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Starttech Ventures
Starttech Ventures

Gen Z, those aged 9-24, have significant spending power of over $145 billion that is growing as more enter the workforce. They want personalized banking experiences with relevant recommendations and 50% would accept part of their salary in cryptocurrency. Traditional banks remain "one-size-fits-all" while neobanks leverage technology to offer personalized services at lower costs and develop partnerships to serve customers faster. Excelon is a regulated digital banking solution positioned between traditional FIAT currencies and upcoming digital currencies like cryptocurrency, offering banking, crypto wallet, and exchange services to customers internationally through online, retail, and wholesale channels.

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Digital Money, done right www.excelon.io
Neobanks • bridge the gap between the services that traditional banks offer and the evolving expectations of customers in the digital age. • leverage technology and artificial intelligence to offer personalised services to customers while minimising operating costs. • launch features and develop partnerships to serve their customers much more quickly than traditional banks. What a neobank is?
Our customers are the next generation
Gen Z, or the generation that currently spans from nine to 24 years old, has an enormous spending power of over $145bn — and that’s only growing as more and more Gen Zers enter the workforce. To be more specific: • 25% of the global workforce will be generated by Gen Z in the next couple of years, so the signs are obvious for us why we should target them. • 64% of Gen Z are looking for a personalised banking experience “with product and service recommendations relevant to their unique banking situation”. • 50% of Gen Z (aged 25 and below) would be happy to receive 50 percent of their salaries in Bitcoin or any other crypto What does Gen Z really want from a bank? On the other hand, until today traditional banks are still a ‘one-size-fits-all’
Evolution of the money
Central Bank Digital Currency (CBDC) Central bank digital currencies are digital tokens, similar to cryptocurrency, issued by a central bank. They are pegged to the value of that country's fiat currency. Many countries are developing CBDCs, and some have even implemented them.
7 Excelon is a fully regulated digital banking solution for the 21st Century Citizen With a solid 3 years operational track record, its fully owned software solution and a customer base of more than 20K, Excelon is in an inflection point to become a household name in the new era of banking. Uniquely positioned between the traditional FIAT (Euro, Gbp, etc) and the upcoming Digital Money (crypto), Excelon offers a unique blend of services for individuals and businesses to conveniently access the new era of Digital Money as they move away from “old school” banks. About Excelon
8 Offices London Vilnius Athens A regulated financial services institution and BaaS provider Founded 2018 Excelon today UK & EEA E-money ops under an EMD license under Payrnet Global Crypto Exchange Operations licensed by
9 A Unique Niche with only a few players Pure Crypto Pure e-money + numerous regional players + more than 1,000 exchanges Positioned in the heart of New Money
Everyone using money! • Early banking customers • Crypto Enthusiasts • Expats • Professionals • Freelancers • Unbanked • etc Excelon Customers
11 Excelon users geography / revenue United Kingdom of Great Britain and Northern Ireland (the) 29.4% Greece 19.9% Poland 12.0% Spain 8.6% France (la) 7.5% Italy 5.7% Germany 4.2% Latvia 3.4% Netherland s (the)… Belgium 1.4% Czech Republ ic (the) 1.3% Estonia 1.0% Finland 0.8% Austri a… Por t… B… R… N… U… R… C L S A I S United Kingdom of Great Britain and Northern Ireland (the) Greece Poland Spain France (la) Italy Germany Latvia Netherlands (the) Belgium Czech Republic (the) Estonia Finland Austria Portugal Bulgaria Réunion Norway Ukraine Russian Federation (the) International Customer Base International Revenue
Excelon (XLON) Coin E-Money Services Crypto Services XLON Chain Our Services 12
Online B2B Retail Our Distribution Channels 13 Wholesale Consumer offering • IBAN Accounts (Eur/ Gbp) • Mastercard Debit • Sepa/ Swift/ UKFP/ P2P payments • Crypto Wallet • Crypto Exchange • Defi Earn and Credit Business offering • IBAN Accounts (Eur/ Gbp) • Mastercard Debit • Sepa/ Swift/ UKFP/ P2P payments • Payment links/Qr Codes • Tap to pay – Mobile POS • Business Apps Crypto to the Kiosk • Sell Crypto at Kiosks • Unique technology implementation • 10,000 points of sale at launch • Launch of service Q2/2022 Banking as a Service • Offering our complete offering as a service • One API • Out of the box solution
Our own Blockchain & Coin 14 XLON Coin loyalty scheme • Secure • Green • Fast • Smart 1. Free Cash Flow positive by Y2 post investment 2. Reasonable customer acquisition pace and conservative customer profile 3. Future product development will further boost the business • Low Fees • Compliant • Governance XLON Chain unique offering
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Μάνος Μακρομάλλης

