FinTech & InsureTech - Blockchain: Company presentation by Inga Mullins, Co-Founder of FLUENCY at the NOAH Conference London 2019, 30-31 October, Old Billingsgate.

1. Goodbye crypto exchange
Frictionless.Borderless.
Hello FLUENCY
The world’s first crypto bank

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3. Buying and using cryptocurrency is still slow, expensive
and risky. Banks don’t hold cryptocurrency.
Withdrawal fee
up to 10%
Trading fee per side
1.49-5%
Deposit fee
4-6%
Bank
Crypto
ExchangeBank
KYC & Fiat
Deposit
3-8 days
Transfer
Globally
Fiat
Withdrawal
2-10 days
Bank

4. Fluency is neither a neobank, nor a crypto exchange.
We’re pioneering crypto banking - a new market!
We offer
smoother user experience
than crypto exchanges
We can monetize crypto
assets in ways
that banks cannot

6. KYC &
Instant
Deposit
Instant. Free*
FX: interbank rate
Faster Payments
SEPA or
SWIFT
EUR, GBP current account
& Multi-currency
(25 currencies)
Use 5 cryptocurrencies and 25 fiat currencies interchangeably.
Crypto
storage
🇨🇭
In minutes
Crypto banking
Crypto
Frictionless.Borderless.
Fiat
Trading
any form
of currency
Free Instant Swiss hardware.
Never hacked
&
* crypto to fiat exchange up to £5,000

7. We’ve built unique partnerships & game-changing tech.
AI-powered
KYC verification
01
Crypto-flow AML inc.
source of crypto &
sender identity
02
Crypto brokerage
connected to blockchain
& secure hardware storage
03Multi-currency
Banking & FX
04
05
Debit card
processing
.
06
Fiat-flow
AML
We’ve built relationships with 9 market leaders.
Our partners are regulated in the UK, Switzerland, Gibraltar, Malta & 44 US States.
Fluency conducted workshops with all our partners where our infrastructure and money flows
were vetted to ensure regulatory compliance.
We’ve rebuilt banking from the ground up with crypto in mind.

8. Management Team
MICHAL WOJCIECHOWSKI
CEO & Co-founder
INGA MULLINS
COO & Co-founder
PAWEL BRATANIEC
CTO & Co-founder
Skills: M&A, finance, marketing & people.Skills: trading, finance, sales. Skills: banking technology.
Former FX brokerage
start-up Co-founder
Former FX brokerage
start-up Co-founder

9. Business model
1.49% 1%
per annum
0.49%
Crypto
reserves
Fiat-crypto,
crypto-crypto exchange
FX
Exchange
Cash ATM
withdrawal
2%
above £200
Deposits
No withdrawal fee
Crypto-fiat exchange up to £5,000 monthly
Multi-currency banking

10. Timeline & Financial Projections
Timeline:
Financial Projections
App launch in
Feb 2020
We’re raising
£1 million
Breakeven in
2020

11. Get in touch!
www.fluencybank.com
Inga Mullins
email: inga@fluencybank.com
skype: Inga Mullins