Nebeus
“Can a crypto-native app become the default multi-currency bank account for digital nomads by bridging stablecoins and IBAN rails?”
Founded2014
HQBarcelona, Spain
Total raised£1.1M+ (Crowdcube 2018)
IndustryFintech / Crypto
The story
Founded 2014 in Barcelona as a crypto wallet and P2P Bitcoin lending platform. Evolved into a hybrid crypto-tradfi app by 2022, when it added embedded fiat accounts and Visa card issuing via Modulr — giving users EU IBANs and UK Sort Codes linked to their crypto holdings. Now positions itself as a financial app for digital nomads, businesses, and crypto users, regulated by the Bank of Spain (D664) and MiCA-compliant.
Last 12 months
—
Product timeline
2014
Company founded in Barcelona· founding
2017
Began active trading with crypto wallet, P2P Bitcoin loans, and pre-paid crypto card· launch
2018
Raised £1.1M via Crowdcube· funding
2021
Began partnership with Sumsub for KYC/AML· compliance
2022
Partnered with Modulr for card issuing, fiat accounts, and real-time payments (SEPA Instant, Faster Payments, Direct Debit)· banking
2023
Launched Nebeus Visa Debit Card across Europe· card
Regulated entities
1
regulatory licence held by Nebeus
Licence types, jurisdictions and registered entities are in the Embedded Finance Index report.
The stack
9 layers disclosed in Nebeus’s embedded-finance stack
Payments / PSP
Money movement
in the full report
Banking / BaaS
in the full report
Card issuing
in the full report
Card network
in the full report
Lending
in the full report
KYC
in the full report
FX & payouts
in the full report
Crypto
in the full report
Accounting gap: significant
12 more providers across 8 layers, with confidence-scored evidence and source URLs, are in the Embedded Finance Index report.