Empowered The Engine Powering
a New Era in
Neo Banking
An Embedded Payment Solution built for the modern world. We put the full power of EQIBANK, a licensed global bank, behind your brand — seamlessly, swiftly, and profitably.
it's where you're going — you can be Sterling!" — Marco Says *
Orderless. Limitless.
Empowering business through tax-neutral banking.
The Engine Behind Embedded Banking
Sterling Mercantile Neo is not just a banking partner — we are the engine that powers a new era in Neo Banking. An embedded payment solution so seamlessly integrated, your clients never need to know the infrastructure behind it.
100% Offshore. No tax friction. No jurisdictional restrictions. It doesn't matter where you are — what matters is where you're going.
EmpoweredOur Legacy of Trust and Innovation
Sterling Mercantile Neo is a modern merchant banking group and full-stack Banking-as-a-Service (BaaS) platform. We combine the heritage of British merchant banking with today's digital rails. Our mission: enable any business to offer regulated banking services under its own brand, without becoming a bank.
Global Reach
180+ countries, 100+ currencies. Correspondent banks: DBS, Wells Fargo, Citi, BNY Mellon, UBA.
Fully Licensed
Backed by EQIBank (founded 2015). Full banking license. Institutional-grade compliance, AML/KYC, and custody.
Banking-in-a-Box
White-label mobile app, API dashboard, back-office. You keep up to 90% of net revenue. Launch in ~10 weeks.
Core Services
Comprehensive financial infrastructure for the modern global economy.
Multi-Currency Accounts
Open individual or corporate accounts in USD, EUR, GBP, CNY, NGN, HKD, SGD and 100+ more. No minimum deposit.
Cross-Border Payments
Fast settlement (~90% within 1 day). Fees 1–2% vs 5–10% traditional remittance. Send to 180+ countries.
Crypto Custody & Trading
Buy, sell, hold Bitcoin, Ethereum, USDT. Institutional cold storage. Convert top-10 crypto to cash in ~7 minutes. Loans up to $200M.
Escrow & Trade Finance
Secure buyer-seller settlements, supply chain finance, commodity escrow. Funds released only upon approved milestones.
Coin Minting
Issue your own digital tokens — loyalty points, fundraising, cooperative shares. No complex legal setup required.
White-Label BaaS
Full stack branded banking (accounts, cards, payments, custody). Launch in ~10 weeks. We handle compliance; you build the brand.
Discover Sterling Mercantile Neo
Your Brand. Our Bank.
Everything you need to run a fully regulated digital bank under your own brand — delivered in ~10 weeks, with no banking licence required.
Our turnkey BaaS platform lets you deploy a fully licensed, white-label digital bank under your own brand — without the years of regulatory overhead. You keep up to 90% of net revenue.
Discovery & Scope
We assess your requirements, regulatory landscape, and target market to design your bespoke banking stack.
Platform Build
Our team configures your fully branded banking environment — accounts, payments, cards, and compliance modules.
Compliance & Licensing
Leveraging EQIBank's established licences, we handle regulatory alignment so you can focus on your customers.
Launch & Scale
Go live with confidence. Ongoing support, monitoring, and scaling as your customer base grows globally.
Launch Your Own Bank in ~10 Weeks
You already have clients, a reputation, and ambition. Now add a fully regulated digital bank under your own name — without years of licensing, millions in capital, or technical headaches. Your bank becomes a profit centre from day one.
Client Onboarding Fees
Charge a one-time setup fee when clients open accounts. You set the price — typical market fees range from $50 to $500 per account. 100% of that fee goes to you.
Transaction Fee Share
Every cross-border payment, crypto trade, or escrow generates a fee. Sterling Mercantile Neo passes over 90% of net transaction fees back to you.
Monthly Account & Card Fees
Offer premium accounts or branded debit cards. You keep the monthly subscription fees. Your clients get convenience; you get recurring revenue.
Foreign Exchange (FX) Spread
When clients convert between currencies (USD to CNY to EUR), you share in the FX margin. With 100+ currencies available, this adds up fast.
