Karsten Wenzlaff, Advisor
August 26th, 2025
Karsten Wenzlaff is a Crowdfunding and Fintech Expert from Germany. He is Secretary-General of Digit[...]
Category Archives: Research
Wharton: The Opportunities and Dangers of Decentralizing Finance
Wharton | Jun 10, 2021
Decentralized Finance — or DeFi — has experienced explosive growth in the past year. But in order for DeFi to fulfill its promise as a disintermediated ecosystem that helps rather than harms, “now is the time to evaluate its benefits and dangers,” write Wharton legal studies and business ethics professor Kevin Werbach and David Gogel, a recent Wharton MBA graduate, in the article that follows. Werbach is author of the book The Blockchain and the New Architecture of Trust and leads Wharton’s Blockchain and Digital Asset Project. Werbach and Gogel recently collaborated with the World Economic Forum to create the Decentralized Finance (DeFi) Policy-Maker Toolkit, providing guidance to regulators and blockchain watchers everywhere.
Intermediaries have always played essential roles within financial markets, facilitating trust, liquidity, settlement, and security. Yet these benefits come with costs. Intermediation contributes to slow settlement cycles, inefficient price discovery, and limitations on market access. Financial services markets tend to be highly concentrated, with a few powerful intermediaries exercising significant control and extracting substantial rents. Since the 2008 Global Financial Crisis, there has been increased attention on structural inequalities and hidden risks of the financial system. Recent controversies such as the GameStop short squeeze, in which retail investors were blocked from trading during a period of volatility, also cast a spotlight on the shortcomings of legacy financial infrastructure.
See:
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Goldman Sachs Files Defi ETF Application
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Inside Jack Dorsey’s Next Big Bet on Bitcoin, DeFi
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WEF: Decentralized Finance: (DeFi) Policy-Maker Toolkit
Until now, however, intermediation was a necessary feature of finance. Even peer-to-peer fintech lending platforms such as Prosper and cryptocurrency exchanges such as Coinbase retain an important central role. This is the environment in which Decentralized Finance (DeFi) has emerged.
DeFi is a developing area at the intersection of blockchain, digital assets, and financial services. DeFi protocols seek to disintermediate finance through both familiar and new service arrangements. They use stable-value cryptocurrencies known as stablecoins as assets, blockchain ledgers for settlement, and software-based smart contracts to execute transactions automatically.
The market experienced explosive growth beginning in 2020. According to tracking service DeFi Pulse, the value of digital assets locked into DeFi services grew from less than $1 billion in 2019 to over $15 billion at the end of 2020, and over $80 billion in May 2021. Novel business models such as yield farming — in which holders of cryptocurrencies earn rewards for providing capital to various services — and aggregation to optimize trading across exchanges in real-time are springing up rapidly. Innovations such as flash loans, which are either repaid or automatically unwound during the course of a transaction, open up both new forms of liquidity and unfamiliar risks.
Despite its scale and potential significance, DeFi is still early in its maturation. Now is the time to evaluate its benefits and dangers. As with everything in the cryptocurrency world, hype around DeFi is sometimes out of control. Extraordinary — and unsustainable — short-term returns warped investor expectations and attracted bad actors as well as innovative builders. Most DeFi activity is still speculative and conducted by relatively sophisticated cryptocurrency holders. As mainstream usage grows, risks and regulatory considerations will loom increasingly large.
“DeFi will ultimately succeed or fail based on whether it can fulfill its promise of financial services that are open, trust-minimized, and non-custodial, yet still trustworthy.”
