Legal Entities

The project works with several companies worldwide in order to operate according to the regulations of each legislation in which My NEO Group platforms are available.

Market Analysis: My NEO Group

Industry Overview:

My NEO Group operates within the cryptocurrency and FinTech industries, which have shown significant growth and technological evolution in the past decade. According to Chainalysis, global investors accrued a total of $162.7 billion in crypto gains in 2021, marking a five-fold increase from the $32.5 billion generated in 20201. Despite a bearish start to 2022, the cryptocurrency market capitalization remained resilient, totaling $1.17 trillion in the second quarter2, suggestive of robust market fundamentals and potential for future growth.

The number of crypto wallet users has grown significantly, with over 81 million users recorded in 2022, a remarkable 190% increase from 2018 to 20203. This growth is indicative of the widespread acceptance and adoption of cryptocurrencies and their associated applications.

Market Position:

My NEO Group occupies a unique space in this vibrant market. With its diverse range of innovative crypto and FinTech applications, My NEO Group successfully bridges the gap between traditional finance and decentralized finance. Moreover, the firm has established a solid reputation in fund management, lending credibility and boosting investor confidence.

Emerging Trends:

An important trend shaping the industry is the rise of Super Apps. Super Apps, like WeChat and Alipay, provide a single point of access for a range of products and services, thereby streamlining user experiences and increasing usage frequency4. Recognizing the potential of this trend, My NEO Group has plans to evolve into a Super App with NEO ONE, consolidating various financial services and technologies under a single platform.

Demographics:

My NEO Group caters to a broad global market, with a significant focus on Asia and Africa, where the Super App concept is widely popular. The firm also services a rapidly growing community of over 1,000,000 users, indicative of its wide market appeal and successful global reach.

Competitive Landscape:

My NEO Group's portfolio of accreditations and licenses gives it a competitive advantage in the marketplace. Its alignment with emerging industry trends and user preferences, particularly its vision to become a Super App, also places it in a strong position to disrupt the financial technology market.

Regulatory Environment:

My NEO Group operates, with these subsidiaries and partners, under the regulatory supervision of multiple jurisdictions, including Switzerland, Lithuania, the UK, Monaco Monte Carlo, Luxembourg, Indonesia, Canada, Dubai, and Estonia, ensuring it remains in compliance with international laws and regulations. Its standing with Self-Regulatory Organisations such as VQF enhances its credibility in the market.

Future Outlook:

In Summary:

My NEO Group's strategic positioning, combined with its commitment to harnessing emerging industry trends and delivering innovative solutions, sets it on a strong trajectory for future growth within the thriving FinTech and cryptocurrency sectors. The firm's robust standing in fund management, global reach, and alignment with consumer demands positions it as a potential market leader in the digital finance industry.

1. Chainalysis

The Super App World 2022

Refresher: What is a super app? Super apps essentially serve as a single point of access for a wide range of products and services. The premise is to have a single app, with one login and a seamless user experience across these products and services, allowing customers to have a ‘go-to’ place for whatever they need.

Most existing super apps started out with just one offering and have expanded their services and reach from there. For instance, WeChat, one of the best-known Chinese super apps, is often known as an ‘app for everything’. But it started out purely as a messaging app and built out the platform to include broader media and communications services and payments.

They now have more than a billion active users on a daily basis. Alipay, also based in China, enjoys a similar number of users, with over 90% market penetration. Unlike WeChat, Alipay has its roots in e-commerce and payments, building on that capability to become a lifestyle app that consumers can use for a broad range of day to day transactions.

Still an emerging trend in the West, super apps are a mainstay in Asia and Africa, with Europe and the U.S. eagerly eyeing these self-contained, all-encompassing web and mobile applications. From China’s WeChat to Latin America’s Rappi, super apps are the standard in many countries and have disrupted everything from digital financial services to online marketplaces. We explore the latest statistics on the topic and dive into where we believe super apps are headed beyond 2022.

Having all of these offerings in a single platform provides a frictionless experience for users when switching activities as they never need to leave the super app ecosystem.

Super app technology is anticipated to develop to support Internet of Things technologies, chatbots, and immersive experiences.

At My NEO Group, we are pioneers in crafting state-of-the-art FinTech and crypto solutions, seamlessly bridging traditional financial systems with the revolutionary decentralized finance landscape. Our cutting-edge applications address real-world financial needs and play a pivotal role in integrating cryptocurrencies into the mainstream market.

Beyond being a mere corporate identity, My NEO Group embodies a global network of leading professionals from the finance and technology arenas. Our team — an amalgamation of over 300 specialists from 12 diverse nations — offers expertise in trading, cryptocurrency, blockchain, FinTech, BaaS, SaaS, and comprehensive fund management.

Accentuating our global prominence, our partners and subsidiaries have attained prestigious certifications and licenses. This portfolio includes EMI, VASP, MasterCard Europe, Crypto-wallet services, custodian solutions, Crypto-exchanges, VISA, ISO/IEC 27001:2013, as well as the Canada MSB License, America MSB License and the Indonesia Payment License. These accreditations enable us to offer a suite of robust, flexible financial tools to a rapidly growing user community, now surpassing 1,000,000 members.

Ensuring strict adherence to international regulations, our subsidiaries and partners are governed by regulatory authorities spanning Switzerland, Lithuania, the UK, Luxembourg, Dubai, Estonia, Indonesia, Monaco Monte Carlo and Canada. As affiliates of the VQF, they enjoy recognition from Switzerland's Federal Financial Market Supervisory Authority (FINMA). Simultaneously, their operations harmonize with protocols from the Central Bank of Lithuania, the Estonian Financial Intelligence Unit (FIU), CSSF, and the FCA. This intricate web of global regulations reinforces our unwavering dedication to upholding the zenith of compliance standards in every region we operate.

Within the expansive financial realm, My NEO Group shines as a paragon of trust and steadfastness. We are united by a common ethos centered on financial autonomy, privacy, and freedom, driving us relentlessly towards a future defined by decentralized and inclusive financial systems. Engineered to address the multifaceted demands of the global market, our solutions epitomize adaptability and innovation.

This white paper delineates the strategic direction of the My NEO Group, an in-depth overview of our NEO Credit (NRT) token, and an exhaustive discourse on ecosystem applications, spotlighting their core functionalities and evolutionary trajectory. Readers are advised that this document is dynamic and subject to regular refinements.

NEO is setting the gold standard in financial innovations by unveiling a groundbreaking cryptocurrency payment mechanism, one that offers a seamless conduit between fiat and crypto currencies. This caters to a vast audience, spanning everyday consumers, merchants, software developers, and institutional stakeholders.

Our commitment extends beyond mere transactional interactions. With a focus on fostering robust alliances, we've developed a sophisticated modular API designed to facilitate elite bank card solutions, customized for our treasured non-banking associates. With NEO's unparalleled infrastructure at their disposal, partners can effortlessly deploy their distinct Visa/Mastercard propositions. This symbiotic relationship ensures users enjoy unmatched flexibility, effortlessly toggling between crypto and fiat modes for their diverse transactional needs, irrespective of time or location. Together, we're steering the financial sector into its next transformative phase.

Strategic Framework

Visionary Perspective

At My NEO Group, we're charting an audacious course: envisaging a paradigm wherein digital currencies don't merely complement but predominantly constitute the global transactional framework. Our aspiration is to dismantle the existing dichotomies segregating conventional financial instruments and digital assets, fostering a realm where the designation of cryptocurrencies transcends mere investment vehicles to embody universally embraced transactional standards.

Our foresight encompasses a world where accessibility to the merits of digital currencies is democratized—ensuring that every global citizen, irrespective of geographical constraints or prior cryptocurrency affiliations, is empowered to leverage the innate advantages of these digital mediums. Under the aegis of our Super App, NEO X, we're gearing up to facilitate seamless interfacing with avant-garde fintech instruments, catalyzing a monumental transition towards a holistic, decentralized digital economic sphere.

Mission Statement

Embarking on the mission at My NEO Group entails orchestrating the pervasive permeation of cryptocurrencies, ensuring their intrinsic weave into the quotidian financial tapestry. Our commitment is anchored in architecting intuitive, crypto-aligned solutions that champion direct transactions, obviating the necessity for conventional currency intermediation.

To this end, we're architecting a multifaceted, regulation-adherent financial ecosystem. This framework encompasses an expansive array of offerings, spanning cryptocurrency exchanges, enterprise-centric payment interfaces, a Neo Banking structure, travel facilitation mechanisms, and beyond. However, our mission transcends mere service provision; it's about sculpting My NEO Group into a stalwart pillar within the digital financial domain—proactively empowering users, corporate entities, and institutional platforms with the acumen and strategic tools essential for adeptly maneuvering the crypto arena.

Intrinsic to our mission is our unwavering fidelity to stringent legal mandates and global regulatory norms. By elevating transparency, fortifying security, and championing regulatory adherence, our intent is to sow the seeds of unequivocal trust and foster the assimilation of digital currencies as bona fide transactional entities, thus turbocharging the momentum of the digital economic renaissance.

At My NEO Group, our conviction in the transformative prowess of digital currencies isn't merely theoretical—it's our operational nucleus. We aren't merely laying the foundation for a platform; we're meticulously sculpting the financial frontier of tomorrow.

My NEO Group Project Blueprint

My NEO Group is at the cusp of revolutionizing the financial landscape with its ambition to architect a comprehensive financial technology nexus. Harnessing the prowess of NEO ONE —a Super App—we envision streamlining user interactions with cutting-edge financial instruments, emphasizing intuitive operability and ubiquitous accessibility.

Our strategic imperatives span several dimensions, primarily geared towards catalyzing the ubiquitous assimilation of cryptocurrencies and seamlessly melding the worlds of digital assets with conventional financial infrastructures. At the heart of My NEO Group's philosophy is an unwavering commitment to the conceptualization and execution of a project that unequivocally aligns with domestic and international regulatory stipulations, ensuring robust legal conformity.

To catalyze our global penetration, we've forged synergies with an eclectic consortium of financial associates spanning diverse geographical terrains. Our strategic trajectory is geared towards achieving global saturation, proffering cryptocurrency transactional services to a vast spectrum of entities—from individual investors and institutions to merchants and individual end-users on a global scale. Our service portfolio encapsulates a wide ambit, encompassing domains such as cryptocurrency exchanges, digital wallets, enterprise payment gateways, digital banking platforms, travel procurement services, trading interfaces, and more.

In light of our objective to bolster the widespread adoption of digital currencies and demystify corporate digital asset accounting paradigms, we're poised to address salient industry challenges head-on. Through our innovative endeavors, we aim to redefine digital currencies, transcending their contemporary role as mere investment vehicles. Our vision encompasses a world where digital currencies are ubiquitously recognized and embraced as legitimate transactional mediums, heralding an era of decentralized, egalitarian financial frameworks.

Contemporary Fintech & Cryptocurrency Landscape Analysis

In the fast-evolving arena of fintech and digital assets, systemic bottlenecks and legacy limitations curtail these sectors from optimizing end-user value propositions and operational efficiencies.

1. Centralization Paradox: As global financial paradigms gravitate towards decentralized frameworks and heightened user-centricity, legacy business models, rooted in top-down decision-making hierarchies, are becoming increasingly misaligned. Such models, characterized by unilateral decision-making, inadvertently curtail transactional transparency and stakeholder participation.

2. Stakeholder Engagement Quandary: A disproportionately small segment of fintech enterprises has successfully operationalized mechanisms to actively solicit user feedback and offer tangible value incentives, thereby leaving substantial engagement potential untapped.

3. Interoperability Conundrum: The entrenched realm of fiat economies and the nascent domain of cryptocurrencies operate in largely siloed environments. This dichotomy precipitates complexities in architecting a holistic, singular financial ecosystem, thereby compelling users to navigate disjointed platforms for diverse financial needs.

Recognizing these challenges, the fintech and cryptocurrency ecosystems are at a strategic inflection point. Augmented by the foundational strengths and capabilities of entities such as My NEO Group, with its expansive portfolio, cross-country licenses, and pioneering Super App, these sectors have a pivotal opportunity to reimagine their value propositions, bridge existing divides, and orchestrate enhanced user experiences.

My NEO Group - PRESS

Chronological Retrospective

The inception of My NEO Group emerged from a seamless amalgamation of unparalleled proficiency, fervent passion, and prescient foresight. At this juncture, we are steered by a multi-faceted consortium of over 300 professionals, encapsulating over 16 distinctive nationalities, with an operational footprint spanning 12 nations. Our assembly consists of an eclectic mix of academicians, technologists, cryptocurrency aficionados, and entrepreneurial visionaries, all unified under the overarching beacon of championing online anonymity, fortifying fiscal autonomy, and catalyzing the adoption trajectory of digital currencies.

