Sebastian Salomon is the CGO and co-founder of oneBanking, a Malta-registered fintech constructing an all-in-one app that fuses on a regular basis banking, crypto, and an AI assistant designed to save lots of customers cash. A 31-year-old German serial entrepreneur, Sebastian began his first firm, an e-commerce sports-nutrition enterprise, straight out of his research in 2016, then co-founded a business-coaching enterprise that he says has labored with hundreds of founders and small firms, giving him a broad learn on the place expertise and cash are heading subsequent.
Why it is best to pay attention
Sebastian’s place to begin is a niche that European crypto customers will acknowledge. Within the wake of the EU’s MiCA regime, quite a lot of international platforms pulled again or reshaped their European choices, leaving Europeans with fewer clear, regulated methods to purchase, maintain, and money out of crypto. oneBanking pitches itself as a completely regulated bridge throughout that divide: a single app the place fiat and digital property sit facet by facet, the place conversions are supposed to be near-instant and low-cost, and the place customers can transfer cash out to self-custody, together with through a hardware-wallet integration with Switzerland’s Tangem. Layered on high is the undertaking’s personal oneToken, positioned because the engine of the ecosystem and partly funded by its neighborhood. The framing all through the dialog is that the outdated, app-by-app mannequin of non-public finance is about to be collapsed into one place.
The extra distinctive thought is what Sebastian means by AI banking. Relatively than bolting a chatbot onto a banking app, oneBanking is constructing what he describes as an AI assistant with the trimmings of an precise worker: its personal telephone quantity, e mail, and messaging accounts, hooked into your funds and into hundreds of comparability platforms comparable to Germany’s Examine24. The promise is that the assistant doesn’t simply flag that you simply’re overpaying; it acts, switching suppliers in your identify, searching reductions on insurance coverage, vitality, and cell plans, and even timing a flight reserving to a less expensive day. He argues the true payoff is on the enterprise facet, the place an AI combing by an organization’s stack can floor duplicate software program seats and overpriced contracts, then negotiate them down. He frames small month-to-month financial savings as genuinely life-changing for abnormal households, which is the emotional core of the pitch.
On timing, Sebastian says the app launches on the finish of June, rolling out in levels: IBAN accounts and playing cards first, then crypto and the AI assistant just a few weeks later, with EU passporting and a oneToken providing slated for later in the summertime, and a longer-term ambition to increase into sports activities and real-estate tokenization and nicely past Europe. The dialog closes with the recent take spherical, the place he crops his flag as a Bitcoin man who has broadened right into a wider portfolio by his Web3 work, predicts the legacy banking system will primarily disappear inside a decade as AI banking matures and regulation catches up, factors to his each day telephone calls with oneBanking’s personal AI as a glimpse of a future that’s already right here, and lands on Star Wars as his sci-fi choose.
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