Về Neverless
Neverless is a zero-commission investing app for EU retail users that trades stocks, ETFs, precious metals and more than 800 crypto assets from one account, with deposits in euro, dollar, USDC and USDT. It attacks the practice of charging trading, FX and custody fees separately: the platform charges no trading or FX fees and earns from spread, leveraged financing and interest products; stocks and ETFs are held as bilateral positions backed by real shares custodied at a FINRA-regulated broker and priced off those underlying securities, users can trade around the clock with up to 5x leverage, and idle balances accrue interest daily.
The difference from zero-commission brokers such as Robinhood and Trade Republic is that crypto and securities sit in one collateral pool, with margin calculated on the portfolio rather than a single asset. The company holds a MiCA CASP licence through its Latvian entity, approved by the Bank of Latvia on 20 May 2026, and passports services across the European Economic Area. The platform offers no private-key export and custodies crypto itself, and equity positions are claims against the platform, so asset safety is bound to the platform's solvency.
On May 20, 2026, Neverless's Latvian entity Neverless SIA received a MiCA crypto-asset service provider licence from Latvijas Banka, the fourth CASP licence in the country, covering custody, crypto-to-fiat and crypto-to-crypto exchange, portfolio management and transfer services, and passported across all 30 EEA states.
As of September 8, 2026, Neverless reported more than 100,000 users and over $10 billion in cumulative trading volume, up from roughly 50,000 users and $1 billion reported by CoinDesk in October 2025; its payment service provider application is still under review by Latvijas Banka, while stock trading sits with group entity Boku Securities SIA under a MiFID II licence.
Neverless uses zero-fee trading and automated strategies as the entry point, puts crypto, stocks, ETFs and metals in one account, and builds on EEA passporting with a payments licence and local operations.
Mikael (Đồng sáng lập, Twitter: @mikaelpeydayesh) - Trước đây tại Revolut, từng dẫn dắt các đội ngũ sản phẩm và vận hành, bao gồm các vai trò Trưởng bộ phận Premium & Shopping và Trưởng bộ phận Thanh toán cốt lõi. Cũng từng thực tập tại Kantox, Nauta Capital và HSBC. Phuc To (CEO & Đồng sáng lập, LinkedIn: linkedin.com/in/haiphuc) - Trước đây là Giám đốc Sản phẩm Toàn cầu tại Revolut, nơi anh xây dựng và quản lý chức năng sản phẩm trên hơn 100 sản phẩm, đồng thời dẫn dắt các bộ phận bán lẻ trong thời kỳ COVID-19. Cũng từng giữ vai trò Chủ sở hữu sản phẩm và Quản lý vận hành tại Revolut. Arthur Johanet (Đồng sáng lập) - Cựu nhân viên Revolut, từng là Trưởng bộ phận Tiền điện tử và Trưởng bộ phận Thanh toán thẻ, trước đó là Chủ sở hữu sản phẩm cấp cao và Quản lý vận hành. Cũng từng làm Giao dịch viên phái sinh vốn cổ phần tại Commerzbank và Chuyên viên phân tích tài chính tại Banque Leonardo.
Neverless charges 0 commission on stock, precious metals, ETF, money market fund, and most cryptocurrency trading, and a 2.49% illiquidity fee (minimum $1 per transaction) on illiquid cryptocurrencies.
Neverless charges 0 fees on Apple Pay and Google Pay deposits for the first three deposits up to a combined $1,000 and 2.49% on amounts beyond that, and $30 for USD deposits via SWIFT; EUR and GBP withdrawals incur a 0 fee while blockchain withdrawals are charged gas fees; pass-through fees include the FINRA trading fee of $0.000195 per share (minimum $0.01 per transaction), the SEC fee of 0.00206% (minimum $0.01), and a 30% withholding tax on dividends.
In May 2026, Neverless SIA received a crypto-asset service provider (CASP) license from the Bank of Latvia under MiCA for crypto custody， exchange and transfer services， passported to 30 EEA countries. In November 2024, affiliate Boku Securities SIA obtained a MiFID II investment firm license.