At the core of our operational tenets lies the cardinal principle of elevating humanistic values over pecuniary gains. Our endeavors are aimed at sculpting a resonant impact within the crypto and FinTech realms, and progressively further afield. As an enterprise, our governance structure is predicated on autonomy, impartiality, and foundational control, eschewing the sway of external venture capital stakeholders. This self-sustaining model fortifies our unwavering allegiance to our envisioned objectives and our pursuit of pioneering, user-centric fintech innovations.

My NEO Group's trajectory has been characterized by meticulous strategization and calibrated outreach. We embarked on our expedition within the European landscape, promulgating our comprehensive application suite and bespoke white-label offerings tailored for the emergent crypto and FinTech demography. The alignment of our offerings with market dynamics culminated in the monumental acquisition of a dedicated user collective surpassing 200,000 patrons.

Our horizon, while reflecting the vibrancy of our lineage, is infused with anticipatory dynamism. Our analytical and strategic expansion contingents perpetually engage in deciphering market flux and end-user paradigms, orchestrating prognostications grounded on the current and impending My NEO Group portfolio, with astute consideration of industry-specific determinants. While cognizant of the volatility inherent in such predictive endeavors, we perceive these as conduits for groundbreaking ingenuity, expansive outreach, and sustained industry resonance.

In perpetuating our odyssey, the foundational ethos of our establishment remains our touchstone — an unwavering commitment to prioritizing the human element. Our overarching aim is to ensure that our strategic decisions and product rollouts serve as pillars bolstering the global gravitation towards digital currency platforms.

User Projections Framework Our analytical consortium, comprising strategic forecasters and business proliferation strategists, has orchestrated a predictive model detailing prospective user metrics, hinged on the extant and imminent My NEO Group portfolio. It is imperative to note that these projections have been meticulously sculpted, assimilating industry-centric variables into the calculus.

Users Forecast

Our team of analysts and business development managers have created a series of predicted customer numbers based on available and upcoming My NEO Group products. *Sector-related variables have been taken into consideration.

*Buyer may be in possession of certain plans, projections, and alternate forecasts regarding the Business. Buyer acknowledges the existence of substantial uncertainties inherent in attempting to make such plans, projections, and alternate forecasts and accordingly is not relying on them, and Buyer shall have no claim against anyone with respect thereto.

Industry Concerns

In order to achieve more widespread usage, cryptocurrencies must first gain a broader level of acceptance among consumers. Although the number of businesses accepting cryptocurrency continues to climb, merchants who do so are still in the minority. Consumers, companies, and payment institutions hoping to integrate cryptocurrencies into their assets need solutions to make it happen. The primary challenges are:

1. Introduction to New Technology

Cryptocurrency payment system interfaces can be complex, with lengthy documentation and a multitude of service types. Confused users may be overwhelmed by their perception of crypto as being overly complicated. People need time to adjust to a new payment system and they will rarely invest that time in anything other than a simple, welcoming interface.

The most successful exchanges achieved or maintained their status by publishing a pared-down version of their portal and offering an option with reduced functionality and simplified navigation. Of course, if an interface is designed to be user-friendly from the outset, there’s no need to create different versions.

Consider the user experience—how a customer engages and interacts with a product, system, or service. The encounter includes a person's perceptions of utility, intuitiveness, and efficiency. This “relationship” with a digital service is essential for successful adoption by its users.

2. Poor Safety

Hackers and fraudsters are always devising new tools and techniques to invade the servers and data of user exchanges and applications. Once a criminal gains access to customer accounts, all that remains is to withdraw currency from the wallets.

To mitigate this risk, it’s incumbent upon payment portals to upgrade their security systems as often as necessary. Ongoing training of technical and programming teams is essential and it’s imperative to implement multi-factor authentication to enable account access and confirm transaction requests. In addition to online storage for exchange wallets, customers should be offered offline storage options, as well. Currently, only a handful of exchange and payment services are able to meet these requirements.

3. Lack of Practical Application

As a form of currency, crypto is still considered mostly an investment asset because rarely does one use a cryptocurrency for a purchase without first converting to traditional (fiat) money. A few online and physical stores accept crypto payments, but it’s a short list. Mass adoption will only be possible when acceptance of cryptocurrency as a valid means of payment gains a wider foothold. The more transactions that are processed, the steadier the rise in market volume—and positive word-of-mouth—will be.

4. Regulations, Licenses and Government Role

Gauging the attitude of governments and central banks toward cryptocurrency is a challenging task. Some jurisdictions seek to develop their own cryptocurrency systems; this category contains a diverse list of countries including the Marshall Islands, Venezuela, Lithuania, and the member states of ECCB, the Eastern Caribbean Central Bank. As of now, most are unable to support crypto as unregulated currency, although it could become a useful tool. The current banking system is restricted by certain territorial and temporal limits, barriers which blockchain technology has managed to bypass. For instance, it solves the problem of double-spending (verification of the transaction prior to processing to prove the units exist) and transactions can take place anywhere in the world, without location-based commissions.

Companies and crypto service providers must invest in securing the appropriate regulations and licenses for operation—requirements which vary by jurisdiction. Numerous rules apply to providing a service with cryptocurrency or even accepting it as payment in a business. Licenses are expensive and demand significant time and effort to obtain. Most governments refuse to take an explicit stance for or against cryptocurrencies and blockchain payment systems, so companies in the crypto sector are obligated to possess a high level of know-how, endless expertise, and complete confidence in their ability to monitor and respond to any changes in regulations and requirements.

5. Corporate Accounting

Businesses interested in integrating bitcoin and major cryptocurrencies as payment options face a situation fraught with uncertainty. Accountants possess only limited knowledge of the best methods for declaring and invoicing the currency for expense reports and customers. Educating oneself regarding the existing rules is best accomplished by understanding how to manage the accounting of a business in the first place. Confusion here can compound easily if regulators employ differing approaches to digital assets market activities; an abundance of caution is advised.

A cryptocurrency payment system which aspires to become part of the traditional financial model may have to satisfy an array of divergent criteria. What might initially appear to be the responsibility of a single cryptocurrency is actually borne by the payment systems in their entirety; only those entities have the power to equate cryptocurrency with traditional money.

6. Lack of Compliance and Anti-Money Laundering

As decentralized finance, cryptocurrency faces a greater risk of exploitation than traditional finances. With the constant threat of crypto exchanges and payment applications being used as money laundering outlets, general customers are exercising caution in their personal usage. Instead, they’re endorsing it amongst their networks because a platform’s security identity—and possible future incidents—can destroy their reputation.

Users are even more trepidatious about peer-to-peer transactions for fear of being part of a direct transaction record with a potential culprit. Misappropriated assets carry the risk of tarnishing previously pristine units simply by being included in their eventual totals. One has to consider “money muling,” a specific type of money laundering rife with culprits who route assets and fund transfers through clean accounts and innocent people, and are rarely reported. These possibilities exist due to the lack of central oversight (an overseeing and delegating body dedicated at the statutory level) as well as central control (the inability to reverse/confiscate any suspicious virtual assets in a chain).

Despite cryptocurrency’s popularity and appeal amongst retail users and institutions alike, it is a sunrise segment; to meaningfully contribute to the push for increased adoption, companies must accept the responsibility for enhancing security. Platforms interested in their own survival have no choice but to implement best practices for screening during user onboarding and transaction monitoring. The ability to identify suspicious new patterns—a process requiring inspection and intelligence layers comprised of both human and technological expertise—must be well-honed and virtually flawless.

Given the prevalence of these crypto-related concerns in the market and amongst users, the issues play a pivotal role in the product formation stages of the My NEO Group ecosystem and are also embedded within the business as standard procedure. INTRODUCTION - Previous Market Analysis Next - My NEO Group Project Concept

Ecosystem and Products

The categories or services offered through the My NEO Group ecosystem:

• Payment

• Trading

• Financial

• Crypto Exchange

• Crypto Wallet

• Crypto Cards

• NEO Banking

• Crypto & FinTech Education

• Travel

• Crypto Loan

• Crypto Telegram Bot

• Crypto Mining

• Crypto Cloud Minting

• Crypto Community

• Platform as a service (PaaS)

• Banking as a Service (BaaS)

• Software as a Service (SaaS)

• API as a Service (APIaaS)

Our strategy is to leverage payment solutions as the primary tool for driving adoption and user acquisition while simultaneously building trading and financial service solutions as major revenue sources. This self-sustaining strategy creates a virtuous cycle: payment channels attract users to the platform; trading and financial services generate revenue able to be reinvested into payment; reinvested revenue is used to build the ecosystem to offer full-suite crypto services. Our product solutions across four verticals work together to construct a sustainable project.

A key component of the ecosystem is its native token, NEO Credit (NRT), built for multiple real-life use cases. Diversified purchase utility creates confidence in token usability to counter the well-known volatility of crypto assets solely as an investment. A transparent roadmap and agreements with partners give value to the token, as well as a technological growth strategy that supports it in its growth.

REGULATORY LICENSURE AND COMPLIANCE OVERVIEW

In the ever-evolving landscape of global financial regulations, My NEO Group takes an unwavering stand in rigorous adherence to international standards. We've secured a multitude of licenses and affiliations, aligning our operations seamlessly with global legislative frameworks, and ensuring that our patrons enjoy an environment underscored by trust, transparency, and technological prowess.

1. Electronic Money Institution (EMI) - Lithuania 🇱🇹

• Issuing Authority: Central Bank of Lithuania, governed by Directive 2009-110 EC.

• License Type: Electronic Money Institution.

• Authorization Code: LB000448

• Corporate Identifier: 304628112

2. FinTech Intermediary - Switzerland 🇨🇭

• Affiliation: VQF, a Self-Regulatory Organization (SRO) recognized by the Swiss FINMA.

• Reference: CH-660.2.820.018-1

3. Virtual Asset Service Provider (VASP) - Estonia 🇪🇪

• Licensing Framework: The amended Money Laundering and Terrorist Financing Prevention Act.

4. Card Issuance Platforms

• MasterCard Europe 🇪🇺: Authorized to craft tangible and digital payment mediums.

• VISA Europe 🇪🇺: Empowered to design both physical and intangible payment tools.

5. Cryptographic Solutions - Estonia 🇪🇪

• Custodial Services: Cryptographic key generation and secured customer key storage. License: FVT000200. Registry Code: 14320990.

• Crypto-exchange: Facilitates crypto-to-fiat conversions and inter-cryptocurrency trades. License: FVT000200. Registry Code: 14320990.

6. Regulatory Supervisory - Monaco 🇲🇨

• The CSSF works diligently to ensure the robustness and transparency of the financial sector.

7. Financial Conduct Authority (FCA) - United Kingdom 🇬🇧

• Scope: Encompasses the conduct regulations of financial services, including investment advice, portfolio management, and more.

8. Money Service Business (MSB) Licenses

• Canada 🇨🇦: Covers a vast array of financial and virtual currency services.

• United States 🇺🇸: Encompasses financial services such as currency exchange, money orders, and wire transfers.

9. Payment License - Indonesia 🇮🇩

• Scope: Includes services like Issuers of bank cards, e-money, Payment Gateway Providers, Electronic Wallet Providers, and more.

10- Electronic Money Institution (EMI) - Bulgaria 🇱🇧

• Regulated e-money institution, licensed by the Bulgarian National Bank and passported to provide its services across the EU.

11. ISO/IEC 27001:2013 Certification

• Auditor: TÜV Rheinland, renowned for its legacy in quality assurance.

The meticulously curated licenses and affiliations held by My NEO Group are a testament to our unwavering commitment to operational excellence and global regulatory compliance.

PENDING REGULATORY APPLICATIONS AND SUBMISSIONS

1. Hong Kong (🇭🇰)

   • Money Service Operator (MSO) License: Submission aligned under the "HK Crypto 149" regulatory framework.

2. United States (🇺🇸)

   • Money Transmitter License: Initial submission targeted for the state of Missouri.

3. Singapore (🇸🇬)

   • Digital Payment Token: Formal application under review.

4. United Kingdom (🇬🇧)

   • Authorized Payment Institution (API): Awaiting regulatory acknowledgment.

   • Electronic Money Institution (EMI): Submission in progress, targeting full licensure.

It is imperative to note that these applications are in alignment with the respective regions' financial regulatory frameworks, and approval timelines may vary based on jurisdictional due diligence processes

LEGAL COMPLIANCE AND OPERATIONAL INTEGRITY FRAMEWORK

Within the multifaceted landscape of digital financial transactions, My NEO Group meticulously operates in congruence with the pinnacle of international standards, encompassing Anti-Money Laundering (AML) protocols, encompassing the elaborative Know Your Customer (KYC) modus operandi and the surveillance mechanisms employed for both Digital Asset and Fiat Transaction Monitoring.

