INVEST IN UNBANKED TODAY!

Connecting DeFi and cryptocurrencies to banks, cards, and other legacy finance

At Unbanked, our fintech platform powers the card programs for renowned Web3 companies like Nexo, Litecoin Foundation, StormX, Stacks, and more. Currently in the market, we enable the issuance of crypto debit cards for residents of more than 75 countries - that’s over 3.1 billion people.

This Reg CF offering is made available through StartEngine Capital, LLC. This investment is speculative, illiquid, and involves a high degree of risk, including the possible loss of your entire investment.
Unbanked

$71,415.95 Raised

REASONS TO INVEST

Reasons Icon

Designed to give your cryptocurrency real-world utility, our blockchain technology enables people to buy cryptocurrency with a bank account or spend cryptocurrency on a debit/credit card.

Reasons Icon

Cryptocurrencies and DeFi are rapidly disrupting the legacy finance ecosystem, bringing about a paradigm shift in finance. Cryptocurrency adoption alone hit a market cap of over $2 Trillion dollars in March 2022.*

Reasons Icon

With over $3 million previously raised, Unbanked is currently AMEX’s first partner for NFT Cards, a VISA FastTrack Enablement partner, and continuing to work with industry-leading customers from Paxful and Nexo to Litecoin Foundation. We are committed to a future of advancing human freedom and financial control.


*Market information provided by Fortune (source)





the pitch


We are in the middle of a “Fourth Industrial Revolution” where blockchain and digital currencies are reinventing the global financial system and bringing in the “Web3” era.  The problem is that managing digital currency can be scary for people and have a steep learning curve.  However, many already use and understand legacy financial products like Bank Accounts and Debit Cards.  Unbanked brings together the efficiency and utility of digital currencies with the familiarity of existing financial system.   Launched in 2018, Unbanked has grown exceptionally fast reaching $19.9 Million in revenue in 2021 and made #327 on the Inc 5000 list of fastest growing companies!  Unbanked is a recent winner of the Shark Pitch competition and has raised over $2M so far.  In addition, over 20 Web3 companies license Unbanked's platform to provide their customers with crypto powered debit cards. 





Get Unbanked: It’s your currency



Unbanked offers a suite of financial products designed to give your cryptocurrency real-world utility. Whether pairing with one of today’s leading digital payment platforms, or swiping your card in person at one of the millions of supported locations worldwide, Unbanked puts your money back in your hands.



Providing B2B2C services for Web3 companies, we offer 5-minute customer signups, buying + selling crypto, debit cards, rewards capabilities, and seamless connection of your crypto with traditional fintech and banking solutions.




The Problem & Our Solution


Unbanked brings banking technology into the digital currency era



After 50 years of using the same technology, we feel consumers expect more than what traditional banks can offer. We believe people have become accustomed to the ease of modern tech-enabled service platforms, especially as banking tech is slow, expensive, and time consuming.



Unbanked introduces a new kind of banking experience that empowers everyone to participate in the financial system—whether they choose to work with a legacy institution or take complete control by becoming their own custodian of blockchain-based assets.



Our platform puts mobile digital banking first; and, with blockchain technology, we're able to provide a better, cheaper, faster experience - putting your money back in your hands.




You can pair your card with Apple, Google, or Samsung Pay to make payments or swipe normally.  You can also fund your card with cryptocurrency, an Unbanked bank account, or at thousands of retailers worldwide like Walmart, Walgreens, and 7-11.


StartEngine Bonus! Create your Unbanked account now and get a $10 bonus when you deposit $100 or more!




Our business model


Using economies of scale to fuel revenue growth



Unbanked shares in all fees generated from the users who interact with our platform either through our card programs, bank accounts, or our white-label partnerships who pay a licensing fee in addition to the sources below. Typically, it is a combination of factors.



While fees help us make money, we want to keep them low—and rather use economies of scale to make money from our customers. A smaller piece of a bigger pie.



