Banking 24/7/365 IB-EX

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Digital Global Banking

Multi Currencies / EUR, USD & Crypto

Exchange & Payment Solutions

Asset Protection

Bank guaranteed Investments

Table of Contents

Performance

iB-EX is a global financial institution that offers the best crossborder banking and financial services, including those paid to merchants, payment methods and innovative financial solutions based on technology.

Our core strategic priorities Parthership

Partnerships are crucial to the success of our business. Our partners remain at the core of our partnership approach

Project delivery

Our reputation fordelivery is extremely important to our success as a business and we pride our selves on meeting our delivery commitments

Innovation

iB-EX has a start-up mentality and innovation is at the core of what we do

Customer service

Our commitment to customer service is crucial to the success of our business

Compliance and security

Compliance,security, fraud and risk management is of pivotal importance to our business

Corporate social responsibility

We do not partner with any business that contravenes our corporate values. We strive for financial included

The business of iB-EX

iB-EX is a leading e-money payments institution that specializes in cross border payments, prepaid card issuing, multicurrency services and provides banking facilities via its own technology platform

iB-EX is one of the fastest growing issuers of Mastercard prepaid products in Europe, with programs live in 24 countries and the ability over 22 different currencies. Our products, services and cutting edge technology platforms are utilized by governments, local authorities, trade houses, mobile network operators and corporates globally.

iB-EX at a glance
  • Trading since 2013

  • Operating in the global cross border payments, prepaid payments, electronic money, multicurrency and alternative banking space

  • Botswana based, IFSC certified entity

  • Regulated by Bank of Botswana / Non-Bank Financial Regulatory Authority

  • Issuer, program manager, acquirer, technology provider and customer service all in one

  • Providing prepaid cards, e-wallets, corporate solutions, payroll cards, virtual cards, mobile payments, contactless and HCE solutions, travel cards, government solutions

  • One of first suppliers of a true multi-currency products 15 currencies on one card

  • Providing agency banking and direct payments in Germany and the world since 2012

  • One of the first nonbank entities to provide Eurozone current accounts enabling SEPA payments in and out + direct debits

Licenses Compliance

International Financial Services Centre (IFSC)

Regulated by the International Financial Services Centre (IFSC) in Botswana, a part of Bank of Botswana / Non-Bank Financial Regulatory Authority (NBFIRA) iB-EX is authorised to carry out the following services:

  • Lending (including, without limitation, the provision of consumer credit or mortgage credit, factoring with or without recourse, financing of commercial transactions (including forfeiting) and advancing loans against cheques).

  • Financial leasing

  • Operating a money service business (including, without limitation, a business providing money or value transmission services, currency exchange (bureau de change) and cheque cashing).

  • Facilitating or transmitting money or value through an informal money or value transfer system or network

  • Issuing, redeeming, managing or administering means of payment, means of payment includes, without limitation, credit, charge and debit cards, cheques, travellers‘ cheques, money orders and bankers‘ drafts and electronic money

  • Providing financial guarantees or commitments

  • Trading (by way of spot, forward, swaps, futures, options, etc.) in money market instruments (including, without limitation, cheques, bills and certificates of deposit) foreign exchange, exchange, interest rate or index instruments, and commodity futures, transferable securities or other negotiable instruments or financial assets

  • Participating in securities issues and the provision of financial services related to such issues, including, without limitation, underwriting or placement as agent (whether publicly or privately)

  • Providing settlement or clearing services for financial assets including, without limitation, securities, derivative products or other negotiable instruments

  • Providing advice to undertakings on capital structure, industrial strategy or related questions, on mergers or the purchase of undertakings except where the advice is provided in the course of carrying on the business of a lawyer or accountant

  • Money broking

  • Money changing

  • Providing individual or collective portfolio management services or advice

  • Providing safe custody services

  • Providing services for the safekeeping or administration of cash or liquid securities on behalf of clients

  • Carrying on the business of a credit union

  • Accepting repayable funds other than deposits

  • Otherwise investing, administering or managing funds or money on behalf of other persons

  • Arranging the buying or selling of, or otherwise dealing in, bullion or buying or selling postage stamps
Anti-money laundering

