Nebeus: Bridging Crypto and Traditional Banking for Digital Nomads

Nebeus: Bridging Crypto and Traditional Banking for Digital Nomads

NEBEUS: is an innovative fintech platform that merges traditional banking with cryptocurrency services. Founded in 2014 by Sergey Romanovskiy (CEO/CTO) and Konstantin Zaripov (COO), Nebeus began as one of the first P2P crypto lending platforms and later pivoted to centralized crypto-backed lending. Today Nebeus operates worldwide (120+ countries) and is fully regulated: in July 2022 the Bank of Spain approved and registered Nebeus as a Virtual Asset Service Provider (VASP) and crypto custodian (Reg. No. D664). Its core mission is “to help people bring their crypto to traditional finance” by offering a seamless app where fiat and crypto coexist. In practice, Nebeus provides EU-licensed electronic-money accounts, personal IBANs, debit cards, wallets, exchange, lending and staking – all under one roof.

Core Services: Loans, Accounts, Wallet and Exchange

Nebeus offers a full crypto-financial ecosystem. Key services include:

Crypto-Backed Loans: Borrow fiat (USD, EUR, GBP) or stablecoins using major cryptocurrencies as collateral. Nebeus allows loan-to-value (LTV) up to 70% on Bitcoin, Ethereum and other top coins, with terms up to 36 months and zero credit checks. For example, users can tap crypto holdings to get cash without selling assets. Nebeus recently launched a €250M loan liquidity program for retail and corporate clients, ensuring fast funding (2–7 days) and low interest rates.

Multi-Currency Accounts & IBANs: Users get digital bank accounts that hold multiple currencies (USD, EUR, GBP and 20+ cryptocurrencies). Nebeus provides personal euro and UK IBANs, enabling global payments and receipts just like a traditional bank. You can send/receive SWIFT and SEPA transfers, top up via crypto or bank, and withdraw locally via SEPA, Faster Payments or even card transfers. This makes Nebeus popular with digital nomads, freelancers and businesses needing cross-border payments.

Integrated Wallet & Exchange: The platform includes a built-in crypto wallet and exchange. Customers can store 25+ supported tokens (listed on the app) in insured cold storage (98% offline), and instantly buy/sell them at market rates. The Nebeus wallet holds both crypto and fiat together, letting users manage all assets in one interface.

Earning Programs: Nebeus users can earn passive income on crypto. Options include staking and crypto “renting”: lending crypto to Nebeus to earn APY (reported up to ~7.5–13% on major coins). There are also rewards programs – for example, holding balances or using the Nebeus Card yields monthly crypto cashback or token rewards (up to ~8% annual return on selected coins). These incentives help maximize idle holdings.

Above all, Nebeus is designed to bridge crypto and cash. All accounts are linked so that users can instantly convert crypto to fiat (and vice versa) for everyday spending. For instance, a crypto deposit can be swapped on the exchange and then used via the Nebeus card or bank transfer in seconds.

Card Offerings: Exo, Rocket and Virtual Mastercard

A standout feature is the Nebeus Card – a multi-tiered prepaid Mastercard (physical and virtual) that spends both crypto and fiat worldwide. There are three card plans:

Nebeus Exo Card: The premium tier. One-time issuance fee ~$69, plus ~$6.96 monthly (waived with ≥50 Nebeus tokens). It allows up to $1,500/day withdrawals and $5,000/day top-up. Exo users with 50+ Nebeus tokens earn 3% cashback (paid in Nebeus’s token) on all spending.

Nebeus Rocket Card: The mid-tier option. Issuance fee ~$19.60, plus ~$2.60 monthly (waived with ≥25 tokens). It has a $750/day withdrawal limit. Rocket holders with 25+ Nebeus tokens earn 2% cashback on expenses.

Nebeus Virtual Card: A fully digital Mastercard (coming soon). It costs only ~$9 one-time plus ~$1.50 monthly, with similar crypto/fiat spending. Virtual card users earn 1% cashback in Nebeus tokens.

All Nebeus Cards are globally accepted (millions of merchants) and can be topped up instantly from your Nebeus account using any supported crypto or fiat. Importantly, Nebeus maintains all crypto converting on-chain at real rates – so you always know the conversion fee when you swipe.

