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Sky Athena isn’t just a company — it’s a compass for those bold enough to reimagine the future. We craft strategies that breathe, build systems that heal, and guide ventures where ambition meets purpose. In every project, we plant intelligence, nurture impact, and grow possibility. About UsContact Info
- 280 1064 Budapest, Izabella utca 68/B A. lház. Fsz. 5. ajtó / Hungary
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- info@skyathena.com
Sky Athena – NOMINA™
Project Overview
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A Human-Centered Digital Banking App for Freelancers, Creators, and Independent Workers.
NOMINA™ is a full-featured, digital-first financial platform designed for the new workforce: freelancers, consultants, gig workers, and digital creators.
While traditional banks serve salaried employees, NOMINA™ fills a rising global gap by offering a simple, intuitive app that provides:
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Smart income management
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Automated tax handling
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Intelligent savings tools
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Invoicing & real-time payment solutions
With NOMINA™, financial independence is no longer chaotic—it’s structured, safe, and optimized.
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Classic structure (account + payments + budgeting)—but entirely optimized for non-traditional workers
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Includes financial wellness plus daily business tools (like invoicing, recurring clients, reminders)
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Emotionally intuitive UX — removing fear, shame, or complexity from money management
Core Services
Full technical blueprint, financial model, operational strategy, and market feasibility studies available under NDA for serious investors.
- Multi-Currency Digital Account: Receive, hold, and spend in multiple currencies with low fees and instant conversions—ideal for global freelancers and remote workers.
- Instant Invoicing & Payment Links: Send branded invoices and receive payments via card, bank transfer, or crypto—all from the app, with tax automatically tracked.
- Smart Income Splitting: Automatically allocate income into categories (spending, tax, savings, retirement) based on pre-set rules. Users never “accidentally” spend their tax budget again.
- Dynamic Budget Coach:
An AI assistant offers real-time recommendations:
“You just crossed your average spend for the week. Pause or adjust your goal?”
- Community Features: Users can form or join “finance circles” with friends or colleagues to share goals, challenges, and encouragement—humanizing the financial journey.
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Target Audience
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Freelancers & gig workers
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Digital nomads and remote employees
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Online content creators (e.g. YouTubers, designers, coaches)
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Young professionals in emerging markets without access to tailored banking
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Business Model
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Freemium access
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Premium plan ($7–10/month): includes priority support, advanced analytics, crypto wallet integration
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B2B tools for agencies and marketplaces who manage large pools of freelancers
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FX & payment margin revenue + affiliate offers (insurance, courses, etc.)
Investment Scope
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Initial Capital: $150,000 – $200,000
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MVP development, core banking integrations (via BaaS partner), UI/UX build, beta launch
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Focus: MENA + Eastern Europe as underserved freelance regions
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Projected breakeven: 18–24 months
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Market size: Over 1.1B freelancers globally by 2030
Future Expansion
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Pension micro-contributions system
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Regional e-wallet partnerships
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Integration with freelance platforms (Fiverr, Upwork, Toptal, etc.)
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Government-level tax declaration API (for automated filing)