The eleventh month of this year at Probinex has been dedicated to preparations for a new era in the regulated world of cryptocurrencies. We’ve been working on new versions of the Earnio product, launched the premium version of StayKing, and prepared a modernization of our client portal for an even better user experience. 

What happened at Probinex in November? Find out in this regular newsletter, now also available on LinkedIn, making it easy to share updates with your network.  

Headnote by project co-founder Adam Neuberger 

The end of the year at Probinex is marked by exciting news and changes as we prepare for the upcoming MiCA regulation and our CASP license application. We are working intensively on security measures in compliance with the DORA regulation and developing products that meet market demands, ensure fair conditions for our clients, and maintain profitability. 

We are also addressing the distribution framework, which faces certain challenges due to MiCA requirements. Nevertheless, we already have several solutions on the table, and we are analyzing them to select the best option for the Probinex project. 

November brought the anticipated bull run, driving excellent results for Earnio. Open positions also hold the potential to deliver further gains in the coming months. 

I would also like to highlight our initial successes at the Greek MoneyShow, where we are receiving positive feedback and beginning to see the fruits of our efforts in this market. 

Next year promises to be dynamic and full of opportunities.

Join us for the ride! 

StayKing performance 

Following Donald Trump’s election win, cryptocurrencies experienced a significant rally. Bitcoin led the market, followed by ether, solana, and even older coins like stellar and litecoin.

Altcoins currently make up 25% of our portfolio. All positions are profitable, and adjusted stop-loss orders ensure we remain in the green. The market remains strong, so we’re holding our positions. Futures trading yielded solid results this month, while no spot trades were closed as the market didn’t dip low enough to trigger our limit orders. We’re patiently waiting for new opportunities. 

In November, we distributed 847,941 PBX tokens worth $65,291. 

A detailed market overview and portfolio performance analysis are available in the regular column by our trading frontman, Tomáš Hucík. 

Probinex on the verge of regulation 

The regulated world of cryptocurrencies is at our doorstep, and we are working tirelessly to enter this new era fully prepared and ahead of the competition. 

In November, we focused on updates and innovations under the umbrella initiative On the verge of regulation. Over the past month, we’ve made significant strides with four major developments. 

Earnio Horizon 3y: A new era begins 

After months of market analysis and client feedback, we’ve developed a new version of Earnio, designed as a robust investment tool within the regulated cryptocurrency landscape - Earnio Horizon 3y. 

As the name suggests, this is a three-year investment product offering fixed returns similar to Earnio Fix. 

What does Earnio Horizon 3y offer? 

• A three-year investment period 

• Fixed annual returns of 6–26% based on your StayKing Level 

• Annual payouts 

The three-year horizon and annual payouts enable more efficient management of allocated funds, maximizing the potential of digital assets. Earnio Horizon 3y will launch at the beginning of the new year. 

Updated StayKing level conditions 

As Probinex transitions into its next phase, we’re revising the conditions of our StayKing loyalty program to align with market opportunities. 

While the current conditions for achieving higher StayKing levels have been favorable, designed to reward early adopters, these terms will become stricter in the new year. Higher levels will require locking in a greater value of PBX tokens, strengthening PBX demand, which could positively impact its value. 

As a token of appreciation, we’re offering a chance to maintain or even increase your current StayKing level under the current terms. 

StayKing Premium Lite: an easy path to rewards

Alongside updates to Earnio, we focused on creating a premium version of our loyalty program, StayKing. With StayKing Premium Lite, you can now earn rewards of at least 6% annually. 

How does StayKing Premium Lite work? 

• Purchase PBX tokens through our internal exchange* 

• Lock PBX tokens worth $1,000 into StayKing and earn rewards of at least $5 monthly 

• The more tokens, the more rewards: Every $1,000 adds additional rewards 

*StayKing Premium Lite is available only for PBX tokens purchased through our internal exchange starting November 1, 2024. 

Updated StayKing level conditions 

With our move into a mass and regulated market, we’re not only developing new product variations but also modernizing our existing environment. 

The client portal at client.probinex.com is getting a complete design overhaul, focusing on: 

• A modern look with a clean, user-friendly design 

• Easier navigation: Key features and information will be more accessible 

• Device-friendly experience: Improved functionality on mobile phones and tablets 

The new design will be unveiled in just a few days! 

What’s cooking at Probinex 

In addition to the On the verge of regulation, we focused on other updates and evaluations in November. 

A look back at Earnio: two years of proven success

Earnio Fix has reached its cap, marking just one of many milestones achieved by our flagship product in under two years. 

Highlights: 

• Assets under management (AUM): Over 12.5 million USDC, with 10 million allocated to Earnio Fix. 

• Clients: 1,266 active users benefiting from our investment products. 

• Rewards paid out: Over 1.5 million USDC distributed in two years. 

• StayKing participation: 93% of Earnio clients use StayKing, with most reaching level 7 or higher, enabling attractive returns. 

New euro spot exchange

Probinex has launched an internal spot exchange for PBX tokens in euros, accessible through the client zone at client.probinex.com. This step aligns with our long-term goal of expanding in the European market under forthcoming crypto regulations.

You can find the exchange in the Buy/Deposit and Sell/Withdraw sections, and you can also use SEPA payments for purchases.

Reduced exchange limits in Earnio 

We’ve made Earnio’s services more accessible by lowering USDC purchase and sale limits: 

• Purchases: Now from 1,000 USDC 

• Sales: Starting at 500 USDC 

Try the exchange directly in your account at client.earnio.com in the Deposit/Buy or Withdraw/Sell section. 

Probinex in the world

Adam and Patrik Neuberger at the Money Matters event 

On November 18, the prestigious Money Matters event took place, featuring Probinex as one of the participants. The event focused on inspiring talks by successful investors and entrepreneurs and explored alternative investment strategies. 

Adam Neuberger delivered a talk on the Transformation of cryptocurrencies, discussing how crypto has evolved from an experimental technology into a serious investment tool and how regulations are reshaping its perception. 

Following this, Patrik led a workshop on Probinex and regulation-driven opportunities, showcasing how Probinex meets regulatory requirements while offering clients secure yet attractive investment options. 

Expanding in Greece: the Money Show in Thessaloniki 

Over the weekend of November 23–24, Probinex was presented to potential investors in Thessaloniki, Greece, with Patrik Neuberger representing the project. He held over 20 personal meetings with investors and business partners, who were impressed by Probinex’s transparency, current product offerings, and results. 

We’ll continue our expansion in Greece with a series of presentations running through June 2025. Stay tuned as we chart our journey across Greece. 

What is DORA, and is Probinex ready for it? 

The upcoming regulated environment isn’t solely about the MiCA regulation. For all financial entities in the EU, compliance with the DORA security framework is crucial. 

DORA (Digital Operational Resilience Act) sets requirements for cybersecurity and operational resilience in financial institutions, including crypto companies. Probinex is proactively preparing for this by implementing Fireblocks, undergoing training, and strengthening security measures to fully meet these requirements and ensure readiness for the new era of digital assets. 

Reminder: Migrating to the new Fireblocks wallet

We’ve successfully transitioned to Fireblocks technology, which enhances the security of your assets. 

What do you need to do? 

Simply log in to client.probinex.com and confirm the new wallet address in the pop-up window. 

What will change for me? 

Only your wallet address. Update it wherever it’s saved, such as exchanges or personal notes. 

If you haven’t yet, confirm your new wallet address today. Your security is our priority! 

That’s all for this month. Thank you for your attention and support.

We wish you a wonderful holiday season and a successful start to the new year. Please note that January’s newsletter will be sent in the second week of the month. 

Team Probinex