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Invest in the Future of Digital Payments

Transform the Payments World

At Knaken, we are determined to redefine the future of digital payments. Our innovative digital asset solutions have proven their strength in the Dutch market, and now we are ready for the next big step: a large-scale rollout across Europe.

A Unique Opportunity.

By investing in Knaken, you will contribute to making secure and efficient digital payment solutions accessible to millions of users. Your investment will accelerate our growth and help us gain a leading position in the European market.

Proven Technology, European Ambitions.

Our technology has already proven its value in the Netherlands. Now we are ready to expand to strategic markets across Europe. With strong partnerships and a clear vision, we can scale our services quickly and efficiently.

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Knaken's revenue models

knaken settle

Trades

Knaken generates revenue through transaction fees for trading cryptocurrencies. Users can easily trade through our intuitive app, where we receive a small fee per transaction. Through constant updates and improvements, we provide a first-class trading environment that is both user-friendly and profitable.Discover more terms
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Subscription

Our subscription services provide a stable and predictable income stream. Subscribers get access to exclusive features such as advanced trading tools and priority customer service. This model ensures financial stability and provides users with a premium experience that exceeds their expectations.
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Payments

With our innovative crypto payment solutions, we earn 0.99% per transaction, with no fees for merchants. Users can pay securely with cryptocurrencies, which provides a constant and growing revenue stream. We continue to optimize this feature to meet the increasing demand and ensure a seamless payment experience.
knaken settle

Licenties

We license our trading and payment software to other companies under a white-label agreement. This generates additional revenue without having to focus on managing individual clients. Thanks to continuous software innovations, we maintain our market leadership position and further expand our influence.

Why Knaken is unique

Proven Technology

Our digital payment solutions have already proven their strength in the Netherlands. We offer secure, efficient and intuitive services that simplify the payment process for both consumers and businesses. With our technology as a foundation, we are ready to take the next step.

European Expansion

We are about to further perfect our technology and expand our infrastructure to strategic markets across Europe. This will allow us to reach a wide range of users, from small businesses to large enterprises, and offer them the power of secure and simple payments.

Strategic Partnerships

By working closely with leading financial institutions and technology partners in various European countries, we accelerate the implementation of our services and strengthen our presence in the market. Together with our partners, we are building a future where cross-border payments are effortless and secure.

Achieved milestones

Thanks to the support of our investors in the first round of financing, we have achieved the following impressive milestones:

new products

We have successfully introduced new products such as Settle Cash, which have significantly expanded our offering. These products offer our users more flexibility and strengthen our position as an innovator in the market.

Business Partnerships

We have been able to present a number of great business partners who will help us achieve further growth. These partners strengthen our position and accelerate our expansion plans.

New Customers

We have achieved significant growth in our customer base, further underlining the demand for our solutions. Each new customer confirms our success and our ability to meet the needs of a dynamic market.

Campaign

We created the campaign "The Standard" to promote our Settle products. The first commercial was made with the cooperation and participation of: "Klibansky" and "Mark Vanderloo". This video can be viewed further down this page.

Fantastic Employees

We have attracted a number of top employees to help us further accelerate the organization. Their expertise and dedication drive our continued growth and innovation, and are the backbone of our success.

Technology Investments

We have been able to invest heavily in the technology to make it more robust, secure and scalable. This ensures that we are better prepared for future growth and can meet the demands of the European market.

Your investment at work

TECHNOLOGICAL
INNOVATION
We will continue to invest in R&D to make our solutions even more robust and user-friendly, with a focus on security and scalability.

23%

INFRASTRUCTURE
EXPANSION
We will continue to invest in R&D to make our solutions even more robust and user-friendly, with a focus on security and scalability.

24%

MARKET PENETRATION
Targeted marketing campaigns and local presence will help us quickly gain market share in new regions and convince customers of the benefits of our payment solutions.

53%

The management of Knaken

spend your crypto

Crypto is fully transitioning into a regulated world, which gives room to enter the economic system. With our Settle solutions, crypto will be more than just a speculative asset or investment.

Ronald Jonkers, CEO

24 years of experience in IT and software development. Worked / delivered to Heineken, Friesland Campina & Lidl. 20 years entrepreneur.

knaken settle

Imagine a world where anyone, no matter who they are, can pay instantly with any digital asset, anytime, anywhere.

Erik Hollander, CCO

20+ years of experience in scaling up (fin)tech companies. M&A experience, track record international sales & marketing. Ex-Sterksen (Headfirst Group), JEX, Atos & Tesla.

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By adhering to strict compliance and regulations, we ensure that our Settle solutions are not only innovative but also reliable. This creates a secure environment where every transaction meets the highest standards of integrity and security.

Petra de Wild, COO

28 years of experience in various roles: General Counsel a.i., Chief Compliance Officer, lead M&A, carve out & integration in ICT, Health, Retail, Industry

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Financial infrastructures are set to change with the integration of regulated crypto solutions. With Settle, we offer not only a safe but also an efficient way to transfer value, providing a solid foundation for sustainable growth and financial stability.

