# Glossary - My NEO Group > The names and terms used on this site, each with one definition. 2026 edition, reviewed 9 October 2026. Canonical: https://reference.myneogroup.com/glossary/ This glossary defines the names of My NEO Group, of its companies and of its brands, the terms of NEO AI, the partners and organisations named by the Group, and the general terms of finance, payments and technology used on this site. Each term has one definition and a permanent address. ## My NEO Group, its companies and its brands The names of the Group, of its companies and of its brands, in alphabetical order. ### ARKAN CAPITAL ARKAN CAPITAL is a financial group active in fintech, private equity and asset management, founded by Dr Mickael Mosse. My NEO Group states CHF 3.3 billion of assets under management at ARKAN CAPITAL, across seven financial hubs. - Used on: [ARKAN CAPITAL](https://reference.myneogroup.com/entities/arkan-capital/) - https://reference.myneogroup.com/glossary/#arkan-capital ### Banca NEO Banca NEO is the business banking brand of My NEO Group: a digital banking platform with tailored solutions for companies. Regulated services are provided by licensed partners. - Used on: [Banca NEO](https://reference.myneogroup.com/entities/banca-neo/) - https://reference.myneogroup.com/glossary/#banca-neo ### Holding A holding is a company or a structure that holds other companies. My NEO Group is the holding of the Group, established in the British Virgin Islands (BVI). It is also an operating group: it builds its own products, runs them inside its own companies and then takes them to market. - Used on: [My NEO Group: identity and structure](https://reference.myneogroup.com/group/#model) - https://reference.myneogroup.com/glossary/#holding ### Mickael Mosse Family Office The Mickael Mosse Family Office is the private family office behind My NEO Group. It oversees strategic investments, governance and long-term value creation. - Used on: [Mickael Mosse Family Office](https://reference.myneogroup.com/entities/mickael-mosse-family-office/) - https://reference.myneogroup.com/glossary/#mickael-mosse-family-office ### My NEO Group My NEO Group is a Dubai-based international group founded in 2020 by Dr Mickael Mosse. It builds, runs and connects technology companies across artificial intelligence, banking, payments, private capital, real estate and hospitality. - Also called: the Group - Used on: [My NEO Group: identity and structure](https://reference.myneogroup.com/group/) - https://reference.myneogroup.com/glossary/#my-neo-group ### NEO AI NEO AI is the Intelligence Operating System of My NEO Group. One assistant, LILI, directs a team of AI agents from a single Mission Control. NEO AI is developed by NEO Labs and is in development. - Used on: [NEO AI](https://reference.myneogroup.com/entities/neo-ai/) - https://reference.myneogroup.com/glossary/#neo-ai ### NEO CAPITAL TRUST NEO CAPITAL TRUST is the structure that operates the banking, payments and private capital brands of My NEO Group: NEO ONE, Banca NEO, NEO PayTech Solutions and ARKAN CAPITAL. - Used on: [My NEO Group: identity and structure](https://reference.myneogroup.com/group/#structure) - https://reference.myneogroup.com/glossary/#neo-capital-trust ### NEO Family NEO Family is the IT and business consulting company of My NEO Group, from strategy to custom software. - Used on: [NEO Family](https://reference.myneogroup.com/entities/neo-family/) - https://reference.myneogroup.com/glossary/#neo-family ### NEO Labs NEO Labs is the research and engineering company of My NEO Group. It develops NEO AI and builds websites, mobile apps, AI agents and custom software for businesses. - Also called: NEO TECH LABS TECHNOLOGY L.L.C - Used on: [NEO Labs](https://reference.myneogroup.com/entities/neo-labs/) - https://reference.myneogroup.com/glossary/#neo-labs ### NEO ONE NEO ONE is an app that gives access to several Visa and Mastercard cards, topped up in traditional money or in crypto. The cards and the payment services are issued and provided by licensed partners. A physical NEO ONE hub opened in Hong Kong in March 2026. - Used on: [NEO ONE](https://reference.myneogroup.com/entities/neo-one/) - https://reference.myneogroup.com/glossary/#neo-one ### NEO ONE hub My NEO Group opened a physical NEO ONE hub in Hong Kong in March 2026. The Group states more