Our Model

From Capital to Institution — Delivered with Unusually High Certainty

Our process is designed to eliminate execution risk. Every stage — from licensing to full operations — is managed by Monerys AG and Lloyds & Partners, Switzerland’s leading turnkey bank building team, supported by 40+ vetted suppliers who have already delivered several fully licensed bank structures over the past 18 years.

Why Legacy Institutions Can’t Compete

Legacy banks are burdened by outdated systems and high fixed costs. Retrofitting for blockchain is structurally unfeasible.

Crypto-native firms chase regulation but lack the governance, expertise, and institutional credibility to secure it.

Hybrid Advantage

Turnkey Delivery Track Record — Executed by Lloyd & Partners, who have successfully delivered several financial structures in the last 18 years.
Cost Advantage — Designed to operate with up to 40% lower overhead than traditional institutions, due to a lean infrastructure and no legacy systems.
Accelerated Liquidity — Tokenized structures enable investor exits 2–3 years faster than conventional private equity lock-ups, while retaining regulatory integrity.
Regulatory Moat — With former FINMA officers on our execution team, we navigate Swiss licensing with insider expertise no competitor can match.
Governance — Investor oversight, audit rights, and reporting frameworks are already in place.

Risk of Investment: This investment, like any other, carries certain risk. The facts reducing this risk are:

A. We are legally entitled to be granted a banking license if we fulfill the legal requirements / we have the best team to first know these requirements, then also having proved the capability to fulfill these in the past.

B. As our Team has a budget and project plan based upon successful previous experience, the implementation probability is highly robust / hardly any tokenization project comes with such a solid basis.

C. As we are confident to build quicker and at lower cost, a bank with great technological advances, the value created aside from the bank’s future operating, seems to be a multiple of the funds invested. In other words, a licensed Swiss bank retains significant standalone value.

Step-by-Step Model

Step 1: Regulatory Foundation

We begin with a Swiss SPV (Monerys AG) and a structured FINMA application. With two former FINMA regulators on our execution team, licensing is guided by insider expertise. Based on precedent, approval is expected within 12–18 months.

Step 2: Turnkey Delivery

Execution covers every component of a fully functioning institution — from core banking platforms and compliance systems to premises, staffing, and infrastructure. Each supplier is pre-vetted, contract-ready, and aligned to a proven budget and delivery schedule. This model has been successfully executed across 8 prior bank launches.

Step 3: Capital Raise & Tokenization

Investor participation is structured through Swiss-compliant tokenization, aligned with cross-border frameworks including Reg D and Reg S. Tokens provide economic rights in Monerys AG and are designed with built-in liquidity options under full regulatory alignment.

Step 4: Bank Launch

Upon license approval, the project transitions seamlessly from build stage to operational institution. Investor tokens convert directly into equity, ensuring continuity of ownership and alignment with long-term growth.

Step 5: Growth & Liquidity

Our lean model operates at a significantly lower cost base than traditional banks, free from outdated IT and overhead. This structural efficiency, combined with tokenized frameworks, enables investors to access liquidity years earlier than conventional private equity lock-ups.

Investor Assurance

Transparency

Structured reporting and independent audit rights from day one.

Execution Certainty

Lloyd & Partners and 40+ suppliers with a proven track record of successful delivery.

Investor Alignment

Capital is deployed directly into building the institution —

Protection

Governance and investor safeguards are embedded from the start, with full frameworks detailed in the investor data room.

Our Time Line

Step 1

Regulatory Foundation

Swiss SPV + FINMA process, guided by former regulators.

Step 2

Turnkey Delivery

Core banking, compliance, premises, staffing — all supplier-managed.

Step 3

Tokenization

Swiss-compliant tokenized structure for investors.

Step 4

Bank Launch

License approved → tokens convert into equity.

Step 5

Growth & Liquidity

Lower costs, earlier exits, long-term growth.

Q1 2025

Foundation

Mandated L&P as project manager, "Completed"

Q2 2025

Plan & Strategies

Mapped out the infrastructure and complete 80% Business plan "Completed"

Q3 2025

Tokenization of Monerys AG

Tokenization infrastructure of Monerys AG to prepare for the launch of the tokenization rounds "Completed Sept 2025"

End Q1 2026

Submit Bank Application

Review, finanlise and Submit Application to FINMA for consideration.

Q1 2027

Bank License Granted

Register NewCo " Artus Bank AG" as entity to hold the license, entry into the commercial register as bank and transfer all shares as per agreement.

Step 1

Foundation

Completed, Mandated L&P as project manager

Step 2

Plan & Strategies

Completed, mapped out the infrastructure and complete 80% Business plan.

Step 3

Tokenization of Monerys AG

Completed 12th Sept 2025. Tokenize infrastructure and
shares of Monerys AG and prepare for the launch of the tokenization rounds.

Step 4

Receive License

Step 5

Start operations

Open the doors

Step 1

Regulatory Foundation

Swiss SPV + FINMA process, guided by former regulators.

Step 2

Turnkey Delivery

Core banking, compliance, premises, staffing — all supplier-managed.

Step 3

Tokenization

Swiss-compliant tokenized structure for investors.

Step 4

Bank Launch

License approved → tokens convert into equity.

Step 5

Growth & Liquidity

Lower costs, earlier exits, long-term growth.