Crypto & Custody Fees
Your clients can buy, sell, and hold Bitcoin, Ethereum, USDT. You earn a share of trading fees, custody fees, and crypto-backed lending interest.
Mint Your Own Coin
Issue your own digital token — loyalty points, fundraising, community currency. You control the economics; every token transaction can generate revenue.
Strategic Hubs Across the World
Sterling Mercantile Neo operates globally, supporting clients across Asia-Pacific, Europe, and the Americas.
Shanghai IFC Headquarters
Positioned in the heart of Lujiazui, Pudong, bridging global finance with China's rapid digital banking evolution.
Executive Client Relations
We provide localized, white-glove onboarding and BaaS deployment support for our institutional partners.
Why Your Clients Will Join Your Neo Bank
You're not selling a commodity. You're offering an upgrade.
| Industry | How They Benefit |
|---|---|
| Finance & Investment | One integrated platform for accounts, trading, custody, and escrow. No more juggling multiple banks. |
| Property & Real Estate | Collect rents, hold security deposits in escrow, pay contractors across borders — all under your property brand. |
| Family Offices | Move beyond basic wealth management. Offer banking, custody, lending, and tokenisation under your family office brand. |
| Oil, Gas & Commodities | Handle large cross-border deals in 180 countries. Multi-currency accounts, escrow for big transactions, and fast settlement (90% T+1). |
| Import / Export | Pay suppliers in their local currency, receive payments from buyers worldwide, and use escrow to protect both sides. |
| Crypto & Web3 | Mint your own coin, offer crypto custody, and provide fiat on/off ramps — all compliant and bank-grade. |
Ready to Launch Your Own Bank?
Apply Now Empowered The Engine Powering
a New Era in
Neo Banking
An Embedded Payment Solution built for the modern world. We put the full power of EQIBANK, a licensed global bank, behind your brand — seamlessly, swiftly, and profitably.
it's where you're going — you can be Sterling!" — Marco Says *
Orderless. Limitless.
Empowering business through tax-neutral banking.
The Engine Behind Embedded Banking
Sterling Mercantile Neo is not just a banking partner — we are the engine that powers a new era in Neo Banking. An embedded payment solution so seamlessly integrated, your clients never need to know the infrastructure behind it.
100% Offshore. No tax friction. No jurisdictional restrictions. It doesn't matter where you are — what matters is where you're going.
EmpoweredOur Legacy of Trust and Innovation
Sterling Mercantile Neo is a modern merchant banking group and full-stack Banking-as-a-Service (BaaS) platform. We combine the heritage of British merchant banking with today's digital rails. Our mission: enable any business to offer regulated banking services under its own brand, without becoming a bank.
Global Reach
180+ countries, 100+ currencies. Correspondent banks: DBS, Wells Fargo, Citi, BNY Mellon, UBA.
Fully Licensed
Backed by EQIBank (founded 2015). Full banking license. Institutional-grade compliance, AML/KYC, and custody.
Banking-in-a-Box
White-label mobile app, API dashboard, back-office. You keep up to 90% of net revenue. Launch in ~10 weeks.
Core Services
Comprehensive financial infrastructure for the modern global economy.
Multi-Currency Accounts
Open individual or corporate accounts in USD, EUR, GBP, CNY, NGN, HKD, SGD and 100+ more. No minimum deposit.
Cross-Border Payments
Fast settlement (~90% within 1 day). Fees 1–2% vs 5–10% traditional remittance. Send to 180+ countries.
Crypto Custody & Trading
Buy, sell, hold Bitcoin, Ethereum, USDT. Institutional cold storage. Convert top-10 crypto to cash in ~7 minutes. Loans up to $200M.
Escrow & Trade Finance
Secure buyer-seller settlements, supply chain finance, commodity escrow. Funds released only upon approved milestones.
Coin Minting
Issue your own digital tokens — loyalty points, fundraising, cooperative shares. No complex legal setup required.
White-Label BaaS
Full stack branded banking (accounts, cards, payments, custody). Launch in ~10 weeks. We handle compliance; you build the brand.
