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Mor
e
f
inancial
in
dependence

Our plan is to go beyond having banking accounts, wallets and cards. Morfin transforms traditional, money-in, money-out banking into personal financial management, with all its complexities made easy.

We want money to serve people, not the other way around.

Countdown to STO launch

-141DAYS -1HOURS -26MINS -56SECS

THE NEXT EVOLUTIONARY STEP FOR BANKING AND PERSONAL FINANCE.

The pure peer-to-peer banking experience

Morfin bridges crypto to banking.  We bring blockchain values into banking and create a platform that grants you both financial freedom and a safe space for your finances. You can source from the community many of the operations a bank does for you today. This cuts the costs of your normal banking operations to a bare minimum. Lend, loan and, exchange any currency and enjoy a full slate of financial services with no intermediaries.

Morfin is our contribution to a more decentralized financial system.

Hub-banking

Connect your favorite banks and crypto accounts in one single app.

Person to person

We fully adhere to blockchain values. Morfin cuts out intermediaries and slices fees significantly.

Crypto inclusiveness

We provide a safe harbor for crypto. Your Morfin account allows all operations, deposits and withdrawals for a wide range of trusted cryptocurrencies.

Banking Grade Security

Morfin uses regulated suppliers from rigorous jurisdictions. Our platform and our security is built to meet Luxembourg’s extremely high standards for banks. We’re on our way to get our licenses in Luxembourg.

Unmatched Privacy

All your personal information is anonymized and under your control. We separate the legally required data from the rest of your data. Your data is YOUR asset and creates value just for you.

Personal goals

Save, become financially independent or develop your business consistently. Our smart app will guide you towards your goals.

FEATURES ROADMAP

Q2 2020
Q3 2020
Q4 2020
Q1 2021
Q2 2021
Q3 2021
Q4 2021
Q1 2022
Q2 2022
Q3 2022
Q4 2022
Q1 2023
Q2 2023
Q3 2023
Q4 2023
Q1 2024
Q2 2024
Q3 2024
Q4 2024
mobile app | crypto wallet | eWallet with
IBAN integration
mobile app | crypto wallet | eWallet with
IBAN integration
debit cards debit cards
external wallet integration | referral program external wallet integration | referral program
integrating users’ external bank account |
business accounts
integrating users’ external bank account |
business accounts | p2p market |
integration with external exchange
EMI license | social scoring |
expense gamification with rewards
EMI license | social scoring |
expense gamification with rewards | p2p FX |
geographical expansion | expense tags BI |
expense prediction AI |
in-app token governance
p2p marketplace |
expense tags BI/expense prediction AI
p2p ATM |
request money links
p2p FX, in-app token governance p2p lending | Eastern European Cards |
open source frontend
p2p ATM Eastern European currencies IBANs |
tools for SME invoicing | VAT |
SME automatic invoice payment
p2p lending white label solution for banks |
AI generated personalized UI on app
Tools for SME invoicing/VAT invoice payment OCR and QR |
direct debits
Eastern European currencies IBANs Layer2 solution integration (Lightning /
Cosmos / Plasma)
SME tools POS (crypto POS)
Layer2 solution integration (Lightning /
Cosmos / Plasma)
Asia and Africa expansion | Corporate
multibanking and multibank cards
Invoice payment OCR and QR Crowdfunding features for SME | Alexa /
Siri / Google home integration
Crowdfunding features for SME Securities trading license (STO platform)
SME automatic invoice payment (send
my mail, upload in portal)
Crypto to crypto smart credit cards
Escrow accounts
Banking license
Morfin foundation – social program (1:1
donations, for each paying user one
person in need will be helped)
Securities trading license (STO platform) Morfin Academy for financial education
and sustainable finance

WITH MINIMAL FUNDING WITH MAXIMAL FUNDING

WHY SHOULD YOU GET INVOLVED IN OUR STO?

Our product addresses the problems of over 67* million crypto owners and more than 30* million customers of challenger banks. We redefine financial relationships across the board and stand for better communication among users and between users and institutions! Get involved in the early STO stage to get a share of the profits for life.

INVESTOR’S PATH

Get whitelisted

It takes you less than 3 minutes to authenticate, confirm your identity and become an eligible investor in our STO.

Reserve ownership

Once your account is validated, you are free to reserve Morfin security tokens on our platform.

Sign a contract

Your investment is protected by a legally-binding contract under Luxembourg commercial law. Morfin security tokens are regulated and comply with EU legislation. (prospectus regulation and corporate law)

Enjoy the profit sharing

Morfin security tokens are directly linked to company shares. Investors are entitled to dividends and all the rights attached to shares under Luxembourg corporate law.

With Morfin you invest in a company subjected to audits

Your security tokens are guaranteed to grant you ownership in the company, in perpetuity.

How much love would you give Morfin?

Would you like to get whitelisted and start
using Morfin as soon as it comes out?

LEND YOUR SUPPORT

Did our project get you interested? You can get involved and invest anywhere between 150 and 1500 euro right away.

OUR TEAM

We appreciate your support! Check out the credentials of the people who work for you

Vlad Centea
Paul Mijoiu
Ionut Negru
Joona Mäntyvaara

UPDATES ON OUR WORK