  • 1. Digital Money, done right www.excelon.io
  • 2. Neobanks • bridge the gap between the services that traditional banks offer and the evolving expectations of customers in the digital age. • leverage technology and artificial intelligence to offer personalised services to customers while minimising operating costs. • launch features and develop partnerships to serve their customers much more quickly than traditional banks. What a neobank is?
  • 3. Our customers are the next generation
  • 4. Gen Z, or the generation that currently spans from nine to 24 years old, has an enormous spending power of over $145bn — and that’s only growing as more and more Gen Zers enter the workforce. To be more specific: • 25% of the global workforce will be generated by Gen Z in the next couple of years, so the signs are obvious for us why we should target them. • 64% of Gen Z are looking for a personalised banking experience “with product and service recommendations relevant to their unique banking situation”. • 50% of Gen Z (aged 25 and below) would be happy to receive 50 percent of their salaries in Bitcoin or any other crypto What does Gen Z really want from a bank? On the other hand, until today traditional banks are still a ‘one-size-fits-all’
  • 6. Central Bank Digital Currency (CBDC) Central bank digital currencies are digital tokens, similar to cryptocurrency, issued by a central bank. They are pegged to the value of that country's fiat currency. Many countries are developing CBDCs, and some have even implemented them.
  • 7. 7 Excelon is a fully regulated digital banking solution for the 21st Century Citizen With a solid 3 years operational track record, its fully owned software solution and a customer base of more than 20K, Excelon is in an inflection point to become a household name in the new era of banking. Uniquely positioned between the traditional FIAT (Euro, Gbp, etc) and the upcoming Digital Money (crypto), Excelon offers a unique blend of services for individuals and businesses to conveniently access the new era of Digital Money as they move away from “old school” banks. About Excelon
  • 8. 8 Offices London Vilnius Athens A regulated financial services institution and BaaS provider Founded 2018 Excelon today UK & EEA E-money ops under an EMD license under Payrnet Global Crypto Exchange Operations licensed by
  • 9. 9 A Unique Niche with only a few players Pure Crypto Pure e-money + numerous regional players + more than 1,000 exchanges Positioned in the heart of New Money
  • 10. Everyone using money! • Early banking customers • Crypto Enthusiasts • Expats • Professionals • Freelancers • Unbanked • etc Excelon Customers
  • 11. 11 Excelon users geography / revenue United Kingdom of Great Britain and Northern Ireland (the) 29.4% Greece 19.9% Poland 12.0% Spain 8.6% France (la) 7.5% Italy 5.7% Germany 4.2% Latvia 3.4% Netherland s (the)… Belgium 1.4% Czech Republ ic (the) 1.3% Estonia 1.0% Finland 0.8% Austri a… Por t… B… R… N… U… R… C L S A I S United Kingdom of Great Britain and Northern Ireland (the) Greece Poland Spain France (la) Italy Germany Latvia Netherlands (the) Belgium Czech Republic (the) Estonia Finland Austria Portugal Bulgaria Réunion Norway Ukraine Russian Federation (the) International Customer Base International Revenue
  • 12. Excelon (XLON) Coin E-Money Services Crypto Services XLON Chain Our Services 12
  • 13. Online B2B Retail Our Distribution Channels 13 Wholesale Consumer offering • IBAN Accounts (Eur/ Gbp) • Mastercard Debit • Sepa/ Swift/ UKFP/ P2P payments • Crypto Wallet • Crypto Exchange • Defi Earn and Credit Business offering • IBAN Accounts (Eur/ Gbp) • Mastercard Debit • Sepa/ Swift/ UKFP/ P2P payments • Payment links/Qr Codes • Tap to pay – Mobile POS • Business Apps Crypto to the Kiosk • Sell Crypto at Kiosks • Unique technology implementation • 10,000 points of sale at launch • Launch of service Q2/2022 Banking as a Service • Offering our complete offering as a service • One API • Out of the box solution
  • 14. Our own Blockchain & Coin 14 XLON Coin loyalty scheme • Secure • Green • Fast • Smart 1. Free Cash Flow positive by Y2 post investment 2. Reasonable customer acquisition pace and conservative customer profile 3. Future product development will further boost the business • Low Fees • Compliant • Governance XLON Chain unique offering