Holding · Melusina OS · Sovereign Fintech & Regtech

Building the operating layer for next‑generation business

Melusina OS, financial services, and legal infrastructure work as one secure system for regulated companies, issuers, and digital markets. One harbour instead of dozens of fragmented services and jurisdictions.

Melusina OS 15+ Apps Issuance & Brokerage Payments & Settlement Multi-Jurisdiction Licenses
Republic of the Marshall Islands · Est. 2023

01 · Our ThesisFive forces are changing the rules right now

HRBR (harbour). We are building a secure harbour where artificial intelligence, digital sovereignty, digital governance, blockchain, and compliance operate as a single system, not as five separate problems.

Artificial Intelligence

Accelerates workflows but demands control over data, access rights, and decision-making.

Digital Sovereignty

Control over data, its jurisdiction, encryption, and infrastructure, including protection against physical access, is no longer optional but a geopolitical necessity.

Digital Governance

Organizations whose rules, rights, and decisions operate digitally, with provenance verifiable on-chain, are becoming the legal and business norm, not the exception.

Blockchain as Neutral Arbiter

An independent public layer for verifying actions, confirming authenticity, and ensuring cryptographic security is becoming a requirement from clients and partners.

Compliance & Regulatory Pressure

Regulatory compliance, process transparency, and proper data management. Without a dedicated IT department, external dependence is the only option.

The Problem

Most companies are not ready. Their infrastructure is cobbled together from third-party services and cloud providers:

  • Nobody understands who has access to what and for how long
  • Data is scattered across dozens of services and jurisdictions
  • AI is built on top of third-party infrastructure with uncontrollable risks
  • Integrations are fragile and expensive
  • Systems are not ready for blockchain and digital governance

The market needs not another app, but a single harbour: a new operating layer.

What HRBR.LIFE Does

01

Building the essential technology

Creating a unified foundation: data, accounts, security, AI, blockchain integration, and business applications in one system — Melusina OS.

02

Launching our own financial companies

Deploying the platform within the group to maximize adoption and rapidly improve through real-world usage.

03

Bringing the technology to market

Cloud-based SaaS and white-label solutions increase revenue, market reach, and brand recognition.

02 · Melusina OS

The harbour infrastructure: Melusina OS

The Luxembourg legend of Melusine: she agreed to stay with Count Siegfried on one condition — that her right to privacy remain inviolable. The promise was broken, and Melusine vanished forever. Trust exists only where boundaries are respected and privacy is provably protected.

Melusina OS
MELUSINA
Sovereign Web3 Superapp OS

A sovereign operating system where each document, chat, or process resides in its own Pearl — an isolated environment with multi-layer encryption. Data, access rights, AI, communications, processes, and blockchain in one product.

Run everything in-house

Deployment on your own hardware or in the cloud with full isolation. Collaborative office suite, encrypted calls, AI orchestration, compliance, payments, accounting, DAO governance, Git hosting. 15+ apps with zero external dependencies.

Hyper-protect everything

From physical hardware to every release and backup — everything is cryptographically linked and verified through Solana. Critical operations require quorum authorization. Exceeds SOC 2, ISO 27001, HIPAA, GDPR, PCI DSS.

Encrypt & isolate every document

Each document is a separate Pearl: an isolated Linux environment with multi-layer encryption, its own users, rules, and access levels. API and communication strictly with owner permission.

Make hackers' lives very difficult

Access via one-time subdomain after authorization, existing only for the session. Even if a specific app is vulnerable, the attack surface is limited to one Pearl for one session.

Authenticate however you prefer

Crypto wallets (Solana, Ethereum, TON, Tron), email, GitHub, Telegram, WhatsApp, Messenger, LDAP, SAML, OpenID. Multiple wallets and methods per account.

Let people work together

Owners, managers, employees, partners, and clients can all work in one place with interface and functionality optimized for each role through admin configuration.

Integrate any app with blockchain

Solana, TON, Tron, and Ethereum operations can be embedded in any application in just a few lines. The cryptographic chain OS → application → user makes provable information transfer seamless.

Independent from App Stores

Any white-label operator can package their Melusina-based business into a native iOS or Android app. Melusina is PWA-compatible — free from App Store gating and excessive transaction fees.

03 · Core & Additional Apps

Everything needed for work today. And everything that will be needed later.

Bureau

Office Suite / Bureau

Documents, spreadsheets, diagrams, graphic editor. Collaboration, version history, AI integration.

AiLagoon

AiLagoon

Orchestration of local and external AI models, OCR, and MCP capabilities.

MerMail

MerMail

Mail server, mailboxes, OTP, notifications, and mail-based actions.

BotMother

BotMother

No-code bot builder and dispatcher for Telegram, messengers, and WhatsApp with AI.

MiniGit

MiniGit

Git hosting, version control, and static site publishing.

Vintage

Vintage

Remote full desktops (disposable or persistent) through the browser.

TeleScreen

TeleScreen

Sanctions, reputation, KYC/KYB, OSINT, and blockchain analysis with AI.