The operational blueprint of My NEO Group is architected to ensure maximal transparency, exhaustive comprehensiveness, and an unwavering dedication to safeguarding both payment fluxes and the fiduciary assets of our diverse clientele, harmonizing with the stringent standards set forth by respective financial oversight institutions.

Crucially, our collaboration extends solely to those service providers and third-party affiliates who, after exhaustive scrutiny, are ascertained to be in full possession of requisite operational licenses commensurate with their offerings. This symbiotic ecosystem, underscored by the tenets of transparency, security, and rigorous compliance, is pivotal in catalyzing the paradigm shift towards mainstream cryptocurrency assimilation.

Within this digital enclave, we ensure the rigorous implementation of Anti-Money Laundering (AML) and Counter-Financing of Terrorism (CFT) standards during phases of user integration, transactional processing, and sustained liaisons with financial intelligence consortia. Our strategic integration encompasses a confluence of specialized entities, adept in fortifying operational objectives within the intricate nexus of digital transactions.

Our procedural framework encapsulates:

• Forensic KYC evaluations in tandem with Client Due Diligence (CDD) initiatives

• Preliminary and subsequent screening of external wallet integrations

• Concurrent real-time and anticipatory transactional analyses

• Proactive responses to Political Exposed Persons (PEP) and sanction-aligned watchlists.

This meticulous oversight, while predominantly technologically driven, is further fortified by an additional stratum of scrutiny effected by our in-house consortium of monitoring specialists, ensuring a holistic and unyielding commitment to integrity and security.

Integrated Digital Financial Infrastructure Blueprint

We proudly present the apex of My NEO Group's technological achievements: The NEO Ecosystem. This meticulously engineered ecosystem stands as a testament to our comprehensive research and profound industry knowledge. It splits into two revolutionary fintech channels: NEO Dash and NEO ONE. Each is uniquely designed to address specific facets of the financial landscape.

Unified Asset Management System

NEO Dash and NEO ONE are comprehensive platforms that seamlessly blend the intricacies of cryptographic assets with conventional finance. They offer an intuitive interface for comprehensive management of a broad spectrum of digital currencies. This includes everything from well-established cryptocurrencies to the latest digital tokens, ensuring users have a cohesive and user-friendly platform for their asset management needs.

Real-world Expenditure Facilitation

Through our strategic partnership with the VISA payment network, we enable users to effortlessly convert digital assets into spendable fiat currency. This pivotal integration bridges the gap between digital assets and daily transactions, offering practical, real-time financial solutions applicable in a wide array of global retail settings.

Exclusivity with NEO Circle

The NEO Circle stands as our commitment to nurturing proactive engagement within our community. Membership in this exclusive circle provides access to a bespoke referral matrix, transcending the typical referral program. It's a nurturing ground for mutual growth, enhancing the overall value chain, and fostering a strong, cooperative digital financial ecosystem.

Diverse Financial Services Spectrum

The NEO Ecosystem extends beyond mere asset management. Acknowledging our global clientele's varied requirements, we offer a comprehensive suite of services. This includes crypto exchanges, merchant payment gateways, a digital Neo Bank, and even travel booking services. All these services are integrated within the Super App, NEO ONE, streamlining the user experience and eliminating the need to juggle multiple platforms for different financial and transactional needs.

Global Compliance & Trust Infrastructure

At the heart of our operations is a steadfast dedication to compliance. Our platforms operate in stringent accordance with AML/KYC protocols across various jurisdictions, including the UK, Germany, Switzerland, Monaco Monte Carlo, Estonia, Lithuania, Luxembourg, Indonesia, and Canada. This rigorous adherence not only ensures alignment with local and international regulatory frameworks but also positions My NEO Group as a paragon of reliability in the ever-evolving fintech landscape.

Future-proof Fintech Strategy

As vanguards of the digital era, My NEO Group is unwavering in its pursuit of innovation. Our team of analysts and developers remains vigilant, anticipating market trends and ensuring that our infrastructure not only meets current market demands but is also well-prepared for upcoming industry shifts. By harmonizing state-of-the-art technology, regulatory compliance, and a user-focused approach, My NEO Group doesn't merely offer services—we are sculpting the future of global financial interactions.

1. Advanced Data Governance, Preservation, and Safeguarding

   In the dynamic realm of digital asset management, My NEO Group strategically allies with industry trailblazers Amazon Web Services (AWS) and GoDaddy. This alliance facilitates a robust platform hosting infrastructure, primed for rapid scalability. Our approach ensures seamless integration and optimization during frequent deployment of application updates and platform expansions. Furthermore, this partnership fortifies the server's transactional throughput, ensuring it seamlessly addresses surges in global user registration and transactional activities, mirroring our commitment to maintain a transactional efficacy resonating with global standards.

2. Strategic Licensing & Regulatory Adherence

   My NEO Group adopts a meticulously tailored strategy for its progressive business and service extension. In our quest for excellence, we embark on exhaustive legal and market reconnaissance across various jurisdictions. This intensive analysis aids in discerning the regulatory climate, legislative scope, and the overarching regulatory appetite pertaining to Digital Asset enterprises. Our ethos is steeped in the relentless pursuit of securing pertinent financial and digital asset licenses across diverse regulatory landscapes. This approach not only attests to our dedication to compliance but also anchors our operations within a rigorously regulated framework.

Graf Praschma Heß & Rottloff's audit provided a detailed analysis of the legal compliance of the ZENIQ HUB offerings in Germany. This rigorous evaluation concluded that the distribution of ZENIQ HUB aligns with the current legal standards, affirming the company’s commitment to adhering to regulatory requirements.

Meanwhile, FOREUS INTELLIGENCE GmbH conducted an exhaustive security audit of NEO ZENTECH (formerly ZENIQ), assessing various dimensions including regulatory compliance, safety measures, financial transparency, and ethical governance. This comprehensive review revealed a robust security framework, with no significant deficiencies or vulnerabilities identified as of October 2023. This reflects the company's proactive approach in maintaining high security standards and its dedication to continuous improvement.

Technology

NEO Credit (NRT) is the utility token of the ecosystem applications.

NRT is based on the BNB Chain protocol powered by Binance. The BEP-20 smart contract allows BSC to facilitate transactions and record balances of such credits in an account.

The benefits of using the BEP-20 protocol include the following: The simple, easy-to-understand BEP-20 standard reduces the complexity associated with studying and understanding other types of blockchains for implementations like the NEO Ecosystem. The BEP-20 standard enhances the liquidity of other BEP-20 tokens and reduces the risk of broken contracts. BEP-20 is a uniformity of tech and protocol standards for everyone to use. Hence, it is widely acceptable and extremely reliable.

Aside from trading, transactions, and staking, NRT also functions as a utility to reward users for successfully completing tasks, such as KYC verification.

The company responsible for the token technology and its issuance is Mt Pelerin Group LTD, in which My NEO Group is a co-shareholder.

About Mtpelerin

We are a team of entrepreneurs working on the creation of a new kind of financial institution in Geneva, Switzerland. Being specialists of the application of blockchain to finance, we use this new technology at the core of this project to create a ecosystem that will propel the new era of financial digitalization that blockchain makes possible.

At Mt Pelerin, those ideals are very dear to us, as they represent our values in life. We believe in the constructive power of every actor of the economy, once give real freedom and autonomy in his/her choices. We want to create favorable conditions to make the financial industry as a whole progress, while giving its customers the keys to their own financial empowerment.

We chose the name Mt Pelerin to herald our origins and values.

Partners & Network

Mt Pelerin is a financial intermediary duly affiliated with VQF (www.vqf.ch), a Self-Regulatory Organisation (SRO) officially recognised by Switzerland's Federal Financial Market Supervisory Authority (FINMA). This website is not intended as and is not to be taken as an offer or solicitation with respect to the purchase or sale of any cryptocurrencies, nor does it constitute an offer or solicitation in any jurisdiction, including those in which such an offer or solicitation is not authorised or to any person to whom it is unlawful to make such a solicitation or offer. Those persons interested in acquiring cryptocurrencies should inform themselves as to the applicable law within the countries of their nationality, residence, ordinary residence or domicile for such acquisition. There may be restrictions in certain countries as to whom may acquire cryptocurrencies. Mt Pelerin does not offer services in relation to cryptocurrencies to US persons.

Data Protection and Digital Asset Security: Our Imperative Commitment

At My NEO Group, we recognize the fundamental importance of safeguarding our clientele's data and digital assets. To that end, we've seamlessly integrated state-of-the-art encryption protocols and adhere to the pinnacle of security standards, reaffirming our unwavering commitment.

Our collaboration with premier global entities enables us to harness the latest technological advancements, ensuring our security apparatus remains on the vanguard of innovation.

ISO/IEC 27001:2013 Certification:

Our adherence to this standard has undergone rigorous verification by TÜV Rheinland, an eminent independent audit firm. With over a century and a half dedicated to enhancing safety and quality, TÜV Rheinland's validation accentuates our dedication to best-in-class data protection.

Penetration Testing:

Our devotion to airtight security leads us to periodically engage with specialized external auditing entities. These firms conduct exhaustive penetration testing, ensuring that our technological framework stands robust against potential vulnerabilities.

Distributed Denial-of-Service (DDoS) Mitigation:

We've implemented a comprehensive suite of preventative measures tailored to neutralize DDoS threats. Our commitment remains resolute in persistently fortifying our security infrastructure against evolving cyber challenges.

Multi-Cloud Operational Strategy:

By diversifying across multiple cloud service providers, we bolster our infrastructure's resilience, ensuring service continuity and peak performance, even in the face of unforeseen adversities.

Strategically Positioned Server Infrastructure:

Our servers, dispersed across pivotal geographical regions including the US, EU, and Asia, underscore our commitment to delivering unparalleled service. This distribution guarantees optimal response times, maximizes operational performance, and maintains unwavering service availability.

Cutting-edge MPC (Multi-Party Computation) Technology:

INTRODUCTION

REGULATORY COMPLIANCE FRAMEWORK

In the contemporary digital finance landscape, as delineated in Q2 of 2022, the global cryptographic asset spectrum has burgeoned to encompass in excess of 18,000 diverse crypto tokens. This expansive array underscores a market characterized by pronounced volatility and intensified speculative dynamics.

At My NEO Group, we meticulously navigate this intricate financial topography by initiating comprehensive procedural measures to align with the contemporaneous global cryptographic regulatory protocols. Our unwavering allegiance to these regulations not only manifests our contribution to fostering a resilient and progressive cryptographic industry but also fortifies user confidence, ensuring the inviolability of their digital assets within our ecosystem.

Further amplifying this commitment is our strategic approach to mitigate undue market speculations. Through rigorous adherence to the Financial Action Task Force (FATF) advisories, combined with our assiduous observance of a vast gamut of national and transnational legislative mandates—including but not limited to jurisdictions such as the UK, Monaco Monte Carlo, Estonia, Lithuania, Luxembourg, Switzerland, Germany, Canada, and Indonesia—we endeavor to bolster investor sentiment. This proactive stance precipitates a more discerning and sustained investor influx into the cryptographic domain, propelling its intrinsic advantages to optimal realization.

Embarking upon our ambitious trajectory, our objective is intricately woven into the fabric of the extant regulated paradigm. With a vision that transcends parochial boundaries, My NEO Group aspires to architect a globally operational cryptographic ecosystem. This holistic infrastructure aims to efficaciously serve our diverse clientele, obviating any encumbrances arising from jurisdictional or legislative impediments.

Advanced Compliance Technology Solutions

• Overview: Sumsub, leveraging the prowess of artificial intelligence, offers an integrated suite for identity validation, fraud deterrence, KYC solution deployment, Anti-Money Laundering (AML) surveillance, and the secure retention of client data, thereby fortifying and facilitating compliant digital businesses.

• Unique Attributes: Exclusively serving as the KYC facilitator for the VASP, Sumsub boasts a multifunctional interface. This permits the collection of video-based user identifications and the initiation of anti-fraud operations. Through Sumsub, the VASP is endowed with an expansive repertoire of functionalities.

• Overview: Ondato stands as a technological pioneer, optimizing KYC and AML processes for corporate entities. The solutions they proffer encompass a wide range of compliance challenges, ranging from client initiation to maintaining an exhaustive, ongoing client monitoring database.

• Philosophy: Rooted in collaborative partnerships with clients, Ondato's primary objective is to address and resolve their distinct business challenges. In doing so, they champion the cause of fortifying the digital landscape for all stakeholders.

