Strictly confidential · Controlled investor access

The NEO AI
Investor Data Room.

Private access to the complete SAFE round documentation, financial hypotheses, technology architecture and transaction materials -
for qualified, professional and institutional investors, under NDA.

Controlled access Confidential materials NDA protected Investor verification required
€5.0M
Target round
€20M
Post-money cap · confirmed
20%
Discount
€100k
Minimum per investor
2027*
Targeted listing · planned, not assured
Private placement · not a public offer
NEO TECH LABS TECHNOLOGY L.L.C. · Licence 1320892 · DCCI 522892 · Iris Bay, Business Bay, Dubai, UAE · A subsidiary of My NEO Group
* The public-market transaction targeted for early 2027 is planned, not assured - subject to structure, market conditions, due diligence and approvals.
Legal NoticeTerms of AccessPrivacy & Data ProcessingDisclaimers
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Step 4 · Non-disclosure agreement

Confidentiality, before content.

The agreement below is completed with your verified identity and governs everything you will see inside the data room. It is executed electronically, in English.

CONFIDENTIALITY AND NON-DISCLOSURE AGREEMENT

This Confidentiality and Non-Disclosure Agreement (this "Agreement") is entered into on - at - (UTC) by and between:

(1) NEO TECH LABS TECHNOLOGY L.L.C., a limited liability company incorporated in Dubai, United Arab Emirates, Licence No. 1320892, DCCI No. 522892, with its registered office at Iris Bay, Business Bay, Dubai, UAE, a subsidiary of My NEO Group, acting for itself and on behalf of its Affiliates (together, the "Disclosing Party"); and

(2) -, whose identity has been verified through the Disclosing Party's designated identity-verification provider under verification reference assigned at identity verification, using the verified email address -, and whose declared country of residence is - (the "Recipient").

The Recipient's legal name above is drawn exclusively from the identity verified at onboarding and cannot be edited manually.

1 · Definition of Confidential Information

"Confidential Information" means all information, in whatever form and however disclosed, made available to the Recipient by or on behalf of the Disclosing Party in connection with the Purpose, including without limitation: the contents of the NEO AI investor data room and every document, page, rendering or extract thereof; business plans, financial models, projections, working hypotheses and scenario analyses; the terms, status and existence of the proposed SAFE round and of any contemplated transaction, including any contemplated public-market transaction; technical information relating to the NEO AI platform, its architecture, orchestration systems, models, model configurations, datasets, benchmarks, roadmaps and security arrangements; commercial information including pilot clients, counterparties, pricing and pipeline; corporate and structural information concerning the Disclosing Party, My NEO Group, My NEO Group Trust and their Affiliates; and all notes, analyses, summaries and derivative materials prepared by or for the Recipient that contain or reflect any of the foregoing. Confidential Information does not include information which the Recipient can demonstrate by written records: (a) was lawfully in its possession free of confidentiality obligations before disclosure; (b) is or becomes publicly available other than through a breach of this Agreement; (c) is lawfully received from a third party free of confidentiality obligations; or (d) is independently developed without use of or reference to Confidential Information.

2 · Purpose Limitation

The Recipient shall use Confidential Information solely for the purpose of evaluating a potential investment in the SAFE instrument proposed by or through the Disclosing Party's group (the "Purpose") and for no other purpose whatsoever, including without limitation any competitive, commercial, technical, recruitment or trading purpose.

3 · Non-Disclosure and Non-Use

The Recipient shall: (a) keep all Confidential Information strictly confidential; (b) not disclose, publish, distribute, transmit, screenshot, photograph, record, scrape, automatically extract or otherwise reproduce Confidential Information, in whole or in part, to or for any person; (c) not use Confidential Information otherwise than for the Purpose; and (d) protect Confidential Information with at least the degree of care it applies to its own most sensitive information, and in no event less than a reasonable standard of care. Access credentials are personal and non-transferable; the Recipient shall not permit any other person to access the data room through the Recipient's credentials.

4 · Restricted Distribution to Representatives

The Recipient may disclose Confidential Information only to those of its directors, officers, employees and professional advisers (its "Representatives") who strictly need it for the Purpose, provided that each Representative is informed of the confidential nature of the information and is bound by professional or contractual confidentiality obligations no less protective than this Agreement. The Recipient remains fully liable for any act or omission of its Representatives as if it were the Recipient's own. The Recipient shall maintain appropriate technical and organisational security measures to protect Confidential Information against unauthorized access, loss or disclosure.

5 · No Reverse Engineering

The Recipient shall not reverse engineer, decompile, disassemble, probe, benchmark, replicate, scrape or extract data, prompts or training material from, or otherwise attempt to derive the composition, architecture, weights, prompts, configurations or underlying structure of, any software, model, system or product of the Disclosing Party or its Affiliates; shall not use any Confidential Information to train, fine-tune, evaluate or develop any artificial-intelligence model or dataset, or to build, or assist any person in building, any competing or substantially similar system; and shall not permit or assist any third party to do any of the foregoing.

