLESS
Enhanced data security & compliance
Available as a standalone product/module
Key component
No more passwords needed. Biometric login increases
sign-in convenience for end customers, raises up login
conversion rates, and securely protects sensitive data
from being stolen or compromised.
Passwordless Multi-Factor Authentication (MFA) with Biometric login
helps businesses & users to prevent the most common and successful
types of cyber attacks, targeted on stealing passwords and login.
No password. No problem
Biometric login eliminates identity fraud by replacing access credentials
with biometric authentication and private key signatures, making
business sure that access is granted to the right user.
Enhanced Security & Usability
Passwordless biometric login is a cost-effective multi-factor
authentication method, required by SCA / PSD2 regulations.
Regulatory compliant & Safe
Face ID / Face Unlock and
Fingerprint verification
methods
Encrypted Biometrics act
as user’s Private Key
signature
Push notification allow
instant & cost-effective
device confirmation

12. Data
Data
Data shredder
Data decipher
Storage
(DB)
Storage
(DB)
Storage
(DB)
Automatically shreds, encrypts, and distributes
protected data pieces across numerous immutable
distributed ledgers, eliminating any single points of
vulnerability.
Data fragments are stored across
multi-decentralized private blockchain networks and
securely reassembled after access is authenticated
via multi-signature logic.
System is fully-compliant with regulatory security
and data privacy standards of the EU and US,
including GDPR, SCA, PCI DSS, and others.
Data Encryption
Secure Storage, Retrieval, & Access
Regulatory Compliant
VaultData
Enhanced data security & compliance
Comprehensive data protection system for enterprise
data security, protecting from outsider and insider
threats, and ensuring full regulatory compliance.
Available as a standalone product/module
Key component

13. use casesWhite-Label Neobank
For any type and size of business
Build your unicorn Neobank
startup and conquer the world
The turnkey neobank by Optherium provides startups an
opportunity to save up to €5m on investments and up to
5 years of life on building their own neobank from a
scratch. We cover startups with a ready-made software,
our licenses, dedicated customer, compliance, technical
support team, and all the other aspects, from A-to-Z,
instantly making them ready to compete with such
companies like Revolut, Monzo, and N26.
Startups &
New Businesses
Simplify payroll, enable cost-savings
and get extra income
Provide a corporate neobank app with branded debit
cards, and bank accounts to your employees. Pay salary
to your employees straight to their corporate wallets.
This enables significant cost-savings to business,
simplifies the payroll process, raises employees' loyalty,
and returns a portion of the payroll pool back to the
company in the form of fees from the usage of the
neobank by employees and non-employee users.
Large & Medium
Enterprises
Reduce operating costs, increase revenues,
enhance security, grow & scale faster
Digital only bank eliminates the need for the physical
branches and in-person customer onboarding. It is cutting
costs for the maintenance of the staff and
IT-infrastructure. And at the same time, white-label
Neobank by Optherium enhances the data security & user
experience, allowing banks to onboard businesses and
individuals online and offer them a full banking stack of
services through the mobile & web apps globally.
Traditional Banks &
Financial Institutions

14. NeobankWhite-Label
Revenue-generating tool
The goal of almost every business is to make profits. And
the more, the better. That is why we designed our
neobank as a tool for making money.
The flexible architecture of the white-label neobank
allows businesses to build your own revenue model
from existing functionality and also to integrate any
unique tailored solution into the neobank if needed.
Build your own revenue model
and diversify income sources
Monthly Subscribers & Monthly Revenue Monthly subscription revenue (€) Numbers of subscribers
1month 2 3 4 5 6 7 8 9 10 11 12 13 14 15 16 17 18 19 20 21 22 23 24
500000
1000000
1500000
500,000
50,000 100,000
1,000,000
Monthly Banner & Push notification Revenue Monthly revenue / Banner ads (€) Monthly revenue / Push notification
1month 2 3 4 5 6 7 8 9 10 11 12 13 14 15 16 17 18 19 20 21 22 23 24
500000
1000000
1500000
500,000
50,000 100,000
1,000,000
Monthly cumulative revenue / All sources Total monthly revenue / cumulative (€)
1month 2 3 4 5 6 7 8 9 10 11 12 13 14 15 16 17 18 19 20 21 22 23 24
500000
1000000
1500000
2,681,920
7,321,920
Average revenue per customer per annum
26.6€ 23.27€ 22.16€
Subscriptions
Transactions
Advertisement
Insurance
Loans
E-Commerce
Investment accounts
Deposits
Charity
DataVault for docs
Mortgages
Your unique module
Statistics by

