IBAS, licensed by the Central Bank of Kosovo, provides electronic money issuance, payments, money transfers, credit for payments, and investment advisory services.
Increase the value of your money
At IBAS, our mission is to create value in every solution we deliver - and investments are no exception.
Please select one of the options below to maximize the value of your investment.
IBAS offers two investment options:
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Invest in IBAS itself. IBAS is the first electronic money institution in the Western Balkans. Unlike most fintechs, IBAS has achieved an average growth of over 138% during the last three years, surpassing even the growth rates of Revolut, Monzo, Starling, N26, Klarna, and many others.
According to the International Financial Reporting Standards (IFRS), in 2024 IBAS reached its break-even point. IBAS remains open to new investors who want to be part of this success story. -
Invest in regulated and supervised financial markets. As a financial institution licensed by the Central Bank of Kosovo to provide Investment Advisory, IBAS offers professional investment advisory services and the preparation of tailored investment plans.
IBAS supports clients hands-in-hands to buy and sell shares and bonds on the world's leading stock exchanges such as NYSE, Nasdaq, London Stock Exchange, Deutsche Börse , and other regulated markets supervised by the respective authorities in the US or Europе.
Invest in Licensed and Supervised Financial Markets
IBAS is a financial institution licensed by the Central Bank of Kosovo as an Investment Advisor in regulated and supervised markets.
What are regulated and supervised markets?
Regulated markets are financial markets where the buying and selling of stocks, bonds, or other financial instruments take place according to rules set by the relevant state authorities and under strict legal supervision. These markets ensure transparency, security, and investor protection.
- USA: New York Stock Exchange (NYSE) and NASDAQ.
- Western Europe: Deutsche Börse (Germany), Euronext (France, Netherlands, Belgium, etc.), Borsa Italiana (Italy), Madrid Stock Exchange (Spain), SIX Swiss Exchange (Switzerland), etc.
What exactly does IBAS offer?
- Professional advice on buying and selling stocks, bonds, and other financial instruments.
- Assistance in opening an investment account with licensed brokers and IBAS. The account is opened in your personal name, and IBAS does not have access to your accounts.
- Active management of your portfolio with transparency and responsibility, including continuous advice on adjusting or changing your investment strategy, risk mitigation, and/or profit maximization, depending on market fluctuations.
IBAS Service Fees:
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Investment Advisory
- Fee: 1% annually, minimum €100
- Includes: profile analysis, investment plan, account opening, reporting, and periodic advice.
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Investment Management
- Fee: 30% of realized profit
- IBAS earns only when you earn. No additional costs if there is no profit.
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Sale of Shares / Advisory and Guidance
- Fee:1%, minimum €100
- We take care of procedures, documentation, and accurate execution.
Examples of Stock Growth (last 12 months):
- NVIDIA: approx. +49%
- Tesla:approx. +30%
- Microsoft: approx. +11%
- Apple, Google, Meta: also recorded significant growth over the past year
Public sources: Yahoo Finance, TradingView. Past performance does not guarantee future results.
How does it work?
- Fill out the form below and express your interest.
- IBAS experts will contact you for an analysis of your profile and goals.
- Open your account with one of the licensed brokers and IBAS for the execution of your investment payments.
- Research opportunities, profits, risks, and prepare your investment plan.
- Receive guidance throughout the investment process.
If you have decided to invest in regulated and supervised markets, please fill in your details in the form below:
IBAS – Investment Opportunity
Share Offering Notice
Following a series of successful developments and with a clear trajectory toward international growth, IBAS (Innovative Banking and Attractive Solutions) is opening a limited round of equity participation to qualified investors who meet legal and compliance requirements and can verify the legality and source of invested funds.
Investment Amount:
Minimum: €5,000 | Maximum: €500,000
About IBAS
IBAS is a licensed financial institution regulated by the Central Bank of Kosovo (CBK).
Founded in 2019, IBAS holds licenses for:
- Electronic Money Issuance
- Domestic and International Money Transfers
- Payment Credit and Loan Services
- Investment Advisory Services — being the only non-bank institution in Kosovo authorized to advise on securities, including shares, government and corporate bonds, and commercial papers.
IBAS currently serves over 50,000 individual customers and partners with more than 2,100 businesses across Kosovo. It is theonly financial institution operating outside the EU with direct SEPA access, offering Kosovar and British IBANs that enable:
- Free money transfers within the EEA
- Cross-border supplier payments at a fixed cost of €3 per transaction, regardless of amount
In lending, IBAS has processed requests exceeding €13.9 million, financing over €5.2 million to date.
Market Research & Validation (Savanta, UK)
To validate market readiness before expansion, IBAS commissioned a comprehensive independent study by Savanta, one of the UK’s leading financial market research agencies.
Key findings confirmed exceptionally strong demand:
- 82% of UK businesses found IBAS’s payment solution appealing.
