# Nebeus
Nebeus is a crypto-backed lending and payments company founded in 2014, headquartered in Barcelona with a presence in London, that offers loans collateralised by cryptocurrency along with multi-currency payments, crypto-friendly IBANs, wallets, earning services, and cards.[1](https://nebeus.com/about-us) It operates as part of Money-4 Limited[2](https://nebeus.com/business-loans) and remains active, with its latest sourced events being a MiCA (EU law regulating crypto-asset service providers) authorization[3](https://ffnews.com/news/nebeus-secures-mica-authorisation-setting-the-benchmark-for-regulated-crypto-in-europe) and a 2025 equity crowdfunding round.[4](https://www.crowdfundinsider.com/2025/09/252042-berlin-based-digital-assets-platform-nebeus-is-raising-funds-via-republic-europe-to-accelerate-crypto-adoption/)
| Key fact | Detail |
| --- | --- |
| Founded | 2014 (UK entity incorporated 16 March 2015, company no. 09492138)[1](https://nebeus.com/about-us) • [5](https://europe.republic.com/nebeus2) |
| Headquarters | Barcelona, Spain, with a London, UK presence[1](https://nebeus.com/about-us) |
| Founders | Sergey Romanovskiy (Cofounder & Executive Chairman) and Konstantin Zaripov (Cofounder & CEO)[1](https://nebeus.com/about-us) |
| Sector | Crypto-backed loans, payments, and crypto services |
| Largest reported funding | €250M institutional funding (early 2024), described as debt financing in a directory listing[6](https://www.founderstoday.news/nebeus-secures-250-millions/) • [7](https://uk.linkedin.com/company/nebeus) |
| 2025 crowdfunding | €3,673,640 from 449 investors on Republic Europe, 122% overfunded[4](https://www.crowdfundinsider.com/2025/09/252042-berlin-based-digital-assets-platform-nebeus-is-raising-funds-via-republic-europe-to-accelerate-crypto-adoption/) |
| Regulation | Bank of Spain (D664), VASP registrations in Spain and Argentina, UK FCA EMI license, MiCA authorization from Spain's CNMV[2](https://nebeus.com/business-loans) • [5](https://europe.republic.com/nebeus2) • [3](https://ffnews.com/news/nebeus-secures-mica-authorisation-setting-the-benchmark-for-regulated-crypto-in-europe) |
## History and founding
Nebeus was founded in 2014 by Sergey Romanovskiy and began as a crypto-lending platform before broadening into a financial app covering payments, IBANs, and cryptocurrency services.[1](https://nebeus.com/about-us) • [4](https://www.crowdfundinsider.com/2025/09/252042-berlin-based-digital-assets-platform-nebeus-is-raising-funds-via-republic-europe-to-accelerate-crypto-adoption/) Its UK entity, numbered 09492138, was incorporated on 16 March 2015 in London.[5](https://europe.republic.com/nebeus2) In 2022 the company attained regulatory status to offer electronic money accounts, by which point it had shifted from peer-to-peer crypto lending to a centralized crypto-backed lending model.[6](https://www.founderstoday.news/nebeus-secures-250-millions/)
## Products and services
The core product is a crypto-backed loan: customers borrow against cryptocurrency without selling it. Individuals and businesses can borrow, with business loans advertised up to €20M.[2](https://nebeus.com/business-loans) The company says it limits risk through loan-to-value ratios under 50% and a €10 million liquidity reserve; both figures are its own statements.[4](https://www.crowdfundinsider.com/2025/09/252042-berlin-based-digital-assets-platform-nebeus-is-raising-funds-via-republic-europe-to-accelerate-crypto-adoption/) Loan collateral is held with [BitGo](https://www.edgepedia.org/bitgo), a custodian the company describes as holding $64 billion in assets under custody.[6](https://www.founderstoday.news/nebeus-secures-250-millions/) Alongside lending, the platform offers multi-currency payments, crypto-friendly IBANs, wallets, earning services, and globally issued cards for individuals, businesses, and platforms.[1](https://nebeus.com/about-us)
## Funding
The largest reported funding event is a €250M institutional financing announced in early 2024, which the company said would expand its crypto-backed loan program.[6](https://www.founderstoday.news/nebeus-secures-250-millions/) A directory listing records it as debt financing of USD 271.1M on 30 January 2024; no lender is named in the sources, and the structure of the facility cannot be independently confirmed. It is best read as a debt or credit facility supporting the loan book rather than an equity cash raise.[7](https://uk.linkedin.com/company/nebeus)