See:
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Child’s play: Gajesh Naik, 13, manages a fortune in DeFi
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InsurAce Founder at DeFi Insurance Protocol Explains the Difference between Traditional and Decentralized Insurance
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EasyFi CEO on Current Lending and Borrowing Issues and Comments on DeFi
DeFi is a general term covering a variety of activities and business relationships. We define four requirements: financial services; trust-minimized operation and settlement on a blockchain; non-custodial design; and systems that are open, programmable, and composable. We then identify six major DeFi categories — stablecoins, exchanges, credit, derivatives, insurance, and asset management — as well as auxiliary services such as wallets and oracles (external information feeds). Most resemble traditional financial services, at least on the surface. However, they operate without intermediaries. Many incorporate cryptocurrency-based incentive structures to aggregate capital, maintain efficient pricing, and participate in governance decisions.
Within and beyond the categories described here, DeFi is evolving rapidly. Developers are experimenting with new services, business models, and combinations of DeFi protocols. Technologies are maturing. Services are moving to decentralized management and governance of protocols. Tools are emerging to simplify the user experience on and across DeFi services. A significant aspect of ongoing DeFi development will involve the composition of financial primitives as “Money Legos” which can be reassembled in new and dynamic ways.
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The National Crowdfunding & Fintech Association (NCFA Canada) is a financial innovation ecosystem that provides education, market intelligence, industry stewardship, networking and funding opportunities and services to thousands of community members and works closely with industry, government, partners and affiliates to create a vibrant and innovative fintech and funding industry in Canada. Decentralized and distributed, NCFA is engaged with global stakeholders and helps incubate projects and investment in fintech, alternative finance, crowdfunding, peer-to-peer finance, payments, digital assets and tokens, blockchain, cryptocurrency, regtech, and insurtech sectors. Join Canada's Fintech & Funding Community today FREE! Or become a contributing member and get perks. For more information, please visit: www.ncfacanada.org
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5 ways AI is doing good in the world right now
WEF | Sean Fleming | Jul 14, 2021
In the wake of the pandemic, a growing number of businesses are speeding up plans to adopt AI and automation, according to the World Economic Forum’s Future of Jobs Report 2020.
As humans and technology increasingly work together, here are five examples of the range of applications for artificial intelligence and where it might do good.
Tackling human trafficking
There could be as many as 45 million enslaved people around the world right now. Many of them will have been the victims of human trafficking, which is one of the most profitable criminal undertakings of our time.
See: How open-source software shapes AI policy
The Global Emancipation Network (GEN) has joined forces with Accenture, Splunk (a data analytics platform) and Graphistry (which develops easy-to-read data visualizations) to create an AI-powered human-trafficking tool.
Called Artemis, it draws in data from sources such as business licenses, and public records like credit defaults and online reviews, among others. Then it identifies businesses and individuals, which it calculates to be those most likely to be involved in human trafficking. Artemis can send alerts to law enforcement agencies, triggering further investigations.
Fighting gender imbalance in the media
Ensuring a more equitable range of voices and faces in the media can only be achieved through an accurate assessment of where change is needed. That’s the view of Swiss multimedia publishing business Ringier, which is using AI to check the gender bias of its output.
The tool it has developed is called EqualVoice and it analyzes the balance of men and women that appear in the articles, features, and clips that appear across the publisher’s brands.
See: Nobel-winning Psychologist: ‘Clearly AI is going to win. How people are going to adjust is a fascinating problem’
The tool tracks gender representation in headlines, photos and captions, as well as throughout the main body of published stories. A report from the World Association of News Publishers says some Ringier-owned titles have achieved a 50:50 female:male split in their readership and that its next goal is to improve gender parity in its newsrooms.
Tracking and responding to COVID-19
AI systems had detected the outbreak of a new, previously unknown pneumonia-like illness in China well before the world realized it was in the midst of a pandemic.
AI-powered early warning systems for disease and infection draw in data from news sites and online sources of information to spot epidemiological patterns; they can then trigger alerts and help healthcare services get ready.
See: Influential economist Daron Acemoglu: Forward Thinking on technology and political economy
The power of AI has also been used to help assess the likely efficacy of specific drugs or treatments for COVID-19 symptoms.