6 · Intellectual Property · No Licence

All Confidential Information, and all intellectual property rights therein, remain the exclusive property of the Disclosing Party or its licensors. Nothing in this Agreement or in any disclosure grants the Recipient any licence, title, interest or other right, express or implied, in or to any Confidential Information, intellectual property, trademark, trade name or other proprietary right of the Disclosing Party or its Affiliates, including the NEO AI, LILI, Mission Control, NEO Intelligence and WAVOPAY names and marks.

7 · No Reliance · No Representation

Confidential Information is provided "as is" for preliminary evaluation only. Neither the Disclosing Party nor any of its Affiliates, officers, employees or advisers makes any representation or warranty, express or implied, as to the accuracy, completeness or fitness of any Confidential Information, and none of them shall have any liability arising from the Recipient's use of, or reliance on, Confidential Information. Financial projections, scenarios, catalysts and multiples are internal working hypotheses only - not forecasts, guidance or promises. Only representations expressly set out in definitive transaction documentation, if any, shall have legal effect.

8 · No Offer · No Obligation to Proceed

This Agreement and the data room do not constitute an offer, solicitation or recommendation to buy or sell any security in any jurisdiction. Each party remains free to terminate discussions at any time, for any reason, without liability. Nothing herein obliges the Disclosing Party to provide any particular information, or either party to enter into any transaction. Any investment, if made, will be made exclusively pursuant to definitive documentation prepared by counsel.

9 · No Public Announcement

The Recipient shall not make, and shall procure that its Representatives do not make, any public announcement, social-media post or other communication concerning the existence or content of the data room, the proposed SAFE round, any contemplated transaction or the discussions between the parties, without the prior written consent of the Disclosing Party, except as strictly required by law.

10 · Non-Solicitation

For twelve (12) months from the date of this Agreement, the Recipient shall not, directly or indirectly, solicit for employment or engagement any employee, officer or key contractor of the Disclosing Party or its Affiliates with whom the Recipient came into contact, or of whom it became aware, through the Purpose. General public advertisements not targeted at such persons are not a breach of this Section.

11 · Compelled Disclosure

If the Recipient is required by law, regulation or a competent authority to disclose Confidential Information, it shall, to the extent legally permitted, give the Disclosing Party prompt written notice and reasonable cooperation so that the Disclosing Party may seek a protective order or other remedy, and shall disclose only that portion of the Confidential Information that is legally required to be disclosed.

12 · Return or Destruction

Upon the Disclosing Party's written request, or upon termination of the Recipient's access, the Recipient shall promptly cease all use of Confidential Information and return or permanently destroy all Confidential Information and derivative materials in its possession or control, and confirm such destruction in writing, save that the Recipient may retain copies strictly required by law or bona fide internal compliance policy, which remain subject to this Agreement for as long as they are retained.

13 · Term and Survival

This Agreement takes effect upon the Recipient's electronic execution and remains in force for five (5) years from that date. Obligations relating to Confidential Information that constitutes a trade secret survive for as long as such information remains a trade secret under applicable law. Sections 6, 7, 8, 14, 15 and 16 survive any expiry or termination.

14 · Equitable Remedies · Injunctive Relief

The Recipient acknowledges that unauthorized disclosure or use of Confidential Information may cause the Disclosing Party immediate and irreparable harm for which damages alone would be an inadequate remedy. The Disclosing Party is therefore entitled to seek injunctive relief, specific performance and any other equitable remedy in respect of any actual or threatened breach, in addition to all other rights and remedies available at law, without any requirement to post a bond. All rights and remedies are cumulative; no failure or delay in exercising any right constitutes a waiver of it.

15 · Liability · Reservation of Rights

Nothing in this Agreement excludes or limits liability for fraud. The Disclosing Party's aggregate liability to the Recipient arising out of or in connection with the data room or this Agreement shall, to the maximum extent permitted by applicable law, be excluded; this Agreement is entered into for the protection of the Disclosing Party and creates no financial obligations owed to the Recipient. The Disclosing Party reserves all rights not expressly set out herein, including the right to suspend or revoke data-room access at any time without notice or reason.

16 · General Provisions

(a) Entire agreement. This Agreement constitutes the entire agreement between the parties in respect of its subject matter and supersedes all prior discussions relating thereto. (b) Amendment. Any amendment must be in writing and executed by both parties. (c) Waiver. A waiver is effective only if in writing and applies only to the specific instance for which it is given. (d) Severability. If any provision is held invalid or unenforceable, it shall be enforced to the maximum extent permissible and the remainder shall remain in full force. (e) Assignment. The Recipient may not assign or transfer this Agreement or any rights hereunder without the prior written consent of the Disclosing Party; the Disclosing Party may assign this Agreement to an Affiliate or in connection with a corporate reorganisation or the contemplated transaction. (f) Counterparts. This Agreement may be executed in counterparts, including electronically, each of which constitutes an original and which together constitute one agreement. (g) Notices. Notices to the Recipient are validly given to the Recipient's verified email address stated above. (h) Data protection. Verification references, execution evidence and access logs are processed for compliance and audit purposes on a data-minimization basis, as described in the Privacy & Data Processing Notice available in the portal.

17 · Electronic Execution

This Agreement is executed electronically. The Recipient's electronic signature - comprising the verified identity, the typed confirmation of the verified name, the timestamped consent action and the associated technical evidence - is intended to constitute a valid, binding signature to the fullest extent permitted by applicable electronic-transactions law. The Recipient consents to receive all related communications electronically. A record of execution is maintained in the Investor Data Room and made available to the Recipient.