than 10,000 sign-ups in the first 24 hours of the Hong Kong launch. - Used on: [NEO ONE](https://reference.myneogroup.com/entities/neo-one/#hub) - https://reference.myneogroup.com/glossary/#neo-one-hub ### NEO PASS NEO PASS is a brand of the banking and payments activities of My NEO Group. NEOPASS is listed among the start-ups in the pitching programme of the Asian Financial Forum 2026 in Hong Kong. - Also called: NEOPASS - Used on: [Companies and brands](https://reference.myneogroup.com/entities/#neo-pass) - https://reference.myneogroup.com/glossary/#neo-pass ### NEO PayTech Solutions NEO PayTech Solutions is the payment technology brand of My NEO Group for businesses with complex payment needs: payment intermediation, exchange between traditional money and digital assets, and online card acquiring. It was launched in December 2025. - Also called: NEO PayTech - Used on: [NEO PayTech Solutions](https://reference.myneogroup.com/entities/neo-paytech/) - https://reference.myneogroup.com/glossary/#neo-paytech ### NEO Real Estate Investment NEO Real Estate Investment is the real estate company of My NEO Group, active in luxury real estate investment and high-end construction in prime locations. - Used on: [NEO Real Estate Investment](https://reference.myneogroup.com/entities/neo-real-estate/) - https://reference.myneogroup.com/glossary/#neo-real-estate ### NREC NREC is the NEO Royal Executive Club, the private executive club of My NEO Group, which connects business, finance and diplomacy. It was launched in Dubai in March 2025, and NREC India was launched in Mumbai in August 2025. - Also called: NEO Royal Executive Club - Used on: [NREC](https://reference.myneogroup.com/entities/nrec/) - https://reference.myneogroup.com/glossary/#nrec ### NREC Incubator The NREC Incubator supports founders at the earliest stage with office space, mentorship, introductions to investors and partners, and business and operational support. Seed funding may be available in selected cases. The Business Accelerator Programme of NREC is for registered companies with a scalable business model. - Used on: [NREC](https://reference.myneogroup.com/entities/nrec/#incubator) - https://reference.myneogroup.com/glossary/#nrec-incubator ## Terms of NEO AI The words that NEO AI uses for its components and its settings, as defined on the public website of NEO AI. ### Approval policy The approval policy is the setting by which the user of NEO AI decides how much the system may do without asking. It has three levels: ASK ME, AUTO and AUTONOMOUS. - Used on: [NEO AI](https://reference.myneogroup.com/entities/neo-ai/#control) - https://reference.myneogroup.com/glossary/#approval-policy ### FINORA, FITORA, VITORA, LINGORA, INTELORA My NEO Group is building five mobile apps with NEO AI to show how it works in practice: FINORA for finance, FITORA for sport and nutrition, VITORA for health, LINGORA for languages and INTELORA for open-source intelligence. The five apps are proofs of concept, currently in testing, and are not yet public. - Used on: [NEO AI](https://reference.myneogroup.com/entities/neo-ai/#apps) - https://reference.myneogroup.com/glossary/#five-apps ### Global AI and Investor Roadshow 2026 The My NEO Group Global AI and Investor Roadshow 2026 is the series of presentations that My NEO Group launched in June 2026. It marked the international debut of NEO AI. - Used on: [Timeline](https://reference.myneogroup.com/timeline/#neo-ai-roadshow) - https://reference.myneogroup.com/glossary/#roadshow-2026 ### Human Gate A Human Gate is an action that always requires a human approval in NEO AI, whatever the approval policy, the profile or the mode. NEO AI lists four of them, among them publishing to a public domain and the release of a deployment. - Used on: [NEO AI](https://reference.myneogroup.com/entities/neo-ai/#control) - https://reference.myneogroup.com/glossary/#human-gate ### Intelligence Operating System Intelligence Operating System is the term that NEO AI uses for itself: a system designed to make AI models, autonomous agents, tools, data sources, memory and verification work as one coordinated system, instead of relying on a single model. - Used on: [NEO AI](https://reference.myneogroup.com/entities/neo-ai/#what) - https://reference.myneogroup.com/glossary/#intelligence-operating-system ### Intelligence Profile An