Arjan Witteveen, CFO.

Entrepreneurial, 40 years of international experience, all-round Accounting, Corporate Finance and M&A for KPMG, UPS, Sara Lee, DPD

Proces optimalisation with AI

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Support

As our customer base grows, we continue to provide human support, supported by AI. Our AI technology suggests optimal answers based on previous answers and knowledge, allowing us to work faster and more efficiently. This reduces costs and increases customer satisfaction, effectively meeting the growing need for support.
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Compliance & Security

Knaken uses AI as a tool to ensure compliance and security. Our AI systems monitor transactions, assess KYC verifications and detect suspicious activities quickly. This minimizes risks and ensures compliance with regulatory requirements, which strengthens trust among users and investors. In addition, we save time and costs.
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Infrastructure

Our infrastructure efficiently manages growth with AI. AI analytics predicts usage patterns and helps us dynamically scale resources for peaks in demand. AI also ensures the quality and security of our code. Top technology partners and cloud solutions ensure robust, future-proof systems that support growth and new opportunities.

Products

Knaken offers a range of products to its customers such as standard crypto trading and savings products.
In addition, we have also developed various payment solutions, many of which have already been rolled out.
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Knaken app

With the Knaken app for Apple and Android phones you have the possibility to buy digital assets such as cryptocurrencies and/or convert them to Euro. In addition, it is possible to earn returns from assets or to save. We add new features and improvements to our app every week.
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Payment Request

Settle Payment Requests are the Crypto variant of the well-known: "Tikkie". After a meal, the payer of the bill sends a payment request via WhatsApp and each payer can immediately pay with one of the 150+ cryptocurrencies or Euro in his or her account.
spend your crypto

Settle Checkout

Pay with your digital assets like crypto at your favorite webshop. The webshop simply receives the Euro amount on its bank account via its Payment Service Provider. Cheaper alternative to products like iDeal or credit card.
knaken settle

Settle Cash

Day out or on holiday found a place where you can't pay with Settle yet? No problem! Walk to the nearest ATM and get money from the wall with Settle Cash to still be able to pay with your digital assets such as Crypto. (soon)
knaken settle

Settle POS

Pay with your digital assets like crypto at your favorite store, restaurant or cafe. The recipient simply receives the Euro amount on his bank account via his Payment Service Provider. Cheaper alternative to products like iDeal or credit card. (soon)
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Settle Invoice

No more money in your bank account, but an important bill that needs to be paid? Settle Invoice offers the solution by paying your invoices directly from your digital asset wallet without the intervention of the bank. (soon)
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Settle Cards

Pay with your digital assets like crypto at your favorite webshop. The webshop simply receives the Euro amount on its bank account via its Payment Service Provider. Cheaper alternative to products like iDeal or credit card. (soon)
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Settle IBAN

An IBAN is a bank account number linked to your Settle account with which you can receive and spend FIAT such as Euro. Convert certain incoming transactions such as your salary (partially) to your fixed crypto portfolio and pay your bills monthly as you are used to. (soon)

Forecast & Figures

Knaken has calculated three different scenarios for the coming years:
  • Base (disappointing, a bad market, bad marketing conversion, without saving costs)
  • Middle of the Road (expected based on the proposed strategy)
  • Optimum (if the Settle and Knaken applications are included as a payment standard by the financial market).

    The graph on the right shows the composition of the EBITDA based on the different scenarios.
    The Middle of the Road is further specified.

knaken settle
Elaboration of the 'Middle of the road' scenario:
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spend your crypto
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Knaken's strategy is to be less dependent on Knaken Trade's turnover by launching Settle. In 2024, Settle's turnover will be negligible compared to the total. The goal is that in 2027, Settle's turnover will be 37% of the total turnover.
In addition, we have also developed various payment solutions, many of which have already been rolled out.

What our partners say

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Knaken's unique solution and In2Retail's infrastructure make it possible to withdraw cash directly from your crypto account at any regular ATM worldwide.

Richard Entrop, CEO In2Retail bv
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I was responsible for the integration of Settle Checkout and Knaken has really made a beautiful product of it. Works really extremely smooth and fast. Many payment methods can take an example from this.

Jelle Hoes, CTO Buckaroo
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The fact that we are continuing together indicates that we are successfully working together with Knaken. At Feyenoord, we believe in the possibilities in the field of cryptocurrencies. It is not without reason that we recently introduced the innovative payment method Settle together with Knaken. This allowed our supporters to renew their season ticket via payment with cryptocurrencies.

Ruud van der Knaap,CCO Feyenoord
spend your crypto

Years ago, kickboxing was viewed with skepticism, just as crypto is now. But we are on the verge of a major change. I have always been at the forefront of innovation and pushing boundaries. Both in the ring and in my business adventures. Knaken shows that taking on challenges and embracing new ideas leads to success. I have stepped in with peace of mind and am walking ahead of the troops with complete confidence.