Discover Sterling Mercantile Neo
Your Brand. Our Bank.
Everything you need to run a fully regulated digital bank under your own brand — delivered in ~10 weeks, with no banking licence required.
Our turnkey BaaS platform lets you deploy a fully licensed, white-label digital bank under your own brand — without the years of regulatory overhead. You keep up to 90% of net revenue.
Discovery & Scope
We assess your requirements, regulatory landscape, and target market to design your bespoke banking stack.
Platform Build
Our team configures your fully branded banking environment — accounts, payments, cards, and compliance modules.
Compliance & Licensing
Leveraging EQIBank's established licences, we handle regulatory alignment so you can focus on your customers.
Launch & Scale
Go live with confidence. Ongoing support, monitoring, and scaling as your customer base grows globally.
Launch Your Own Bank in ~10 Weeks
You already have clients, a reputation, and ambition. Now add a fully regulated digital bank under your own name — without years of licensing, millions in capital, or technical headaches. Your bank becomes a profit centre from day one.
Client Onboarding Fees
Charge a one-time setup fee when clients open accounts. You set the price — typical market fees range from $50 to $500 per account. 100% of that fee goes to you.
Transaction Fee Share
Every cross-border payment, crypto trade, or escrow generates a fee. Sterling Mercantile Neo passes over 90% of net transaction fees back to you.
Monthly Account & Card Fees
Offer premium accounts or branded debit cards. You keep the monthly subscription fees. Your clients get convenience; you get recurring revenue.
Foreign Exchange (FX) Spread
When clients convert between currencies (USD to CNY to EUR), you share in the FX margin. With 100+ currencies available, this adds up fast.
Crypto & Custody Fees
Your clients can buy, sell, and hold Bitcoin, Ethereum, USDT. You earn a share of trading fees, custody fees, and crypto-backed lending interest.
Mint Your Own Coin
Issue your own digital token — loyalty points, fundraising, community currency. You control the economics; every token transaction can generate revenue.
Strategic Hubs Across the World
Sterling Mercantile Neo operates globally, supporting clients across Asia-Pacific, Europe, and the Americas.
Shanghai IFC Headquarters
Positioned in the heart of Lujiazui, Pudong, bridging global finance with China's rapid digital banking evolution.
Executive Client Relations
We provide localized, white-glove onboarding and BaaS deployment support for our institutional partners.
Why Your Clients Will Join Your Neo Bank
You're not selling a commodity. You're offering an upgrade.
| Industry | How They Benefit |
|---|---|
| Finance & Investment | One integrated platform for accounts, trading, custody, and escrow. No more juggling multiple banks. |
| Property & Real Estate | Collect rents, hold security deposits in escrow, pay contractors across borders — all under your property brand. |
| Family Offices | Move beyond basic wealth management. Offer banking, custody, lending, and tokenisation under your family office brand. |
| Oil, Gas & Commodities | Handle large cross-border deals in 180 countries. Multi-currency accounts, escrow for big transactions, and fast settlement (90% T+1). |
| Import / Export | Pay suppliers in their local currency, receive payments from buyers worldwide, and use escrow to protect both sides. |
| Crypto & Web3 | Mint your own coin, offer crypto custody, and provide fiat on/off ramps — all compliant and bank-grade. |
Ready to Launch Your Own Bank?
Apply Now →Our Clients
Serving banking, trade, custody, escrow, wealth management, and global finance.
Sophie Steinmayer
Sophie embodies the modern Euro‑China identity — cultured, driven, and globally fluent. The composition emphasises her role as the symbol of modern Euro‑China identity, highlighting both heritage and ambition — a visual that defines Sterling Mercantile Neo's cultural ambassador programme.
Global Strategic Alliances
| Region | Partner | Function |
|---|---|---|
| Singapore | DBS Bank Ltd | Primary USD correspondent |
| Africa | UBA Group | African flows |
| United States | Wells Fargo, Citi, BNY Mellon | USD clearing, custody, settlement |
| Europe | Multiple partners | EUR/GBP flows |
| China | STERLING PAY (coming soon) | RMB/CNY clearing |