18 · Governing Law and Jurisdiction

This Agreement and any non-contractual obligations arising out of or in connection with it are governed by the laws of the United Arab Emirates as applicable in the Emirate of Dubai. The competent courts of Dubai, United Arab Emirates have exclusive jurisdiction over any dispute arising out of or in connection with this Agreement, without prejudice to the Disclosing Party's right to seek injunctive or other equitable relief in any court of competent jurisdiction.

19 · Signatures

The Disclosing Party: NEO TECH LABS TECHNOLOGY L.L.C., acting by its duly authorized signatory.

The Recipient: -, executing electronically through the verified-identity signature process of the Investor Data Room on the date stated above.

Execution record: Recipient - · Email - · Country - · Date - · Time - (UTC) · Verification reference established at identity verification · the signature record is maintained with the agreement in the Investor Data Room.

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Legal & notices

The legal framework of this portal.

English is the controlling language of every notice. These notices apply to all access to and use of the NEO AI Investor Data Room at dataroom.myneogroup.com.

NEO TECH LABS TECHNOLOGY L.L.C. · Licence 1320892 · DCCI 522892 · Iris Bay, Business Bay, Dubai, UAE · A subsidiary of My NEO Group · Contact available upon request.
These notices form part of the access framework of the Investor Data Room and are periodically updated; the version published in the Portal is the version in force.
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The round at a glance
Confirmed commercial terms
€5.0M
Target round size
€20M
Post-money cap · confirmed
20%
Discount
€100k
Minimum · pro-rata confirmed
Post-money SAFE · converts at the lower of cap price or event price −20% · targeted listing early 2027 (planned, not assured)
Notifications
◈
New document published
Sample - your live activity appears here
✉
Quarterly letter available
Sample - your live activity appears here
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NDA copy ready
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Latest documents
SAFE Investor Presentation
Deck · 41 pages
V17Final
Financial Projections & Listing Scenarios
Companion · 7 pages
V17Final
SAFE Term Sheet
Terms · 5 pages
V17Counsel
Where you are in the process
DECKone-pager MEETING+ FAQ NDA + DATA ROOMYOU ARE HERE TERMS + SAFEdefinitive docs · KYC FUNDS + KPIquarterly letters
◈Next step when you are ready: confirm terms with the team, receive the definitive SAFE prepared by counsel, complete KYC on the payment route and countersign.
!Read first. Every figure in this data room outside the confirmed commercial terms is an internal working hypothesis - not a forecast, target or guidance. A SAFE is illiquid, high-risk and can result in total loss. The targeted early-2027 listing is planned, not assured. The definitive documentation prepared by counsel prevails in all respects.
Investment overview · scenario analysis, not a promise

The SAFE Simulator.
See how the mechanics may work.

Model the asymmetry before the next institutional milestone: how the €20M post-money cap and the 20% discount may translate an entry today across multiple valuation outcomes. Every figure below is illustrative and simplified - never a forecast, never a promise.

Illustrative · capital at risk
!Read first. A SAFE is illiquid and can result in total loss. Final ownership at conversion depends on the priced-round valuation and share price, total capitalization, option-pool treatment, other convertible instruments, new-money dilution and the final transaction structure - none of which are known today. The results below are simplified, illustrative mechanics under stated assumptions. The targeted early-2027 listing is planned, not assured.
Your illustrative subscription
Simulation input range €100,000 - €5,000,000 (the full target round). The portal minimum investment is €100,000 per investor.
Confirmed terms · locked
Target round€5.0M
Post-money valuation cap€20M
Discount20%
Conversion rulelower of cap · event −20%
A finite allocation to a targeted €5.0M round - access limited to selected eligible investors.
Conversion scenarios · illustrative estimated ownership at conversion
Assumed dilution 0%
Simplified illustrative basis: conversion at the lower of the €20M cap and the assumed round valuation less 20%; ownership ≈ amount ÷ effective conversion valuation, then reduced by the assumed additional dilution. Actual mechanics follow the definitive documentation. If no trigger event ever occurs, the SAFE simply remains outstanding - assume the position may remain illiquid indefinitely, and total loss remains possible.
Conversion waterfall · selected scenario
Advanced assumptions
Refine the simplified model. Every field is a hypothesis you control - not information about the actual future capital structure.
Public-market illustration · two anonymized reference structures
Not a prediction

If the targeted public-market transaction completes - planned, not assured - the value of a converted position would depend on the listed vehicle's market valuation. The staircase multiple below is applied to the two anonymized European reference share structures from the projections (Reference A ≈€0.80 per share context, Reference B ≈€3.00). Companies are not named; neither is the target vehicle; comparisons are structural illustrations, not predictions. Share prices can also fall below any entry level, and liquidity may be limited.

Hypothetical multiple from listing reference 1.0×
The Year-5 base-case staircase hypothesis is ≈20× (range 14-23×) - tied to catalysts that may not occur. A multiple below 1× means a value below the listing reference. These mechanics must never be conflated with the SAFE conversion itself.
Corporate & group structure

One group. One operator.
One listed destination.