The Market & Our Traction


With over $2 million previously raised, Unbanked has robust revenue growth, in a market valued  in the trillions


Cryptocurrency adoption is rapidly increasing - hitting a market cap over $2 Trillion dollars in March 2022 and forecasting 221 Million users this year alone.



We see this as a young market with lots of potential. In order to get the next 500 Million people interacting with crypto, we believe they need tools they're familiar with—like bank accounts and debit cards. That’s where we come in.



Unbanked is often compared to other crypto card companies, but our product is so much more than that. Like traditional banks, we offer bank accounts that hold cash and debit cards for spending; but like crypto companies, we enable those bank accounts to buy and withdraw crypto, or to use that crypto and spend it on a debit card.



Based on our traction, it’s clear to us that people want more control over their finances. And so far, customers are letting us know just how much they are getting out of our services.


*These testimonials may not be representative of the experience of other customers and is not a guarantee of future performance or success.







Why Invest


Tapping into the next generation of digital currency banking by transforming financial access and control 


The future of Unbanked is growing our customer base and entering into as many global markets as possible, including the EU, LATAM, APAC, EMEA, Canada, and others.  



Doing this properly means collaborating with regulators and ensuring we adhere to local laws. We also have an ambitious roadmap of new products and services we intend to bring to the marketplace, some including:


*The information included above is forward looking information. Please refer to our risk factors section in our Form C and to our Forward Looking Information Legend included in our Terms section on this page.


Our founders believe financial access and control is a human right. The fact that it can be enabled through the blockchain led them to rebel against the status quo, which we believe has plagued traditional banking for years. Now’s the time to bring banking technology into the digital currency era. Invest in Unbanked today, and invest in a future of financial control. 




Code View
Insert Image (⌘P)

ABOUT

HEADQUARTERS

3010 HAVEN RESERVE
ALPHARETTA, GA 30004
VALUATION

$115M

At Unbanked, our fintech platform powers the card programs for renowned Web3 companies like Nexo, Litecoin Foundation, StormX, Stacks, and more. Currently in the market, we enable the issuance of crypto debit cards for residents of more than 75 countries - that’s over 3.1 billion people.

TEAM

Ian Kane
Ian Kane
Co-CEO, Director and Co-Founder

I have worked in technology & digital media for over 15 years with a heavy focus on business development, sales, and strategy. My career started as the 1st employee in a media startup which grew into a $50mm a year business during my tenure. I had the opportunity to work in both early-stage and mature organizations, be a part of acquisitions on the buy and sell side, and drive go-to-market strategy for various data and media products.

As an advisor and investor in other ad tech companies, I always look to create value and continually broaden my knowledge of the ever-changing landscape. My background enables me to bring unique insight and experience to the next set of challenges I face.

Daniel Gouldman
Daniel Gouldman
Co-CEO, Director and Co-Founder

When I was 17 years old - I was homeless. I lived out of my car, worked two jobs and found a way to graduate high school. 

20 years later - I was able to be in a position to work for myself. I now own several businesses and hope to make a difference for others over my next 20. 

I'm a highly political person with an avid interest in geopolitics, history and business. I'm more concerned with doing what's right than what's popular.

Keith Johnson

Keith Johnson

General Manager

Keith Johnson is a disciplined and results driven Business Partner and engineer with demonstrated achievement in product management, strategy, and business development. Mr. Johnson has led both hardware, software, and managed services product teams with annual revenue in excess of $100M dollars. Keith has proven credibility to create bottom-line oriented product roadmaps and business plans.

Corey Ballou

Corey Ballou

CTO

Mr. Ballou oversees the development of Unbanked's core products. BlockCard is Unbanked’s US-based cryptocurrency debit card that lets you spend your crypto anywhere.

Mr. Ballou is a seasoned developer that has been custom-building websites and applications for over two decades. Mr. Ballou has five years of fast-paced development experience at two leading design and development agencies in Charlotte followed by an additional six years working on building and launching startups for some amazing companies. Most notable is his work as a lead developer for .CO Internet. Briefly following a successful Super Bowl ad launch with partner GoDaddy, .CO was sold to Neustar for $109M in 2014. Mr. Ballou has owned and operated his own web development consultancy since 2012. Since then, Corey has had the pleasure of working with several successful startups to build out their custom web applications.

