Neverless vs Collect.

Founded by three former Revolut executives, Neverless is already trusted by more than 100,000 users and has processed over €10 billion in trading volume. Our mission is simple: making investing in high-return assets easier, cheaper and more secure. Neverless is regulated by the Bank of Latvia under MiFID II and MiCA. Here's a taste of what Neverless offers: Stocks and ETFs - 1,000+ US stocks, 400+ ETFs - No trading fees, no FX fees, best execution price - 24/7 trading on major stocks and ETFs, 24/5 on the rest - Up to 5x leverage, long or short - Deposit and trade in EUR, USD, USDC, USDT - Automatically earn dividends - Advanced orders, automated DCA, price alerts - No minimum or limits Gold and silver - No trading fees, no FX fees, best market prices - 24/7 trading - Up to 5x leverage, long or short - Deposit and trade in EUR, USD, USDC, USDT - Advanced orders, automated DCA, price alerts - No minimum or limits Crypto - 800+ cryptos - No trading fees except on illiquid coins, no FX fees, best market prices - 24/7 trading - Up to 5x leverage, long or short - Deposit and trade in EUR, USD, USDC, USDT - Advanced orders, automated DCA, price alerts - No minimum or limits Interest - You automatically earn 1.64% AER on EUR, 2.78% on USD, 3.04% on USDT, 2.42% on BTC, 3.56% on ETH, 4.08% on SOL - The interest is paid daily, with auto-compounding - No lock-up period, you can withdraw any time - No minimum or limits - For higher interest, you can earn up to 10% AER on USD with our Strategies account, powered by market-neutral strategies and still without any lock-up period Borrow - Borrow funds against your assets and withdraw them to your bank to unlock liquidity without having to sell your crypto - Instant access without credit checks, repay any time Bank-grade security - State-of-the-art encryption at the core of our platform - Auto-enrolled two-factor authentication for all sensitive operations - Biometric protection - Your data is never used or shared for anything else than regulatory purposes - Real human customer support, not bots - Regulated in the European Union

Collect helps savings groups organize contributions, review member balances, and keep credit-readiness records in one mobile workspace. Members create a contribution request, review the approved beneficiary, amount, and unique reference, then authorize a SEPA bank transfer in their banking app. Collect never asks for banking credentials and never initiates or signs a transfer. A contribution is recorded only after controlled bank evidence and the daily statement reconcile. Groups can track collections, member participation, bank-transfer evidence, exceptions, and account status without relying on scattered chat messages or paper notes. The app is designed for savings groups and administrators that need a clearer record of who contributed, what changed, and what still needs follow-up. Key capabilities: - Savings group overview and member activity tracking - Bank-transfer contribution and reconciliation review - Credit-readiness records for organized group review - Shareable group context for coordination - Account and privacy controls for members Collect is operated by IKANISA LTD for organized savings, contribution tracking, and credit-readiness recordkeeping. Collect is not a bank or wallet and does not provide credit or custody customer funds.