External Providers of Regulated Financial Services

Overview

In compliance with Regulation (EU) 2023/1114 on Markets in Crypto-Assets (MiCA), Nebeus acts as a technology integrator and auxiliary service provider, while core financial and crypto-asset services are executed exclusively through licensed external institutions, in full alignment with applicable regulation.

Some services (such as card issuance, IBAN accounts, custody, or crypto exchange) are delivered through co-branded agreements with regulated third-party providers, similar to the operational model adopted by entities like BitGo or Bittome.

Below is a list of our strategic partners and their regulatory status:

| Nº | Provider | Services Provided

| Regulatory Status

| 1

| Fiat Republic Ltd

(UK)

| VIBANS, Payment services | Authorised by Banc De Nederlandsche , Company No.

84625791, Relation No. R190553

| 2

| FreemarketFX

Ireland Ltd

(Ireland)

| Virtual IBANs, FX

payments

| Authorised Payment Institution by the Central

Bank of Ireland (Company No. 690987)

( wearefreemarket.com )

| 3

| Kraken / Payward

Ltd (Spain / USA)

| Cryptocurrency

exchange

| Registered with the Bank of Spain (Tax ID:

B88516673) ( kraken.com )

| 4

| Equities First

Holdings LLC (USA)

| Crypto-backed

loans

| Private financial entity under U.S. law (LEI:

549300P5CK3CYVZTHQ16)

| 5

| BitGo Europe GmbH

| Crypto Wallet and Custody provider

| MiCAr license - (BaFin ID) 50085544, Bak 157322

These regulated partners enable us to offer:

• SEPA transfers through your personal IBAN.
• Direct conversion of crypto assets (BTC, ETH, USDC, EUROC, etc.) to euros.
• Access to crypto renting and staking programs.
• Crypto-collateralized loans without asset liquidation.
• Physical and virtual cards compatible with Apple Pay and Google Pay.

Having multiple regulated providers for similar services allows us to assign the most suitable partner based on your user profile, geographical location, and service availability. This ensures greater flexibility, service continuity, and legal compliance across the European Economic Area (EEA).

These services are available exclusively to EEA residents and are delivered through authorized financial institutions. The specific provider responsible will be disclosed at the time of service activation.

If you would like more information about a specific service or provider, feel free to contact us.