Rico VerhoevenAandeelhouder/
Wereldkampioen

Knaken related videos

Our Partners

Frequently Asked Questions

Knaken offers more than the average crypto company that focuses on trading cryptocurrencies. Knaken wants to realize the connection between this new and old economy by launching products that people can use in their daily lives. This keeps Knaken ahead of the competition and allows us to remain distinctive.

- Registration via form with full name, email, telephone and investment amount
- Automatic reply with payment details or direct payment via the form
- Forwarding Purchase Agreement after payment check
- Confirmation and KYC check
- Confirmation and issuing of certificates

Acquisition by a larger Fintech or crypto company
Existing Fintech or crypto companies such as Kraken, Binancec or Fintech giant Adyen could show interest in Knaken's unique products. They could use it to improve their existing products, create new services or expand their licenses.

Acquisition by a bank
Many banks will have to catch up in the crypto world and will look for innovative companies with customers to maintain their position and right to exist and strengthen their competitive advantage.

Secondary sale
The founders and early investors can sell their shares to a private equity firm or other investors, while the company itself remains independent.

IPO
If Knaken grows significantly and becomes profitable, it could consider going public. This would give the company access to a large amount of capital to expand further.

Share buyback program
In this case, Knaken buys shares of itself directly from its investors, thereby reducing the number of outstanding shares of the company. This has a positive effect on the value of the remaining shares, because the company increases the demand for its own shares and can thus stimulate the price.

Online certificate market
There are plans to offer certificate holders their certificates on a market that runs on Knaken at a later stage. This creates the possibility to redeem the certificates at an earlier stage.

Settle's three main products are ready to enter the market and are already being used by a select number of parties. In addition, Buckaroo is a major payment service partner and actively offers Settle to all its customers.

Within the crypto community, everyone agrees: crypto and the underlying blockchain is the future. With growing adoption, more and more individuals and companies seem to be discovering the potential of the emerging sector. A new study by the American listed crypto exchange Coinbase concludes that the largest companies in the United States are looking at the sector with some interest, despite increasing regulatory pressure in the country.

Fortune 500 is bullish on crypto
The Fortune 500 is an annual ranking compiled and published by Fortune magazine, consisting of the 500 largest American companies in terms of annual revenue.

The study found that 52 percent of respondents have pursued crypto, blockchain, or web3 initiatives since 2020. About 60 percent of initiatives reported since the start of 2022 are in the pre-launch phase or have already launched.

83 percent of Fortune 500 executives surveyed who are familiar with crypto or blockchain said their companies have initiatives underway or are planning them.

Furthermore, 64 percent of these Fortune 500 executives who are familiar with the crypto space said investing in it is important to stay ahead of the competition.

Since May 2020, there has only been a legal registration requirement for companies that are involved in crypto. This concerns the registration of the trading and storage of digital assets and wallets (custodial wallets). Knaken was one of the first parties to obtain this registration from the DNB on March 3, 2021. This registration was used as a guideline for the European license that all parties active in Europe must adhere to. At the moment, there are only a few parties in the Netherlands that have managed to do this. Some have even been rejected.

Once a year there will be a major update by means of a meeting. However, due to the many developments, a page for investors will be launched in the Knaken portal. Interesting data will be shared here.

Despite the fact that merchants do not pay any fees per payment, every transaction earns Knaken money as this generates a crypto transaction. This yield is comparable to a normal crypto trade. In addition, companies pay fees for having a business account and we will introduce subscriptions that ensure stable income.

All certificate holders will receive their certificate via email no later than 3 months after the round has closed. Each certificate holder is responsible for providing all required information.

In the previous round the price per certificate was €6,- and the current price is €15,- per certificate.

BENEFITS FOR INVESTORS

HUGE GROWTH POTENTIAL​ Knaken has been around for seven years and has built up a good reputation in the industry. We are now ready to scale up and grow rapidly. Not only in terms of customers, but also in terms of product range and turnover. With the international rollout of Settle payment solutions, this also offers the opportunity for interest from the Fin-tech world.
PROVEN EXPERTISE Knaken is a Dutch player, with DNB registration and Dutch management that has been seen for years as specialists in modern Fin-tech solutions
POTENTIAL EXIT OPPORTUNITIES Knaken intends to make the certificates tradable within a year, giving customers the opportunity to cash out their certificate. In addition, there is of course always a chance that the company will be sold to a large(r) player in the market.

Participate right away

HOW CAN I PARTICIPATE?
  • Make sure you have read all the documents
  • Fill in your details
  • Choose the amount you want to participate with (€ 15 per certificate)
  • Choose your payment method, you will be connected directly to make the payment
  • If you want to invest a different amount than stated in the options list, please contact us.
  • The following incentive applies to larger investors:
knaken settle
  • The investor will receive the incentive in Bitcoin credited to his customer account after it has been passed on.
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Important documentation

Contact details

Paul Vemer (investment manager): [email protected]

Ronald Jonkers (ceo): [email protected]

Platform Support: [email protected]

Other questions: [email protected]