Anne Blanchard

Anne Blanchard

Head of Human Resources

I have worked in Fintech, Publishing and Digital Media for over 15 years. I've had the benefit of working for both mature companies and startups with a heavy focus on HR, Operations, Business Development, & Sales. Recently I have allocated some time on advising startups in a few categories. I always seek a challenge and the opportunity to learn something new. Whether it is HR, publishing, digital media or even dabbling in cryptocurrency - I am always open to connecting with those interested in building something new.

Mark Morales

Mark Morales

Director

Mark Morales was born and raised in Austin, Texas. He began his career as an Assistant District Attorney after graduating from the Texas Tech School of Law in 2001. In his lengthy career, he has been honored by many awards and recognitions. Mark was nominated by his peers and then selected by Thompson Reuters to be featured in Texas Monthly magazine as a SUPER LAWYER in 2016. Mr. Morales has spent the majority of his career, defending citizens accused of crimes. For the last 5 years, Mr. Morales has been a self-employed attorney under Mark Morales and Associates, which is his principal business.

TERMS

Unbanked
Overview
INTEREST RATE
0%
AMOUNT RAISED
$71,415.95
VALUATION CAP
$115M
Breakdown
MIN INVESTMENT
$250.00
DISCOUNT RATE
20.0%
CONVERSION TRIGGER
$1,000,000.00
OFFERING TYPE
Simple Agreement for Future Equity
TYPE OF EQUITY
Class B Common Stock


Company

:

Unbanked, Inc.

Corporate Address

:

3010 HAVEN RESERVE, ALPHARETTA, GA 30004

Offering Minimum

:

$10,000.00

Offering Maximum

:

$2,764,218.76

Minimum Investment Amount

(per investor)

:

$250.00











Terms


Offering Type

:

Crowdfunding Simple Agreement for Future Equity

Type of Equity Converted Into

:

Class B Common Stock

Conversion Trigger

:

$1,000,000.00

Maturity Date

:

Two years from final closing

Valuation Cap

:

$115,000,000.00

Discount Rate

:

20.0%

Annual Interest Rate

:

0.%
















What is Simple Agreement for Future Equity?

A Simple Agreement for Future Equity offers you the right to receive Class B Common Stock in Unbanked, Inc.. The amount of Class B Common Stock you will receive in the future will be determined at the next equity round in which the Company raises at least $1,000,000.00 in a qualified equity financing. The highest conversion price per security is set based on a $115,000,000.00  Valuation Cap or if less, then you will receive a 20.0% discount on the price the new investors are paying.  You will receive no interest on your investment.  When the maturity date is reached, if the note has not converted then you are entitled to receive Class B Common Stock equal to your investment and interest back at a price per security determined by dividing the Valuation Cap by the aggregate number of outstanding equity securities of the Company as of immediately prior (on a fully diluted basis).




Irregular Use of Proceeds

The Company will not incur any irregular use of proceeds.

PRESS

Article Image
Coinspeaker

Unbanked’s Bankers NFT Drop Isn’t Just About Owning Digital Art: It Has a Real DeFi Utility

Article Image
GlobeNewswire

Blockchain Powered Fintech Company, Unbanked, Ranks No. 327 on the 2022 Inc. 5000 Annual List

Article Image
COINTELEGRAPH

Projects are collecting Toys for Tots crypto donations this holiday season

Article Image
BITCOINIST

Fintech Entrepreneurs Launching Blockchain Cards with Unbanked

Article Image
BLOCKONOMI

Ternio & Blockcard Evolves: Rebrands to Unbanked, A Next Generation Financial Solution

ALL UPDATES

01.24.23

Meet The Team Video Series: Corey Ballou

In our Meet The Team series, I am introducing our followers and investors to the Leadership Team at Unbanked through a series of personal video interviews. Check the previous updates in case you missed any!

