Skoutz,
1. I'm not jealous at all. I think the BTC banking and payments aspects of Neo is a great idea and I wish them the best of success. However the only aspect I take issue with is taking Euro deposits, holding them in Bitcoins and not telling the customer or the shareholders of the risks involved, or being clear that the customer does not benefit from the upside. I also think it is illegal from a financial institutions governance point of view and will be very surprised if their regulators, accountants and VC investors allow them to operate like this.
2. Regarding dividends, they do not have to be realised as cash to be paid out. Plenty of companies make profits that are declared but not necessarily received as cash and even borrow loans with which to pay dividends, provided they have sufficient declared profits.
Where in the prospectus does it say NEOBEE will withhold the information about the business model? The customer has a choice in having a BTC
or EUR denominated account. The customer is going to be offered a fixed interest rate on EUR denominated account so they will benefit from a BTC/EUR increase.
Go back and read the prospectus(hint:this is where the shareholders are informed of the business model).