Intelligence Profile sets how much intelligence a mission of NEO AI should mobilise. The user chooses a profile, not a model. NEO AI names five profiles: NEO AUTO, NEO PULSE, NEO PRIME, NEO AXIOM and NEO APEX. - Also called: NEO AUTO, NEO PULSE, NEO PRIME, NEO AXIOM, NEO APEX - Used on: [NEO AI](https://reference.myneogroup.com/entities/neo-ai/#modes) - https://reference.myneogroup.com/glossary/#intelligence-profile ### LILI LILI is the assistant of NEO AI, the one the user talks to. The user gives LILI one objective, in any language, and LILI turns it into a structured mission carried out by a team of AI agents. - Used on: [NEO AI](https://reference.myneogroup.com/entities/neo-ai/#what) - https://reference.myneogroup.com/glossary/#lili ### Mission In NEO AI, a mission is the unit of work: one objective stated by the user. A mission keeps one state, whatever the device or the view. - Used on: [NEO AI](https://reference.myneogroup.com/entities/neo-ai/#how) - https://reference.myneogroup.com/glossary/#mission ### Mission Control Mission Control is the command centre of NEO AI. It shows the progress of a mission, the evidence, the validations and the points where a human approval is required, in one view. - Used on: [NEO AI](https://reference.myneogroup.com/entities/neo-ai/#what) - https://reference.myneogroup.com/glossary/#mission-control ### Mode A mode is one of the three views of a mission in NEO AI: FOCUS, NORMAL and JARVIS. Changing mode changes what the user sees, never what NEO AI is doing. - Also called: FOCUS, NORMAL, JARVIS - Used on: [NEO AI](https://reference.myneogroup.com/entities/neo-ai/#modes) - https://reference.myneogroup.com/glossary/#mode ### Model-agnostic Model-agnostic means that a system does not depend on one AI model. NEO AI is designed to orchestrate leading AI models from third parties together with private models and specialist engines, and to choose the right one for each part of a mission. - Used on: [NEO AI](https://reference.myneogroup.com/entities/neo-ai/#models) - https://reference.myneogroup.com/glossary/#model-agnostic ### NEO Intelligence NEO Intelligence is the vertical for investigation and due diligence on public and licensed sources. NEO AI states that it is designed and specified, and not yet launched. - Used on: [NEO AI](https://reference.myneogroup.com/entities/neo-ai/#verticals) - https://reference.myneogroup.com/glossary/#neo-intelligence ### Vertical A vertical is a configuration of NEO AI for one industry. NEO AI names thirteen verticals. Each one reuses the same platform: orchestration, agents, memory, governance and verification. - Used on: [NEO AI](https://reference.myneogroup.com/entities/neo-ai/#verticals) - https://reference.myneogroup.com/glossary/#vertical ### x100 x100 is the name of the long-term research and development objective of NEO AI: to deliver more useful intelligence for each unit of compute. NEO AI presents x100 as an objective, not as a measured result. - Also called: NEO x100 - Used on: [NEO AI](https://reference.myneogroup.com/entities/neo-ai/#models) - https://reference.myneogroup.com/glossary/#x100 ## Partners and organisations named on this site Independent partners of My NEO Group and organisations named in its announcements. Each one operates under its own structure. ### Agency Investment Madagascar (AIM) Agency Investment Madagascar, or AIM, presents itself as the investment promotion authority mandated by the Presidency of the Republic of Madagascar. It lists My NEO Group among its strategic partners and Olivier Fousse among its founding directors. - Also called: AIM - Used on: [Olivier Fousse](https://reference.myneogroup.com/people/olivier-fousse/#dates) - https://reference.myneogroup.com/glossary/#aim ### GWA Global Web4.0 Alliance The GWA Global Web4.0 Alliance is an alliance that Dr Mickael Mosse unveiled in Hong Kong in April 2026. - Also called: GWA - Used on: [Timeline](https://reference.myneogroup.com/timeline/#gwa-alliance) - https://reference.myneogroup.com/glossary/#gwa ### HKTDC HKTDC is the Hong Kong Trade Development Council. My NEO Group is named 2026 Global Partner of its start-up programme, HKTDC Start-up Express International. - Also called: Hong Kong Trade Development Council - Used on: [Timeline](https://reference.myneogroup.com/timeline/#hktdc-global-partner) - https://reference.myneogroup.com/glossary/#hktdc ### Independent partner My NEO Group names four independent partners: the Salvaje Group in hospitality, Mt Pelerin, a Swiss gateway to buy, sell and exchange cryptocurrencies, Phinom, in private debt advisory and corporate finance, and Prophina, a Swiss asset manager. Each partner operates under its own structure and its own licences. - Used on: [Companies and brands](https://reference.myneogroup.com/entities/#partners) - https://reference.myneogroup.com/glossary/#independent-partner ### MIIF MIIF is the Monaco International Investment Forum. MIIF Dubai 2025 was its Middle East edition. - Also called: Monaco International Investment Forum - Used on: [Timeline](https://reference.myneogroup.com/timeline/#miif-dubai) - https://reference.myneogroup.com/glossary/#miif ### Mt Pelerin Mt Pelerin is an independent partner of My NEO Group: a Swiss gateway to buy, sell and exchange cryptocurrencies. Mt Pelerin Group SA, in Neuchâtel, is a Swiss financial intermediary and a member of SO-FIT. - Used on: [Companies and brands](https://reference.myneogroup.com/entities/#mt-pelerin) - https://reference.myneogroup.com/glossary/#mt-pelerin ### Phinom Phinom is an independent partner of My NEO Group, active in private debt advisory, corporate finance and bespoke lending. - Used on: [Companies and brands](https://reference.myneogroup.com/entities/#phinom) - https://reference.myneogroup.com/glossary/#phinom ### Prophina Prophina is an independent partner of My NEO Group: a Swiss asset manager specialised in FX options and investment strategies. Prophina AG, in Zurich, is a portfolio manager licensed by FINMA. - Used on: [Companies and brands](https://reference.myneogroup.com/entities/#prophina) - https://reference.myneogroup.com/glossary/#prophina ### Provider A provider is an established network or a specialist company used by Group companies or by their licensed partners, for example for cards, payments, identity verification or compliance. Naming a provider does not imply endorsement, ownership or an exclusive relationship. - Used on: [Companies and brands](https://reference.myneogroup.com/entities/#providers) - https://reference.myneogroup.com/glossary/#provider ### Salvaje Group The Salvaje Group is the hospitality partner of My NEO Group. It is an independent restaurant and nightlife group that operates under its own structure and its own brands, which include Salvaje, Arrogante and Amor. - Also called: Salvaje, Arrogante, Amor - Used on: [My NEO Group Reference](https://reference.myneogroup.com/#hospitality) - https://reference.myneogroup.com/glossary/#salvaje-group ## Finance, payments and technology terms General terms used on this site, defined in plain words. Each definition is followed by the page of this site where the term is used. ### AI agent An AI agent is a program that uses an AI model to carry out a task in several steps, with tools, towards a goal set by a user. - Used on: [NEO AI](https://reference.myneogroup.com/entities/neo-ai/#how) - https://reference.myneogroup.com/glossary/#ai-agent ### AI model An AI model is a program trained on data to perform tasks such as writing, reasoning or recognising images. - Used on: [NEO AI](https://reference.myneogroup.com/entities/neo-ai/#models) - https://reference.myneogroup.com/glossary/#ai-model ### Assets under management Assets under management, or AUM, is the total value of the assets that a firm manages. - Also called: AUM - Used on: [Key figures](https://reference.myneogroup.com/facts/#fig-003) - https://reference.myneogroup.com/glossary/#assets-under-management ### Card acquiring Card acquiring is the service that lets a merchant accept card payments. The acquirer receives the payment through the card network and settles it to the merchant. - Used on: [NEO PayTech Solutions](https://reference.myneogroup.com/entities/neo-paytech/#services) - https://reference.myneogroup.com/glossary/#card-acquiring ### Card issuing Card issuing is the provision of payment cards to users by an institution authorised by a card network such as Visa or Mastercard. The cards of NEO ONE are issued by licensed partners. - Used on: [NEO ONE](https://reference.myneogroup.com/entities/neo-one/#regulated) - https://reference.myneogroup.com/glossary/#card-issuing ### Commercial licence In the United Arab Emirates, a commercial licence is the