Anti-money laundering and counter financing of terrorism, Singapore (AML/CFT). Regulated in multiple jurisdictions; The company is required to perform customer due diligence on new clients and on going business services as detailed below:

  • New client Customer Due Diligence
  • New client Identity checks (KYC)
  • Duty on suspicious transaction reporting
  • Customer due diligence
  • Ongoing Relationships
  • Account Monitoring
  • Transaction monitoring
  • Client Information Reviews
     iB-EX is required to comply with the AML/CFT rules set by OECD standards, and
    the International world as a bare minimum

Providers

Mastercard Europe
  • Principal member

  • Preferred partner in Prepaid

  • Prepaid card issuer

  • Programme manager

  • Certified Acquirer
VISA Europe
  • Principal Member

  • Certified Acquirer
Barclays Agency Banking
  • Own our own Sort Code in the UK

  • Ability to provide current accounts
European Payments Council
  • Approved to provide SEPA Credit Transfers in 16 Euro-countries

  • Approved to provide SEPA Direct Debits in 16 Euro-countries

  • We own our own IBAN’s
BACS
  • Certified for Current account switching in the UK

Technology

Card management systems
  • Dedicated cardholder and client IVR

  • Fraud risk management

  • Integrated FX Multi currence

  • Real-time transaction processing

  • Comprehensive account reporting
Cardholder loading options
  • International retail loading networks

  • SMS, Internet, mobile, debit, credit card

  • International bank transfer

  • Faster Payments

  • SEPA transfer
Internal operational capabilities
  • Program implementation & management

  • Fulfilment services for B2B/B2C clients

  • Advanced reporting & reconciliation

  • Clearing and settlement solutions

  • Full end to end solution
Client services
  • UK based customer service – multiple languages covered

  • Expert programme implementation

  • Marketing support

  • Designated project manager

  • Consultancy services

  • Custom card, website and fulfilment design
Cardholder account management systems
  • SMS, iPhone, Android

  • Website – multi lingual IVR

  • Cardholder portal (CHP)
Client loading options
  • Batch loading

  • Corporate Wallet solution

  • Real-time API integrations to 200K+ loading locations

iB-EX white label platform

Master account control panel (MACP)

Secure online web portal that provides a white label program total access to the management of their card program as well as ability to download a significant number of reports (real time) for management purposes. iB-EX provides a full user manual for all clients which includes details of reports, user interfaces (web, IVR, CSR, SMS), likely queries, dispute esolution and FAQs. The reporting suite from iB-EX is available 24/7/365 days a year. All reports can be exported into CSV or received in raw data. The data can also be supplied through a real time feed. iB-EX also provide various MI reports which include sales reports, load reports, usage reports, withdrawal reports as well as a range of ad-hoc reports to help drive client programs.

Online web portal

iB-EX provides an online web portal where the cardholder can:

  • View card transactions

  • Print Statements

  • Set up a payment to a bank or third party

  • Set up Standing Orders

  • Enable Direct Debits

  • Make a card to card transfer

  • Load the card

  • Amend customer details

  • The website can be provided to a client either as an i-frame branded website or via API which allows the client have more flexibility over the customisation
Mobile apps

Banco VXL develops and delivers iPhone and Android appswhich can be branded and allows the cardholder to manage their card via their smartphone. The features include loading, card to card transfer and blocking the card. There is a realtime control platform that can be linked to the phone and card for greater customer control. Similar functionality is also available by SMS so a cardholder does not need to have a smart phone to be able to manage their card.

APIs

PFS has a strong technology background and has developed a series of APIs that can be used to integrate with a client to allow the client have more control over the way the functionality is delivered to the cardholder. A number of clients have taken these APIs so that the services is integrated into their existing systems.

Fraud monitoring suite

We have developed a fraud prevention tool based on card activity monitoring. The PFS software analyses:

  • IP address of loading (accessing the Cardholder Portal-CHP, checks IP address)

  • Country code of spending (multiple countries in x hours)

  • Length of time between loading and ATM/POS transactions (for example, there is a delay between loading and an ATM transaction of 24 hours on travel cards)

  • Multiple instances of IP addresses logging onto CHP

  • Matching IP address to multiple cards

  • Matching mobile numbers to multiple cards

  • Matching addresses to multiple cards

  • Unusual account activity (velocity checks on ATM and POS, value and volume)

Benefits

Benefits for consumers

Convenience and flexibility in managing exposures to foreign exchange movements.

