Buy our security tokens and earn a share of future revenues and profits.Learn more

Own The Future Economy. Invest In Kriptomat

Buy our security tokens and earn a share of future revenues and profits

The digital asset market is expanding rapidly, but has not achieved mainstream adoption. At Kriptomat, we believe we have the solution that will bring digital currencies into every home.
Kriptomat is an EU regulated, fully licensed digital currencies exchange platform and secure digital wallet all-in-one.

Our user-focused approach makes buying, using, storing and transacting with digital currencies and other blockchain services simple and intuitive – even to complete beginners.

Kriptomat is a fully operational service with both mobile and web platforms launched in June 2018.

We want you to become part of Kriptomat. Limited spots are available.

Invest and help us grow.

Kriptomat tokenised securities

We have reached critical velocity and, rather than surrender control of our destiny by seeking institutional funding, we have chosen to give our users and other interested individuals the chance to support our company by buying digital shares and investing in our platform.
This will allow you to share in the financial success of one of Europe’s fastest growing fintech companies.
  • Fully compliant security token
  • Right to 8% revenue sharing
  • Right to 4% profit sharing via dividends
  • ERC token standard

What users and partners say

I consider Kriptomat a top EU exchange. I was very impressed by their comprehensive selection process, it proved to me that they care deeply about their users and want to give them the best options possible.

Maxim Blagov
CEO and Co-founder at Enjin

We feel this is a fantastic opportunity and perfect match for our technology. Kriptomat is a great product, built by an experienced team with a superb track record and huge ambitions.

Laimonas Noreika
CEO of Desico

1st round info

Amount raising
1,800,000.00 €


Round start
9 May, 2019


Open to
Worldwide*

We want EVERYBODY to have a stake in the company and a share of the profits. We believe the new economy should be one where everyone has the opportunity to make a smart investment.

We aim to raise 30 mi EUR in the next three years.

The first round will take place in May 2019 via DESICO. They are an EU regulated Security Token Issuance platform.

*United States of America: accredited investors only.

Funding rounds planning

Round one Round two* Round three*
Funding amount € 1.8 mi € 5-10 mi To be decided
Open to European Economic Area, Asia & USA European Economic Area, Asia & USA European Economic Area, Asia & USA
Start date May 2019 Q4 2020 To be decided
Revenue share
Profit share
Min. investment € 500 To be decided To be decided

* The execution and characteristics of planned rounds depends on the outcome of previous rounds. All characteristics are subject to change.

Team

We’re passionate about creating the tools that will drive the future economy

CEO

Srdjan Mahmutovich

CBDO

Dejan Davidovic

CTO

Jaka Erjavec

CLO

Mina Kržišnik

Legal Advisor

Jan Poniž

Finances and Back-office

Polona Gorše

Product Manager

Robi Hribar

Head of Engineering

Vladan Markovic

SEO Outreach Specialist

Sašo Merkač

Marketing Content Manager

Žiga P. Škraba

Social Media & Community Manager

Tim Zevnik

Infrastructure and Systems Engineer

Klemen Štefanec

Engineering

Dušan Šarac

Engineering

Dušan Đajić

Engineering & QA

Darko Živković

FAQ

There are hundreds of exchanges like this. How are you different?

It is important to distinguish between trading platforms (Kraken, Binance, Bitstamp, Huobi) and exchanges (Kriptomat, Coinbase, Luno, Coinmama). While most of these services are focused on experienced traders, we are focused on the emerging addressable market of newcomers.

 Besides the simplicity to easily onboard newcomers and being an EU licensed service, we are pioneering gamification with a Blockchain Reward Program that will increase loyalty, boost Customer Lifetime Value (CLV) and accelerate user acquisition.

What problem do you solve for your customers or users? Who are they?
Our current oldest verified user is 84 years old. Our users are regular, non-tech-savvy people who are interested in the world of digital currencies, but find it difficult to create and manage an account on standard trading platforms.

All innovations face resistance to adoption until they reach a critical mass of users, and crypto and digital assets are no different. Potential users fear the unknown and the unfamiliar.

The adoption of crypto and digital assets is hindered by three main issues:

  1. Buying digital currencies and building a personal portfolio is too complex – Kriptomat has a user-friendly mobile and web platform that feels ‘familiar’ even to new users.
  2. Using trading platforms to buy digital currencies is intimidating – Kriptomat offers a convenient and intuitive process to buy and sell 30 different digital currencies.
  3. Creating a secure wallet is too difficult for normal users – A built-in wallet, highly secure cold storage with controlled access to store and use digital assets on a regulated platform.
How accurately can you describe your customers or users and why they buy your products?