- 70% of UK consumers stated they would use IBAS if available for free, while 40% indicated willingness to pay a premium.
Based on this validation:
- For UK businesses (5.5 million active firms), 82% (4.51 million) would adopt IBAS, generating a potential of £364 million monthly income (€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/month, translating to approximately £140 million monthly (€162 million) or £1.68 billion (€1.94 billion) annually.
These figures confirm a substantial addressable and validated UK market exceeding £6 billion (€7 billion) annually — even before accounting for the Western Balkans expansion phase.
Valuation and Performance
IBAS reached IFRS break-even in 2024, outperforming regional fintechs with a compound annual growth rate (CAGR) of 138% over the past three years.
A blended Discounted Cash Flow (DCF) and Price-to-Earnings (P/E) valuation yields a 2025 enterprise value of €16.9 million, with projected valuation growth to:
- €200 million by 2027
- €1 billion by 2028, and
- €4.5–5 billion pre-IPO by 2029
These forecasts are supported by verified revenue potential and early traction across both business and retail segments.
Investor Example (2025 Valuation)
Under the current valuation of €16.9 million (2025), an investment of €100,000 corresponds to approximately 0.5917% ownership, calculated as:
€100,000 ÷ €16,900,000 = 0.005917 → 0.5917% of total shares.
All investments are executed via IBAS London, which owns 100% of IBAS J.S.C. and IBAS Credit J.S.C. in Kosovo.
Long-Term Vision
IBAS aims to evolve from a regional fintech into a pan-European financial and merchant-banking ecosystem, connecting over 3.5 million consumers and 500,000 merchants by 2029.
By combining regulatory credibility, scalable technology, and market-proven demand, IBAS is positioned to achieve pre-IPO valuation between €4–5 billion, ensuring significant shareholder value appreciation and potential returns exceeding 25x for early investors.
Governance and Compliance
All IBAS investments adhere to strict ethical, professional, and regulatory standards, in full compliance with:
- Central Bank of Kosovo (CBK) regulations
- EU AMLD5 and KYC requirements
- International accounting (IFRS) and transparency standards
Strategic Outlook (2027–2030 and Beyond)
Phase 1 – United Kingdom (2027–2028)
- Official launch of IBAS UK, leveraging Savanta-validated demand and early merchant onboarding.
- Build-up of a waitlist of 10,000 merchants and several hundred thousand retail users.
- Integration with Visa, Mastercard, and Binance ecosystems for seamless payment and digital asset management.
- Implementation of cross-border SEPA payment channels and compliance with FCA and UK Open Banking frameworks.
Phase 2 – Western Balkans Rollout (2028–2029)
- Market deployment in Albania, North Macedonia, and Montenegro.
- Cross-border interoperability via SEPA and IBAS’s internal payment network.
- Localization of Toolless, Fundless, and Limitless digital solutions to fit local regulatory and linguistic environments.
- Onboarding of regional business clients, public-sector partners, and remittance channels.
Phase 3 – Initial Public Offering (IPO) (2029)
- Preparation and execution of a public listing on the London Stock Exchange (LSE) or Nasdaq.
- Targeted market capitalization: over USD 1 billion.
- Institutional investor participation, with allocations to strategic partners and early-stage investors.
- Use of IPO proceeds to:
- Expand infrastructure for European operations.
- Strengthen liquidity and working capital for lending and payments.
- Reinforce compliance, cybersecurity, and innovation programs.
Phase 4 – Pan-European and Global Growth (2030 and Beyond)
- Expansion into EU markets (Germany, France, Italy, and the Nordics).
- Entry into MENA and North American markets through strategic partnerships.
- Development of a multi-currency digital wallet, integrating fiat and digital assets for cross-border trade.
- Establishment of IBAS Global Hub, coordinating licensing, partnerships, and M&A activities.
Risk Disclaimer
Equity investments in private or early-stage companies such as IBAS involve a high degree of risk. Potential investors should carefully consider the following before investing:
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Capital Loss:
Investments in equity are not guaranteed and may result in the loss of part or all of the invested capital. -
Liquidity Risk:
Shares of IBAS are not publicly traded at this stage. Despite the strong interest from many individuals to become part of IBAS, there may be no immediate market or buyer for your shares. Divestment may only be possible during future funding rounds, secondary share transfers, or upon the company’s IPO. -
Dilution:
Future financing rounds could dilute your percentage ownership, although such rounds are expected to occur at higher valuations. -
Valuation Risk:
Company valuations are based on projected financial performance 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 business performance and profitability. -
Forward-Looking Statements:
Financial projections and growth estimates represent expectations, not guarantees, and may differ materially from actual results.
Thank you.
The financial amount must be greater than 5,000 euros and less than 500,000 euros.
Thank you for your understanding.