Control

Multicurrency products provide peace of mind when transacting abroad. Consumers can control their exposure to foreign exchange movements before or during their time abroad and can retrieve unspent funds.

Convenience

Consumers have the choice of either proactively managing their foreign exchange transfers before or during a trip abroad or reducing their exposure by pre-funding the currency of their destination.

Flexibility

Multicurrency products provide flexibility in currencies offered with up to 22 currencies able to be loaded onto the one card.

Security

Funds loaded to multicurrency products are protected by Mastercards Zero Liability Protection Policy and PFSs fraud monitoring software and temporary or permanent blocks on cards.

Top ups

Consumers have the option of topping up funds to multicurrency products either through bank transfer, SEPA transfer, Debit or Credit Card or through Apple Pay / Android Pay / Samsung Pay.

Functionality

Consumers can control their foreign exchange exposure in real-time through a mobile application or cardholder portal and view their transaction history in realtime.

Benefits for corporates

Enhanced control, security and financial reconciliation.

Employees
  • Provide employees with an expense card
  • Reduce expense reconciliation time for employees
  • Increase protection for employees when travelling abroad
  • Support employees in emergencies
Monitoring
  • Enhanced oversight of employee expenses
  • Real-time monitoring and tracking of expenses
  • Alerts and notifications for spend and transaction behavior
  • Enhanced reconciliation process and reporting
Reports
  • Comprehensive expense reporting and reconciliation
  • Traceability of funds and transaction monitoring
  • Real time retrieval of unused funds
  • Finance system integration
Costs
  • Reduce costs in expense management and reconciliation
  • Reduce employee fraud and theft
  • Increase finance department efficiency
  • Reduce foreign exchange and transaction costs

Our USP‘s

Multiple currencies

One of a few providers of 15 currencies on one card

Agile in approach

Due to technology, advantage and size

End-to-end services

Issuing, Program Management, Customer Services, Acquiring and Technology Provider all provided in-house

Aggregated services

Technology can be provided to other issuers in different regions

Multiple processors globally

Not tired to any one provider

Banking solutions

IBAN and account numbers enabling of SEPA Credit Transfer, Direct Debits, Faster Payments and standing orders

Lower cost model

Than other providers due to technology advantage

Global Network

26 Countries

England , Switzerland, Luxemburg, Germany, Sweden, Spain, Ireland, Malta, Monaco, Lithuania, Estonia, Cypress, Portugal, Chech Republic, Gibraltar, Hong Kong, Singapore, Malaysia, Saudi Arabia, Qatar, UAE, Kenya, Boswana, South Africa, Tanzania, and many more…

Global Network

Global Network

Global Network

Products and Services

Products

Prepaid cards
  • General spend reloadable cards
  • Multi-currency cards (15 currencies on one card)
  • Gift card (open and closed loop)
  • Digital / Virtual cards
  • Instant issue cards
  • Vouchers (physical and virtual)
  • Contactless cards and stickers
  • Corporate & Business cards
E-Wallets / Mobile Wallets
Mobile banking apps and multi-currency services

Services

  • Program management
  • BIN sponsorship
  • Acquiring
  • Payment gateway
  • Technology platform
  • Customer services (multi-lingual)
  • Current accounts (UK and Eurozone)
  • Current account switching service (UK)

Cross border payments

With a single integration, iB-EX serves its valued customerswith flexible funding and foreign currency capabilities, smart routing and direct clearing through its global banking network. The company has partnered with Currencycloud Ltd, UK

to provide seamless global cross border payments effective January 2019.

Its cross border payment platform allows clients to make payments to almost anywhere in the world, faster, cheaper and more transparently than ever before. Current traditional cross border payments are unpredictable both in speed and price. This makes ensuring the right amount arrives at the right time a challenge.

