Koinonos is a future Neo Bank with blockchain technology that offers global payment network services, secured loans in cryptocurrencies, passive income staking, money transfers abroad, swaps, a bridge between cryptocurrencies and fiat money, and tokenization of real estate assets, commodities, companies, and investment funds. The company aims to provide the best of both worlds by combining the security of a Neo Bank with the decentralization of blockchain technology. They are registered in the Bank of Spain and offer an app that allows users to make daily payments and international transactions easily and securely.