Meanwhile, businesses including IBM, Amazon, Google and Microsoft, are donating their cloud computing resources to enable research institutions to carry out high-performance computational calculations. This has even been mirrored by many private individuals who have joined the Folding@home initiative and made their personal computers available to help collaborative computing efforts take place in the push to manage the pandemic.
Continue to the full article --> here
The National Crowdfunding & Fintech Association (NCFA Canada) is a financial innovation ecosystem that provides education, market intelligence, industry stewardship, networking and funding opportunities and services to thousands of community members and works closely with industry, government, partners and affiliates to create a vibrant and innovative fintech and funding industry in Canada. Decentralized and distributed, NCFA is engaged with global stakeholders and helps incubate projects and investment in fintech, alternative finance, crowdfunding, peer-to-peer finance, payments, digital assets and tokens, blockchain, cryptocurrency, regtech, and insurtech sectors. Join Canada's Fintech & Funding Community today FREE! Or become a contributing member and get perks. For more information, please visit: www.ncfacanada.org
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KPMG Report: Canada attracts record $4.8 billion in fintech investment in H1’21: how high can it go by year end?
KPMG | Aug 12, 2021
Total fintech investment in Canada skyrocketed to $4.8 billion in the first half of the year, already surpassing the previous annual record, set in 2017.
Canada saw robust M&A deal value in H1’21, drive primarily by Nasdaq’s acquisition of cybersecurity firm Verafin for $2.7 billion, and a number of smaller M&A deals, including the $265 billion acquisition of PayBright by Affirm for $265 million and the $113 million acquisition of Flexiti by Curo.1
Canada is attracting larger VC deals as fintech startups mature, evidenced by Wealthsimple’s $600 million raise and Fraction Technologies’ $220 million raise in H1’21.
See: Accenture Report (Mar 2021): Collaborating to win in Canada’s fintech ecosystem
Corporate interest and investment in fintech continued to diversify, both to accelerate internal capabilities and to support others; in H1’21, RBC launched RBCx — a platform aimed at providing holistic financial and entrepreneur support services to technology startups.2
Fintech investment is expected to remain strong in Canada, particularly in AI-driven solutions, payments, and crypto.
“As a result of COVID-19, many if not most financial institutions really had to accelerate their digital capabilities. To do this, many recognized that they could get some of those capabilities more quickly and efficiently by partnering with fintechs. This realization, combined with Canada’s strong and maturing fintech ecosystem has helped drive the strong uptick in fintech investment here.” John Armstrong, Partner, National Financial Services Leader,KPMG in Canada
Highlights in the Americas
Attracts $51.4 billion in fintech investment, including record $31 million in VC
Fintech investment in the Americas reached $51.4 billion in H1’21, with VC investment accounting for $31 billion — shattering the previous annual high of $24 billion set in 2020. The continued innovations in financial technology, combined with the dramatic increase in use of digital offerings has made fintech one of the most active sectors of investment, both from a VC perspective and from an M&A standpoint. Key H1’21 highlights from the Americas include:
Payments hot across the Americas
The payments space was incredibly active in H1’21. Exits got a significant amount of attention in the US — with alternative lender Affirm raising $1.2 billion in its IPO and Deluxe acquiring First American Payments for $960 million.1 VC funding in the payments space was particularly notable in Latin America where Brazil-based Nubank raised $1.5 billion.
See: #FFCON21 Brings Canada’s Tech Hub to the Web for 3 Days of Fintech Insights, Business Building
Valuations driving unicorn births
Fintech valuations remained high in H1’21 as investors continued to see the space as attractive and well-performing. This likely drove the explosion of unicorn births in the first half of 2021. While the importance of unicorn status is waning in the US given its proliferation of unicorns, it is still a significant milestone elsewhere in the Americas. In H1’21, Canadian e-commerce company Clearco and ID verification firm Trulioo became unicorns, in addition to Mexico-based cryptocurrency platform Bitso.