Benefits of iB-EX cross border payments:

  • Eliminates complexities
  • Allows payments to be made to almost any where in the world
  • Faster
  • Accurateamounts
  • Allows direct accessto local banks
  • Removes hidden fees
  • Is transparent
  • Rather than investing in building and maintaining the infrastructure, expertise and relationships needed to handle payments, our clients can focus on what matters most:differentiating and growing their business

EUR collections

Simplesetup & EasyCollections

Openyour ‘ house‘ account
  • Integratewith Banco VXL API or create a version of Direct in your brand
  • Customizeend user pricingand perm issions
  • Embed Banco VXLtermsinto your contract

Request unique IBAN

  • Create account usingBanco VXL API
  • Account n umber (IBAN) assigned to account automatically
  • Banco VXLcompliancesigned off

Share Account Number

Banco VXLprovides approved account number to be shared with the end user

Receive funds

  • Your clients can now receive funds into their account
  • Funds are credited to the account same day if sent by 10 am, otherwise early the following day

Currency conversion

  • Convert funds into one of 35 currencies
  • You can apply FXspread is desired

Payoutto Your Customers

  • Instruct payment out of account
  • Payments can be instructed to bank account held by IBAN holder or back to yourselves

EUR collections

Simplesetup & EasyCollections

Openyour ‘ house‘ account

Work with iB-EX on onboarding and API integration to set up ‘house’ account

Request unique VAN

  • Customize end user pricing and permissions
  • iB-EX compliance signed off
  • Account number (VAN) is created for the account

Share Account Number

iB-EX provides approved account number to be shared with the end user

Receive funds

  • Your clients can now receive funds into their account
  • Funds credited to account next day if sent by 9.30am EST

Currency conversion

  • Convert funds into one of 35 currencies
  • You can apply FX spread as desired

Payoutto Your Customers

  • Instruct payment out of account
  • Payments can be instructed to bank account held by VANholder or back to yourselves

Key Features

You own the customer experience
  • Fully branded in your brand
  • Build your own front end on our API’s, or we can brand one for you
  • You name the virtual account issued
  • You own the pricing
  • Full visibility of your customers activity

We look after the infrastructure

  • Convert into 35 currencies at the real-time wholesale FX rate
  • Banco VXL manages compliance
  • Secure
  • Scalable and reliable platform

Competitive value proposition

  • Competitive platform pricing
  • One sign up for USD and EUR
  • No need for senders to register
  • Funds show same day or next day

Prepaid cards

Products for customers
  • Prepaid Debit Card
  • Travel Card Multi Currency
  • Affiliate Payout Card
  • Contactless cards
  • Money Share
  • Digital Cards for Mobile Use
  • Internet/VirtualCard
  • Youth Card
Products for businesses
  • Payroll
  • Corporate Travel & Expense Card
  • Government Spend Card
  • Corporate Incentives

Products and Services

Loading channels
  • Credit or Debit Card loads with iB-EX as the acquirer
  • Bank transfer, including Faster Payments, multiple domestic bank accounts in multiple countries throughout SEPA & SWIFT
  • Mastercard Repower locations across Europe (100,000+ locations and growing)
  • Post Office in progress
  • Physical vouchers (pre printed)
  • Terminal vouchers printed on demand
  • Other integrations with banks and merchants direct
Eurozone current accounts
  • Launched December 2015
  • One of the first non bank entities to provide this solution
  • SEPA payments in and out, Direct Debits, Faster Payments
  • Real time API solution for the creation of IBANaccounts
  • Available across the 19 countries that use the Euro currency
  • All clients are given their own IBAN number (sort code and account number for UK)
  • No more missing payments, no more wrong references real time SMS alerts to users once payments hit the account
Current account switching service(CASS)
  • Recurring payment arrangements can be switched from UK banks to Banco VXL prepaid accounts
Acquiring
  • MOTO,Telephone and online payment acceptance
  • Multiple Integration Options
  • Hosted Payment Pages
  • Real Time API Solution
  • iFrame Solutions
  • Recurring Billing Options
  • On Line Payment Terminal
  • Real time reporting
  • Fully PCI certified solution
  • Integrated to PFScorporate wallet and consumer e-money wallets
  • iPhone and Android App integration options available for consumers and corporates to accept debit/credit card payments
Multicurrency services
  • Convenience and flexibility in managing exposures to foreign exchange movements

Mobile Application

Developed for Android and iOS devices enabling the consumer to top up funds, transfers funds between currencies and lock in favorable exchange rates, send funds to friends and family, and view transaction history.