Unbanked was founded in 2018 by Ian Kane and Daniel Gouldman with a simple mission: Give customers a better, faster, and cheaper way to transact value with one another no matter if they were across the street or across the world. The founder’s belief that financial access and control is a human right that can be enabled through the blockchain led them to rebel against the status quo which has plagued traditional banking for years. Building on that mission, Unbanked was born, providing a suite of tools for anyone looking to have more freedom and control over their money.

In today's update, I'd like to introduce Corey Ballou, Unbanked's Chief Technology Officer. Corey has been with Unbanked from the beginning and has played a critical role in building out our infrastructure so the Unbanked platform to support millions of users across multiple geographies.  Unbanked's platform is dynamic and API driven, creating a powerful suite of crypto-friendly banking-as-a-service tools.

Meet Corey Ballou

Corey Ballou - Unbanked - Can the Unbanked platform support millions of customers?

Corey Ballou - Unbanked - What technology do you work with?


01.19.23

Meet The Team Video Series: Keith Johnson

In our Meet The Team series, I am introducing our followers and investors to the Leadership Team at Unbanked through a series of personal video interviews. Check the previous updates in case you missed any!

Unbanked was founded in 2018 by Ian Kane and Daniel Gouldman with a simple mission: Give customers a better, faster, and cheaper way to transact value with one another no matter if they were across the street or across the world. The founder’s belief that financial access and control is a human right that can be enabled through the blockchain led them to rebel against the status quo which has plagued traditional banking for years. Building on that mission, Unbanked was born, providing a suite of tools for anyone looking to have more freedom and control over their money.

In today's update, I'd like to introduce Keith Johnson, Unbanked's General Manager. Keith has been with Unbanked since our earliest days and has played a vital role in keeping our operations running and ensuring we are compliant with our approach in every country we operate in.

Meet Keith Johnson

Keith Johnson - Unbanked - How do we navigate global compliance?


Keith Johnson - Unbanked - What countries do you support?

01.13.23

Over $30,000 Raised 🔥

Over $30,000 Raised 🔥

Unbanked has raised over $30,000 in our first week.  Join our mission & become an owner. Limited shares are available at a 20% discount.  

  👉 Invest in Unbanked Now 👈

01.12.23

Meet The Team Video Series: Daniel Gouldman

I'm going to be doing a series of updates introducing all of our followers and investors to the Leadership Team at Unbanked through a series of personal video interviews. Check the previous updates in case you missed any!

Unbanked was founded in 2018 by Ian Kane and Daniel Gouldman with a simple mission: Give customers a better, faster, and cheaper way to transact value with one another no matter if they were across the street or across the world. The founder’s belief that financial access and control is a human right that can be enabled through the blockchain led them to rebel against the status quo which has plagued traditional banking for years. Building on that mission, Unbanked was born, providing a suite of tools for anyone looking to have more freedom and control over their money.

Meet Daniel Gouldman

Unbanked - Who are we? What is our mission?


Unbanked - What have the last 3 years looked like?


01.09.23

UNBANKED TAKES 2ND PLACE IN THE QUORUS-CAPGEMINI NEW TECH CHALLENGE


This is our second year participating in the Quorus-Capgemini New Tech Challenge and we took 2nd place this year!  Last year we placed 1st, so it’s great to participate in this competition and place again.


You can read an interview I did with the team at Quorus here: Open Finance Community payment challenge: Unbanked.com

“I am thrilled that Unbanked took 2nd place in this year’s NewTech Challenge. This is only Unbanked’s second year participating, after taking 1st place last year and I’m grateful Unbanked continues to get such a high regard.  Support from the Quorus community has been fantastic as we continue to work on our mission of connecting digital assets with bank accounts, debit cards, and other legacy financial tools.



01.06.23

UK and Europe is finally here! Residents can now apply for an Unbanked Crypto Card

It’s finally here!  After two years of engaging with Mastercard and regulators of 27 different countries the Unbanked Card for European Residents is available and features our newest card design.  Residents of the United Kingdom and other European countries can register their interest for a user account, deposit their cryptocurrency and, subject to approval, get a card for spending their digital assets. Unbanked card holders can use 15 different cryptocurrencies to fund their user accounts, including BTC, ETH, UNBNK, and more.