The corporate architecture behind NEO AI - who develops it, who issues the SAFE, and where the platform is intended to live after the contemplated public-market transaction.

Structure & funds flow
SAFE INVESTORSfund the round · €100,000 minimum per investor
MY NEO GROUP TRUST · BVI SAFE issuer - acting through its trustee or a designated BVI issuing vehicle exact legal issuer identified in the definitive documentation
NEO AI PLAN €5.0M target · use of proceeds platform · pilots · private model hosting · listing preparation
NEO TECH LABS TECHNOLOGY L.L.C. Dubai, UAE · develops & operates NEO AI subsidiary of My NEO Group · Licence 1320892 · DCCI 522892
MY NEO GROUP · PARENT multi-sector international group
SELECTED LISTED VEHICLE 100% intended transfer · planned, not completed vehicle not publicly identified
!The exact legal issuer, governing law, capacity and conversion treatment are finalized in the definitive documentation. The intended 100% transfer of NEO TECH LABS into a listed vehicle is planned, not completed.
Parent group

My NEO Group

International group and commercial parent. NEO AI is developed and operated within the group through its dedicated technology subsidiary.

Operating company

NEO TECH LABS

NEO TECH LABS TECHNOLOGY L.L.C., Dubai, UAE - Licence 1320892, Iris Bay, Business Bay. Develops and operates NEO AI. Never the SAFE issuer.

SAFE issuer

My NEO Group Trust · BVI

Acting through its trustee or a designated BVI issuing vehicle - the exact legal issuer is identified in the definitive documentation.

Official product hierarchy
NameRoleNever
NEO AIPlatform, commercial product and AI operating systema model vendor
LILIOfficial conversational AI agent and user-facing interface - the face of the platforma face, avatar or robot
Mission ControlCommand, governance, supervision and audit layera marketing dashboard
NEO IntelligenceInvestigation, OSINT, AML, blockchain-intelligence and risk-analysis vertical (roadmap)a database owner
The road ahead · long-term evolution
Roadmap · planned, not assured
Every stage beyond what is live today is a plan, not a promise - each carried by its own catalyst, subject to execution, market conditions and approvals. The targeted early-2027 public-market transaction is planned, not assured.
Platform architecture

One system.
Every model, commanded.

NEO AI owns the NEO Intelligence Operating System. External AI models are interchangeable resources inside it - every new frontier model makes the platform stronger.

The orchestration architecture
You ask LILI.one objective in plain language - LILI commands the operating system
THE NEO AI BRAIN · FULLY PROPRIETARY
TASK GRAPH
CAPABILITY ROUTER
MEMORY
KNOWLEDGE GRAPH
VALIDATION
COMPUTE GOVERNOR
EVENT BUS
GOVERNANCE
RUNTIME ADAPTER
CONNECTORS
INTERCHANGEABLE ENGINES · ROUTED PER TASK BY BENCHMARK, COST AND DATA POLICY
OPEN-WEIGHT MODELSlicensed · privately hosted (planned, Phase 2-3)substitutable
GPT-CLASSexternal workerrented
CLAUDE-CLASSexternal workerrented
GEMINI-CLASSexternal workerrented
SPECIALIZED MODELSvision · voice · coderented

Every new frontier model is simply a better worker for the Capability Router. The moat is the NEO Intelligence Operating System - and it is owned.

Token efficiency
TARGET 60-80%
fewer tokens per delivered outcome through decomposition, routing and caching - an objective, not a result
Execution
Parallel
independent branches of the Task Graph run simultaneously
Quality
Cross-checked
results validated across models before anything reaches you
Resilience
Model-agnostic
no dependence on any single external provider, by design
Deployment ladder
SaaSMulti-tenant platform - the fastest path to value.
Private / VPCDedicated, isolated cloud environment - policy-governed, SSO-integrated. TARGET · Capability Register deployment.vpc = S5, planned or exploratory.
On-premiseLicensed open-weight models hosted entirely inside the client's walls. TARGET · Capability Register deployment.onprem = S5, planned or exploratory.
SovereignNational-scale deployments - the Madagascar LOI/MoU pattern (technical-only scope).
Production deployment is being executed in phases.
Platform capabilities
Tools and Connectors
One-click integration of external services through the client's own accounts - payments, KYC, communication, data.
Prompt Intelligence Layer
User prompts are invisibly rewritten and optimized in real time - no prompt engineering required, ever.
Persistent Memory & Knowledge
Retrieval-augmented context: agents receive only the relevant slice of organizational knowledge, never the whole archive.
Governance by construction
Permissions, audit trails, validation gates and cost controls enforced by the operating system on every mission.
Selected capabilities are available in production, while additional capabilities are being progressively released following validation and quality assurance.
One platform · configured per industry

The verticals.
Thirteen doors into one system.

Every vertical is the same platform wearing a different configuration - shared memory, shared governance, shared economics. Open any vertical to see its purpose, market, model and evolution. Figures are Year-5 base-case working hypotheses from the financial projections - never forecasts.