  • Intuitive, easy to use mobile app design
  • Quick view of available balances in currency purses
  • Multiple load and top-up options for consumers
  • Purchasing foreign exchange made easy
  • Real-time transfer of funds between accounts
  • Real-time exchange of currencies at great rates
  • Live exchange rates for transfers and transactions
  • Transaction history of load, spend, and transfers
  • Comprehensive fee transaction history
  • Temporary blocking of Prepaid Card for security
  • In-app reporting of lost or stolen cards for blocking
  • Control, convenience and security for consumers
Acquisition and Activation

Visual representation of currency options and balances, temporary blocks and locks be placed on the cards, lost and stolen card reporting, and comprehensive transaction information and statement history.

Funds transfer

Consumer can be given the option to send funds between friends and family via a card to card transfer, to a bank account, any Mastercard globally, or back to the corporate wallet for reconciliation where relevant.

FX rates

Competitive foreign exchange rates, view live and historical foreign exchange rates, view post transaction amounts and reconcile foreign exchange transactions app.

Reconciliation

View historical transactions and foreign exchange information, merchant information for easy expense reconciliation.

Mobile Payments

Consumers can leverage Android HCE mobile payments application / Android Pay / SamsungPay for NFC enabled POS transactions.

iB-EX Investment opportunity

A powerful opportunity to protect your assets

Minimum investment: USD 100,000

Minimum term: 12 months

Individual conditions starting with USD 1,000,000

Small packages with 6% per year starting with USD 5.000

Strategy and general information

With long experience in the financial industry, the team behind iB-EX has tailormade an investment product that offers a unique easy to participative investment in the real estate market in combination with the crypto industry at this time.

This can be made through a variation of investments such as, but not limited to, investments in tangible assets like real estate, commodities like the major G10 currency pairs as well as intangible assets like various crypto currencies. The area of investment is carefully analyzed and is determined by the underlying market conditions and the opportunities that are presented from time to time depending upon volatility or other market characteristics.

With the use of various strategies in combination with well-balanced risk management iB-EX takes the best of all worlds. It can almost be viewed, as a managed, managed investment. The goal is to produce a very steady and consists returned made to the investors.

The broad variation of possible investment areas enables the creation of a base where the invested funds will be guaranteed.

Legal Note:

Hi PAST PERFORMANCE IS NO GUARANTEE OF FUTURE RESULTS. INVESTMENTS CAN GO DOWN AS WELL AS UP. CONDITIONS CAN VARY FROM INVESTOR TO INVESTOR AND THEREFORE INFLUENCE PERFORMANCE. Nothing contained in this document should be construed as a solicitation or offer, or recommendation, to acquire or dispose of any investment or to engage in any other transaction. The investment opportunities offered by IB-EX are only offered to potential investors in those countries and regions in accordance with applicable laws and regulations. The information provided in herein is not intended for distribution to, or use by, any person or entity in any jurisdiction or country where such distribution or use would be contrary to law or regulation. This document is not directed to any person in any jurisdiction where the publication or availability of the investment opportunities offered by IB-EX is prohibited, by reason of that person’s nationality, residence or otherwise. Persons under these restrictions must not receive this document. Some services may not be available to certain investors due to regulatory or other constraints either in Switzerland, the United states or elsewhere.

Historical Results

Biography and historical results of iB-EX fund manager Mr. John Andersson

Mr. Anderson has a vast experience from the financial industry and he has been a professional trader, broker, and advisor since 1993. One of many things that he has made is to develop and designed a „Stock Picking“ proprietary algorithm to over perform any equity Benchmark.