 

Cryptocurrency funds are linked to a crypto-backed card, issued by Moorwand, so users can convert cryptocurrency to fiat in real time at merchants where cards are accepted. The card provides a unique set of financial, payment and crypto services that improve the accessibility and utilization of digital currencies for cardholders.

“We have worked for over two years on building this exciting solution to make the Unbanked Card available to interested users in Europe,” said Daniel Gouldman, Co-Founder and Co-CEO of Unbanked. “It’s great to know with this launch, we will be able to provide residents in the U.K. and parts of Europe access to one of the most innovative crypto-powered cards in market.”


We are currently supporting residents in the following countries with additional countries going through the approval process.

Portugal, Croatia, Bulgaria, Slovenia, Germany, United Kingdom, France, Spain, Poland, Belgium, Greece, Finland, Latvia, Italy, Sweden, Liechtenstein, Denmark, Malta, Lithuania, Slovakia, Luxembourg, Estonia, Norway, Hungary, Czech Republic (Czechia), Romania, Ireland

JOIN THE DISCUSSION













0/2500

HOW INVESTING WORKS

Cancel anytime before 48 hours before a rolling close or the offering end date.

WHY STARTENGINE?

REWARDS

We want you to succeed and get the most out of your money by offering rewards and memberships!

SECURE

Your info is your info. We take pride in keeping it that way!

DIVERSE INVESTMENTS

Invest in over 200 start-ups and collectibles!

With Regulation A+, a non-accredited investor can only invest a maximum of 10% of their annual income or 10% of their net worth per year, whichever is greater. There are no restrictions for accredited investors.

With Regulation Crowdfunding, non-accredited investors with an annual income or net worth less than $124,000, are limited to invest a maximum of 5% of the greater of those two amounts. For those with an annual income and net worth greater than $124,000, he/she is limited to investing 10% of the greater of the two amounts.

At the close of an offering, all investors whose funds have “cleared” by this time will be included in the disbursement. At this time, each investor will receive an email from StartEngine with their Countersigned Subscription Agreement, which will serve as their proof of purchase moving forward.

Please keep in mind that a company can conduct a series of “closes” or withdrawals of funds throughout the duration of the campaign. If you are included in that withdrawal period, you will be emailed your countersigned subscription agreement and proof of purchase immediately following that withdrawal.

StartEngine assists companies in raising capital, and once the offering is closed, we are no longer involved with whether the company chooses to list shares on a secondary market, or what occurs thereafter. Therefore, StartEngine has no control or insight into your investment after the close of the live offering. In addition, we are not permitted to provide financial advice. You may want to contact a financial professional to discuss possible investment outcomes.

For Regulation Crowdfunding, investors are able to cancel their investment at any point throughout the campaign up until 48 hours before the closing of the offering. Note: If the company does a rolling close, they will post an update to their current investors, giving them the opportunity to cancel during this timeframe. If you do not cancel within this 5-day timeframe, your funds will be invested in the company, and you will no longer be able to cancel the investment. If your funds show as ‘Invested’ on your account dashboard, your investment can no longer be canceled.

For Regulation A+, StartEngine allows for a four-hour cancelation period. Once the four-hour window has passed, it is up to each company to set their own cancelation policy. You may find the company’s cancelation policy in the company’s offering circular.

Once your investment is canceled, there is a 10-day clearing period (from the date your investment was submitted). After your funds have cleared the bank, you will receive your refund within 10 business days.

Refunds that are made through ACH payments can take up to 10 business days to clear. Unfortunately, we are at the mercy of the bank, but we will do everything we can to get you your refund as soon as possible. However, every investment needs to go through the clearing process in order to get sent back to the account associated with the investment.

