July 14, 2020

Digital Money Done Right

Manos MacromallisBusiness Operations & Strategic Partnerships

2

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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7

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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8

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