Mr. Andersson was the founder and previously CEO of TINCAP Broker A.D, a licensed broker-dealer investment firm in Nordic counties and later in Montenegro, TINCAP LTD was later licensed broker advisor in Belize, and TINCAP Fund LTD hedge fund licensed in BVI. He has high knowledge of financial technical analysis, charts, fundamentals, and programming, accountant expert in international tax planning for private HNWI and companies in matters like CGT, CIT, and PIT.

  • 2006-2009: Natural gas and Crude Oil spreads trader with a market share of 5% on natural gas MarchApril futures.
  • 2010/2011: Traded over 20 billion Italian treasuries on the MOT/TLX market with a peak of 4.75% volume share on a single day. Traded the newly BTP futures on the EUREX exchange with a 20% volume share in a single day. Bond arbitrage on 10Y.
  • 2011/2012: Large Trader registered with the SEC (U.S.A.) with over 200mio USD turnover in a single month. M&A arbitrage. Equities options trader.
  • 2012: Interview in television Canale 5, Mediaset Italy, in a special tv journal about the Cyprus and Europe and Euro financial crisis.
  • In the bull market 2008-2020, with a Nasdaq performance of 850% his designed „Nasdaq 17“ portfolio generated a return of 1450% with an over performance of over 60% per year.
  • Since 2017 he also is a Crypto trader on Bitcoin, Ethereum, Ripple, Litecoin, EOS, NEO, Iota, TRX, BNB, Bitcoin options. Fintech enthusiast he believes in the visions of this decade disrupters like InteractiveBrokers, Binance, Coinbase, Deribit, eToro, MetaTrader, Revolut, Bunq, Transferwise.

He is currently an advisor to several asset management firms and HNWI. In the past 15 years Mr. Andersson has achieved vast experience in the financial area where he has transformed his knowledge into the strategies that IB-EX can offer to their clients with a place where the funds can be guaranteed, should the client wish to have that and at the same time generate a steady return over a long period of time. Since 2014 the average yearly profit has been 14,27% based on the results that have been analyzed. The result is calculated on the gross profit of the account equity before the deduction of commissions, fees, and profit disbursement. More details about historical trading results are available upon request.

Legal Note:

Hi PAST PERFORMANCE IS NO GUARANTEE OF FUTURE RESULTS. INVESTMENTS CAN GO DOWN AS WELL AS UP. CONDITIONS CAN VARY FROM INVESTOR TO INVESTOR AND THEREFORE INFLUENCE PERFORMANCE. Nothing contained in this document should be construed as a solicitation or offer, or recommendation, to acquire or dispose of any investment or to engage in any other transaction. The investment opportunities offered by IB-EX are only offered to potential investors in those countries and regions in accordance with applicable laws and regulations. The information provided in herein is not intended for distribution to, or use by, any person or entity in any jurisdiction or country where such distribution or use would be contrary to law or regulation. This document is not directed to any person in any jurisdiction where the publication or availability of the investment opportunities offered by IB-EX is prohibited, by reason of that person’s nationality, residence or otherwise. Persons under these restrictions must not receive this document. Some services may not be available to certain investors due to regulatory or other constraints either in Switzerland, the United states or elsewhere.

Disclaimer

This presentation has been prepared solely for information purposes and must not be construed as or considered as constituting or giving any investment advice. It does not take into account, in any way whatsoever, the investment objectives, financial situation, or specific needs of its recipients.

This presentation and its contents may not be copied or disseminated, in part or as a whole, without the prior written consent of iB-EX.

This presentation may contain forward-looking information and statements pertaining to iB-EX, its subsidiaries (together, the “), and its and their results. Forward-looking information is not historical. It reflects objectives that are based on management’s current expectations or estimates and is subject to a number of factors and uncertainties, that could cause actual figures to differ materially from those described in the forward-looking statements including those discussed or identified in the documentation publicly released by iB-EX, including its annual report.

iB-EX does not undertake to update such forward-looking information and statements unless required by applicable laws and regulations. Subject to the foregoing, iB-EX has no obligation to update or amend such information and statements, neither as a result of new information or statements nor as a result of new events or for any other reason.

No representation or warranty whatsoever, express or implied, is made as to the accuracy, completeness, consistency, or reliability of the information contained in this document. It may not be considered by its recipients as a substitute to their judgment.