Creation Of A Crypto Business Turnkey - From The Legal Entity To The Software.
Turnkey Crypto-Business
For Buyers and Traders:
The integrated offer includes the registration of a company in Estonia, obtaining a license for working with cryptocurrency (maintaining wallets, exchanging fiat currencies for cryptoassets).
The company will establish accounts on large cryptocurrency exchanges as agreed with the client. Software (self-developed or under a license agreement from a third party) for maintaining wallets, exchange, client block (AML procedures) are also included.
How to determine what the service is for me
If you value your time in principle, and you want to do business rather than red tape – then this service is for you.
What's the advantage of the service
The key thing you gain by contacting us is time. You do not need to create a website, register a company and configure everything. We will do everything for you.
Our services:
- Registration of a company in Estonia;
- Obtaining a license for working with cryptocurrency;
- Maintaining wallets;
- Exchanging fiat currencies for crypto-assets;
- Set up accounts on major crypto exchanges as agreed.
Turnkey Electronic Commerce Solution
We offer a comprehensive solution for organizing online trade in your goods or services, which will allow you to focus on the development of competitive advantages, leaving us all the worries of organizing your business.
Services
The solution involves company incorporation, bank account opening, website development, card payment service integration, and main and merchant account setup.
Website
Your website will be developed by our experienced programmers team using the edge technologies and design achievements.
Result
Access a complete infrastructure solution managed by one provider, with optional accounting support and financial report preparation.
A merchant account is a special merchant account whose owner can accept VISA, Master Card and other payment cards, as well as receive payments from customers’ bank accounts. This is a convenient function because it allows you to receive payments 24 hours a day, regardless of bank or merchant working hours: regardless of when the customer pays at night, on weekends, or on holidays, the money will definitely be credited to the account.
Moreover, a merchant account allows you to accept payments from different countries. With it, it’s much easier to expand outside your jurisdiction. Moreover, merchant accounts work with many currencies that are often unavailable in “classic” banking.
It takes from one week to one month to open an account. This period includes the selection of the optimal provider, taking into account the specifics of your business, and the opening of an account.
The acquiring bank (which provides acquiring services – accepting bank cards for payment) gives the client a special identification number, which is linked to the bank account of the company. So, as soon as the client pays for a purchase, the money from his card automatically goes to the merchant’s account.
How does it happen? Every person who has ever made a purchase on the Internet (whether it be concert tickets, a food processor, or a telephone) has interacted with a merchant account. From the consumer’s point of view, everything is simple: choose a product, go to the right page on the site, and pay.
After selecting an item and pressing the “Pay by Card” button, the processing center/merchant provider (the company that technically provides card payments, linking the buyer, merchant, and bank) redirects the customer to a secure payment form page. There he enters the card number, expiration date, and CVV code.
The request is then sent to the acquiring bank, which communicates with the payment system (e.g., Visa or MasterCard). Then the payment system requests information on the card from the issuing bank (the issuer is the bank that issued the card). If everything is in order (account is active and has enough funds for payment) payment system sends confirmation to bank-acquirer. From there the information goes back to the processing center, which notifies the merchant that the payment has been made.
A payment gateway functions as an intermediary between the virtual shopping software and all of the financial networks involved in the purchase, including the customer’s credit card issuing bank and your identification code at the bank. A payment gateway is software that is installed on your site and performs many functions, such as verifying the validity of the card, encoding the purchase details, ensuring they are sent to the right place, then decoding the responses, which are then sent back to your site and serve as the key to confirm or not confirm the payment.
In this way, the payment gateway is the intermediary between you and the processing center.
Not all merchant account providers have a payment gateway. Some providers use third-party payment gateways, which can add to the hassle when a dispute arises over a customer’s refund.
We recommend that our clients have a processing center and payment gateway from the same provider.
A merchant account enables you to accept card payments from your customers on your website. A merchant account is a contractual relationship between your company, your bank and the processing center according to which the funds received from your clients’ plastic cards are credited to your bank account.
The bank or payment processing company gives your company a unique identification number that allows you to distinguish your business from millions of others around the world (Merchant Identification or Merchant ID). This unique number is included in every payment you make on your website. This ID is also automatically linked to your company bank account and allows you to transfer payments from your customers’ cards to your current bank account.
High-risk activity is any activity that meets two criteria:
– It has a high probability of chargeback – a refund to the client at his request.
– High risk of fraud according to general statistics.
High risk of chargeback – if the client returns his funds, you will receive a penalty, as will your merchant provider. If there are too many chargebacks, the merchant provider will be forced to end the relationship with you, because he is also at risk. If there are too many chargebacks for all of the merchant providers’ clients, the merchant provider itself could be disconnected.
The specific activities that are high-risk or unacceptable are independently approved by companies and banks, and are periodically reviewed.
Keep in mind that as a rule, the 3DS system will be active during payments.
The peculiarity of this system is that, according to studies, the presence of the 3DS system lowers the conversion rate of the site, sometimes quite a lot.
