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 — launch your own BaaS bank in ~10 weeks.
180+
Countries Served
100+
Currencies Supported
90%
T+1 Settlement
$200M
Crypto-Backed Loans
$1.1B+
Liquidity Pool
~10 Wks
Time to Launch
A British Banking Heritage Built for the Future
Rooted in a long history of British merchant banking, Sterling Mercantile Neo is backed by a real brick-and-mortar foundation with immense liquidity. We have the financial strength to serve clients in 180 countries across more than 100 currencies. Our EQIBank BaaS Fintech solution is actively powering the world's leading Neo banks—and in just ~10 weeks, you can launch your own.
Trusted by Giants
Trust and exemplary management are our cornerstones. When Tether—the world's most famous stablecoin—evaluated numerous global institutions, they chose EQIBank as their trusted banking partner.
Super-Fast AI Compliance
Opening an account should be effortless. We use cutting-edge AI to make our KYC and AML compliance super fast—ensuring seamless onboarding backed by our global Visa card partnership.
Global Multilingual Team
Our dedicated global team speaks your language. We provide full native support in Chinese, Japanese, French, English, Arabic, and Russian, ensuring localized care across all 180 supported countries.
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, Visa cards, payments, custody). Launch in ~10 weeks. We handle compliance; you build the brand.
What You Can Offer Your Clients
Build your banking ecosystem using our full suite of financial tools.
Discover Sterling Mercantile Neo
Simple to Start. No Hidden Complexity.
Everything you need to run a fully regulated digital bank under your own brand — delivered in ~10 weeks, with no banking licence required. We handle the compliance, KYC, and AML; you focus on revenue.
Sign a BaaS Agreement
Standard terms, no long legal battles. Gain access to EQIBank's regulated global rails instantly.
Brand Your Bank
Upload your logo, choose your products, and set your fees inside the white-label environment.
Onboard Your Clients
Your clients open accounts in minutes thanks to our AI-driven, super-fast compliance engine.
Start Earning
Collect onboarding fees, transaction shares, and monthly subscriptions directly from your users.
Launch Your Own Bank in ~10 Weeks
You already have trust. Now add a bank. Your new platform becomes a powerful 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.
Global Leadership, Local Expertise
Jason Blick
Founder & CEO of EQIBankFounded EQIBank in 2015. UK-qualified solicitor with 25+ years in law and banking. Architect of the BaaS infrastructure behind Sterling Mercantile Neo.
Marco Pearman-Parish
CEO Sterling Mercantile Neo & Representative of EQIBank HKStrategic partner leading EQIBank’s Asia-Pacific expansion, with 35+ years in banking, finance, and law across Asia. Founder of Corporation China Investment Group (CCIG) and Co-Founder & Managing Director of Yingke Matrix, part of Yingke Law Firm — one of the world’s largest legal networks. Holding a PhD in Psychology, trained as a lawyer, and recognized as a global entrepreneur, Marco bridges fintech innovation with merchant banking heritage, positioning Sterling Mercantile Neo and EQIBank Hong Kong at the forefront of offshore banking, custody, and BaaS solutions.
Adam Palin
COO, Sterling Mercantile NeoCapital markets and structured finance specialist. Oversees treasury, investor relations, and global expansion. Previously managed multi-billion dollar portfolios.
Ernest Borge
Head of BankingSenior banking executive with 25 years across China, Europe, and LATAM. Leads operations and AML automation.
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.
"Everyone in the world should be able to earn money for their family, be free from political decisions that influence people's ability to open a bank account, do business in over 100 currencies, and have hope for the future.
It's not where you were born, it's where you're going — you can be Sterling!"
Global Strategic Alliances
Payments to EQIBank are routed seamlessly through trusted correspondent partners — DBS Bank Ltd, Wells Fargo, Citi, BNY Mellon, and UBA. When clients transfer funds, settlement occurs via these Tier‑1 institutions, ensuring custody and clearing with the same banks used by the world’s largest corporations. This is the standard system all offshore banks rely on, guaranteeing security and zero risk in global transactions.
| 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 |
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.
Financial Highlights
Empowered Performance
| Metric | 2024 | 2025 Target | 2026 Projection |
|---|---|---|---|
| Transaction Volume | $1.6B | $2.5B | $3.2B+ |
| Liquidity Pool | $1.1B | $1.5B | $2B |
| Revenue | $25–35M | $55M+ | $80M+ |
| Avg Deposit / Client | $30K | $40K | $50K |
| Audit Firm | BDO | — | — |