• Overview: Introducing Napier Continuum—an avant-garde, AI-augmented platform designed to weave together data streams, orchestrate operations, and administrate risk, all housed within a unified financial crime risk management hub.

• Token Utility in our super App NEO ONE

• Token utility for get discount in NEO Group ecosystem, in more than 35 different services

• Reward

• Staking

• Cashback

• Pay product and service

• Burning Token

Token Valuation

The documentation detailed below lists the ways in which other cryptocurrencies increased their valuation. All are highly applicable to NEO Credit (NRT).

Case 1: CRO Crypto.com Coin (CRO) is the native cryptocurrency token of the Crypto.com Chain, a decentralized and open-source blockchain developed by Crypto.com. In 2018, it received a 380% injection and increased from $0.0130 (333 satoshi) to $0.0625 (1600 satoshi). Accordingly, the daily volume increased from US $90,000 to over US $800 million in four years.

Case 2: BNB Binance Coin (BNB) is a utility token designed for Binance cryptocurrency exchange users that launched in July 2017. When account users buy BNB and use it to pay Binance cryptocurrency market trading fees, they receive discounts. BNB, built on a blockchain called "proof-of-staked authority," is a deflationary cryptocurrency with a 200 million hard supply cap. Before the initial offering, all coins were pre-mined at a price of $0.10 per BNB. In 2021, the coin increased by nearly 1,344% and the BNB rose from roughly $38 in January 2021 to an all-time high of $683.82 in early May 2021, and then in early November 2021 to a new high of $668.07. BNB’s current market cap is over $47 billion.

Case 3: KCS Kucoin (KCS) is the KuCoin Exchange native token launched in 2017 with profit-sharing capability allowing traders to reap the benefits of the exchange's value. It was created as an ERC-20 token that runs on the Ethereum blockchain. KuCoin has a market cap of over $1.5 billion, a maximum supply of just over 170 million KCS coins, and a circulating supply at about 98.4 million (58%). Just a few days after its release, the currency skyrocketed from $0.4551 on November 30, 2017, to $20.44 on January 10, 2018. Despite dipping to $2.28 on March 18, 2018, KCS has now risen to $5.17 as of April 24, 2018. According to CoinGecko, the currency has risen by more than 125% in the past 12 months.

Case 4: CRPT Crypterium Token (CRPT) is the token of Crypterium, a wallet which aims to integrate traditional financial services and cryptocurrencies that’s fueled by CRPT, an Ethereum token. Crypterium accelerates the impact of supply and demand economics on the value of CRPT by charging a 0.5% gas fee in CRPT for crypto-to-fiat transactions, and also by burning tokens at month’s end. CRPT now has a market value of $16 million and is held in 56,628 wallets. Crypterium soared to an all-time high of $3 (January 23, 2018), and on April 8, 2020, the price increased by over 64% of its worth at that time. By selling 68,875,950 Crypterium tokens for $0.75 each, the Crypterium ICO (initial coin offering) raised $51,656,963.

The project's strengths revolve around how effectively their executed activities and products towards use cases increased token valuations—the more tokens are utilized for personal consumption, the higher the valuation. However, within volatile periods that may impact the valuations of almost all tokens at the same time, L1 utility tokens spring back into valuation first.

NEO Credit tokens function within the entire ecosystem to scale up interoperability of the earned/invested assets between projects, thereby giving it the valuation strength of a utility token.

Staking

NEO Credit Token (NRT) staking is available. Users receive rewards in the same currency they stake via their NEO Credit wallet.

Moreover, the NRT staking provides users option to lock their crypto-assets for X months. Participants receive interest rates on their locked tokens depending on their chosen lock period. Users can also choose to compound their locked tokens.

Features and Strategy

Features and Strategy The value of a cryptocurrency or a token is always linked to the project’s purpose. NEO Credit (NEO) is unique among its competitors because of its connection with a large platform.

My NEO Group will always take responsibility for these tokens as a way to use its platform’s services; its growth and devaluation are integrated into the project design itself. Even if My NEO Group cannot manipulate market shares, it is issued by an experienced, highly competent team, with all steps and fundamentals defined and planned to ensure this currency’s incredible stability over time.

Given the expansion of our platform—and due to the features and design that govern the currency—it’s highly likely that NRT will become an increasingly global asset. Furthermore, its potential to appreciate is significant; by fundamentally analyzing the project, all token holders will recognize it as the currency of a solid endeavor with strong representation worldwide.

My NEO Group offers a large volume of usage and application within his Super App NEO X. Over the next two years, the focus will be technological development and new services integration.

Licensed ecosystem NRT Credit tokens are issued by a company that operates under licensed partners and platforms authorized in various countries around the world. Today, creating a cryptocurrency is cheap and accessible to anyone, but the value of that currency is always linked to the purpose of the project.

Token ownership When a company issues a token, even if it is in the possession of its users, it tends to be decentralized. NEO Credit will always take responsibility for these tokens for use of the services on the platform. Its growth and devaluation are integrated into the design of the project. My NEO Group cannot manipulate market shares, but as it is issued by an experienced, highly-competent team, all steps and fundamentals have been defined and planned such that this currency has incredible stability over time.

Applicability of the token Due to the features and design that govern the currency, the token has a high likelihood of becoming an increasingly global asset in view of the platform's expansion. Furthermore, it has significant potential for appreciation, as by fundamentally analyzing the project, all token holders will understand that it is the currency of a solid project with worldwide representation. Hence, it has the ability to provide a large volume of usage and application within the platform itself. Over the next two years, the focus of the platform will be on technological development and the integration of new services.

SWOT Analysis of My NEO Group

Strengths:

1. Substantial User Base: Over 1 million verified users, indicative of our brand's significant reach and acceptance within the FinTech sector.

2. Varied Project Portfolio: Active management and growth of 16 distinct projects, demonstrating our versatility and commitment to innovation.

3. Financial Infrastructure Assimilation: Seamless integration with major banking systems including SEPA, IBAN, Visa, and Mastercard, positioning us at the intersection of traditional finance and the digital age.

4. User-Centric Design Philosophy: Our Super App, NEO ONE, is renowned for its ease of use, backed by a purpose-driven design that encapsulates a diverse array of FinTech tools.

5. Unwavering Regulatory Compliance: Robust adherence to AML/KYC procedures, paired with a broad spectrum of licenses spanning Europe, Indonesia, Canada, Dubai, Monaco Monte Carlo, Estonia, Switzerland and more. Our commitment to legal integrity is unwavering.

6. Intellectual Capital: A dynamic team of 300+ professionals specializing in crypto and FinTech, reinforcing our thought leadership and operational capabilities.

7. Cryptocurrency Evangelism: A firm advocate of the cryptocurrency paradigm, with initiatives and products aimed at bridging the chasm between traditional finance and digital assets.

Weaknesses:

1. Launch Strategy: Concurrent application releases to facilitate a holistic ecosystem experience might elongate developmental timelines and delay feature integrations.

2. Ambiguous Regional Branding: Absence of a clear regional brand identity could curtail our resonance with localized markets.

3. Liquidity Dynamics: Reliance on external liquidity providers introduces operational dependencies.

4. Media Visibility Gap: An under-represented brand presence in mainstream media channels might limit our outreach potential.

Opportunities:

1. Digital Evolution Frontiers: Potential collaborations in burgeoning sectors like NFTs and the Metaverse.

2. Blockchain Application Horizons: Leveraging blockchain's transformative potential across diverse sectors such as health, travel, and mainstream finance.

3. Global Cryptocurrency Transition: Positioned favorably to catalyze the widespread adoption of cryptocurrencies, given the existing infrastructure and market climate.

Threats:

1. Legacy Finance Inertia: Persistent preference for traditional financial mechanisms might impede crypto adoption.

2. Cyber Threat Landscape: Evolving cybersecurity challenges, especially surrounding crypto assets and platforms.

3. Regulatory Volatility: Sudden shifts or restrictions in crypto regulations could introduce operational uncertainties.

4. Economic Disruptions: External factors such as fiat currency fluctuations and interest rate changes could destabilize the crypto market dynamics.

5. Operational Integrity Challenges: Inadvertent errors, be it technical or human-led, pose risks to the consistent delivery of top-tier user experiences.

6. Crypto Market Volatility: The inherently fluctuating nature of cryptocurrency values necessitates advanced risk management approaches.

7. Conventional Finance Opposition: Potential resistance or retaliatory strategies from traditional financial entities could hinder our growth trajectory.

Advanced Schedule: NRT Token Listing on LBANK

Listing Details:

• Official Announcement by LBANK: January 19th, 8 am UTC

• Deposit Activation: January 21st, 8 am UTC

• Trading Kick-off: January 22nd, 8 am UTC

• Withdrawal Accessibility: January 23rd, 8 am UTC

Why LBANK?

LBANK's staunch adherence to regulatory compliance and international collaboration is evident in its multiple licenses and registrations across several jurisdictions:

• Italy: Registered as a Virtual Asset Service Provider by the Organismo Agenti e Mediatori (OAM).

• Canada: Accredited as a money services business by the Financial Transaction & Reports Analysis Centre of Canada (FINTRAC).

• United States: Recognized as a money services business by the Financial Crimes Enforcement Network (FinCEN).

• Australia: Registered for remittance and digital currency exchange services with the Australian Transaction Reports and Analysis Centre (AUSTRAC).

• Lithuania: Actively involved in crypto assets and virtual services, including cryptocurrency exchange and wallet operations.

These accreditations affirm LBANK's commitment to fostering trust and stability in the crypto space, resonating with My NEO Group's mission to deliver secure and innovative solutions to our community.

The Road Ahead:

The introduction of NRT on LBANK marks the beginning of an exciting voyage. In the upcoming weeks, we are set to unveil transformative developments within the My NEO Group ecosystem—initiatives poised to revolutionize the fintech and cryptocurrency sectors and position us as pioneers in the industry.

Moreover, we are on track to feature NRT on four other prominent exchanges in the near future, significantly broadening our reach and accessibility on the global stage.

Strategic Expansion: NRT's Methodical Listing on Global Exchanges in 2024

As we herald the listing of NRT on LBANK, we are equally poised to broaden the token's market presence with a calculated and methodical strategy. The year 2024 is earmarked for a significant propulsion of NRT's footprint across the global financial landscape. We are primed to orchestrate the listing of NRT on five additional, meticulously selected cryptocurrency exchanges.

This expansion is not merely a growth tactic but a reflection of the burgeoning confidence and credibility that NRT and the My NEO Group ecosystem have garnered within the financial community. The selection of these exchanges will be conducted through an intricate process, emphasizing rigorous due diligence to align with our unwavering commitment to security, regulatory adherence, and unparalleled user experience. This deliberate expansion strategy is designed to bolster NRT's visibility, augment transactional fluidity, and enhance the token's accessibility to a global audience.

The forthcoming listings are poised to catalyze a paradigm shift in NRT's market dynamics. By integrating with platforms that resonate with our ethos of innovation and user empowerment, we are setting the stage for NRT to become a cornerstone asset within the crypto-economic sphere. This strategic enlargement is anticipated to attract a sophisticated cohort of investors and users, fostering a robust and dynamic community around the NRT token.

We invite our stakeholders to stay attuned to our communications channels for forthcoming announcements and updates. Your enduring trust and engagement are the bedrock of our collective journey towards redefining the contours of digital finance. As we navigate this exciting trajectory, we remain committed to transcending conventional boundaries and establishing new benchmarks in the fintech and cryptocurrency domains.

NRT total supply: 2,000,000,000 units.

Launch Price: 0.15 USD

Token Audit by TechRate

TechRate is an analytical and engineering agency focused on blockchain technology solutions and audits, a leading smart contract auditor.

Techrate gave NRT’s smart contract security qualifications a score of 99%. The evaluation encompasses NEO CREDIT’s quality, security, and correctness. NEO Credit scored a testable code of 100%, which is higher than the industry standard of 95%. Moreover, no critical or medium-level issues were discovered during the audit.

The Techrate team ensured that the NRT smart contract implements and adheres to existing standards appropriately and effectively, and documentation and code comments match logic and behavior. The audit ensured that the smart contract distributes tokens in a manner that matches calculations, and follows best practices for efficient use of resources, without unnecessary waste.

Techrate’s blockchain Security Team held NRT on a silver platter and declared that the token’s smart contract meets their security requirements for listing on cryptocurrency exchanges.

• Minting Power of HUBs:

Each HUB in the system is endowed with a specific minting power. This minting power is a crucial attribute that determines the HUB’s ability to generate rewards or cryptocurrency.

• Difficulty Adjustment and Minting Power Retention:

Every 30 days, the system undergoes a difficulty adjustment. This means that new HUBs created after each adjustment have less minting power compared to existing ones. However, a HUB that has acquired a specific minting power retains that power level for the first two years following its activation. This provides stability and predictability for early adopters.