15. EEA
1-3 months
Global
Solution
12-16 months
2-4 months
USA
& Brazil
Any other
country
3-6 months
timeGo-to-market
Your branded neobank

16. TIMELINEYOUR
Preliminary evaluation of the
product/opportunity fit and
internal decision to focus on agile
innovation, customer journey, and
the future over the past to fuel
growth and competitiveness.
1
OPPORTUNITY
IDENTIFIED
45-min walkthrough that shows
how we create shareholder
value and enable competitive
agility, with opportunity to cover
technical aspects and receive
answers to any questions your
team has.
2
Product
demo
3
Consultative walkthrough that
covers your current systems &
processes, and helps answer
your most strategic business
questions, including growth,
profitability, and tech-driven
transformation.
Workshop
current state
4
Formulating a clear, actionable
path that keeps your core
business running while investing
in the new, thereby enabling you
to quickly and confidently pivot
to the future.
WORKSHOP:
TARGET STATE
We provide you with a test
environment to get started and
help finalize a practical roadmap.
We conclude our delivery &
maintenance contract, in parallel.
5
Roadmap
& pilot
6
We bring your products online,
in cooperation with your technical
team, under the agreed-upon
implementation plan.
Launch &
ongoing support

17. technical implementation roadmap10-day
Deploy sandbox infrastructure
Prepare sandbox applications with basic customization
Workshop (AWS infrastructure and Optherium Solution)
Deploy client blockchain infrastructure
Deploy Optherium blockchain infrastructure
Create blockchain network consortium
Deploy microservices and applications
Update applications with the final
customization
Solution overview and quality
assurance
1 2 3 4 5 6 7 8 9 10

18. diagramArchitecture
API adapter
Cloud Infrastructure
State Control System
Banking Core
Pluggable additional providers Alternative payment methods Identity Blockchain
API adapter
Currency exchange
Internal ledger
Internal ledger Back office Payment gateway Passwordless environment
Pluggable additional providers
IBAN Provider
Card Service Provider
Alternative payment methods
Digital currencies
Cards acquiring
Identity Blockchain
Phone Service
KYC
Blockchain
Permission
Control
Data Vault
Sensitive
information
Storage

19. Optheriumisaglobaltechnologyservices&proprietary
productsproviderforbanksandlargeenterprises.Wehelpour
clientsunlocktransformativevaluethrough
technology-enabledopportunities.
Productsandsolutions
KYC/AMLOnboarding
Identityanddocumentverification
platform,softwaredevelopmenttoolsand
APIsforultimateregulatorycompliance
andautomation.
Switzerland,Lucerne,Hertensteinstrasse51
UK,London20-22WenlockRoad,N17GU
USA,30WallStreet,8thFl,Suite752NewYork,NY10005
Estonia,4Aia,2ndFl,Suite16,Tallinn,10111
DataVaultStorage
DataVaultStorageisanexceptionally
secureenvironmentforstorageof
sensitivedataanddigitalassets.
Whitelabelwebandmobiledigital
bankingapplications,poweredwith
Optheriumblockchain,AIandsmart
contractstechnology.
DIGITALBANKING-€39,50GemaTorres
Accountorcard
DanaScally AnnaD.
Bronson
NathanielP.
Joseph
JuliaDenis Chris Carter Adam J.
,78€ 21 987
Send Load Request
Kids card **56
Kids card **56
**78MainCard
USD
Mainaccount
$1 298
**78MainCard
USD
New wallet
€12 578,23
Nathaniel P.
Joseph
Remind
Youowemeayear.
$500
Ann
Forthe
€ 500
AnnaD.
Bronson
Send
Hey,here"saninvoice
forthetrip lastyear. I
includedboth — food
andhotel rooms
€90
9:41
Website: optherium.com
Email: info@optherium.com
Phone: +12125379492