Our customers are everyday people that are interested in innovation and new trends but at the same are non-tech-savvy and looking for simple solutions.

They are a mixture of Early Adopters and Early Majority.

Early adopters like us because we make it easier to accept and introduce innovation to the general population and, having followed the market for some years, they understand the problem we are solving.

The Early Majority is a bigger customer base that started adopting our solution due to it being a licensed service and having a clear track record. We have gained their trust and we make it easy for them to use the innovation.

The Crypto market is dead, why should I invest in you?

Paper money is going away. Crypto is a far better way to transfer value than pieces of paper, that’s for sure. The technology behind bitcoin is “quite brilliant” and “it seems like there is some merit to Ethereum and maybe some of the others.” Elon Musk

Bloomberg estimates the value of the crypto asset market needed to support economic activities to expand from ~$500bn in 2019 to $3.6tn in 2028.

We believe that the market of digital currencies is still evolving and we are focusing on the things that it does better than traditional finance, both in the financial and investment sectors.

How many users do you have?
Our user base has been growing organically by 20% month on month and we recently reached the important milestone of 5.000 registered users. We are now close to reaching the next milestone of 10.000 registered users.
How many users are active ones?
35% of registered users are active customers. We have 25% month on month growth in the number of transactions and 20% growth in the amount of funds deposited by Kriptomat users. We’re constantly improving our funnel.
Are you already making any revenue?
Kriptomat is a fin-tech start-up that was fully financed by the founding team. Over the last 6 months, our revenue has grown by 51% month on month. We have a proven business model and need to increase volume to make the business profitable.
What is the company raising funds for?
With the funds raised from this STO, we plan to accelerate our growth across Europe, with a particular focus on the countries that are often forgotten. That’s why our app, website, and customer support are all already available in 24 languages.

In order to rapidly grow our user base, we will focus on evangelising our brand, educating the general public, and marketing both Kriptomat and the new economy across the continent.

To build trust in Kriptomat and the digital economy, we will add more payment methods, improve our already industry-leading security measures, introduce insurance to our user base and continue to work with the EU on developing the framework for tomorrow’s economy.

Our product may already be great, but we believe that it can be even better. We will strive to improve usability and customer understanding while constantly adding integrations with other key digital platforms that will broaden the usage options of currencies for our customers.

Who is the founder?
Srdjan Mahmutovic founded Kriptomat together with two co-founders, Dejan Davidovic and Vladan Markovic. They have been working together for a decade and have a great track record, having already launched several successful digital projects, including a digital marketing agency serving more than 1.500 customers, and a SAAS sales tool for inside-sales teams now present in 16 countries around the world.
What is your traction?
All the traction is happening organically. No advertising.
User base growth 20% month on month.
25% month on month growth in number of transactions.
20% growth in the amount of funds deposited by our users.
If your organic growth is so good, why do you need to raise money?
With organic growth, you grow slowly. Too slowly for the speed at which the Crypto market is changing. With additional funds raised, we can expand the user base much faster and address those key markets we are interested in. An additional reason is customer service. We are proud to offer best in industry customer care, but this comes with high costs. We see customer care as a foundation of our business and would like to keep this level of service even during the high growth phase of the company.
How many users do you expect to acquire after the STO?
We are aiming to have 300,000 registered users 18 months after the investment.
You are licensed in the EU. Do you operate globally or only in the EU?
Kriptomat is licensed in the EU and at the moment serves EEA countries, but we are in the process of acquiring the necessary licenses to operate globally and to provide payment options for people outside of the EU.
What you are doing is just a new sort of ICO and money grab!
The STO process is heavily regulated at an EU level. Basic rules for performing the STO, obligations to investors, reporting, due diligence, tax reporting and many more topics are covered in the same way as they would be in an IPO.

ICOs were sadly unregulated and did a lot of damage to the market. The Kriptomat token KRTEX will be a security token. Contrary to any utility token issued by the ICO, it will make investors eligible for profit and revenue share with Kriptomat.

Why didn’t you go for traditional investors? Seed, VC?
First of all, we want our users to become our investors. It is our priority to integrate our users so that they will be invested in contributing to the growth and profitability of Kriptomat. By enabling our users to invest in Kriptomat we showcase the core of our business model. We want to share our growth and success in an open, accessible manner.