CrateLink

CrateLink

Secure links for transferring multiple files with end-to-end encryption.

TelePort

TelePort

Encrypted chat, video, and audio communications for teams, clients, and partners.

NamedCoin

NamedCoin

Solana-based identity and digital signatures for verifiable actions.

ClientSpace

ClientSpace

Client portal and external application builder.

CyberTeller

CyberTeller

Accounts and payment processing in fiat and cryptocurrencies.

DueProcess

DueProcess

Visual builder and management of business processes (pipelines), approval workflows, queues, roles and access rules, AI integration.

Consilium

Consilium

Deployment and management of DAO structures and digital corporate governance.

CashSurge

CashSurge

IFRS- and crypto-compatible financial accounting and treasury module.

Each app is a separate Pearl inside the harbour: isolated, encrypted, protected by Melusina OS. Any Linux or web application can be ported to the platform in a matter of days.

04 · The PortfolioFive services, one harbour. A client of one = a client of all.

Each service reinforces the others: structures become issuers, products reach the marketplace, settlements close within the group. NamedCoin: a pass into the harbour, a verified NFT identity that replaces repeated verification. Reduces acquisition cost for each subsequent product to zero.

◆ ENTRY
🇻🇨 🇲🇭 🇺🇸 🇱🇺

InstaTrust.app

Instant entity formation: Marshall Islands LLC/DAO, Wyoming DAO LLC, Montana DAO LLC, trusts in Saint Vincent & Grenadines. Managed through Melusina OS. Instant integration with CCA.sh (payments) and AiTX.pro (brokerage/investments).

Approval in Principle · FSA SVG
→ Sails.to: ready-made issuer
→ CCA.sh: payments · AiTX.pro: brokerage
◆ ENTRY
🇻🇨 🇲🇭 🇺🇸 🇱🇺 🇨🇭 🇲🇺 🇵🇦 🇵🇬 🇮🇸 +++
🐚
pBay.app Managed SaaS

Sovereign workspace: full office, encrypted chat and calls, email, AI tools, process management, payments, Git, remote desktops. 15+ Melusina OS apps in encrypted Pearls. Choice of jurisdiction (ch.pbay.app = Switzerland, pa.pbay.app = Panama). Free entry → Series LLC → NamedCoin → full access.

→ free entry → verification → full group stack
◆ ENTRY
🇺🇸 🇲🇭 🇲🇺 🇸🇻
Sails.to
Sails.to Raise your sails
CrossSecurities: bridging on-chain and Clearstream / ISIN

Securities issuance (US REG. S/REG. D, RMI DAO LLC) and placement: STO/RWA token (Solana) + banking format (Clearstream/ISIN). No upfront payment by issuer until a set minimum fundraising threshold is reached.

$0 upfront· up to 6% success fee· 1%/year management
← InstaTrust: entities ready for issuance immediately
→ AiTX + CCA + WL: marketplace and settlement
◆ ENTRY
🇲🇺 🇦🇺 🇪🇺

AiTX.pro

Licensed Full Service Investment Dealer (broker/manager): OTC, CFD, portfolios, algo-trading. Primary distributor of Sails.to products. Broker network with shared OTC order book and liquidity.

FSC Mauritius · conditional license 2024
→ Sails.to: licensing umbrella
← Sails.to: products · → CCA: settlement
◆ ENTRY
🇺🇸 🇨🇦 🇳🇿 🇧🇦 🇪🇺

CCA.sh

Payments, crypto conversion, dividends, buybacks. Settlement layer for AiTX deals and Sails.to issuances. All fiat and crypto flows of the group.

FinCEN / Montana MSB (USA) FINTRAC / Bank of Canada · in progress FSPR (NZ) · AUSTRAC (AU) · MiCA (BG)
→ AiTX: deal settlement
→ Sails.to: issuance settlement
Melusina
MELUSINA OS Sovereign Web3 Superapp OS
All services run on the unified Melusina OS codebase · 15+ apps ⛓ Complete trail and proof of every critical action cryptographically recorded on blockchain

InstaKYC.app

ID LAYER

Free regulated verification provider: KYC/KYB, sanctions, biometrics, OSINT. Upon successful verification, issues a NamedCoin NFT on Solana — a portable verified identity. All regulated services in the group also issue NamedCoin: one token unlocks access to the entire ecosystem.

→ verify once, use everywhere

White-Label · two tiers

WE OPERATE Partner brings the client base, we handle operations, compliance, and technology. No license required to enter.
CLIENT OPERATES Fintech entrepreneur launches their own harbour on the Melusina stack. Full control, modern infrastructure.
→ NamedCoin + group products work across all WL

Ticket growth: from payment to issuance

pBAY Workspace → Series LLC → NamedCoin
BASIC Payments ⇔ Brokerage. Sails.to products
GROWTH InstaTrust → company/trust → accounts
FULL Own issuance → listing → ongoing corporate actions
Melusina-OS.org The open-source foundation. All products above run on this codebase.
FreeCo.app Authorised representative of RMI Registries Inc. and MIDAO. Instant creation of Series LLCs and DAOs.