authorisation to carry out a stated business activity. It is issued by the authority of an emirate or of a free zone. - Used on: [My NEO Group: identity and structure](https://reference.myneogroup.com/group/#structure) - https://reference.myneogroup.com/glossary/#commercial-licence ### Cryptocurrency A cryptocurrency is a digital asset used as a means of exchange and recorded on a blockchain. Bitcoin is a cryptocurrency. - Also called: crypto - Used on: [NEO ONE](https://reference.myneogroup.com/entities/neo-one/#services) - https://reference.myneogroup.com/glossary/#cryptocurrency ### Digital asset A digital asset is an asset that exists in digital form and is recorded on a blockchain or a similar ledger. Cryptocurrencies and stablecoins are digital assets. - Used on: [NEO PayTech Solutions](https://reference.myneogroup.com/entities/neo-paytech/#services) - https://reference.myneogroup.com/glossary/#digital-asset ### Due diligence Due diligence is the checking of a company or a person before a decision such as an investment or a partnership. - Used on: [NEO AI](https://reference.myneogroup.com/entities/neo-ai/#verticals) - https://reference.myneogroup.com/glossary/#due-diligence ### Edge computing Edge computing means running a computation on the device of the user instead of in a remote data centre. - Used on: [NEO AI](https://reference.myneogroup.com/entities/neo-ai/#models) - https://reference.myneogroup.com/glossary/#edge-computing ### Family office A family office is a private structure that manages the investments and the affairs of one family. - Used on: [Mickael Mosse Family Office](https://reference.myneogroup.com/entities/mickael-mosse-family-office/) - https://reference.myneogroup.com/glossary/#family-office ### Fintech Fintech, short for financial technology, means technology used to provide financial services, and the companies that build it. - Used on: [My NEO Group: identity and structure](https://reference.myneogroup.com/group/#sectors) - https://reference.myneogroup.com/glossary/#fintech ### Free zone In the United Arab Emirates, a free zone is an economic area with its own authority, which registers and licenses companies. RAK Economic Zone and Meydan Free Zone are free zones. - Used on: [My NEO Group: identity and structure](https://reference.myneogroup.com/group/#structure) - https://reference.myneogroup.com/glossary/#free-zone ### Licensed partner A licensed partner is a regulated institution that provides a regulated service, such as the issuing of a card, under its own licence. On this site, regulated financial services are provided by licensed partners, in the jurisdictions where they are authorised. - Used on: [My NEO Group: identity and structure](https://reference.myneogroup.com/group/#structure) - https://reference.myneogroup.com/glossary/#licensed-partner ### Open-source intelligence Open-source intelligence, or OSINT, is research based on publicly available information. - Also called: OSINT - Used on: [NEO AI](https://reference.myneogroup.com/entities/neo-ai/#apps) - https://reference.myneogroup.com/glossary/#open-source-intelligence ### Orchestration In artificial intelligence, orchestration is the coordination of several models, agents and tools so that they work together on one task. - Used on: [NEO AI](https://reference.myneogroup.com/entities/neo-ai/#how) - https://reference.myneogroup.com/glossary/#orchestration ### Pay-in and pay-out A pay-in is a payment collected from a customer. A pay-out is a payment sent to a supplier, a partner or a user. - Used on: [NEO PayTech Solutions](https://reference.myneogroup.com/entities/neo-paytech/#services) - https://reference.myneogroup.com/glossary/#pay-in-pay-out ### Payment rail A payment rail is a network over which money moves, for example a card network, a bank transfer system or a blockchain. - Used on: [Key figures](https://reference.myneogroup.com/facts/#fig-002) - https://reference.myneogroup.com/glossary/#payment-rail ### Private equity Private equity is investment in companies that are not listed on a stock exchange. - Used on: [ARKAN CAPITAL](https://reference.myneogroup.com/entities/arkan-capital/#strategies) - https://reference.myneogroup.com/glossary/#private-equity ### Proof of concept A proof of concept is an early version built to show that an idea works, before a public product. - Used on: [NEO AI](https://reference.myneogroup.com/entities/neo-ai/#apps) - https://reference.myneogroup.com/glossary/#proof-of-concept ### Real-world assets Real-world assets, or RWA, are physical or financial assets, such as property or bonds, represented by tokens on a blockchain. This representation is called tokenisation. - Also called: RWA, tokenisation - Used on: [NEO AI](https://reference.myneogroup.com/entities/neo-ai/#verticals) - https://reference.myneogroup.com/glossary/#real-world-assets ### Stablecoin A stablecoin is a crypto asset designed to keep a stable value against a reference, usually a currency such as the US dollar. - Used on: [NEO ONE](https://reference.myneogroup.com/entities/neo-one/#services) - https://reference.myneogroup.com/glossary/#stablecoin ### Top-up A top-up is the loading of money onto a card or an account before it is spent. - Used on: [NEO ONE](https://reference.myneogroup.com/entities/neo-one/#services) - https://reference.myneogroup.com/glossary/#top-up ### Traditional money On this site, traditional money means money issued by a state, such as the euro or the US dollar, as opposed to crypto assets. It is also called fiat money. - Also called: fiat money - Used on: [NEO ONE](https://reference.myneogroup.com/entities/neo-one/#services) - https://reference.myneogroup.com/glossary/#traditional-money ## Terms of this site The words this site uses to describe its own content. ### Brand On this site, a brand is a name under which the Group offers a product or a service. A brand is not a legal entity of its own. - Used on: [My NEO Group: identity and structure](https://reference.myneogroup.com/group/#structure) - https://reference.myneogroup.com/glossary/#brand ### Edition An edition is a full review of every page of this site, published on one date. Each page shows its edition and the date of that review. - Used on: [Editions](https://reference.myneogroup.com/editions/) - https://reference.myneogroup.com/glossary/#edition ### Fact identifier A fact identifier is the permanent code of a fact on this site, made of a prefix and a number, for example GRP-003. It is never given to another fact. - Used on: [About this site](https://reference.myneogroup.com/about/#ids) - https://reference.myneogroup.com/glossary/#fact-identifier ### Key figure A key figure is a figure published by My NEO Group, recorded on this site with its scope, its period and its source. - Used on: [Key figures](https://reference.myneogroup.com/facts/) - https://reference.myneogroup.com/glossary/#key-figure ### Legal entity A legal entity is a company registered with an authority under its own name. On this site, a licence is always attached to the legal entity that holds it. - Used on: [My NEO Group: identity and structure](https://reference.myneogroup.com/group/#structure) - https://reference.myneogroup.com/glossary/#legal-entity ### Milestone A milestone is a dated event recorded on the timeline of this site with its source. - Used on: [Timeline](https://reference.myneogroup.com/timeline/) - https://reference.myneogroup.com/glossary/#milestone ### Official source Official source is the label of a source published by My NEO Group or by one of its companies on its own website or official account. The other labels name the other kinds of publishers. - Used on: [About this site](https://reference.myneogroup.com/about/#labels) - https://reference.myneogroup.com/glossary/#official-source ### Permanent address A permanent address is the address of a fact, an answer or a milestone on this site. It is made of the address of the page followed by an identifier or a short name, and it does not change. - Used on: [About this site](https://reference.myneogroup.com/about/#ids) - https://reference.myneogroup.com/glossary/#permanent-address ### Reference profile A reference profile is the page of this site on a person: role, key dates, official accounts and sources. - Used on: [Leadership](https://reference.myneogroup.com/people/) - https://reference.myneogroup.com/glossary/#reference-profile ### Statement of the Group A statement of the Group is a figure or a claim published by My NEO Group about itself. On this site it is introduced by the words My NEO Group states. - Used on: [About this site](https://reference.myneogroup.com/about/#method) - https://reference.myneogroup.com/glossary/#statement-of-the-group