FOR BANKS AND COOPERATIVES
THE MODEL
Member Shares
One member, one vote, typically small tickets - the foundation of cooperative funding.
Subordinated Loans
Qualified subordination instruments that sit above member capital, opening the door to larger investor tickets.
Profit Participation Rights & Bonds
Non-voting participation rights for larger raises, with bonds issued digitally under the eWpG for institutional-scale capital.
WITH ONINO
For Cooperatives
Digitize Member and Project Capital
Issue subordinated loans and profit participation rights alongside member shares, via a prospectus-free crowdfunding route with a disclosure document filed with regulators
Digital subscription portal handles KYC/AML, e-signature, and payment for hundreds of members at once
One platform and member base, reusable across every project
WITH ONINO
For Banks
Digital Securities Under Your Brand
Offer clients compliant digital securities, white-label, under your brand
Our legal partners prepare and file all required disclosures with regulators - you stay the client-facing brand
Securities live in our licensed register, so no registry license is needed on your side
HOW IT WORKS
Everything You Need, out of the Box
Step 1: Personalize Platform
Configure your white-label environment to match your bank's brand. Customize investor onboarding flows, product types, and communication templates.
Step 2: Onboard projects
Use standardized tools to intake and structure projects and assets for financing. Define terms, legal structures, and investor eligibility.
Step 3: Pool capital
Allow private banking clients to invest in curated digital assets — with automated compliance at every step.
Step 4: Manage and grow
Define revenue structures, manage distributions, and scale to new projects. Every new deal runs on the same infrastructure.
FOR WHO
Compliance Infrastructure for Every Bank That Wants to Compete While Staying Loyal to Regional Values
Neobanks offer convenience. You offer trust and local expertise. ONINO gives you the infrastructure to combine both - compliantly, under your brand.
That includes a licensed eWpG register, legal partners for VIB/disclosure and BaFin filing, and built-in KYC/AML with full audit trail (ISO 27001, SOC 2 Type II). Proven at scale: €50M+ financed, €750M+ in pipeline, 24+ countries, with Volksbank among our clients.
REGULATION
Built for Regulated Banking Environments
Regulatory-ready for EU and Switzerland (BaFin, ECSPR, MiCA). Member shares fall under the GenG; subordinated loans and profit participation rights are structured under the VermAnlG, with eWpG-issued digital securities in a BaFin-supervised register.
Automated KYC/AML and investor eligibility checks
Audit-proof documentation and transaction reporting
Secure, permission-based workflows with role management
GDPR-compliant data handling
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