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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
Modulr
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.

Nebeus — frequently asked

What bank does Nebeus use?

Nebeus discloses Modulr as its banking provider, according to the Embedded Finance Index 2026.

Is Nebeus a bank?

Nebeus does not disclose a bank charter of its own; its banking services are provided through Modulr.

Who is Nebeus's payment processor?

Nebeus processes payments through Modulr. Disclosed money-movement rails: RTP, SEPA Instant and Faster Payments.

Who issues Nebeus's cards?

Nebeus's cards are issued through Modulr on the Visa network.

Which KYC provider does Nebeus use?

Nebeus uses Sumsub for KYC and identity verification.

Who provides Nebeus's lending?

Nebeus's lending and capital products are provided by Nebeus (in-house).

Who handles Nebeus's FX and cross-border payouts?

Nebeus uses Modulr for FX and cross-border payouts.

Which crypto provider does Nebeus use?

Nebeus's crypto products run on Nebeus (in-house).

What is Nebeus's embedded finance stack?

The Embedded Finance Index 2026 maps 9 layers in Nebeus's stack: Payments / PSP (Modulr); Money movement (RTP, SEPA Instant and Faster Payments); Banking / BaaS (Modulr); Card issuing (Modulr); Card network (Visa); Lending (Nebeus (in-house), Crypto-backed loans for individuals and Loans for businesses); KYC (Sumsub); FX & payouts (Modulr); Crypto (Nebeus (in-house)).

Where is Nebeus headquartered?

Nebeus is founded in 2014 and headquartered in Barcelona, Spain.

How much funding has Nebeus raised?

Nebeus has raised £1.1M+ (Crowdcube 2018) in total.

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