• Locking of NRT (Newly Released Tokens) Linked to HUB:

When Newly Released Tokens (NRT) are linked to a HUB, they are locked for a period of 720 days. This long-term lock is likely designed to stabilize the token supply and prevent sudden market fluctuations.

• Calculation of Max Minting Production Daily (MMPD):

The MMPD is calculated by dividing the Minting Power (MP) of a HUB by its cycle life. This formula determines the daily token generation capacity of each HUB.

• Distribution and Locking of NRT:

Of the Newly Released Tokens (NRT), 60% can be withdrawn by the user immediately.

The remaining 40% is temporarily locked in a wallet. This portion is only unlocked after a period of 720 days, counting from the date of the first NRT linked to the HUB.

This system appears to create a balanced approach to token generation and distribution, incentivizing early participation while also implementing mechanisms to ensure market stability. The locking and gradual release of tokens could help manage the token supply, potentially preventing inflation and encouraging long-term investment in the platform.

• The "Value at Market (VM) and Increase Price (IP) Evaluation"

The "Value at Market (VM) and Increase Price (IP) Evaluation" process you've described is a method for adjusting a reward system based on the relationship between two key financial metrics: the Value at Market (VM) and the Increase Price (IP). This system seems to be designed for a reward or incentive program, possibly in a trading or investment context. Here's a refined explanation of the process:

Comparison of VM and IP: The first step involves comparing the current Value at Market (VM) with the Increase Price (IP). This comparison determines how the reward amount is adjusted.

Adjustment for VM > IP:

• Formula Application: If the VM exceeds the IP, the Maximum Retrievable Daily Reward amount is recalculated.

• New Calculation: The new reward amount is determined by multiplying the existing Maximum Retrievable Daily Reward amount by the ratio of IP to another metric (possibly PTM, as mentioned in your formula).

• Purpose: This adjustment reflects the growth of the VM over the IP, implying a positive market performance.

No Adjustment for VM ≤ IP:

• Stable Reward: If the VM is less than or equal to the IP, the Maximum Retrievable Daily Reward amount remains the same.

• Progression to Next Step: In this case, the user moves forward to the subsequent step in the process without any change in the reward amount.

This approach balances incentivization with market performance, encouraging participants to aim for scenarios where the VM outperforms the IP, thereby increasing their potential rewards. It's a dynamic system that adjusts rewards based on real-time market valuations, ensuring that the rewards are always aligned with current market conditions.

• HUB Difficulty

Generation date: 26 Sept 2023

HUB Difficulty Level: 2.4 HDL

Reducing NRT circulation over time - Here's how it works:

Our autonomous organization, NEO , periodically repurchases NEO Credit (NRT) tokens from the open market for permanent eradication.

This "token burn" strategy operates in a fully transparent, public manner with all pertinent information such as the number of tokens burned and transaction value meticulously recorded on the NEO blockchain.

Essentially, NEO allocates a part of its quarterly profits to acquire NRT from the market, and then extinguishes them.

This strategy is geared towards reducing the supply of NRT in circulation, thereby increasing its scarcity and potentially driving up the value of the remaining NRT tokens.

For each NEO Burn event, the token burn rate stands at 20% of NEO quarterly profits. However, the actual percentage of tokens burned may fluctuate as it is contingent upon the NEO ONE profits from the previous quarter.

For instance, if NEO made a profit of $1 million in the last quarter, it will burn $200,000 worth of NRT (which will be bought from the market). This will represent the token burn percentage for that quarter.

Marking a significant milestone, the inaugural NEO Burn event kicked off on June 1, 2023. During this event, 20% of the NEO ONE profits from the previous quarter was burned, adhering to the predetermined burn rate.

Careers

Join the My NEO Group Team! Do you want to join a group of outgoing and highly-driven people? If you're passionate, dedicated, and a fan of coffee, we'd love to hear from you!

My NEO Group's Strategic Acquisition of ZENIQ DMCC Ushers in the Era of NEO ZENTECH

DUBAI, December 2, 2023 – My NEO Group, an avant-garde in the fintech and cryptocurrency realms, has announced its acquisition of a majority stake in ZENIQ DMCC, a pioneering force in blockchain-based digital asset management. This strategic move marks the birth of NEO ZENTECH, blending My NEO Group's financial acumen with ZENIQ's technological prowess to set new benchmarks in the industry.

My NEO Group: A Titan in Financial Management

My NEO Group, with over 30 subsidiaries across the globe, demonstrates its prowess in asset management by overseeing the handling of several billion dollars through its branches. This extensive network not only underscores its immense capability in financial management but also the high level of trust it commands in the market. At the forefront of fintech and crypto innovation, My NEO Group has been instrumental in melding traditional financial systems with revolutionary decentralized finance. The group's expertise, enriched by a global network of over +300 specialists from 12 countries and a robust portfolio of international certifications and licenses, positions it as a global leader in fintech solutions. This expertise encompasses trading, cryptocurrency, blockchain, FinTech, BaaS, SaaS, and comprehensive fund management, attracting over +1,000,000 members to its community.

ZENIQ: Spearheading Blockchain Innovation

Since its inception in 2018, ZENIQ has focused on innovative blockchain solutions tailored for the DeFi world. Its flagship NOMO App, trusted by over 100,000 users, offers secure and intuitive access to blockchain technology. The app's features, such as real-time crypto transactions and a secure wallet on smartphones underscore ZENIQ's commitment to user-centric innovation. The company's roadmap reflects its dedication to pioneering the field of digital asset management, starting from concept creation to market analysis and research.

NEO ZENTECH: A Fusion of Fintech and Blockchain Mastery

NEO ZENTECH is born from a vision to harness the strengths of My NEO Group's global financial expertise and ZENIQ's blockchain infrastructure. This merger aims to elevate global standards of compliance and professionalism in the blockchain space through significant powerful new appointments, team expansion, and a dedicated focus on fostering a highly skilled and collaborative team.

NEO ZENTECH is set to fast-track the development of asset tokenization and enhance the NOMO app, leveraging the synergies between the two companies. As part of this strategic initiative, My NEO Group will implement its own technology approaches, leading to a comprehensive transformation that includes renaming and rebranding to NEO ZENTECH.

This collaboration serves as a reassurance to ZENIQ users that the ecosystem remains intact, with a continued focus on their needs and trust.

New Milestones: NEO ZT1 Smartphone and On-Ramp/Off-Ramp Services

The first concrete results of this new structure, NEO ZENTECH, include the launch of the NEO ZT1 smartphone, specifically designed for seamless integration with the ZENIQ blockchain. Moreover, a significant milestone is the transition of My NEO Group's utility token, NRT, from the Binance blockchain to the ZENIQ blockchain, enhancing the token's functionality and integration within the NEO ZENTECH ecosystem. My NEO Group also introduces new on-ramp and off-ramp services for NEO ZENTECH, available in over 170 supported countries, accommodating 400+ supported cryptocurrencies, 40+ supported fiat currencies, and all major payment methods.

Advancing Asset Tokenization through ZENIQ Blockchain

Central to this acquisition is the emphasis on asset tokenization via the ZENIQ blockchain. NEO ZENTECH is innovatively applying the ZENIQ blockchain across a variety of sectors including real estate, aviation mobility, the entertainment industry, sports ventures, and disruptive technologies in the drone industry. These initiatives highlight the versatile capacity of the ZENIQ blockchain in revolutionizing asset management and represent a strategic commitment by NEO ZENTECH to innovate in the blockchain space.

A Future Defined by Decentralized Financial Systems

The integration of My NEO Group's innovative cryptocurrency payment mechanisms with ZENIQ's blockchain technology promises to transform how consumers, merchants, software developers, and institutional stakeholders interact with fintech and crypto technologies.

Conclusion

The merger of My NEO Group and ZENIQ into NEO ZENTECH represents a significant stride towards a future driven by decentralized and inclusive financial systems. NEO ZENTECH is poised to be a game-changer in the digital asset management domain, leveraging the joint strengths of both entities to usher in a new era of innovation and excellence.

My NEO Group: A Paradigm of Security and Compliance — Unveiling Audit Insights by Renowned Firms

Graf Praschma Heß & Rottloff’s expertise in regulatory treatment shines through their detailed analysis of ZENIQ HUB’s offerings, ensuring compliance with German supervisory law. This audit affirms that the distribution of ZENIQ HUB is in strict adherence to legal standards, highlighting the company’s commitment to regulatory compliance.

FOREUS INTELLIGENCE GmbH, a leader in security auditing, conducted a comprehensive review of ZENIQ’s operations. Their findings paint a picture of robust security protocols, financial transparency, and ethical governance. The audit covers areas like regulatory compliance, safety measures, and financial integrity, showing no significant deficiencies or security vulnerabilities as of October 2023. This ongoing process signifies ZENIQ’s commitment to continuous improvement and proactive security measures.

Furthermore, My NEO Group’s commitment to annual audits post the KPMG review ensures a sustained focus on compliance, setting a benchmark in the industry. This strategy aligns with the company’s ethos of staying ahead in security, compliance, and transparency, providing its users with cutting-edge blockchain technology updates transparently.

NB: For those interested in delving deeper into the details of these audits, My NEO Group has made the comprehensive reports available for download. You can access the expert opinion by Graf Praschma Heß & Rottloff Rechtsanwaltsgesellschaft mbH and the detailed security audit by FOREUS INTELLIGENCE GmbH directly below this article. These documents offer an in-depth view of the rigorous standards and practices upheld by My NEO Group, reaffirming its commitment to transparency and excellence in every aspect of its operation.

Banca NEO

NEO BOT

NEO Bot is a Telegram BOT to do swap trading. Users can buy and sell cryptocurrency directly on the Telegram chat. The BOT is available for smartphone and computer desktop apps. 380+ cryptocurrencies are available with no registration, KYC, or hidden fees. No extra charges and low fees compared to web-based swaps.

Live Platform and Service

NEO Dash

NEO Dash is the Super-Web-App that integrates fintech services and hundreds of commonly used services for online shopping and communication into an all-in-one solution. In a single platform and a single Login, Community Members will have a user experience with incentives, discounts and cashbacks in NRT, FIAT & Crypto to increase their purchasing power. The whole ecosystem NEO handy!

• Discounts and cashback in NRT, FIAT & Crypto

• All-in-one FinTech & Crypto services solution

• One platform and one Login

• Hundreds of commonly used services

NEO Wallet

NEO wallet is a highly secure and scalable crypto wallet infrastructure, offering flexible options for digital assets management for private, businesses and institutions of all sizes.

It's a digital wallet solution covering all the essential stress points of the modern digital wallet - the perfect balance between ease of use and security, successful and quick integration with multiple blockchains, key recovery system, and low-cost fees.

• Multi-chain support

• 90% lower fees

• Encrypted backup

• Protected with MPC technology - The most secure key management method for signing transactions

• 24/7 control over your wallet

• 30+ Networks Supported

• 25ms Avg Processing Time

• 25,000+ rq/s Enterprise-ready

• 100+ TB of Big Data

NEO Wallet on NEO Dash

NEO Wallet on NEO X

Banca NEO's VISA cards are a versatile and convenient financial tool. These cards enable you to link your USDT, BTC, BUSD, USDC, ETH wallets, and your Euro vIBAN, providing a unique blend of traditional and cryptocurrency banking capabilities.

Banca NEO's VISA cards offer unparalleled flexibility. You can swiftly switch the wallet or vIBAN linked to your card, tailoring your financial tools to suit your specific needs.

Additionally, these cards are compatible with Google Pay. Once your VISA card is activated, it can be integrated with Google Pay for easy and seamless payments, right from your phone.

If you haven't yet completed the KYC process, no worries! You just need to fill in the form 📝 and follow the instructions. The process takes less than 3 minutes ⌛ to complete. Once finished, your vIBAN and VISA card will be activated instantly, and you can start using your VISA card, vIBAN, and your wallets right away!

NEO Tech Labs

NEO Tech Labs provides full technical support for the My NEO Group Ecosystem and provides services that manage clients’ servers using Linux Virtual Private Servers and tier 3 data centers that are ISO 27001-certified.

In addition, it aims to develop secure, crypto-friendly devices so people are provided with the latest technology that can help them stay ahead in the changing times of the FinTech industry.

NEO Tech Labs on NEO Dash

NEO Tech Labs on NEO X

NEO Finance

Instant crypto loan thanks to NEO Finance! Take an instant crypto loan to make the most of your assets. Don’t fear the market volatility - saddle it up! NEO Loan is a sustainable, transparent, and secure cryptocurrency lending service.