10 revenue-modeled Upside · zero-counted Premium roadmap
◈Also counted at zero everywhere in the projections: the Data & Intelligence Monetization Studio, Remittance-as-a-Service and the entire unsigned pilot pipeline - pure upside optionality on top of the modeled base. Licences, credit decisions, investment decisions and regulatory responsibility remain with clients and their regulated partners in every vertical.
Command · governance · supervision · audit

Mission Control.
Watch the work happen.

The window into everything the platform executes - every agent, every task, every validation, truthfully mirrored from real orchestration events. Three modes: Cinematic, Operational, Audit / Replay.

Illustrative preview · the production console renders real events only
MISSION CONTROL · PREVIEW
NEO IOS RESEARCH · DONE BUILD · RUNNING TEST · RUNNING REVIEW · QUEUED PLAN · DONE DEPLOY · RUNNING ILLUSTRATIVE PREVIEW · THE PRODUCTION VIEW MIRRORS REAL EVENTS ONLY
Event stream · illustrative
This stream is fed exclusively by real orchestration events - never simulated activity.
Cinematic

The reveal view

The live constellation of agents working on your objective - built for the moment a client or investor first sees the platform operate.

Operational

The working view

Tasks, costs, models, validations and approvals - the daily operating console for teams running real missions.

Audit / Replay

The evidence view

Every mission replayable end-to-end: who asked, what ran, which model, what it cost, what was validated - the governance record.

The five self-building KPIs · reported quarterly to investors
Factory share
portion of NEO AI built by NEO AI itself
Human-touch rate
human interventions per shipped unit
Cycle time
objective to shipped, end to end
Benchmark delta
quality vs external baselines
Plus rollback rate. Live series appear on this page once published - values are never displayed until they are real.
The layer NEO AI owns end-to-end

The NEO Model Gateway
and Capability Router.

NEO AI does not own, has not trained and does not privately operate any foundation model. Every model is a third-party resource, admitted through one gateway and bound to each task by the Capability Router. That layer is proprietary, model-independent, and it is where the advantage accumulates.

Model Gateway
One contract
signed capability manifest · declared rate class · recorded evaluation · ratified admission
Capability Router
Per task
measured quality · cost · latency · context · data policy
Verification
Cross-checked
independent model families challenge critical output before delivery
Memory & Knowledge Graph
Outlives
what the models produced survives the models that produced it
Where NEO AI's numbers come from
attributed, or not shown

Public benchmark scores belong to the laboratories that produced them and are published by those laboratories in their own release material. NEO AI does not present any provider's published score as its own result, and no benchmark chart appears in this room under a NEO AI series label.

NEO AI's own measurement is different in kind: outcome quality, cost and cycle time on evaluated workloads — a fixed set of real customer task types, scored by Verification on delivered results, comparing NEO AI's routed and verified output against the strongest single model executing the same task alone.

◈HYPOTHESIS: system-level superiority on evaluated workloads — better delivered outcomes than any single model executing alone. Measurement programme defined; nothing measured yet; independent academic evaluation targeted from 2027.
The economics of routing
TARGET 5-7×
lower blended cost per task than single-frontier-model execution, measured on NEO AI's own evaluated workloads — an objective, not a result
Routed
the least expensive model that clears the quality bar, every task, every time

Cost is a routing input, not an outcome. When model prices fall anywhere in the market, NEO AI's margin improves without renegotiating anything: a company that owns one engine is exposed to the cost curve of that engine; a company that routes across all of them is long the whole curve.

What is owned vs supplied
Foundation modelsSUPPLIED · third-party · interchangeable
Model Gateway · admission, manifests, rate classes, residencyPROPRIETARY
Capability Router · per-task bindingPROPRIETARY
Private task-level evaluation recordPROPRIETARY
Task Graph · Memory · Knowledge Graph · Validation · GovernanceFULLY PROPRIETARY
"Owned" is reserved for the layer above the models. No model in this list is owned, trained or privately operated by NEO AI.
Three phases · one strategy
PHASE 1 · NOW Gateway and routing across supplied models every engine commanded, none owned PHASE 2 · PRIVATE HOSTING (PLANNED) Licensed open-weight models hosted on cloud GPU licensed from their providers · planned, not achieved PHASE 3 · DEDICATED CLUSTERS (PLANNED) Physical infrastructure & data centers sovereign-grade capacity · planned, not assured
◈Private hosting complements supplied models — it never replaces them, and it is planned, not achieved. The Capability Router keeps arbitrating per task by measured quality, cost, latency, context and data policy. On the roadmap, the Research & Academic Partnership Program opens controlled access for selected universities (2027).
Premium vertical · roadmap · counted at zero

NEO Intelligence.
Evidence, orchestrated.

The platform's thirteenth vertical: an investigation and intelligence layer designed to orchestrate specialized agents across lawful sources - and return evidence-backed, provenance-tracked reports under a human approval gate.

Zero revenue assumed in projections
The investigation workflow · designed architecture
ONE SENTENCE TO LILIlegal-perimeter check first - the mission starts only inside the lawful scope
FOUR SOURCE CATEGORIES
PUBLIC & OPENregistries · records · OSINT
COMMERCIAL APIslicensed data providers
ENTERPRISE DATABASESclient-licensed databases
CLIENT INTERNALthe client's own data
connector roadmap · subject to provider access and licensing
AGENT SWARM
SPECIALIZED AGENTSOSINT · blockchain & wallet · AML / sanctions screening · registries & UBO unwrapping · adverse media · cyber threat · document analysis
ENTITY RESOLUTIONconfidence scores · never certainty
HUMAN GATEreview & approval on high-impact conclusions
EVIDENCE-BACKED REPORTevidence graph · timelines · provenance preserved end-to-end · every conclusion click-through to the underlying source

Runs on the same operating system as every other vertical - a new industry for the price of a configuration.