Earlier and later events, per the directory and press:[7](https://uk.linkedin.com/company/nebeus) • [4](https://www.crowdfundinsider.com/2025/09/252042-berlin-based-digital-assets-platform-nebeus-is-raising-funds-via-republic-europe-to-accelerate-crypto-adoption/)
- Seed round of EUR 960,000 (November 2020)
- [Convertible](https://www.edgepedia.org/convertible) note of USD 1.2M (December 2020)
- Equity crowdfunding of USD 1.4M (April 2023)
- Equity crowdfunding on Republic Europe in 2025, targeting €3,000,010 and closing at €3,673,640 from 449 investors, 122% overfunded
The company says it is backed by more than 240 individual investors.[1](https://nebeus.com/about-us)
## Business, customers and traction
Most traction figures are company-sourced. In September 2025 the company reported over 150,000 active users across 30 European countries and $500 million in total value locked.[4](https://www.crowdfundinsider.com/2025/09/252042-berlin-based-digital-assets-platform-nebeus-is-raising-funds-via-republic-europe-to-accelerate-crypto-adoption/) Its crowdfunding campaign separately claimed 200K+ registered users, nearly €600M in crypto plus fiat processed, revenue growth of 6x year-on-year to €2.2M in 2024, and a valuation up 3.5x to €45M since 2023.[5](https://europe.republic.com/nebeus2)
## Regulation
Nebeus is registered with the [Bank of Spain](https://www.edgepedia.org/bank-of-spain) under number D664 for custody services and the sale and purchase of digital assets.[2](https://nebeus.com/business-loans) It holds VASP registrations in Spain and Argentina, a UK EMI license from the FCA, and Mastercard Principal Membership.[5](https://europe.republic.com/nebeus2) In a later milestone it secured MiCA authorization from Spain's CNMV, allowing it to operate as a regulated Crypto-Asset Service Provider passportable across all 30 EEA member states.[3](https://ffnews.com/news/nebeus-secures-mica-authorisation-setting-the-benchmark-for-regulated-crypto-in-europe)
## Surviving the crypto lending crisis and recent developments
According to Nebeus, it weathered the 2022 to 2023 period, in which several large crypto lenders failed, through conservative under-50% loan-to-value ratios and its €10 million liquidity reserve.[4](https://www.crowdfundinsider.com/2025/09/252042-berlin-based-digital-assets-platform-nebeus-is-raising-funds-via-republic-europe-to-accelerate-crypto-adoption/) The record since then shows continued operation: the €250M institutional funding in early 2024,[6](https://www.founderstoday.news/nebeus-secures-250-millions/) MiCA authorization from the CNMV,[3](https://ffnews.com/news/nebeus-secures-mica-authorisation-setting-the-benchmark-for-regulated-crypto-in-europe) and the 2025 Republic Europe round.[4](https://www.crowdfundinsider.com/2025/09/252042-berlin-based-digital-assets-platform-nebeus-is-raising-funds-via-republic-europe-to-accelerate-crypto-adoption/) No acquisition, insolvency, or shutdown appears in the sources, and no sourced events exist after September 2025 through the record's cutoff.
## References
1. [The Story of Nebeus (company about page)](https://nebeus.com/about-us)
2. [Nebeus Crypto-Backed Loans for Businesses](https://nebeus.com/business-loans)
3. [Nebeus Secures MiCA Authorisation (FF News)](https://ffnews.com/news/nebeus-secures-mica-authorisation-setting-the-benchmark-for-regulated-crypto-in-europe)
4. [Nebeus raising funds via Republic Europe (Crowdfund Insider, September 2025)](https://www.crowdfundinsider.com/2025/09/252042-berlin-based-digital-assets-platform-nebeus-is-raising-funds-via-republic-europe-to-accelerate-crypto-adoption/)
5. [Nebeus | Crowdfunding Opportunity | Seedrs/Republic Europe](https://europe.republic.com/nebeus2)
6. [Nebeus from Barcelona secures €250M for expanding Crypto Loan Services (Founders Today)](https://www.founderstoday.news/nebeus-secures-250-millions/)
7. [Nebeus LinkedIn company page](https://uk.linkedin.com/company/nebeus)
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*Topic: Encyclopedia › Society and history › Economics and business › Business and work › Business and work overview › Companies and corporations › Venture-backed startups and growth companies › Fintech, commerce, and consumer startups › Crypto and digital assets*
*Initially written Sep 17, 2026 · Edited: Oct 11, 2026; Oct 15, 2026*
*Copyright 2026 EdgeChat AI, a subsidiary of Biostate AI.*
License: Edgepedia Community License 1.0, https://www.edgepedia.org/edgepedia/license