Security, Insurance and Institutional Partners

Nebeus prioritizes security and compliance. Key features include:

Cold Storage & Insurance: Nebeus stores the vast majority of user crypto offline in insured vaults. Assets are safeguarded by industry-leading custodian BitGo (with $64+ billion under custody), adding a layer of institutional security. The platform’s insured cold storage pool currently covers up to $250 million of Bitcoin/Ether holdings.

Account Protections: Every transaction requires multi-factor authentication. Nebeus enforces strong 2FA (Google Authenticator), along with unique PINs for withdrawals and critical actions. Users must verify their identity (KYC) before funding accounts. According to reviews, 98% of assets are kept offline to eliminate hacking risk.

Regulatory Compliance: Nebeus is an officially licensed entity. It is registered with the Bank of Spain as a Crypto Custodian and VASP (Reg. No. D664). This means it follows strict AML/KYC rules like a bank. In addition, Nebeus’s EU money accounts are provided by regulated e-money institutions (e.g. via partner Modulr).

Technology Partners: To bridge crypto-fiat smoothly, Nebeus partners with Visa and Modulr (embedded payments). Since 2022, Modulr provides Nebeus with the underlying accounts and issuing platform, enabling virtual IBANs and programmable cards. In January 2023 Nebeus launched its Visa debit card network across Europe, allowing Apple/Google Pay and secure instant freezes/spend alerts. These partnerships give Nebeus users a payment experience on par with traditional banks, but crypto-enabled.

Together these measures give Nebeus users peace of mind: their funds are held in cold storage by top custodians, every transaction is 2FA-protected, and the company is held to banking standards by regulators.

Designed for Freelancers, Businesses and Crypto Enthusiasts

Nebeus caters to digital-first users:

Freelancers & Digital Nomads: Nebeus lets contractors invoice and get paid in any currency – whether that’s Bitcoin or euros. It provides invoice tools, global IBANs, and instant local payouts. Freelancers can then spend earnings via the Nebeus Mastercard anywhere or withdraw to their local bank account without high fees. This flexibility helps remote workers get paid worldwide as easily as if they had a local bank.

Small/Mid Businesses: Companies can open corporate crypto-accounts and IBANs to pay employees or suppliers internationally. Nebeus offers bulk payout APIs and mass-payment solutions (crypto or fiat), so firms can reimburse dozens of contractors or distribute affiliate payments in one click. Business accounts come with multi-user access and reporting, streamlining accounting for firms dealing in both crypto and cash.

Crypto Investors and Traders: For crypto enthusiasts, Nebeus is a one-stop platform. Users can deposit crypto to Nebeus wallets, instantly trade or move assets, then earn yield or borrow against them. The Nebeus App supports 25+ tokens (from Bitcoin and Ether to stablecoins and altcoins), letting investors manage portfolios alongside fiat holdings. Plus, Nebeus offers tools like staking, crypto renting, and an embedded exchange to swap coins at transparent fees. In short, holders and traders use Nebeus to “bridge the gap between crypto and cash”.

Notably, Nebeus’s global reach (120+ countries) and multi-currency support make it appealing to expats and global professionals. Customers often praise Nebeus as an app that “fully meets [their] needs – using stablecoins for operations”.

Conclusion: Why Choose Nebeus and How to Start

Nebeus stands out by offering a regulated, all-in-one crypto-banking app. Unlike a typical exchange or bank, Nebeus fuses both worlds: users get a licensed bank account (with IBANs and cards) plus an integrated crypto ecosystem (wallet, exchange, loans, rewards). This unique combination lets customers seamlessly move between crypto and fiat without juggling multiple platforms.

To get started, visit nebeus.com or download the Nebeus mobile app (iOS/Android). You can open a personal or business account, complete quick ID verification, and immediately start funding your wallet with crypto or fiat. From there you can convert currencies, spend via the Nebeus card at any merchant, issue invoices or payroll, stake coins, or apply for a crypto-backed loan – all in one dashboard. Nebeus’s attractive rewards and transparent fees make it easy to try: even small users benefit from cashback and interest programs.

In summary, Nebeus offers freelancers, companies and crypto users a competitive edge: a fully compliant platform that bridges crypto and traditional finance with security and simplicity. By combining banking-grade security and regulation with flexible crypto features, Nebeus empowers a modern global clientele to manage money and digital assets in one place.

Sources: Official Nebeus documentation and press releases, supplemented by fintech news outlets. These confirm Nebeus’s services, regulatory status and features.