3-D Secure is an XML protocol, which is used as an additional level of security for online credit and debit cards, two-factor user authentication, but does not guarantee the security of funds on the card. 3-D Secure adds another authentication step for online payments to further ensure that it is the cardholder who makes the payment, to protect against fraudulent transactions. 3-D Secure should not be confused with the CVV2 code, which is printed on the back of the card.
Our company has experience in communicating with merchants to disable 3DS for high-risk activities even for companies established from scratch. But in such a case, additional measures should be taken to prevent customer chargebacks.
As a rule we recommend our clients to open merchant accounts directly with banks or processing companies established by banks, because bank rates are usually lower and, besides, cooperation with banks is more trustworthy.
Usually, merchant accounts for payment processing are opened by banks or specialized processing companies. When you apply for a merchant account, the bank or processing company considers your application, taking into account a number of factors, including the following:
– The type of goods/services you offer. Keep in mind that it is much more difficult to open a merchant account if you offer high-risk goods or services, such as online gambling, adult content, sales of pharmaceuticals, alcohol and tobacco products, prepaid calling cards, travel agencies and travel agencies, etc.
– projected total sales
– average amount per sale
– Countries of business transactions and currency of the cards
– Existence of a working website and its compliance with Visa and MasterCard requirements – we can help you perform an initial site analysis for compliance with these regulations.
If your business falls into the high risk category, most banks may refuse you, and then other financial institutions come to the fore.
All the money your clients pay goes into the transit accounts of your merchant provider. Then, depending on the terms of the organization, it will stay there for a period of time from 1 to 3 weeks. This is what is known as a “Hold” – or “hold”.
The purpose of this precaution is to ensure that the merchant provider can refund all clients if they request it. It is a common practice.
The second precautionary measure is “Reserve” or “reserve” – a measure that will withhold a certain percentage from the total amount of money paid by your clients – from 5% to 15% for a long period of time – from 1 month to 6 months. Specific conditions depend on the bank or organization with which you will sign a contract. Our task is to find the most favorable conditions for you.
After the transit account, the funds will be transferred to your bank account or your account in the payment system.
Standard requirements for documentation submitted to a bank or processing company are as follows:
The company’s incorporation documents:
– Certificate of Incorporation;
– The Charter and the Memorandum of Association;
– Documents confirming the appointment of director, secretary and shareholder;
– Certificate of Good Standing. This document should be obtained if the company was registered more than a year ago;
– Certificate of Incumbency. This document is often required by banks if the company was incorporated over a year ago or there have been any changes in its structure;
– Details of your Refund Policy;
– Copies of the latest company bank statements, which may be required depending on the expected monthly turnover on the merchant account, for a period of 1-6 months;
– If you have previously opened a merchant account, the processing history for that account.
Personal documents of directors, shareholders, secretary:
– Copy of passport certified in a certain way (according to the requirements of the bank or merchant provider);
– Proof of address (utility bill, bank statement, other official document);
– A bank reference letter;
– Reference from the bank or payment system – about the opened account.
If you do not have a registered company or bank account and are new to merchant account opening, you may find the whole procedure complicated and time-consuming. We can help you set up a turnkey merchant account with a reputable bank and a trustworthy merchant bank. If you have any questions related to the procedure of opening a merchant account for business, please contact our specialists will be glad to help you.
Turnkey Ready Emi Payment System
Bank accounts
This solution includes registration of an electronic money company, creation of a main website, a personal account of users and the entire back-end structure for making payments, and support for opening an account in banking institutions.
Preparing to go through compliance. Creating a website and social networks and filling them up.
Preparing to go through compliance. Creating a website and social networks and filling them up.
Comparative analysis of account opening conditions in different banks (including rates, efficiency, confidentiality level etc.)
Preparing document package
Legal support and information support at all stages of account opening
Representation of the client’s interests in negotiations with bank employees
Credit transactions
Mortgage
We lend on:
– commercial real estate (for example: stores, buildings for warehouses and bases);
- residential real estate (for commercial purposes).
Do you need premises for your business, and your own funds are not enough?
Commercial mortgage is a loan for legal entities and individual entrepreneurs for the purchase of non-residential premises, warehouses, industrial premises, stores or offices to be used for commercial purposes, with the purchased real estate as collateral.
The bank lends up to 75% of the real estate value:
- commercial real estate (for example: stores, buildings for warehouses and bases);
– Residential real estate (for commercial purposes).
Commercial Real Estate
Commercial real estate objects are goods of a special kind, there is a connection between the socio-economic essence of the commercial real estate market and the services market. The purpose of the services market, as we know, is to create conditions for human activity and life-support in all the multifacetedness of their properties and manifestations. The commercial real estate market is a constituent element of the unified market of services. The object of real estate is useful not in itself, but as a set of possibilities for the implementation of the activity process and its maintenance. This circumstance allows us to characterize the commercial real estate market as one of the varieties of the service market. There is a connection of the real estate market, including the commercial market, with the financial market and with the labor market. The commercial real estate market is one of the varieties of the investment market.