A different layer than the incumbents

Data and analytics providers own databases and dashboards. NEO Intelligence is designed as the orchestration and reasoning layer above providers: it connects to lawful sources, resolves entities across them and reasons over the combined evidence.

NEO AI does not own or resell third-party databases and never presents their data as its own. Each integration is a connector on the roadmap - available subject to provider access and licensing.

Locked guardrails
· Lawful access only - under applicable law and contract
· Human review on high-impact conclusions
· Provenance preserved end-to-end
· Confidence scores never presented as certainty
· No law-enforcement powers · no final legal or sanctions determinations
· Regulated activities remain with authorized entities - always
One product · thirteen configurations

Thirteen verticals.
One system. One P&L.

NEO AI is one product configured per industry - never separate products. Every vertical strengthens the same operating system, and the operating system strengthens every vertical.

ONE BRAIN ONE P&L · COMPOUNDING ARR
Revenue-modeled verticals (10) Upside optionality · counted at zero NEO Intelligence · premium roadmap
Proof today

3 signed paid pilots

Hospitality & nightlife (~22 venues worldwide) · micro-credit (7 countries) · a family office running ~€2-3bn of annual FX/options volume. Pattern: €10,000 three-month pilot converting at the month-3 gate into €50,000-€200,000+ per year. Client names under NDA only.

Payments anchor

WAVOPAY · Swiss

Payments super-app at MVP stage, run by the same operating system - targeting 0.5% pricing on corridors averaging ~8%. Plan: ~90% transferred into the listed vehicle, contributing ~50% of its economics once live. Counted only after production.

Sovereign signal

Madagascar LOI/MoU

Signed at central-bank and government level - digitalization of ministries, national blockchain exploration, AI in public sectors. Strictly technical-only scope. Exploratory; counted at zero.

The revenue machine · six engines
Self-serve subscriptionsStarter → Pro → Business → Scale, plus credit consumption
Pilot-anchored contracts€10,000 pilots converting to €50,000-€200,000+ per year at the month-3 gate
Enterprise / PrivateVPC and on-premise deployments · ≈€125k → ≈€450k ACV — ILLUSTRATIVE, not a product line: the Capability Register classes deployment.vpc and deployment.onprem S5, planned or exploratory, and no willingness-to-pay evidence exists for any price point
NEO AI Exchangemarketplace take-rate on platform-built products
WAVOPAY shareNEO-attributable payments economics, post-production
NEO Intelligencepremium modular vertical · roadmap · counted at zero
Three compounding loops
MORE MISSIONS BETTER DATA SMARTER BRAIN LOWER COST DATA MARKETPLACE MODEL

Private task-level benchmarks improve with every completed mission - a data flywheel model licensing cannot copy.

Locked separation · technology company, not a regulated financial company

In every vertical, NEO AI delivers technology and workflow infrastructure only. Licences, credit decisions, investment decisions and regulatory responsibility remain with clients and their regulated partners - contractually. The same rule governs fintech, micro-credit, trading, payments and tokenization.

Working hypotheses - not forecasts

The financial
trajectory, bottom-up.

Modeled per vertical across ten of the thirteen verticals, in three scenarios. Upside options - travel, data monetization, RaaS, NEO Intelligence, unsigned pipeline - are deliberately counted at zero.

Hypotheses · not guidance
Y5 ARR · base
€155M
year-end ARR, Year 5 (hypothesis)
EBITDA breakeven
Year 3
SUPERSEDED · computed on the withdrawn 62% → 78% gross-margin path. No replacement year is published; on the maturation band Year 3 survives at the top, is inside rounding at the mid-point and fails at the bottom.
Y5 EBITDA margin
≈42%
SUPERSEDED · €50.2M EBITDA. No replacement figure is stated: the authority publishes a band, and restating a range as a point is the error that produced the withdrawn path.
Rule of 40 · Y5
≈138
Revenue-growth term ~96% is unaffected; the margin term is SUPERSEDED, so the sum is not restated as a number.
Base case · year-end ARR by vertical (€M)
VerticalY1Y2Y3Y4Y5
Software Factory + Company Builder1.304.5011.0022.0038.00
Sport & Wellness Studio0.251.504.5010.0018.00
Enterprise / Private0.251.203.508.0016.00
Trading & Treasury Studio0.251.203.307.5013.50
RWA Studio0.200.902.806.5012.50
Fintech Studio0.301.203.006.5012.00
WAVOPAY (NEO-attributable)0.150.802.506.0012.00
NEO AI Exchange0.050.401.705.0011.50
Hospitality & Nightlife Studio0.251.103.006.5011.00
Micro-Credit Studio0.201.002.706.0010.50
Total year-end ARR3.2013.838.084.0155.0
Consolidated P&L · base case (€M)
◈GROSS MARGIN RE-DERIVED. The 62% → 78% path published previously was carried by a model-ownership rationale that has been withdrawn. It is replaced below by two separately reported margins with published falsification conditions. The EBITDA and net-profit lines were computed on the withdrawn 62% → 78% path and are therefore SUPERSEDED pending re-derivation. They are shown struck through, and no replacement figure is stated here, because inventing one would repeat the original error.
€MY1Y2Y3Y4Y5
Recognised revenue1.608.5025.9061.0119.50
Platform gross margin % (ex pass-through)55-62% ILLUSTRATIVE62-68% TARGET68-74% TARGET
Blended gross margin % (incl. pass-through)54-60% ILLUSTRATIVE58-64% ILLUSTRATIVE59-66% ILLUSTRATIVE
Total opex-4.30-8.10-15.60-27.50-43.0
EBITDA superseded-3.31-2.323.0518.2050.20
Net profit superseded-3.61-2.921.6613.9040.10