• Unlimited loan terms - Close your loan at any time – after a few hours, in a month or a year later.

• No monthly interest payments - The interest rate is accrued every month and paid when you close the loan.

• Funds protection All the funds are stored in unique wallets with monthly renewed private keys.

• Fixed LTV and APR We’ve got a fixed 50% Loan-to-Value (LTV) and 10% Annual Percentage Rate (APR).

NEO Finance on NEO Dash

NEO FINANCE on NEO X

NEO Travel Cash Back is coming your way! Book now and receive up to 50% cash back in FIAT on your next dream vacation, business trip or weekend getaway. Experience discounted prices plus cash back that those public sites just can't match! Thanks to NEO Travel you can traveling the world with instant savings and cash rewards of up to 50% at over 850,000 hotels, theme parks and car rental properties worldwide.

Worldwide availability From Andorra to Zimbabwe, jet setters and stay-cationers alike will love the NEO Travel Platform – thanks to our 850,000+ properties in over 200 countries worldwide.

Adventures for Every Budget Everyone deserves the chance to get away – no matter their budget. That’s why our travel network includes everything from economy hotels to five-star properties.

Direct Tiketing Upon arrival, travelers enjoy access to thousands of vacation activities, including exclusive discounts to the world’s most popular theme parks such as Disney Parks® and Universal Studios®.

White Glove Customer Care Why leave our members’ vacation experience to chance? NEO Travel travelers automatically receive our elite-level concierge service, with 24/7/365 customer support and pre-arrival reservation confirmation.

NEO Travel on NEO Dash

NEO Travel on NEO X

Partners, integrations and companies owned by My NEO Group

Payment Channel

Crypto Payment

On and Off ramps

NEO Exchange

Fully licensed & regulated crypto to fiat gateway. Purchase 300+ cryptocurrencies, and altcoins using a bank transfer or a credit card. NEO Exchange is a cryptocurrency payments application exchange, buy and sell cryptocurrencies. It is the connection point between fiat and cryptocurrencies, to exchange traditional money into cryptocurrencies and vice versa. Currently available the EUR (€) account, USD ($) account and GBP (£) account to provide an IBAN account for SEPA and SWIFT transfer.

• Best place to buy over 300 crypto Zero extra costs

• Fast and friendly verification

• 5+ payment options (Visa, Mastercard, SEPA, SWIFT and Fasters Payments.)

NEO Agent

White label and API services for crypto and FinTech tools. Solution for companies to start working in the Fintech sector. Receive commissions up to 50%.

A company can customize its product with its own brand, logo and identity. It's a cost-effective way to have a product to promote, without concerns for legal, tech and regulatory approvals.

NEO Sentiment

Crypto Fear & Greed Index Each day, we analyze emotions and sentiments from different sources and crunch them into one simple number: The Fear & Greed Index for Bitcoin and other large cryptocurrencies.

Why Measure Fear and Greed? The crypto market behaviour is very emotional. People tend to get greedy when the market is rising which results in FOMO (Fear of missing out). Also, people often sell their coins in irrational reaction of seeing red numbers. With our Fear and Greed Index, we try to save you from your own emotional overreactions. There are two simple assumptions:

• Extreme fear can be a sign that investors are too worried. That could be a buying opportunity.

• When Investors are getting too greedy, that means the market is due for a correction.

Therefore, we analyze the current sentiment of the Bitcoin market and crunch the numbers into a simple meter from 0 to 100. Zero means "Extreme Fear", while 100 means "Extreme Greed". See below for further information on our data sources.

Data Sources We are gathering data from the five following sources. Each data point is valued the same as the day before in order to visualize a meaningful progress in sentiment change of the crypto market. First of all, the current index is for bitcoin only (we offer separate indices for large alt coins soon), because a big part of it is the volatility of the coin price.

But let’s list all the different factors we’re including in the current index: Volatility (25 %)

We’re measuring the current volatility and max. drawdowns of bitcoin and compare it with the corresponding average values of the last 30 days and 90 days. We argue that an unusual rise in volatility is a sign of a fearful market.

Market Momentum/Volume (25%)

Also, we’re measuring the current volume and market momentum (again in comparison with the last 30/90 day average values) and put those two values together. Generally, when we see high buying volumes in a positive market on a daily basis, we conclude that the market acts overly greedy / too bullish.

Social Media (15%)

While our reddit sentiment analysis is still not in the live index (we’re still experimenting some market-related key words in the text processing algorithm), our twitter analysis is running. There, we gather and count posts on various hashtags for each coin (publicly, we show only those for Bitcoin) and check how fast and how many interactions they receive in certain time frames). A unusual high interaction rate results in a grown public interest in the coin and in our eyes, corresponds to a greedy market behaviour.

Surveys (15%) currently paused

Together with strawpoll.com (disclaimer: we own this site, too), quite a large public polling platform, we’re conducting weekly crypto polls and ask people how they see the market. Usually, we’re seeing 2,000 - 3,000 votes on each poll, so we do get a picture of the sentiment of a group of crypto investors. We don’t give those results too much attention, but it was quite useful in the beginning of our studies. You can see some recent results here.

Dominance (10%)

The dominance of a coin resembles the market cap share of the whole crypto market. Especially for Bitcoin, we think that a rise in Bitcoin dominance is caused by a fear of (and thus a reduction of) too speculative alt-coin investments, since Bitcoin is becoming more and more the safe haven of crypto. On the other side, when Bitcoin dominance shrinks, people are getting more greedy by investing in more risky alt-coins, dreaming of their chance in next big bull run. Anyhow, analyzing the dominance for a coin other than Bitcoin, you could argue the other way round, since more interest in an alt-coin may conclude a bullish/greedy behaviour for that specific coin.

Trends (10%)

We pull Google Trends data for various Bitcoin related search queries and crunch those numbers, especially the change of search volumes as well as recommended other currently popular searches. For example, if you check Google Trends for "Bitcoin", you can’t get much information from the search volume. But currently, you can see that there is currently a +1,550% rise of the query „bitcoin price manipulation“ in the box of related search queries (as of 05/29/2018). This is clearly a sign of fear in the market, and we use that for our index.

NEO Circle

NEO Circle transcends the concept of a mere sharing community; it represents a portal that empowers its members to lead the charge in the dynamic FinTech and Crypto revolution.

Holding a NEO Circle membership is akin to holding an all-access pass to an elite club, replete with exclusive privileges and exhilarating opportunities for earnings. Seize this chance to mold the trajectory of the digital transition and shape the future of finance.

Are you ready to be the Protagonist of the FinTech Revolution? Become a NEO Circle Member and enjoy the privileges of an exclusive Club!

NEO Education

CRYPTO on NEO - The Blend

Each week CRYPTO on NEO - The Blend, will publish a digest of all the important crypto news of the week. Notable news, new regulations, new projects, etc.. All the most important news from the crypto sector of the week summarized in a few pages!

NEO X

NEO X it’s the first one Super App which integrates into an all-in-one solution, fintech and crypto services, and hundreds of commonly used apps for online shopping and communication.

The Super App Shift: How consumers want save, shop and spend in the connected economy, My NEO Group look at how consumer demand for streamlined payment experiences has created widespread interest in a super app to manage the complexity of modern life.

A broad range of recent technological changes, from advanced mobile devices to artificial intelligence (AI)-powered standalone applications to new payments technologies, have changed the parameters of the possibilities for retailers, financial institutions (FIs) and consumers.

1 Real-time connections between payment rails, retailers, essential and nonessential activities and digital identities power today's consumer experiences.

2 We call this decentralized, evolving global infra- structure built for efficiency, security and intuitive user experience the ConnectedEconomy.

Within the ConnectedEconomy, con- sumers engage in a range of core activities that power day-to-day life actions that are now fundamental interconnected. For example, shop- ping online can lead to ordering from restaurants via an app, which can nor- malize app-based grocery delivery, opening the door to many other con- nected undertakings. Though these actions are intertwined, the current infrastructure is anything but. The channels consumers use to engage in the ConnectedEconomy are disjointed, a nest of separate apps and websites from myriad providers that can clog smartphone home screens and neces- sitate the creation of overwhelming numbers of accounts (and the remem- brance and safekeeping of just as many account credentials).

A super app may fix this. A super app provides a user interface through which consumers can shop, order food, check social media, bank, crypto and so on — all within a single solution. It can help solve the current ecosys- tem’s decentralization problem and address consumers’ universal desire for consistent, secure and frictionless interactions throughout the pillars of their lives.

Global consumers already want a super app: Approximately seven in 10 respondents report interest in such a solution.

Driven by a desire for convenience and financial wellness — the latter especially among Generation Z consumers — most survey respondents have at least some interest in a solution that would allow them to manage payments and other everyday activities through a centralized tool. Overall, approx- imately one-quarter are “very” or “extremely” interested in a super app, and consumers who have fully inte- grated connective technology into their lives are approximately twice as likely as other respondents to exhibit this high interest.

Consumers desire a super app, particularly for convenience and security.

A core advantage of a super app is its elegance: such a solution takes what once was a tangled thread pile of apps, websites and channels and spools it into a single, centralized experience. Nearly four in 10 consumers who are “slightly” or “somewhat” interested in a super app highly value the benefit of minimizing the risk of losing sensitive information, and among highly interested consumers, that share rises to 57%. An equal share of highly interested consumers greatly values the convenience of coordinating different areas of life in one place.

Why does Musk want to make an 'everything app'?

Would you like to make your smartphone more efficient by managing all the main apps in a single centralized platform? From social networks, to WhatsApp, to those for online shopping, such as Amazon and many others.

The solution is NEO X. It's the first “all-in-one” Super App that aggregates and makes your apps usable quickly, in a single login, freeing up storage space on your phone.

NEO X was conceived and built by MY NEO GROUP. This is why it is a real “Digital Ecosystem”, a versatile and scalable fintech platform, in which banking services and next-generation payment solutions are found. In the Super App you can aggregate all your current accounts, centrally manage transactions, deposit and exchange cryptocurrencies, and thanks to an innovative exchange system, use them to pay with a prepaid card, or with the integrated contactless system.

NEO Crypto Card

The NEO Visa Crypto Card is Now Accessible to All NEO Members!

Experience Unparalleled Convenience with Banca NEO Crypto Card! Users of NEO Dash and NEO X now have the power to connect their USDT, USDC, BTC, ETH, and NFIX wallets to their Visa cards (both virtual and physical). Dive into the future of financial transactions with us!

vIBAN: Say goodbye to banking woes of refused or blocked crypto transactions. With our Euro vIBAN, you can make both inbound and outbound payments in an instant!

Lightning Network Exchange: Swap crypto for FIAT and vice versa in mere seconds. No more waiting for transaction confirmation – your crypto or euros will be credited immediately!

Versatile Connectivity: Your NEO card can easily be linked to your crypto wallet or your vIBAN. Connect your card in just a few seconds and enjoy the convenience!

Up to 20% Cashback: Boost your purchasing power with every purchase. Receive up to 40% cashback in NRT!

Additionally, NEO's VISA cards are compatible with Apple Pay and Google for all NEO Dash and NEO X users.

4 simple steps - 4 minutes:

• Pass the KYC

• Activate your virtual card in seconds

• Connect it to the wallet of your choice (USDT, USDC, ETH, BTC or NFIX)

• Add your card to Google Pay or Apple Pay.

You are ready to pay with your card in all the shops in the world that accept Visa cards, i.e. several million. Go to https://myneodash.com > Banca NEO > Crypto Card vIBAN

NEO Crypto Card on NEO X

NEO Crypto Card on NEO Dash

NEO Fix

Driving the Future of Money NEO FIX tokens want to be a disruptor to the conventional financial system and a trailblazer in the digital use of traditional currencies, NEO FIX Tokens support and empower growing ventures and innovation throughout the blockchain space.

100% backed and fully transparent All NEO FIX tokens (NFIX) are pegged at 1-to-1 with a matching USDT token and are backed 100% by My NEO Group’s reserves. We will publish a monthly record of the current total assets and reserves.

NEO FIX on NEO Dash

NEO FIX on NEO X

Our DAO is designed to create a bridge between the world of cryptocurrency and traditional finance, enabling the free movement of money and providing greater freedom, privacy, and liberty for all of our members.

Together, we can build a brighter future for all and create a more inclusive financial system that truly serves the needs of its users. We are excited to see what the future holds as we continue to evolve and grow with the support of our DAO.We are committed to expanding our horizons as an organization by exploring new ways in which we may be able to optimize our structure or improve upon existing.

NEO DAO Technical Architecture

NEO Help

Navigate to the Customer Support section of My NEO Group, discover a world of digital services and improve your user experience in the ecosystem NEO.