Factoring
The essence of factoring:
You’ve delivered goods or services, and it’s going to take a month to pay for them. It seems that your business is becoming like a bank business: you are lending to your clients. But unlike a bank, you have no spare cash, no credit analysts, and no debt collection service. And every late payment threatens to leave your business without working capital. Factoring can help protect you from risk and take your business to the next level.
Factoring is an exchange of future proceeds for money. You sell goods with a deferred payment or payment by installments, and invoice the customer. This invoice is a promise of your future earnings, but you have not yet received any money from the buyer. A bank, microfinance institution (MFI), or factoring company takes this invoice and pays it before your customer does. This is how an intermediary – a factor – appears in the calculations between the seller and the client. He can, in addition to payment, keep the trade documents.
Factoring allows you to make a favorable offer to your client
Deferral is a benefit for your client: by offering them comfortable payment terms, you can get ahead of your competitors. And with factoring you can sell goods or provide services with deferred payment without fear of cash gaps: the proceeds will come on the day of shipment, and this money can be put into business immediately.
No need to leave collateral
Unlike a loan, in factoring you don’t have to leave collateral to get the money. The collateral becomes your receivables, that is, your future revenues.
With factoring, you can scale your turnover
You can increase deliveries during the high season or enter new markets. If demand in the market drops, you can choose which deliveries you need factoring service for so you don’t have to pay extra fees.
Leasing
Leasing
The world of asset finance, leases and rental agreements is not always as clear as we would like it to be. One area of understanding that often raises doubts is the difference between financial leasing and operating leasing. An operating lease is a service by definition different from a finance lease. So let’s start by explaining financial leasing.
What is financial leasing?
Financial leasing – a method of providing financing, when in fact the lessor (leasing company, lessor) buys an asset for the end user (lessee or lessee) and leases it for an agreed period of time.“The right to own and use the leased asset passes to the lessee in its entirety, unless the leasing agreement provides otherwise. “1
In general, this means that the lessee is in virtually the same position as if he had purchased the asset.
From a business perspective, an asset is a property capable of generating income. In a business, these are: buildings, equipment, raw materials in warehouses, money in accounts, vehicles, and more. On a company’s balance sheet, their value is listed as an asset. In this article, we mean a vehicle (TC) or special equipment as an asset.
Leasing agreement
The leasing company (LK) receives lease (leasing) payments as remuneration for leasing the asset to the lessee. The LC retains ownership, but the client receives full right to use the asset.The lessee will make lease payments that will cover the market value of the asset over the lease period.
The main condition of the agreement is to make these payments every month and sometimes a rather large redemption payment at the end of the lease term. When all is paid, ownership of the asset passes from the leasing company to the lessee (lessee). Technically, a financial lease cannot be terminated or cancelled, although it is possible to terminate it before the date agreed in the leasing agreement in case of an early redemption of the property. Schedule with the terms of early repayment is included in the contract.
The final stage of leasing
What happens at the end of the main period of the finance lease can vary and depends on the terms of the lease agreement. The following options are possible:– The customer redeems the leased item at residual value rather than market value;
– the lessee transfers the debt under the leasing agreement to a third party.
If the client wants to lease a new car, LC offers the service of selling the old car in trade-in. The funds received after the sale are set off against the lessee’s obligations to make an advance payment under the new deal.
Operating leases
Business credit
Business Credits
We offer business loans for various purposes:
- Expansion of existing business operations;
- Purchase of equipment and technology;
- Working capital financing;
- Startup funding.
Do you need funds to grow your business and achieve your goals?
Business credits are designed to support entrepreneurs and companies in their growth and development. Whether you need to purchase new equipment, increase your working capital, or invest in new projects, our business loans offer flexible solutions tailored to your needs.
Our bank provides loans up to 80% of the required capital for:
- Business expansion and operational growth;
- Acquisition of new technology and machinery;
- Short-term working capital needs;
- Financing new business ventures and startups.
Key Benefits of Our Business Credits:
- Competitive interest rates;
- Flexible repayment terms;
- Quick approval process;
- Expert financial advice and support.
Let us help you take your business to the next level with our comprehensive business credit solutions.
CTO
Our CTO services encompass a wide range of technology solutions:
- Strategic IT planning;
- Systems integration;
- Technology infrastructure management;
- Cybersecurity solutions.
Do you need expert guidance to enhance your technology strategy and infrastructure?
Our Chief Technology Officer (CTO) services are designed to provide businesses with strategic direction and oversight for their technology needs. Whether you need to integrate new systems, manage your IT infrastructure, or enhance your cybersecurity measures, our CTO services offer the expertise and support you need.
Our CTO services include:
- Development of comprehensive IT strategies aligned with your business goals;
- Integration of advanced technologies to streamline operations;
- Management of IT infrastructure to ensure optimal performance;
- Implementation of robust cybersecurity measures to protect your assets.
Why Choose Our CTO Services:
- Expertise in the latest technology trends;
- Customized solutions tailored to your business;
- Proactive approach to technology management;
- Dedicated support to ensure seamless IT operations.
Partner with us to leverage cutting-edge technology and drive your business forward with confidence.