Two margins are reported, always, and never one: the platform margin measures the system, the blended margin measures the business as it will appear in accounts. Nothing here is measured - no mission has been served, no cache has been hit, no margin has been earned. Every figure carries a published falsification condition; a driver that fails its condition is restated, not re-derived through a different mechanism. Human review minutes per accepted mission are reported alongside every margin figure: a margin improvement accompanied by a rise in review minutes is a transfer, not a gain.

Three scenarios · Year 5 (€M)
€71.3M
CONSERVATIVE
breakeven Y4 SUPERSEDED
€155M
BASE
breakeven Y3 SUPERSEDED
€271.2M
OPTIMISTIC
breakeven Y3 SUPERSEDED
Year-5 year-end ARR per scenario · equal analytical standing - the conservative case is a real case.
Unit economics · steady-state hypotheses
Blended self-serve ARPU€38 → €61/mo
Net revenue retention (Y2+)≥ 115%
CAC payback · self-serve< 6 months
LTV / CAC> 4×
Pilot → annual conversion≥ 60%
Revenue / employee · Y5≈ €610k · ~195 FTE
The first customer of NEO AI is NEO AI - headcount discipline is the product proof.
Sensitivities · impact on Y5 base ARR (€155M)
Self-serve NRR ±10 pts
∓€22M
Pilot conversion 60% → 40%
∓€15M
WAVOPAY slips 12 months
∓€10M
Inference costs fall slower
∓€8M
A slower inference-cost curve lands Y3 gross margin 4-6 points lower and pushes base breakeven from Y3 to Y4.
!All ARR, revenue, EBITDA, unit-economics, catalyst and share-price figures are internal working hypotheses for planning and equity-story construction - not forecasts, targets, guidance or profit estimates. Actual results will differ, possibly materially.
The SAFE round

Enter before the next
institutional valuation.

A post-money SAFE with conversion protection: €20M post-money cap and a 20% discount - ahead of the next priced round and the contemplated public-market transaction targeted for early 2027 (planned, not assured).

Commercial terms confirmed
Target round
€5.0M
the issuer may accept more or less
Valuation cap
€20M
post-money · confirmed · price protection, not a promised value
Discount
20%
applies where it beats the cap price
Minimum
€100k
per investor · pro-rata rights confirmed
How conversion works
YOU INVEST TODAY €100,000 minimum via SAFE no valuation negotiated now TRIGGER EVENT next priced round ≥ €1M or liquidity / listing event PRICE PROTECTION convert at the LOWER of €20M cap price · event price −20% whichever favours you SAFE CONVERTS INTO EQUITY immediately before the event
A · ROUND AT €40M

Cap governs (€20M): ≈2× the shares of a same-size new investor at that round.

B · ROUND AT €22M

€22M −20% = €17.6M < cap: discount governs - ≈1.25× the new-investor share count.

C · LISTING EVENT

Converts immediately prior at the lower of cap price or reference −20%.

Illustrative mechanics only - before dilution, restructuring, taxes, fees, FX effects and final transaction adjustments; actual share counts depend on the final capital structure and definitive terms.
The value staircase · working hypotheses - not a forecast
2.8-3.8×
Y1
pilots + MC
4.5-6.5×
Y2
WAVOPAY
7-10.5×
Y3
traction
10-15×
Y4
audited
14-23×
Y5
scale · 20× base
Each step is carried by its catalyst - a step without its catalyst is not assumed. Conservative case: €71M ARR / breakeven Y4. No appreciation or listing is guaranteed.
Use of proceeds · €5.0M target (hypothesis)
Platform & operating-system R&D
55% · €2.75M
Pilots → production & GTM
25% · €1.25M
Private model hosting & sovereign deployment
10% · €0.50M
G&A, legal & listing prep
10% · €0.50M
Payment routes
· EUR bank transfer - designated subscription or escrow account
· USDT - only after KYC/AML approval and wallet screening
· Swiss escrow - upon request; fees borne by the investor unless agreed otherwise
No wallet or bank details appear anywhere in the data room - official subscription instructions only, after approval and KYC.
Why value can expand - and why nothing is promised
Mechanics, not guarantees
1 · Milestones re-rate enterprise AI platforms
Markets have often assigned very different valuations to the same company at different proof stages: concept → signed pilots → converted commercial contracts → recurring ARR → profitability → public listing. Each stage removes risk, and profitable, fast-growing AI platforms have commanded premium revenue multiples. Historical patterns - never a guarantee that they repeat here.
2 · The SAFE positions you before those events
The SAFE is entered today, before the next priced round and before the contemplated public-market transaction. If later financings price higher, conversion mechanics - not promises - determine your entry.
3 · The cap is a contractual ceiling on your conversion price
Whatever valuation a trigger event sets, you convert as if the company were worth at most €20M post-money - a price-protection mechanism, not a promised company value.
4 · The discount protects the downside path
If the trigger event prices low, the 20% discount applies instead - you always convert at the lower of the two prices. Relative to investors entering at the event itself, both mechanisms are contractual advantages. None of this prevents loss: the valuation can decline, conversion may never trigger, and total loss remains possible.
Two anonymized reference structures