Secondly, we are an innovation-driven team and we love how innovative STO is in lowering the barrier of entry for investors in a legally compliant way. We are especially excited about the fact that investing opportunities that used to be available only to accredited and institutional investors now became available to retail investors.

However,  we have also been also in the process of meeting with traditional investors. Unfortunately, we can’t disclose more at this time.

How are you planning to use the money raised and how will that increase the number of new clients?
So far we have been focused on building a product, relationships and proving the business model, now we will focus on user acquisition and increasing the stability of the platform.

The orientation of spending of the funds raised during the STO:

  • 60% Growth – Marketing, customer base growth
  • 18% Product development
  • 12% Security, compliance
  • 10% Operations, support
What is the difference between an ICO and an STO?

Although they might look similar, there is a big difference. First and foremost, most ICOs are meant for raising funds in an unregulated environment. In contrast, STOs are launched with regulatory governance in mind. They are registered with the required government bodies, meet all the legal requirements and are 100% lawful.

Hence, it is way easier to launch an ICO than STO. STO requires a company to do a lot of upfront compliance work as only entirely regulatory compliant companies can issue Security tokens.

The main advantages are:

  • Investors actually acquire underlying assets that derive their value from something else.
  • 100% regulated offerings that ensure investors security.
  • Projects that go for STOs are generally more mature and trustworthy than the ones in the ICO sphere.
  • STOs are experiencing significant growth while ICOs space shrinks.
  • It is an ongoing trend.
  • Security tokens are expected to be traded via broker-dealers who are also supervised by regulatory bodies.
  • Security tokens are the next big step in traditional finance.
  • Less speculation and market manipulation.
What is the minimum amount to invest?
The minimum investment amount is €500,00. Our goal is to attract as many serious retail investors as possible and we wish for them to actually consider this as an investment that will bring benefits in the future.
What is the maximum amount to invest?
The maximum amount to invest is 250,000.00 EUR. The goal is to attract as many retail investors as possible. The more people who are involved in our success, the faster we grow. Rapid growth will result in higher value for your investments and will generate higher returns.
What happens if Kriptomat fails to fulfill its obligations?
When issuing securities, the company undertakes strict financial obligations. Failure or avoidance of financial obligations is a basis to apply to court. Therefore, in case of a failure to fulfill obligations, the crowdfunding platform (DESICO) shall apply to the court on behalf of the investors.
What is the depository of the securities?
The emission of securities will be accounted on Nasdaq Baltics depositorium. Kriptomt securities will have ISIN code issued by Nasdaq Baltics.
Who will account the ownership of the securities?
The ownership of the securities will be accounted on Financial Brokerage firm owned by Desico, FMI DV Invest.
Will it be possible to trade the securities? When and where?
Kriptomat securities will be traded on the secondary securities markets like DESICO and Blocktrade, among others. The trading is scheduled to be launched at the end of 2019. Negotiations on securities trading in other European stock exchanges are also taking place.
What blockchain will be used to tokenize the assets?
Kriptomat securities will be tokenized on the Ethereum ERC-20 blockchain.
What will happen later when you release new tokens?
As we grow, we expect to grow our revenue and profits. If/when releasing new tokens the profit and revenue sharing model stays the same and the pool will stay the same for all the investors. It is expected that, with the growth of our company, we will increase the value of the token and the liquidity.
Will we be paid in fiat or in crypto?
No. Your equity will be paid only in EUR.
How will the profits be distributed?

Kriptomat commits to transfer each half year to the KRTEX Token holders part of the revenue and part of the profit.

The first payment from revenue shall be made 12 months after the end of the public offering (starting on 25 June 2020). Subsequent payments will occur on a half-yearly basis (25 January, 25 June).

The first payment from profit shall be made after the first financial year after the end of the public offering (the first year is 2019). Subsequent payments will be made on a yearly basis.

What will happen if you get a big VC investment?
In case that happens, it will not affect the token holders.
I’m a VC and want to invest but want an extra deal. How does it work?
During the first round, you are welcome to invest as every other investor. You are welcome to contact us on [email protected] and we’ll be glad to listen to your proposal.
Can US citizens participate and how?
Only accredited US investors can participate. During the KYC procedure, they will have to notify of them having a status of accredited investor.

We want you to become part of Kriptomat. Limited spots are available.

Invest and help us grow.