Corporates getting into crypto space
During H1’21, a number of corporates in the US made big bets on cryptocurrencies, including Paypal — which acquired crypto-security firm Curv in H1’21 following its announcement of a partnership with Paxos in late 2020. Paypal ventures contributed to Paxos’s $300 million raise in H1’21.2 Facebook, through the Diem Association, also continued to move forward with its plans to launch a US dollar stablecoin before the end of the year.3
Consolidations in the B2B space
H1’21 saw a number of consolidations occurring in the B2B space, including Bill.com’s acquisition of Divvy. The B2B payments space is quite hot — and is expected to remain very attractive to investors given the amount of room it has to grow as companies across the Americas move from cheque-based payments to electronic payments. As companies look to scale and gain market share, more consolidations will likely occur.
Continue to the full article --> here
Download the full 72 page PDF report 'Pulse of Fintech H1-2021' --> here
The National Crowdfunding & Fintech Association (NCFA Canada) is a financial innovation ecosystem that provides education, market intelligence, industry stewardship, networking and funding opportunities and services to thousands of community members and works closely with industry, government, partners and affiliates to create a vibrant and innovative fintech and funding industry in Canada. Decentralized and distributed, NCFA is engaged with global stakeholders and helps incubate projects and investment in fintech, alternative finance, crowdfunding, peer-to-peer finance, payments, digital assets and tokens, blockchain, cryptocurrency, regtech, and insurtech sectors. Join Canada's Fintech & Funding Community today FREE! Or become a contributing member and get perks. For more information, please visit: www.ncfacanada.org
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The Evolving DLT Landscape: Deciphering the evolving distributed ledger technology market
techUK | Aug 6, 2021
Csilla Zsigri is VP of Marketing & Strategy at Blockchain Technology Partners (BTP), and a former technology industry analyst covering the distributed ledger technology space, among other areas. In this insight, she discusses the creation of the DLT Landscape.
The creation of the DLT Landscape was inspired by the growing complexity of the distributed ledger technology (DLT) space, in particular, the increasing number of projects and companies innovating in areas outside of the core ledger layer, which has considerably transformed the DLT vendor landscape in the last couple of years.
In my prior life as a technology industry analyst - covering DLT among other things - I often found that people were using the same terms for very different things, comparing apples and oranges, ultimately creating a lot of confusion over the technology and its components, as well as where specific projects, company offerings, and networks fit into the overall ecosystem.
See: WEF Insight Report: Digital Assets, Distributed Ledger Technology, and the Future of Capital Markets
Creating a business stack with a technology foundation to reflect and at the same time decipher the complexity of the DLT vendor landscape, seemed like a useful tool to not only help mitigate the confusion by providing a better understanding of the market, but also to create a strategic tool that would allow organisations to better position their offerings and find the right partners to go to market.
Structurally, the DLT Landscape starts with the basic compute infrastructure layer and goes on to distributed ledgers or core protocols, where we differentiate between permissioned, permissionless, and hybrid ledgers. Since the launch of the Bitcoin blockchain over a decade ago, a number of distributed ledger protocols have emerged catering to enterprise-focused use cases and a variety of application areas. Organisations continue to use a variety of distributed ledgers, and make decisions depending on use-case requirements, existing technical skills and vendor relationships.
With DLT hardly living on its own, and the myriad of application areas where technology combos can provide powerful value propositions, I believe that technology intersections, whether AI, IoT or other, are key for DLT adoption - and that is what the technology intersections layer represents in the landscape.
See: How blockchain and cryptocurrencies can help build a greener future
Also, by currently living in a multi-ledger world, and not forgetting about business applications and legacy systems that organizations use, as well as with usability being a key requirement for adoption, interoperability in the DLT space is critical to allow people and organizations (as well as machines!) to transact smoothly and seamlessly.