To make the multiple staircase tangible, it is mapped onto two anonymized reference share structures inspired by real companies listed on European exchanges (for example Paris and Milan) - Reference A trading around €0.80 per share, Reference B around €3.00. Neither is named; neither is the target vehicle; the comparison is structural only.

From listing referenceMultiple (hyp.)Ref A (€0.80)Ref B (€3.00)
End Year 12.8-3.8×€2.24-3.04€8.40-11.40
End Year 37.0-10.5×€5.60-8.40€21.00-31.50
End Year 5 range14.0-23.0×€11.20-18.40€42.00-69.00
Year-5 base case≈20×≈€16.00≈€60.00

A share price in isolation carries no meaning - identical company value produces a different price per share under a different share count. The multiple is the message; the per-share columns are illustration. Working hypotheses tied to the catalyst staircase - not price targets, not forecasts, not investment advice. Never conflate this staircase with SAFE conversion returns.

Rights & process
Pro-rata rightsconfirmed for every investor at the minimum
MFNlater, better SAFE terms can be elected
Information rightsquarterly letter: 5 KPIs, pilots, WAVOPAY, cash
Dissolutionpurchase amount ranks ahead of common equity
Transferissuer consent required, affiliates excepted
Governing law & forum (SAFE)BVI (provisional) · confirmed in the definitive documentation
Key risks - read first
· Total loss possible · illiquid instrument, no secondary market
· No guaranteed conversion event - the listing may not occur
· Valuation may decline; later rounds may price lower
· Dilution and transaction restructuring possible
· Technology, execution, regulatory and jurisdictional risks
· Exact legal issuer, governing law and conversion treatment are finalized in the definitive documentation

If no trigger event ever occurs, the SAFE simply remains outstanding - no interest, no maturity. Assume the position may remain illiquid indefinitely.

Document library

Every document.
Versioned. Confidential. Governed.

The complete SAFE round pack and the data room sections behind it. Every document is strictly confidential, versioned, and disclosed to you personally under your NDA.

◈Current editions. Every PDF in this library is a current edition. The library holds 49 documents - 7 documents in 7 languages (EN · FR · DE · ES · IT · JA · ZH) - built from the seven English masters the Founder approved under determination FDR-PC-12 on 2026-08-22 and bound to that approval by SHA-256, 7 of 7. Under determination FDR-PC-10, statements describing a NEO AI-owned, privately deployed or NEO-fine-tuned foundation model have been withdrawn, and none survives in this library: 0 occurrences in 0 of the 49 files, measured in all seven languages. Nothing superseded is served - 0 of the 49 document records is in a superseded state, each record carries the SHA-256, byte count and page count of the file you receive, and the 42 pre-correction editions are retained as a correction record outside every service path, reachable from no download, index or locale. This portal is a reading surface, not an instrument; it does not override a document you have downloaded. The definitive documentation prepared by counsel prevails in all respects.
Data room index · what a yes unlocks
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The questions every investor asks

Answered
before you ask.

Twenty-four questions, answered the way we answer them in the room. Summaries only - the definitive SAFE documentation prevails.

49 terms · plain language

Every term in this room,
without the jargon tax.

Each term in one sentence any investor can use - and why the concept matters for NEO AI. Definitions are simplified for accessibility; the definitive documentation prevails.

Investor relations

Updates &
quarterly letters.

NEO AI builds itself in public, weekly - and reports to investors quarterly: the five self-building KPIs, pilot conversions, WAVOPAY milestones and cash position. An unusually short trust loop for a pre-listing position.

Cadence
Quarterly
investor letter to every SAFE holder
Contents
5 KPIs
factory share · human-touch · cycle time · benchmark delta · rollback
Plus
Milestones
pilot conversions · WAVOPAY · cash position
Timeline
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Investor letters publish here

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August 2026
Data room opened · SAFE round pack V17 published

English edition frozen: Investor Deck (41 pp), One-Pager, Financial Projections & Listing Scenarios, SAFE Term Sheet, Investor FAQ, Data Room Index and Investor Lexicon.

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Direct answers first

Most questions are already answered in the room:

The process, end to end

1 · Deck & one-pager → 2 · Meeting + FAQ → 3 · NDA → data room access → 4 · Term confirmation → 5 · Definitive SAFE + KYC → 6 · Funds (approved route) & countersignature → quarterly KPI letters begin.