Metisby0x77a7…83EC

Ecosystem Proposal: Zima Bank - your neo-bank on Metis

Voting ended 8 months agoSucceeded

Introduction

Imagine a bank combining the world of traditional finance and the fast-growing world of modern digital cryptocurrencies, all in the palm of your hand, on your phone screen. We are building a new reality of digital finance.

Zima Bank is a medium between TradFi and DeFi, SEPA-connected. Certified by EUPL in accordance with FATCA, compliant with FINTRAC. 50M+ monthly turnover, 150M assets under management.

Driven by Blockchain-oriented mindset, we are happy to deliver our services for both corporates and individuals.

Value Proposition

Our services include:

Corporate and individual IBANs;
Payment processing and bank acquiring;
OTC deals structuring - on-off-ramp;
SEPA & SWIFT, multi-currency transfer options;
Virtual and physical Debit Cards for individuals;
Automatisation of cryptocurrency and traditional financial transactions;
Banking services within Telegram App.

Uniqueness Factor

Zima Bank is the world's first Telegram banking application. Having user friendly interface, it includes сrypto-fiat exchange supporting USDT and TON for convenient in-app conversion, as well as staking program.

Operating previously only via Web version of Zima Bank, in August we officially launched Beta version of our Telegram application and yet achieved great results, having more than 70K+ monthly users.

Benefits for Users

With a preference for the Metis ecosystem, among our core services, we've prepared unique offer to the users:

Open Zima Bank account on Metis and enjoy reduced fees period;
Order Zima Bank Debit card on Metis website and receive $METIS as a reward.

Benefits for Metis Ecosystem

The integration of Zima Bank and the Metis has significant prospects for both projects. For the Metis ecosystem, this is, first of all, the first banking partner. In the context of increasing regulations of the crypto market, such collaborations look especially attractive not only from the point of view of compliance, but also from the broader perspective of the trend of synergy between conditional Web2 and Web3 segments.

Moreover, the joint-marketing program we have developed assumes special bonuses for the Metis as a whole, as well as for projects that are part of it. In addition, it could significantly stimulate the development of on-chain business in general. In the future, we plan deeper integrations with projects within the Metis ecosystem.

Security/Audits

Negotiation process with Hacken/SmartState, TBA

Roadmap

In general, Zima Bank's roadmap includes development in three main directions: Traditional banking, Web 3.0 banking and Investment banking.

Traditional banking

2022:

Сonnecting the Сanadian branch to the Central Bank of Lithuania as a financial operator, obtaining a correspondent account for SEPA transactions;
Acquisition of Desta Finance LTD, Canadian company, for operating activities. Obtaining a license for exchanging virtual assets globally;
Formalizing the legal structure of Zima Bank, obtaining a financial code compliant to apply for a full French banking license.

2023:

Connecting and starting to work with payment providers, exchanges and custodians;
Establishing operational accounts with commercial banks for Desta Finance LTD;
Obtaining SWIFT identification for operational needs.

2024:

Obtaining and starting to work with SWIFT terminal, which will enable autonomous option of SWIFT transfers for bank's customers;
Acquisition of a company in Slovakia with a VASP license for MiCA compliance purposes;
Applying for a full French banking license, receiving guidance and an implementation plan from the European Central Bank (ECB).

2025:

Opening an investment banking division for market making, M&A and asset management business lines;
Enabling 10+ local currencies as transfer methods (HKD, GBP and more);
Obtaining full French banking license.

2. Web 3.0 banking

2022:

Obtaining a crypto license in Comoros islands;
Building MVP, raising seed round with MMPro Trust as a lead provision of banking services in Web 2.0 and Web 3.0.

2023:

Connecting partners in the areas of fiat and virtual assets processing, adding the opportunity to open virtual debit cards for corporate and individual clients;
Raising private First round from 3 000+ angel investors;
Concluding co-operation agreements with strategic partners and bakers.

2024:

Raising private 2 round from VCs, launchpads, KOLs and private investors;
Starting on-ramp/off-ramp transfers for corporate clients on USDT <> EUR, USDT <> USD and vice versa pairs;
Launching v. 1.0 of the world's first Telegram banking app, with options to open an IBAN account and exchange crypto to fiat and vice versa.

2025:

Integrating a seamless swap into IOS/Android Mobile banking apps and Telegram App with the connection TON, Arbitrum, Cardano and Sui chain;
Adding trading functionality to Mobile banking apps and Telegram app, opening up spot trading;
Connection of 3 options for opening debit cards for individuals and legal entities, with the ability to convert to/from crypto.

3. Investment banking

2024:

Signing of a financial support agreement for a part of crypto-fiat transactions within MMPro Trust and Tonkeeper campaign on RWA Store;
Successful exit from ivendPay (equity stake selling) when company valuation grows by x5 since entering the deal;
Providing consulting assistance to clients on legal, tax and accounting matter.

2025:

Connection of a personal account for private and institutional investors to use brokerage services;
Providing an opportunity to work within the trading platform for Market makers, adding personal Market maker for certain types of tokens;
Launch of the OTC platform for investment and brokerage transactions.

Summary

The integration of Zima Bank into the Metis ecosystem not only strategically embraces the win-win model for both projects and users, but also, in a broader sense, can become an example of the integration of one of the leading L2 solutions and a Neo-bank.