Smart contracts and digital tokens also play a critical role in the DLT landscape. Smart contracts, on the one hand, have become known to the world as transaction protocols running on a distributed ledger, embodying the self-enforcing business logic of a multiparty application. Smart contracts formalise and automate the relationship between individuals, organisations and machines that participate in a network. Digital tokens, on the other hand, can improve the accessibility, efficiency, liquidity and transparency of existing asset markets, whether that’s money, commodity, diamond or a piece of art.
Continue to the full article --> here
The National Crowdfunding & Fintech Association (NCFA Canada) is a financial innovation ecosystem that provides education, market intelligence, industry stewardship, networking and funding opportunities and services to thousands of community members and works closely with industry, government, partners and affiliates to create a vibrant and innovative fintech and funding industry in Canada. Decentralized and distributed, NCFA is engaged with global stakeholders and helps incubate projects and investment in fintech, alternative finance, crowdfunding, peer-to-peer finance, payments, digital assets and tokens, blockchain, cryptocurrency, regtech, and insurtech sectors. Join Canada's Fintech & Funding Community today FREE! Or become a contributing member and get perks. For more information, please visit: www.ncfacanada.org
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Trullion Platform Review: A Reliable Software to Automate Your Lease Accounting Process
Guest Post | Jul 29, 2021
Sticking to manual lease accounting processes and compliance with relevant standards can be a huge nightmare.
The solution?
Use Trullion, a dependable software that uses AI to automate and simplify your lease accounting workflows and compliance processes.
In this review, we’ll look into how Trullion can help you establish seamless lease accounting processes and make complying with the required standards more efficient.
What is Trullion?
Trullion is an Artificial Intelligence or AI-powered Software as a Service (SaaS) platform that automates lease accounting workflows for auditors, Chief Financial Officers (CFOs), and accountants.
The platform combines the structured and unstructured aspects of accounting by reading Excel and PDF files and turning them into financial workflows, revenue recognition and lease accounting.
Trullion is designed to provide a solution to accounting process silos most Enterprise Resource Planning (ERP) and accounting firms often fail to address.
See: Top 12 AI Use Cases: Artificial Intelligence in FinTech
It can give you a 360° real-time view of your financial data, extract information from source documents and connect them to your audit trail, and speed up your ASC 842, IFRS 16, GASB 87 compliance process.
Main features and functionalities
Essentially, Trullion automates your tedious and repetitive financial and lease accounting workflows and tasks through AI technology.
Below are the lease accounting 2.0 solution’s critical features that help you streamline your lease accounting processes.
AI-powered contract extraction
Uploading your contracts into the Trullion software is a pretty straightforward process.
On the software’s interface, click the blue button, the browse option, or drag and drop your contracts or lease agreements (PDF, XLSX, or DOC file formats).
Click Import to upload your document.
Trullion uses Machine Learning (ML) and Optical Character Recognition (OCR) to analyze your contract and find relevant information for you.
The contract data displays on the right side of the interface and you’ll see the ASC 842, IFRS 16, and GASB 87 data inputs on the left side.
You'll see the software’s relevant recommended data points. Click each one, and the software will instantly highlight them within the agreement, allowing you to go over and approve them quickly.
These features simplify and automate extracting key data points from your contracts, allowing you to generate necessary reports efficiently.
Visual modifications
After reviewing a lease agreement, you can lock it to make it a read-only record.
To update the record due to, let’s say, a renewal, you can unlock it and process the modifications.
Add a description, the modification date, and select the type of modification, such as a term or payment change.
Click Modify, and this should open the workflow. You can add new documents or details and adjust the agreement accordingly.
Trullion’s visual modification feature will create a timeline that shows the before (historical data) and after (current data).
With this, you’ll see the active record on your Reporting page and the historical view of records, allowing you to get quick before and after views of the agreement details. This helps streamline your lease accounting process.