• Communicate via chat, telegram and email in Italian, English and Spanish

• Comprehensive FAQs

NEO Labs - Your Gateway to Elite Web-Application Innovation!

Trusted and celebrated, NEO Labs stands as a beacon in the dynamic world of web-application development. We are not just creators - we are revolutionaries, persistently pushing the boundaries of what's possible in the digital universe.

Embarking on a journey with us means accessing state-of-the-art technology solutions designed to empower businesses, irrespective of their size or scale. We expedite your path to market by swiftly launching software applications that are a cut above the rest.

But that's not all. With NEO Labs, you aren't just fast-tracking your business to the future. You're doing it smartly. Our unique approach and innovative techniques dramatically slash development time and financial expenditures compared to traditional developers.

At NEO Labs, we believe in changing the game, not just playing it. Join us as we redefine what it means to be at the forefront of web-application development.

NEO Oracle, utilized by the Decentralized Autonomous Organization, NEO DAO, is the result of over five years of research and development, as well as the collaboration between entrepreneurs, investors and experts in crypto, Big Data, trading, AI, DeFi, HFT and traditional finance. Our state-of-the-art crypto trading strategy incorporates a variety of arbitrage methodologies and high-frequency trading technology. Over the past half-decade, this approach has consistently delivered remarkable net monthly profits, averaging between 3% and 10%. In this presentation, we will dive deep into the various aspects of AHFMSA, including strategy analysis, data collection, market analysis, and the utilization of groundbreaking technologies. You will discover how NEO Oracle consistently adapts to market conditions, ensures optimal performance, and adheres to the highest security and compliance standards. Join us as we explore the exciting potential of AHFMSA and learn how it can transform your crypto trading experience, empowering you with unparalleled insights and tools for success in the rapidly evolving landscape of cryptocurrency trading.

KNOW MORE ABOUT NEO ORACLE

In Development

NEO Custody

Secure tools about custody service for corporate customers. These include multi-signature accounts, mobile and desktop key, cold storage, key recovery, with 24/7 global support.

NEO ONE: The Pinnacle of Financial Technology

Welcome to NEO ONE, where pioneering financial technology meets seamless money management. With NEO ONE, you experience the future of finance at your fingertips. Our platform is designed to simplify your financial life, combining traditional banking and cryptocurrency in one intuitive app.

One App, One Login: Your Complete Money Management Suite

• Unified Access: Control all your financial assets – money and crypto – with a single login.

• Seamless Integration: View account information, Direct Debits, subscriptions, and more in one place.

Advanced Security for Peace of Mind

• Top-Ups Simplified: Easily add funds from any linked account with robust encryption and two-factor authentication.

• Global Banking Made Easy: Benefit from multiple IBANs and currencies. Instant local IBAN creation in multiple countries, including GBP and Euro options.

Flexibility and Convenience in Finance

• Personal or Business Accounts: Choose the account type that suits your needs, managing both effortlessly under one roof.

• Crypto Management Simplified: Manage your cryptocurrency with a few clicks. Get a Crypto Card instantly and integrate it with Google Pay for global use. Experience easy exchanges, secure storage, and fast transactions with our Euro vIBAN and Lightning Network technology.

NEO Cards: Virtual or Physical, Always Accessible

• Total Card Control: Manage all your cards in one place and connect them to Apple Pay or Google Pay for instant use.

Expanded Banking Connectivity

• Comprehensive Account Integration: Link external bank accounts in less than 30 seconds. Compatible with over 3500 banks globally, offering unlimited account numbers.

Enhanced Budgeting and Analytics

• Complete Financial Overview: All your accounts, including external ones, are part of your spending analytics, offering a full picture of your financial status.

Your NEO Hub: Mastering Finances and Enhancing Daily Life

• Exclusive Partner Offers: Enjoy up to 80% discounts and bring your projects to life with NEO Loans up to €50,000.

• Travel Benefits and Cashback Rewards: Save on travels and earn as you spend.

Visualize Your Financial Journey

• Transparent Transaction History: Easily identify transactions with detailed information and visuals.

• Geographical Financial Tracking: Trace your transactions on a map, offering a geographical perspective of your spending.

Safety and Support: Our Top Priority

• Unmatched Security: Benefit from advanced fraud protection, rigorous security measures, and 24/7 in-app customer support.

NEO ONE isn't just a financial platform; it's a revolution in how you interact with your money. Whether it's day-to-day spending, managing diverse assets, or planning for the future, NEO ONE brings it all together in one seamless, secure, and intuitive experience. Unlock your account today and step into the world where your money meets up!

NEO Open Banking

Engage and empower Consumers want to feel in control, and expect digital experiences that are easily accessible and highly personalised. NEO Open Banking’s Finance Management products are designed to create unique and engaging user experiences, at scale. Multi-banking is a solution made possible by NEO Open Banking that lets people see all their different accounts in one place – no matter the bank. Here’s how it works, and why it’s useful for consumers and businesses alike.

Many people have accounts with multiple banks or financial institutions. A checking account in one bank, investments in another, and a mortgage somewhere else entirely. What multi-banking does is make it easier for people to see the full picture of all their finances, giving them one go-to place where they can view and manage all their accounts. Multi-banking was one of the first use cases to pop up when open banking started to become a thing. And it makes sense. Once people could more easily access and share their financial information, they wanted to increase visibility for themselves.

What do people get out of multi-banking with NEO Open Banking? As simple and necessary as it may seem, the ability to see all your bank accounts in one place was not always possible. (Unless you had some spreadsheet you were manually updating, that is.) Before Open Banking, people with accounts in different banks would need to log in to multiple banking apps to check what was going on.

But the benefit of multi-banking goes beyond the convenience of having all your accounts in one screen. What it ultimately does is help people see the full picture, instead of just one piece of the puzzle at a time. NEO Open Banking helps people have a greater understanding and control over their personal finances.

• 3,400+ Banks and institutions integrated

• 250m+ Bank customers reached across Europe

• 10bn+ Transactions processed per year

• A payment institution authorised by the Swedish Financial Supervisory Authority (Finansinspektionen) to provide payment initiation services (PIS) and account information services (AIS)

• PSD2 Licence

NEO Open Banking on NEO Dash

NEO Open Banking on NEO X

Discover Innovation Like Never Before: The NEO ZT1

Elegance Redefined: The NEO ZT1 Design

Crafted with precision, the NEO ZT1 is a masterpiece of pure aluminum, offering a harmonious blend of strength and beauty. Its sleek form factor, crowned with a stunning 6.67-inch OLED display, provides an unmatched visual feast, showcasing vibrant colors and crystal-clear details like never before.

Capture the World in 64 Megapixels

The NEO ZT1’s camera reimagines photographic excellence. With its 64 MPX lens, every shot you take is infused with incredible detail, transforming each moment into a vivid, memorable snapshot.

Pioneering Technology: Our Own Blockchain Integration

In an industry-first, the NEO ZT1 is seamlessly integrated with our own innovative blockchain technology. This integration not only reinforces the device’s security but also positions the NEO ZT1 as a trailblazer in the fusion of blockchain technology with mobile communications.

A Symbol of Our Synergistic Success

The NEO ZT1 is a concrete manifestation of the successful acquisition of NEO ZENTECH by My NEO Group. This strategic move has empowered us to push the boundaries of technology and creativity, culminating in the creation of the NEO ZT1 – a symbol of our joint vision and commitment to innovation.

Experience the NEO ZT1

NEO Broker

By installing the NEO Broker plug-in, DeFi companies will be able to accept card payments in fiat currency and receive cryptocurrency automatically at affordable costs.

NEO CIM

Speak Freely with NEO CIM Say "hello" to a different messaging experience. An unexpected focus on privacy, combined with all of the features you expect.

Share Without Insecurity State-of-the-art end-to-end encryption (powered by the open source Signal Protocol) keeps your conversations secure. We can't read your messages or listen to your calls, and no one else can either. Privacy isn’t an optional mode — it’s just the way that NEO CIM works. Every message, every call, every time.

NEO Merchant

NEO Merchant is a payment gateway to accept cryptocurrency payments in online shops or physical stores. A tool for businesses to easily accept cryptocurrencies as a mode of payment. The use of cryptocurrencies in daily life to make purchases is essential for their mass adoption.

Available cryptocurrencies at the publication: BTC, BUSD, USDT (ERC20 and TRC20), NFIX.

All transactions - both in and out - will monitored via our partner Chainalysis, to make sure to respect AML regulation. Funds are screened, as well as the wallets.

NEO Island

Welcome to NEO ISLAND! The first crypto island, 100% tokenized in NEO Credit (NRT) thanks to blockchain technology, combined with the use of N.F.P.T (Non Fungible Property Token). Reserve the plot of land for the construction of your own villa on a beautiful Caribbean island.

In a constantly evolving world, where cryptocurrencies, decentralized finance and metaverse are creating new scenarios and opportunities, My NEO Group is your guide in the digital transition, thanks to a pool of strategic assets in the Fintech & Crypto sectors.

NEO Smart Chain

NEO Smart Chain is the proprietary blockchain to bridge fiat money to the decentralized world. Applications developed on this chain will be automatically connected to and available on every platform within the ecosystem.

NEO Farm

Get low-risk passive income with our mining rental solutions.

NEO Future Value

The access door to the Future of Value: Blockchain and Crypto-assets.

The evaluation of cryptoassets is objective, scientific WITHOUT ANY CONFLICT OF INTEREST.

NEO Swap

With the launch of NEO Credit (NRT), My NEO Group is revolutionizing the crypto sector, introducing a new buy/sell system based on a circular economy, entirely AI-managed (NEO Smart Engine), and a Pool Wallet (NEO Swap), both created by NEO Tech Labs.

How does the NEO Swap work? Using one of the NEO ecosystem services generates fees. These fees are split into two parts with an 40%/60% split. 60% is seeded to My NEO Group for the maintenance and security of the various platforms, customer service, etc., and 40% is used to buy NRT in the NEO Swap.

Example: John uses Coinbase to buy Bitcoin. John buys 1 000 euro of bitcoin, so he pays 1 000 euro + 3% (30 euro) in FIAT (by card or bank transfer) and receives the equivalent of 1 000 euro in bitcoin in his bitcoin wallet. John therefore paid 30 euros in fees, and these fees are taken by Coinbase for their services.

Now let's do the same example but with NEO Dash or NEO X: John uses NEO Dash/NEO X to buy Bitcoin. John buys 1000 euro of bitcoin, so he pays 1000 euro + 3% (30 euro) in fiat and receives the equivalent of 1000 euro in bitcoin in his bitcoin wallet. John therefore paid 30 euros in fees. Until now, the process is the same as it was on Coinbase. Now, however, the 30-euro fee does not go to NEO Dash / NEO X.

Instead, the fee is divided as discussed above into two parts: 60% and 40%.

40% is paid into the My NEO Group master wallet. This is the part of the fee that NEO Dash / NEO X takes to maintain the platform.

The remaining 40% is sent to the NEO Smart Engine, which is an AI that automatically uses this 40% to buy NRT in the POOL Wallet.

Everything is done automatically without John having to buy NRT himself to pay the transaction fees. Everything is managed automatically by the AI NEO Smart Engine, and no action is required on John's part.

The same logic and same operation applies for all operations carried out.

My NEO Group has over 500 collaborators working in more than 12 countries, representing over 16 nationalities. We are scientists, engineers, cryptocurrency enthusiasts, entrepreneurs and specialists from diverse backgrounds, united by a shared vision of protecting freedom, online privacy and financial freedom.

EMPOWERING INNOVATION:

MEET OUR GAME-CHANGING TEAM!

Empowering Innovation: Our Game-Changing DEV Team:

HEAD OF COMPLIANCE

NEO Trade

Follow the training of our Traders and take advantage of the benefits of the copy service to make a profit.

• Online training

• Live Trading Sessions

• Monthly Subscription for Copy

NEO Cash Flow

NEO Circle members will be able to benefit from a percentage of the fees generated by the use of the Visa card, crypto and FIAT transactions of the people they referred. This creates passive income to increase their purchasing power.

NEO Cloud Minting

NEO Cloud Minting is a service that allowes us to rent an hardware inside a mining farm.

There are many ways to generate token on the market, and one of these is called MINTING.

NEO Cloud Minting allowes us to rent an hardware inside a server farm. Cloud minting lets us to mine (generate) digital currency, just renting an hardware. You will see your daily production in digital currency and it will be deposited in your platform. You are free to keep it, preserving the value, or to exchange it immediately in Bitcoin.

What are the advantages of NEO Cloud Minting?

