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NeoMutual reviewHola mis amigos!

I don’t get to read as much as I’d want to. There you have it, my full confession. What may seem like a paradox to you, since all I do is write about the pages of programs I’ve visited, is actually 100% true.

You need to understand that most of the websites I peruse do not provide the reader with some fancy reading material; it’s mostly the same stuff over and over again: we are the best, we care, our team of professionals this and that, we’re not like the others who cheat, etc. You get my point, amigos?

Which is why I so rarely get excited about some program’s blog or Facebook page or Twitter account, because – more often than not – they only just repeat the same slogans they used on their website. As you may have guessed, today’s protagonist is quite unusual. In a good way.


NEO Mutual is a company that, according to the website (domain created on January 18, 2013 and expires within 3 years), is “incorporated in the Republic of Panama” (the official address: Revolution Tower Calle 50 Panama City Republic of Panama). Not only do I like the name considering my almost-life-long Matrix obsession, but – as you may have already deduced – I genuinely enjoyed browsing through their well-prepared and designed website. The reason is quite simple: it’s a page that you can actually read. Filled with plenty of information on what they do, how they do it and what NEO Mutual is all about, but in a way that’s not overwhelming.

The content is truly informative without being dry as dust. I’d think that the copywriter responsible for the page content should give her/himself a pat on the back. The only thing that may be missing is some personal info about the creators, who seem to be on the “protect your identity” side of the forever-ongoing online privacy discussion. The user-friendly script provided by Shadow Script and the clean and clean-cut design make for a nice online experience (although I must admit that the homepage photo of “corporate looking” stern people started to make me feel uneasy after a while... But, I suppose, that’s something for my therapist to consider). How do I know who developed the script, you ask? Funny thing, you see, they simply added a neat little package of information called “Technicalities” from which you may also find out that the hosting is taken care of by BlockDDoS and that NEO Mutual implemented some SSL security (PositiveSSL certificate by Comodo valid from 4/6/2013 to 4/7/2015).

As far as the registration process is concerned, I should warn you that somehow it may seem daunting at first glance, it’s actually pretty standard. They do require, however, you full name and birth date. Obviously, there is only one account “per individual or corporation” and the “account creation” is being monitored.


OK, by now you must be saying: sure, nice page, nice content, yadda yadda, just go ahead and tell me what do they actually do?! Suspense over, amigos, NEO Mutual is “an innovator in the world of crowdfunding and bridge loans”. Still nothing? OK, let’s go back to the basics. Remember that thing that everybody has been talking about lately? No, I don’t mean North West, Kim and Kanye’s baby, put yourself together, people. Luckily, with the plethora of information and a separate section devoted to crowdfunding, NEO Mutual has got your back:

To quote the though through FAQ section, “As its name suggests, crowdfunding attracts a ‘crowd’ of people who each take a small stake in a business idea, making a financial contribution towards an online ‘pot’”. Clear now?


So, what does NEO Mutual do? As one may guess from the website, their business activity is three-fold:

1. “a unique model of crowdfunding that combines equity-based and debt-based crowdfunding [...] that allows us to pay very high compensation to our depositors – but for a limited time only (200 business days)”,

2. short-term bridge loans, “typically lasting from two weeks to three years while a business arranges longer-term financing”,

3. affiliate program, “We pay a affiliate commission equaling 5% of all amounts contributed and re-contributed by every referred person”.

I know you must be wondering who a “depositor” is: you ask and NEO Mutual provides, “a depositor is a person or company that contributes funds used by NEO Mutual for approved crowdfunding projects and/or commercial bridge loans”. Consequently, your options are the following: once registered, you can fund your NEO Mutual wallet (US Dollars only) using bitcoin, STP, EgoPay, PM, PexPay and invest from $20 to $50,000 as a regular member. The “plans” called Junior, Senior and Executive pay 1.4% (investments of $20-$499) or 1.6% ($500-$50,000) a day for 200 business days. “Executive” is a “Private Group Scheme. By invitation only” which pays 1.9% for 200 business days if you invest more than $250,000.

As you may have already calculated the total compensation ranges from 280% to 380%. What you should remember is that “your initial contribution is factored in the daily compensation credits” and that withdrawals may take up to 48 during weekdays hours because they are processed only once a day (“16:00 hours (GMT)”). However, if you request a withdrawal before that time, “you should be paid on the same day”. Withdrawals start at $2 and can go as high as you want.


Another important thing to note is the “crowdfunding candidate” profile. As NEO Mutual makes clear,

“clients could be artists, game developers or any other type of entrepreneur. Anyone, in fact, with an outstanding business idea who needs quick funding and an instant network”.

Bear in mind, however, that for legal reason – since Securities and Exchange Commission have not signed off on crowdfunding in the US – NEO Mutual cannot “grant crowdfunding to US-based ventures”, and can only provide them with bridge loans.


You may have noticed that most of one’s hypothetical questions can be answered with a quote from NEO Mutual. See? I told you it’s a page to read. But how can one contact NEO Mutual if he/she is just a ticking bomb of questions? First of all, be sure to avoid contact with fire, and then you have the option of using the well-prepared and well-maintained Facebook (over 350 “likes”) and Twitter accounts.

In addition to that, NEO Mutual even developed a regularly updated blog via which they announce the news, so you can always try to seek for answers there. If you don’t feel like using the social media, you may also contact NEO Mutual using the old school ways of communicating, that is a contact form or e-mail (



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