05 · The TeamExperience and connections that make this possible

Alexei Karpov

Founder, CEO, Chief Architect of Melusina · Luxembourg / Mauritius

Since 2008 in trust and private banking across Luxembourg, Liechtenstein, and Mauritius: GMS+ Family Office, Bendura Private Bank, JurisTax. Authorized agent of the Marshall Islands Corporate Registry. Over 25 years combining web development, information security, and financial architecture; crypto investor since 2011.

Vladislav Mosolkov

CTO, FSC Authorized Director · Mauritius

MSc, Bauman Moscow State Technical University. 16+ years at the intersection of regulated financial infrastructure and blockchain: Senior QA Engineer at Deutsche Bank (market data), QA Lead at Phorm Inc (6 years), trading and risk system automation at Oilspace. After his corporate career, designed autonomous crypto trading bots on DEX.

Lorinc J. Nyitrai

Head of Growth, FSC Authorized Director · Mauritius

Data scientist who has worked inside 10+ of the world's largest financial and technology companies: UBS, Credit Suisse, Google, Cembra Money Bank, Ericsson, TSB Bank NZ.

Rudi van der Lugt

CFO, Head of Securities, Compliance, FSC Authorized Director, CFA · Luxembourg

25+ years in top-tier securities, derivatives, and treasury: Nomura Bank Luxembourg (6 years, fund administration, securities lending), ABN AMRO (licensed derivatives specialist), Theodoor Gilissen (risk and compliance), Adepa AM (CSSF, PE/RE valuation), State Street/IFDS, VTG AG. CFA Charterholder.

Mikhail Bautin

Advisor · AIFC License · Kazakhstan

Attorney, licensed at the “Astana” IFC. Partner at DRC Group / Digital Rights Center Qazaqstan, formerly represented Roskomsvoboda, a leading digital rights organization. Responsible for the group's product legal architecture and regulatory resilience in sensitive jurisdictions.

Jean-Luc Jourdan

Advisor, Board Member · Expert Accountant · Luxembourg

Traded on the Bourse de Luxembourg floor on behalf of BGL, headed the securities division at Banque de Luxembourg. Co-founder of CIM Bank Geneva (FINMA authorized) and GMS+ Family Office. Licensed accountant and court-appointed expert in economic matters.

Daniil Savitskii

Advisor · S&K Legal OÜ · Estonia

Member of the Tallinn Bar Association and the UEFA Legal Committee. Specializes in blockchain and fintech regulation: structuring tokenized instruments, multi-jurisdictional licensing, cross-border regulatory matters.

Institutional InfrastructureAdvisors and partners

Baker Tilly

Auditor for AiTX.pro (Mauritius).

JurisTax Ltd

Administration and compliance (Mauritius). ISO 9001 / ISO 27001. FSC Mauritius, Dubai IFC, RAK. Compliance Officers AiTX.pro.

S&K Legal OÜ

Legal counsel and cross-border structuring (Estonia).

DRC Group / Digital Rights Center Qazaqstan

Legal and regulatory expertise for the group in sensitive digital and cross-border jurisdictions.

06 · Roadmap10 years of heritage. 3 years of AI-First development. What’s next.

2014 – 2017
Sandstorm.io
A team from Google Apps creates a platform of isolated containers. The project concludes, the team moves to Cloudflare, and the technology becomes the foundation of Cloudflare Workers.
✓ Open Source
2017 – 2023
Melusina OS
Active participation in open-source community. Development of a proprietary product: Pearl architecture, encryption, CI/CD. Deployment and operation within 6 regulated companies.
✓ Completed
2023 – Q1 2026
New Era
Web3 (Solana, crypto integrations), end-to-end encryption, AI in the core, multisig operations. 15 new apps. First conditional license (FSC Mauritius) and preliminary approval (FSA SVG).
✓ Completed
Q2 – Q3 2026
License Activation & Certification
2 licenses to activate. 3 financial registrations. Smart contract audit. Certification: SOC 2 Type I, ISO 27001, SAQ PCI DSS, CSA STAR 1 AI.
In Progress

07 · Why It WorksEvery venture strengthens the others

A business formed on FreeCo issues securities through Sails.to, pays dividends via CCA.sh, verifies investors with KYC.lat, holds assets in an InstaTrust trust, and runs operations on Melusina OS. No outside vendor needed.

Recurring Revenue

Melusina OS and pBay.app generate subscription and usage-based revenue from every company that adopts them.

Transaction Revenue

Sails.to and CCA.sh earn fees on every securities issuance, trade, dividend, and corporate action.

Natural Cross-Selling

A client of one venture naturally needs the others — formation leads to issuance leads to corporate actions leads to compliance.

No Vendor Risk

The group does not depend on Amazon, Google, Microsoft, or any third-party software provider for critical operations.

Permanent Records

Every important action is recorded on the Solana blockchain — a tamper-proof public ledger that anyone can verify independently.

First-Mover Portfolio

Our own companies demonstrate the model works, serving as guiding lights for the industries they operate in.