• Rent an Hardware

• Competitive product

• Daily production of token

• Changeable entirely in Bitcoin every single day

• Extremely profitable

NEO Angel

The start-up incubator that brings together supply and demand. Promote an idea or finance it as a Crowd-Funder.

NEO Arbitrage

NEO - Crypto Triangular Arbitrage

For 2023 we introduce a triangular arbitrage strategy to attempt to profit from potential differences between price conversions thanks to NEO A.I.

Triangular arbitrage is a commonly known technique for exploiting price differences between assets to try and make a quick and low-risk profit. If you’ve been wondering how triangular arbitrage works and how it applies to Bitcoin, Ethereum and other cryptocurrencies, you’re in luck! In this post will explain the basics of cryptocurrency triangular arbitrage, how to find triangular arbitrage opportunities, and some of the basic math behind calculating profits and orders.

What is triangular arbitrage?

Triangular arbitrage involves trading between three different assets and exploiting price differences to try and make a profit. For example, if you have BTC you may buy ETH with BTC, then buy LTC with that ETH, then finally sell that LTC back to BTC. If the bid and ask rates of each trade pair (ETH-BTC, LTC-ETH and LTC-BTC) are right, there can be opportunity for a profit.

How can I find crypto triangular arbitrage opportunities?

To find opportunities that are profitable you can do a bit of math to determine if a cross-rate is overvalued, meaning that there is a price discrepancy when trading between three different assets.

We will show by example, let’s define the following values:

Starting asset — USD (what we start with)

Trade pair A — BTC-USD

Trade pair B — LTC-BTC

Trade pair C — LTC-USD

Trading fees — In this example will assume that each trade pair has a 0.2% taker fee.

We will use the following order book data for this example, which shows the ask and bid for each trade pair:

There are two different paths we can use to trade:

First path — Buy, Buy, Sell

1. Buy on “Trade pair A”. We would start with USD, and buy BTC on BTC-USD using that USD.

2. Buy on “Trade pair B”. We now have BTC, and we buy LTC with BTC on LTC-BTC.

3. Sell on “Trade pair C”. We now have LTC, and we sell LTC for USD on LTC-USD, ending with a balance of USD again.

The formula to calculate the cross-rate formula for the First path is:

• (1 / “Trade pair A” ask) x (1 / “Trade pair B” ask) x (“Trade pair C” bid)

If this cross-rate is > 1, it’s overvalued. If it’s > the sum of each trade pair’s trading fees it would be profitable. In this example, our trading fees are 0.2% on each pair so the cross-rate must be > 1.006. (0.2% is 0.002, so it’s 1 + 0.002 + 0.002 + 0.002).

Second path — Buy, Sell, Sell

1. Buy on “Trade pair C”. We would start with USD, and buy LTC on LTC-USD using that USD.

2. Sell on “Trade pair B”. We now have LTC, and we sell LTC for BTC on LTC-BTC.

3. Sell on “Trade pair A”. We now have BTC, and we sell BTC for USD on BTC-USD, ending with a balance of USD again.

The formula to calculate the cross-rate formula for the Second path is:

• (1 / “Trade pair C” ask) * (“Trade pair B” bid) * (“Trade pair A” bid)

If this cross-rate is > 1, it’s overvalued. If it’s > the sum of each trade pair’s trading fees it would be profitable. In this example, our trading fees are 0.2% on each pair so the cross-rate must be > 1.006. (0.2% is 0.002, so it’s 1 + 0.002 + 0.002 + 0.002).

Finding the profitable order path

Using these formulas above, we can calculate the cross-rate of each path and we will get the following results which shows that the First path is profitable after trading fees.

Accounting for slippage

We must also calculate the correct order amounts to avoid slippage. For example the first ask that you’ll be filling may only be for 0.5 BTC, so if you submit an order larger than that you’ll end up incurring slippage and not get the rate that you expected. This is a complex topic that we won’t be going into too deeply in this post, but basically it’s easiest to do the math for each trade pair’s ask and/or bid that you’ll be filling to figure out how much it’s value is in the Starting asset. For example, if the LTC-BTC ask you’re filling is 1.5 LTC you can figure out how much BTC that 1.5 LTC is equivalent to. Do this with each trade pair, and then find the smallest order size among the three orders and use that as your maximum order size since that’s the largest order you can submit without slippage.

Why Triangular Arbitrage?

Cryptocurrency pricing is volatile. This is largely because one cannot generally take traditional investing concepts and apply them successfully. There are a large number of unclear factors that can influence a cryptocurrency’s price. Arbitrage methods, including Triangular Arbitrage, are relatively risk-free and attempt to ensure a profit regardless of many market conditions, and generally don’t need to be monitored as often as other riskier strategies.

2023

Budapest Event Tallin Event Zagreb Event Tahiti Event

NEO Crypto TAX - Rapid Crypto Tax Reports in Less than 20 Minutes NEO Crypto TAX streamlines your cryptocurrency tax calculations and strategizes to minimize your tax liabilities for the upcoming year.

Effortless & Dependable - Servicing 20+ countries - Preview Your Report for Free - TurboTax & TaxAct - Compatible HMRC / ATO / CRA - Report Ready

Download Your Tax Documents with Ease Regardless if you're self-filing, utilizing tax software like TurboTax, or partnering with an accountant, NEO Crypto TAX has the capacity to produce the ideal crypto tax reports for you. For those filing within the US, NEO Crypto TAX is equipped to create pre-filled IRS tax forms. Thorough tax report. Generate a complete crypto tax report inclusive of all your long/short term disposals. Audit-Proof Guarantee

NEO Node

Node-as-a-service provider to connect crypto nodes by using API key. All the important blockchain technology and infrastructure will be set up and nodes will be maintained by the NEO node team. It is built for crypto exchanges, payment applications, and other platforms or companies that want to create an infinite number of crypto wallets.

Pricing

🚀 Dive into the heart of excitement with our exclusive recap of My NEO Group's Spectacular Event in Budapest! 🇭🇺 Held on October 27-28, 2023, this event was not just a meeting of minds but an electrifying fusion of innovation, inspiration, and networking.

🌐 What's Inside:

🎥 Behind-the-scenes glimpses of the most dynamic sessions 💡 Insightful talks from industry leaders that will leave you inspired 🌉 Breathtaking moments from one of Europe's most enchanting cities 🤝 Unforgettable connections: See how My NEO Group brings people together 🔥 Why Watch? If you're passionate about innovation, networking, and experiencing the vibrancy of global communities, this video is your gateway to experiencing the essence of My NEO Group's vision and spirit.

✨ Connect with Us:

Join the conversation using #MyNEOGroup2023 Share your thoughts and experiences with #BudapestEvent Get a glimpse into the future with #NEO_ONE Stay tuned for more with #2023Trends Explore the cutting-edge with #NEOZENTECH 👉 Don't forget to Like, Share, and Subscribe for more captivating content from My NEO Group. Your engagement helps us build a stronger community!

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🌐 Step into the future with My NEO Group at our groundbreaking Zagreb event on December2nd, 2023! This video captures the spirit and innovation of our Zagreb gathering, showcasing the latest advancements in fintech and crypto. Witness the moments that are redefining the industry standards.

📈 Highlights:

🎥 Dive into a high-energy recap of our Zagreb event 🌟 Engage with insights from fintech and crypto thought leaders 🚀 Experience the pulse of innovation in one of Europe's vibrant tech hubs

🔹 The Journey Continues:

📍 Tahiti, French Polynesia - December 10th Join us as we journey to more destinations, unveiling groundbreaking developments that are shaping the future of finance. 🔥 Be Part of the Movement: Stay up-to-date with the latest trends and developments in fintech and crypto as My NEO Group leads the charge in these dynamic sectors.

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Spark discussions with #MyNEOGroup Delve into the fintech evolution with #FintechRevolution Discover new frontiers in crypto with #CryptoInnovation Relive the Zagreb experience with #ZagrebEventHighlight Explore the intersection of tech and finance with #NEOZENTECH

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🌐 Embark on a journey through the forefront of fintech and crypto with My NEO Group's trailblazing events! This quick, 45-second recap brings you the electrifying highlights from our recent Tallinn event held on November 25th, 2023. Relive the moments that are setting new standards in the world of financial technology and cryptocurrencies.

📈 What's Inside:

🎥 A concise, 45-second highlight reel from the Tallinn event 🚀 Key discussions and groundbreaking insights from industry leaders 🌍 Perspectives that are reshaping the future of fintech and crypto 🔹 Up Next:

📍 Zagreb, Croatia - December 2nd 🏝 Tahiti, French Polynesia - December 10th Be part of the unfolding story as we continue to unveil transformative developments in these upcoming gatherings. 🔥 Stay Informed: Follow our journey as we spearhead innovations in fintech and crypto. Watch out for updates and breakthrough announcements from our team.

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Engage in the dialogue with #MyNEOGroup Explore cutting-edge advancements with #FintechRevolution and #CryptoInnovation Recap our Tallinn event with #TallinnEventRecap Discover the synergy of technology and finance with #NEOZENTECH 👉 Remember to Like, Share, and Subscribe to keep up with My NEO Group's pioneering initiatives in fintech and crypto. Your interaction is key to our global community's growth!

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🌺 Discover the Fusion of Advanced Technology and Pristine Nature at My NEO Group's Tahiti Event! Celebrated on December 10, 2023, in the idyllic landscapes of Tahiti, this summit was more than just a gathering – it was a showcase of how technology, specifically NEO ZENTECH's blockchain and tech innovations, can harmonize with natural beauty.

🚀 Event Highlights:

🌞 Relive the Tahiti Summit, where NEO ZENTECH's cutting-edge technology met Tahiti's natural splendor. 💡 Gain insights from tech leaders about the future of blockchain and sustainable technology. 🌊 Experience a unique blend of Tahitian culture with the technological prowess of NEO ZENTECH.

🔥 What Made This Event Exceptional:

🌐 A focus on NEO ZENTECH's blockchain technology, emphasizing its potential in environmental sustainability. 🤝 Networking in an eco-conscious setting, highlighting the synergy between technology and nature. 🌱 Interactive sessions on integrating advanced technology, like that of NEO ZENTECH, with ecological goals.

✨ Our Video Recap Offers:

A visual journey through the innovative presentations of NEO ZENTECH’s technology and blockchain solutions. Inspiring moments from discussions on technology's role in sustainable future. A glimpse into My NEO Group's commitment to blending tech innovation with environmental responsibility.

🌍 Join My NEO Group's journey as we continue to explore the intersection of technology and sustainability. The Tahiti event is a testament to our vision of a world where tech and nature coexist in harmony.

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The Diffusion of Innovation Theory: A Comprehensive Guide

These stages present a systematic journey through which technology becomes widely embraced in our society. From the initial spark ignited by the Innovators, the adoption process gains momentum with the Early Adopters, expands into the mainstream with the Early and Late Majority, and finally, reaches completion when even the Laggards come onboard.

The sociologist E.M. Rogers pioneered the Diffusion of Innovation Theory in 1962, premising that with sufficient time, technological products are embraced by society at large. He classified adopters of these technologies into five groups based on their psychological profiles: Innovators, Early Adopters, Early Majority, Late Majority, and Laggards.

Unpacking the Diffusion of Innovation Theory

E.M. Rogers' theory proposes that ideas and products spread, or diffuse, through a population over time. In essence, this diffusion process signifies that consumers embrace practices they hadn't previously considered, with this new product adoption potentially influencing societal norms.

For businesses and marketing departments, this diffusion resulting in new product purchases and societal influence is of paramount importance. To translate this theoretical process into reality, the correct consumer segment must be targeted – a topic we'll explore further in the next section.

Consumer Categorization in the Diffusion of Innovation Theory

Within a social system, individual consumers can be segmented into five distinct groups, each showcasing unique innovation tendencies:

1. Innovators: These are the trailblazers - the first consumers to purchase a new product post-launch. Typically hailing from upper socioeconomic tiers, they possess the financial means to indulge their high-risk tolerance. Their social networks are robust, often interlacing with other innovators.

2. Early Adopters: Early adopters echo innovators in terms of financial status, educational attainment, and social standing. They wield significant influence through their robust opinions and demonstrate leadership qualities. However, they exhibit a more measured risk tolerance, making them more selective about their product choices.

3. Early Majority: This group represents consumers who embrace a new product or technology after a reasonable time lapse. Although not as vocal as the early adopters, their opinions continue to impact broader societal trends.

4. Late Majority: Late majority consumers approach new products with caution, often due to their limited financial resources and societal status. They typically wait until a significant proportion of the consumer population has embraced a product before they follow suit.

5. Laggards: Laggards form the final wave of consumers to adopt a new product. Often found among older demographics with traditional values, they tend to resist change. Their social networks are smaller, and they generally show little interest in expressing their opinions.