We are building a Fintech startup with the purpose to make investments spendable in everyday life and find a meeting point between centralized and decentralized finance. The first step of the roadmap is AFi (Aurea Finance) that will allow to create a bank account through which it will be possible to invest in fractional assets (eg. commodities and ETCs, stocks and ETFs, cryptocurrencies, and tokenized metals) and spend the invested funds instantly when needed with SEPA wire transfer, debit card, ATM withdrawals and P2P technology. At the same time there will be a feature that will permit to buy and send cryptocurrencies with an On/Off ramp solution into a hot wallet (decentralized wallet, eg. Metamask on the Ethereum network) through which will be possible to access all web 3.0 features (eg. NFT and Metaverse). The main advantage is given by the possibility of investing capital and therefore not keeping your liquidity blocked, but without taking away the possibility of spending the resources, if needed, while they are invested. At the same time, there is the possibility of entering the web 3.0 and exploring the possibilities offered by DeFi and this new technology, while keeping a foot in centralized finance and the benefit that come with it. Our competitive advantage is to give a unique tool, with a user friendly experience, which offers free and secure space with traditional banking solutions, the possibility to invest in any kind of asset while being able to use decentralized finance space tools. Our goal is to give an all-in-one service between the digital baking world and the decentralized finance space.As a second phase, Aurea Technology roadmap is based on the future perspective of a continuous escalation of new technologies. For this reason we plan to integrate an educational area, Aedu (Aurea education), which aim, will be to educate the client on how to fully exploit the opportunity of the Web 3.0 technology.