Invest in the financial infrastructure connecting the DACH region and Kosovo.

IBAS is a financial institution licensed and regulated by the Central Bank of Kosovo (CBK). Founded in 2019, IBAS holds licenses for:

Currently, IBAS serves over 50,000 individual clients and cooperates with more than 2,100 businesses across Kosovo. It is the only financial institution operating outside the EU with direct SEPA access, providing British IBANs that enable:

• Issuance of electronic money
• Domestic and international money transfers
• Credit granting for payments
• Investment Advisory Services for financial instruments, such as shares, bonds, and commercial papers in regulated and supervised financial markets.
• Fast money transfers within and from the European Economic Area (EEA).

Currently, IBAS operates in the Republic of Kosovo and aims to pilot its unique products and solutions in the third quarter (Q3) of 2026 in the United Kingdom, starting from London. To verify market readiness before expansion, IBAS has contracted Savanta.com to conduct an independent and comprehensive study.

The main results confirmed an exceptionally high acceptance of IBAS's unique solutions. Specifically, it was found that:

Based on these results, it follows that:

These figures confirm a verified UK market potential worth over £6 billion (€7 billion) annually - before the start of IBAS's expansion phase in the Western Balkans.

• 82% of UK businesses found IBAS payment solutions acceptable, and
• 70% of UK consumers stated they would use IBAS if it were free, while 40% expressed willingness to pay a monthly fee for IBAS solutions.
• For UK businesses (5.5 million active companies), 82% (4.51 million) would adopt IBAS, potentially generating £364 million in monthly revenue (£420 million) or £4.37 billion (£5 billion) annually.
• For UK consumers (55.7 million adults), 40% (22.3 million) would pay between £5-£25.50 per month, translating to around £140 million monthly (£162 million) or £1.68 billion (£1.94 billion) annually.

According to IFRS, in 2024 IBAS reached the break-even point, marking an average annual growth rate (2022, 2023, and 2024) of over 138%. This rate surpasses the performance of global financial giants valued in billions, such as Revolut, Monzo, Starling, N26, Klarna, and many others of this caliber.

A combination of the discounted cash flow (DCF) method and the price-to-earnings (P/E) ratio yields an enterprise valuation of €16.9 million for 2025, with a projected increase up to €1 billion, prior to the planned public listing on the London Stock Exchange or Nasdaq, for which IBAS is working intensively.

Illustration for potential investors

(Valuation 2025)

Based on the current valuation of €16.9 million (2025), an investment of £100,000 corresponds to approximately 0.5917% ownership, calculated as follows:

?100,000 ? ?16,900,000 = 0.005917 ? 0.5917% of the total shares.

IBAS aims to evolve from a Kosovar fintech into a pan-European commercial financial and banking ecosystem, connecting over 3.5 million consumers and 500,000 merchants by 2029.

All investments in IBAS comply with ethical, professional, and regulatory standards, fully aligned with:

• Regulations of the Central Bank of Kosovo (CBK)
• EU requirements for AMLD5 and KYC
• International accounting and transparency standards (IFRS)

Alongside ongoing work and new achievements in Kosovo, IBAS is implementing a concrete medium-term plan, according to the following phases:

Phase 1 - United Kingdom (2027-2028) Objective: To consolidate IBAS as a trusted brand for financial solutions in the United Kingdom and to secure a strong user base before regional expansion.

Phase 2 - Expansion in the Western Balkans (2028-2029) Objective: Strengthen regional presence and leverage cross-border payments to support the diaspora and SME development.

Phase 3 - Initial Public Offering (IPO) (2029) Objective: Attract global investors and finance the next growth cycle through regional success and transparency.

Phase 4 - Pan-European and Global Growth (2030 and beyond) Objective: Position IBAS as a pan-European fintech hub and cross-border financial ecosystem connecting Europe with global markets.

Investments in a private company carry a high level of risk. Potential investors should consider at least the following points:

• Capital Loss: Investments in shares are not guaranteed and may result in the loss of part or all of the invested capital.
• Liquidity Risk: IBAS shares are not publicly traded at this stage. Despite strong interest from individuals to become part of IBAS, there may be no immediate market or buyer for your shares. Sale may only be possible during future financing rounds, secondary share transfers, or after the company's IPO.
• Ownership Dilution: Future financing rounds may reduce your ownership percentage, although these rounds are expected to occur at higher valuations, thus increasing the overall share value, including your shares.
• Valuation Risk: Company valuations are based on financial projections and market assumptions, which may change due to external or operational factors.
• Regulatory and Market Risks: Changes in financial regulations, macroeconomic conditions, or market trends may affect IBAS's performance and revenues, and consequently the overall value.
• Forward-Looking Statements: Financial projections and growth estimates represent expectations, not guarantees, and may differ significantly from final outcomes.

The global FinTech industry today represents one of the most dynamic and profitable sectors in the world. Over the past decade, it has produced companies that have multiplied initial investments and transformed the way people manage their finances. Some of the biggest success stories include:

Stripe, Revolut, PayPal, Nubank, Chime, Klarna, Adyen, Ant Group, Plaid, Rapyd, etc. These companies have built billion-euro valuations and rewarded early investors with returns that surpass any traditional sector. Their common success factors were continuous innovation, security, compliance with international regulations, and customer trust.

These success stories prove that with a clear strategy, solid structure, and long-term vision, investments in FinTech can turn into sustainable wealth with global impact.

However, the FinTech industry also holds valuable lessons from failures. Many startups that began with enthusiasm failed to survive due to lack of financial control, poor risk management, or regulatory challenges. Some of the most well-known examples include: Synapse Financial Technologies, Wonga, Ezubao, Frank, Upgrade, Katerra Finance, LendUp, Behalf, Monedo, Simple Bank, etc.

These companies failed due to weak operational foundations, lack of transparency, and compliance issues, proving that rapid growth without control can lead to significant capital loss.

Knowing this, IBAS continuously advances its processes, which is precisely one of the reasons why IBAS contracted Savanta.com to conduct a deep and independent market study of IBAS solutions. Nevertheless, potential investors should be aware that this does not constitute a guarantee.

If you wish to invest, please fill out the form below and our team will contact you as soon as it is received.