Neo-bank capabilities for financial institutions
Infrastructure that powers flexible yield
Help your customers earn significantly more on their EUR and USD holdings through institutional-grade strategies backed exclusively by assets from regulated istitutions.
Current challenges
Why financial institutions are falling behind
European banks face four critical barriers preventing them from offering competitive yield products to their customers.
Competitive Pressure
Customers are moving their liquidity to fintechs because traditional savings accounts offer near-zero interest. Banks need compelling alternatives to retain deposits.
miso delivers higher-yield deposit products, ready to go.
Innovation Gap
Fintech startups are built for rapid innovation. Traditional banks, where R&D is not a core competency, struggle to keep pace with the speed of financial technology evolution.
miso is your plug-and-play R&D arm.
Integration Hurdles
Legacy banking infrastructures lack interoperability with modern yield-generation protocols. Bridging this gap requires significant investment in research and system integration.
miso provides white-label plugins for your existing systems.
Regulatory Gap
The regulatory framework for digital assets is fragmented. Banks face high uncertainty, requiring constant updates and expertise to interpret emerging guidelines like MiCA.
miso manages MiCA and AML5 compliance for you.
Our solution
Flexible yield deposits, zero operational burden
miso.global provides a turnkey platform that lets banks offer flexible yield deposits to their customers. Returns are generated exclusively through the most secure strategies and assets from recognised institutional players.
Complete Risk Assumption
We assume all technical and regulatory risks associated with blockchain operations. Every euro lost is reimbursed by us, not the bank.
Insurance Coverage
Total peace of mind with an extra layer of protection: banks can choose to activate specific insurance policies on technical failures.
White-Label Integration
Retain full ownership of the customer relationship. Users access yield products directly within your banking app, with your branding and your UX.
Custody Flexibility
Choose self-managed custody with full API control over client wallets, or let miso act as custodian for your clients' digital assets.
Operating model
How the flexible yield deposit works
A seamless process from activation to withdrawal. The customer never leaves the bank's app. miso handles everything behind the scenes.
Customer activates yield
The customer enables flexible yield directly within the bank's app. miso sets up a dedicated wallet behind the scenes -- no extra onboarding, no new accounts.
EUR/USD converted to e-money tokens
Deposited funds are converted 1:1 into regulated e-money tokens (EMTs) and deployed to the most secure lending protocols from recognised institutional players.
Yield is generated and optimised
miso continuously monitors positions, managing risk and optimising returns. The bank and customer have full visibility at all times via dashboard and API.
Instant access to funds
When the customer deactivates yield mode, positions are unwound, EMTs converted back to fiat, and EUR/USD returned to the bank. Full liquidity, on demand.
E-money tokens (EMTs) are bank or EMI-issued, 1:1 backed electronic money regulated under MiCA. Customers maintain full liquidity with on-demand withdrawals at any time.
Why it is better
How miso compares to current offerings
A side-by-side view from the investor perspective. miso's flexible yield deposits outperform traditional products across every key metric.
| Evaluation criteria | miso.global | Traditional deposits | Fixed-term deposits |
|---|---|---|---|
| Yield APY | Significantly higher than traditional deposits | Near-zero on flexible, modest on fixed-term | Moderate, locked for months |
| Withdrawals | Flexible, on-demand liquidity | Flexible | Locked for a fixed duration |
| Collateral Assets | Backed by liquid assets from recognised players | Loans and illiquid assets | Loans and illiquid assets |
| Insurance | 100% insured (up to higher limits) | 100% insured (up to 100k) | 100% insured (up to 100k) |
> 3x
Higher net yield compared to traditional flexible deposits
100%
Collateralised by liquid assets from recognised institutional players
On-demand
Full liquidity with no lock-up period, customers withdraw anytime
Security & compliance
Built for institutional trust
Multi-layered security architecture with full EU regulatory alignment, continuous monitoring, and structured legal frameworks.
Multi-Signature Custody
Built on Safe (formerly Gnosis Safe) smart contracts. Both miso and the partner bank hold separate keys. miso cannot unilaterally access funds, and the bank retains access even if miso encounters difficulties.
Risk Management
Continuous monitoring and active management ensure positions remain within strict risk parameters at all times.
Regulatory Compliance
Designed from the ground up for EU financial regulation. Pursuing MiCAr licensing with full alignment to evolving standards.
Beyond consumer banking
Market expansion opportunities
Our platform enhances yields without operational complexity.
Banks
Offer flexible yield deposits to retain customers and grow revenue.
Fintech Partners
Let your users earn yield on idle balances.
Wealth Management
Diversify client portfolios with enhanced yield exposure.
Corporate Treasury
Put cash reserves to work with compliant yield strategies.
Next steps
Ready to offer flexible yield deposits?
Partner with miso.global to retain customers, increase loyalty, and unlock new revenue streams. Our institutional advisory team will arrange a private consultation tailored to your needs.