Both Title III (Regulation Crowdfunding) and Title IV (Reg A+) help entrepreneurs crowdfund capital investments from unaccredited and accredited investors. The differences between these regulations are related to the investor limitations, the differing amounts of money companies are permitted to raise, and differing disclosure and filing requirements. To learn more about Regulation Crowdfunding, click here, and for Regulation A+, click here.

RAISED
$71,415.95
INVESTORS
81
MIN INVEST
$250.00
VALUATION CAP
$115M

@ 2022 All Rights Reserved

Apple Store Logo

Get To Know Us

Our Team

Careers

Blog

Important Message

IN MAKING AN INVESTMENT DECISION, INVESTORS MUST RELY ON THEIR OWN EXAMINATION OF THE ISSUER AND THE TERMS OF THE OFFERING, INCLUDING THE MERITS AND RISKS INVOLVED. INVESTMENTS ON STARTENGINE ARE SPECULATIVE, ILLIQUID, AND INVOLVE A HIGH DEGREE OF RISK, INCLUDING THE POSSIBLE LOSS OF YOUR ENTIRE INVESTMENT.


www.StartEngine.com is a website owned and operated by StartEngine Crowdfunding, Inc. (“StartEngine”), which is neither a registered broker-dealer, investment advisor nor funding portal.


Unless indicated otherwise with respect to a particular issuer, all securities-related activity is conducted by regulated affiliates of StartEngine: StartEngine Capital, LLC, a funding portal registered here with the US Securities and Exchange Commission (SEC) and here as a member of the Financial Industry Regulatory Authority (FINRA), or StartEngine Primary, LLC, a broker-dealer registered with the SEC and FINRA/SIPC . You can review the background of our broker-dealer and our investment professionals on FINRA’s BrokerCheck here. StartEngine Secondary is an alternative trading system regulated by the SEC and operated by StartEngine Primary, LLC, a broker dealer registered with the SEC and FINRA. StartEngine Primary, LLC is a member of SIPC and explanatory brochures are available upon request by contacting SIPC at (202) 371-8300.


Investment opportunities posted and accessible through the site are of three types:


1) Regulation A offerings (JOBS Act Title IV; known as Regulation A+), which are offered to non-accredited and accredited investors alike. These offerings are made through StartEngine Primary, LLC (unless otherwise indicated). 2) Regulation D offerings (Rule 506(c)), which are offered only to accredited investors. These offerings are made through StartEngine Primary, LLC. 3) Regulation Crowdfunding offerings (JOBS Act Title III), which are offered to non-accredited and accredited investors alike. These offerings are made through StartEngine Capital, LLC. Some of these offerings are open to the general public, however there are important differences and risks.


Any securities offered on this website have not been recommended or approved by any federal or state securities commission or regulatory authority. StartEngine and its affiliates do not provide any investment advice or recommendation and do not provide any legal or tax advice with respect to any securities. All securities listed on this site are being offered by, and all information included on this site is the responsibility of, the applicable issuer of such securities. StartEngine does not verify the adequacy, accuracy or completeness of any information. Neither StartEngine nor any of its officers, directors, agents and employees makes any warranty, express or implied, of any kind whatsoever related to the adequacy, accuracy, or completeness of any information on this site or the use of information on this site. See additional general disclosures here.


By accessing this site and any pages on this site, you agree to be bound by our Terms of use and Privacy Policy, as may be amended from time to time without notice or liability.


Canadian Investors Investment opportunities posted and accessible through the site will not be offered to Canadian resident investors. Potential investors are strongly advised to consult their legal, tax and financial advisors before investing. The securities offered on this site are not offered in jurisdictions where public solicitation for offerings is not permitted; it is solely your responsibility to comply with the laws and regulations of your country of residence.


California Investors Only – Do Not Sell My Personal Information (800-317-2200). StartEngine does not sell personal information. For all customer inquiries, please write to contact@startengine.com.


StartEngine’s Reg A+ offering is made available through StartEngine Crowdfunding, Inc. This investment is speculative, illiquid, and involves a high degree of risk, including the possible loss of your entire investment. For more information about this offering, please view StartEngine’s offering circular and risk associated with this offering.