Investing involves risks inc loss of capital. The below FAQs have been approved as a financial promotion by Seedrs Limited, which is authorised and regulated by the Financial Conduct Authority.
The global cryptobank of the future connecting cryptocurrency and traditional money banking.
We started Fluency just over a year ago with the goal of building a next-generation digital bank, with access to cryptocurrency, national cryptocurrencies when they will become available and traditional money in the same place.
In two minutes, you can open a current bank account, make instant transactions in both, traditional and cryptocurrencies, and use a debit card, all with a neobank fee structure.
Fluency is connecting what hasn’t been connectable. Get ready for the arrival of national crypto banking.
Why should I consider investing?
We are launching our crowdfunding campaign to give our community the unique opportunity to play a key role in the future of Fluency and own shares in our company. We’d love you to invest and help support Fluency on our journey to create the next generation of banking.
Our early achievements have been extraordinary
The alpha version of our app is ready. We have over 23,000 people on the waiting list eager to try out Fluency and help us shape the future of money.
We also have over 45,000 community members from around the world eager for Fluency to launch globally.
We’ve attracted international media attention and were even featured in Forbes in a four-page article in February.
Our founders all have finance experience, and we started Fluency because we saw a huge gap in the market. Lots of platforms use a multi-platform dynamic that users seemed to hate but were tolerating.
What if you didn’t need to go through an exchange to access crypto? What if you could just buy crypto straight from your banking app? Once we posed these questions, we began to see the potential of uniting these services and preparing for the arrival of national cryptocurrencies.
Our mission is to enable everyone in the world to be able to access major and national digital currencies with a safe and frictionless user experience, just as easily as with traditional money.
Fluency uses innovative blockchain technology to provide users with access to next-generation fintech products, focusing on compliant infrastructure, a frictionless product, a seamless user experience, and truly leading-edge innovation.
Our compliance processes have been thoroughly vetted by Visa Europe and regulated partners. Fluency can store your cryptocurrency for you in dedicated hardware security modules located in a heavily guarded bunker in Switzerland with no third-party access.
Our mission is to enable everyone in the world to be able to access major and national digital currencies with a safe and frictionless user experience, just as easily as with traditional money.
How can I pre-register?
We are really excited to be launching our crowdfunding campaign with Seedrs that is now open for pre-registration.
What does pre-registration mean?
Given our existing subscribers base of over 23,000 members and over 45,000 community members we’ve created a pre-registration process to determine who will receive access when the investment goes live.
Only pre-registered investors will get exclusive early-access to our invest page from Thursday 19th March.
After they’ve had a chance to invest, we’ll open the opportunity to public on Monday 23rd March.
Are there limits on the amount I can invest?
We want to give everyone the opportunity to invest in our future. Therefore, the minimum investment amount is only £10!
How do I actually invest?
We’ve partnered with one of Europe’s leading crowdfunding platform — Seedrs. You’ll need to create an account on Seedrs here to invest.
We advise that you create an account with Seedrs before the investment round goes live to avoid potentially missing out because you have to sign up to the platform first.
Becoming an investor with Seedrs includes three parts:
- Create an account, and select the relevant type of investor
- If you’re a retail investor, take a short quiz to confirm you understand the risks of investing in private companies
- Verify your identity (KYC)
If you need help to register, check out the Seedrs guide
What is KYC and why do I have to pass it?
The KYC (Know Your Customer) checks are in place to conform with FCA authorisation rules which allow Seedrs to offer investments to the public, an example of which is to ensure there is no money laundering activity on Seedrs. Most investors will be able to pass KYC automatically by inputting their details, however some may require a manual check. This mostly happens if, for example, you have recently moved and it isn’t yet reflected in various online databases. If you need to pass a manual check you will be asked to send the following supporting evidence to support@seedrs.com and they will aim to get them approved as soon as possible:
• government issued photo ID; and
• a proof of address document (utility bill, bank statement, or letter from a local / national authority) showing your full name residential address and dated within the last three months.
Which investor profile should I choose?
The Financial Conduct Authority requires to categorise investors before they invest, as “High Net Worth Investors“, “Sophisticated Investors” or “Everyday Investor“. The definitions of these terms are found in the Seedrs Glossary. If you have any questions about these, please contact support@seedrs.com.
What do I need to do after pre-registration?
First, you need to sign-up to Seedrs (https://www.seedrs.com/signup) to make sure that when the campaign goes live you are ready to make an investment. Then, once it has reached your turn to invest, based on the order of priority, you will receive a link by email to the campaign.
This post has been approved as a financial promotion by Seedrs Limited.
Seedrs Limited is authorised and regulated by the Financial Conduct Authority. Seedrs Limited is a limited company, registered in England and Wales (№06848016), with registered office at Churchill House, 142–146 Old Street, London EC1V 9BW.
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Investing involves risks, including loss of capital, illiquidity, lack of dividends and dilution, and should be done only as part of a diversified portfolio. Please read the Risk Warnings before investing. Investments should only be made by investors who understand these risks. Tax treatment depends on individual circumstances and is subject to change in future. Seedrs does not make investment recommendations to you and any investment decision should be made on the basis of the full campaign. No communications from Seedrs, through email or any other medium, should be construed as an investment.