Bulk upload and modifications
Manually uploading data and applying modifications are often long and painful tasks, especially if you have a large asset portfolio or implement modern audit processes.
Trullion provides a solution through its bulk upload and modifications feature.
Using the upload tool, drag and drag your worksheet containing your records. The software will detect the column headers within your data automatically. You can then match the column headers with your desired data fields.
You can preview the data to check if you’ve got everything sorted out properly, then click Import. This should import all your data at once, allowing you to upload your data in bulk seamlessly.
Once imported, you can click on any of the lease records and view and process them within Trullion’s system.
What if your source data (Excel worksheet) gets updated or if you add new data?
Trullion allows you to update or modify your lease agreement information within the software easily.
See: Top 5 In-demand Jobs Post COVID-19?
Let’s say you modified the lease agreement information, such as extending the date of the contract in your Excel worksheet.
To update the records within Trullion, navigate to the software’s uploading tool and drag and drop the worksheet with the updated lease agreement data.
Once uploaded, select the same template you used for the records you want to update, and the software will remember the existing data fields. It will show you the modified records.
Under the Changed category, click on each record to show the changes. You can also view the old and the new values by clicking the Show Changes option.
The software will also detect data removed from your records, such as assets that are no longer in the worksheet.
You can choose to terminate, ignore, or modify them.
The last category shows you the unchanged records for your reference. Click Update Contracts, and you should be good to go.
The process is quick and easy, saving you tons of time and effort by reducing manual data uploading and updating, leading to efficient lease accounting workflows and processes.
360° audit reporting
Trullion offers reporting features that help you go through the steps of ASC 842, IFRS 16, and GASB 87 and generate all your Right-of-Use (ROU) assets, liability, and other entries.
After bringing in all your PDFs and Excel-based documents, you can create your reports efficiently.
Select the journal entries from any given period, view relevant contracts, and see disclosure and other details. When you’re done, you can export the data into Excel for review.
Click on any cell containing your exported data, and you’ll see the formula used within the software. This gives you and your auditor a 360-degree view of the audit trail.
You can also go to the sheet containing your contracts and click the links within the journal entries and disclosures. This will take you directly back to the original agreement on Trullion.
Wrapping up our Trullion platform review
Trullion provides the features you need to ensure confidence and transparency in handling your financial data and managing your lease accounting processes with ease.
With the software’s AI-based technology, you’ll get a single source of truth and have real-time visibility into your company’s financial data and processes.
In a nutshell, Trullion’s solution can automate critical aspects of your lease accounting processes, help you implement modifications easily, and ensure compliance with all the required standards.
The National Crowdfunding & Fintech Association (NCFA Canada) is a financial innovation ecosystem that provides education, market intelligence, industry stewardship, networking and funding opportunities and services to thousands of community members and works closely with industry, government, partners and affiliates to create a vibrant and innovative fintech and funding industry in Canada. Decentralized and distributed, NCFA is engaged with global stakeholders and helps incubate projects and investment in fintech, alternative finance, crowdfunding, peer-to-peer finance, payments, digital assets and tokens, blockchain, cryptocurrency, regtech, and insurtech sectors. Join Canada's Fintech & Funding Community today FREE! Or become a contributing member and get perks. For more information, please visit: www.ncfacanada.org
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Designing a Central Bank Digital Currency with Support for Cash-Like Privacy
SSRN | Jonas Gross et al | Jul 22, 2021
Most central banks in advanced economies consider issuing central bank digital currencies (CBDCs) to address the declining use of cash and to position themselves against increased competition from Big Tech companies, cryptocurrencies, and stablecoins.
One crucial design dimension of a CBDC system is the degree of transaction privacy. Existing solutions are either prone to security concerns or do not provide full (cash-like) privacy.
Moreover, it is often argued that a fully private payment system and, in particular, anonymous transactions cannot comply with anti-money laundering (AML) and countering the financing of terrorism (CFT) regulation.
See: BIS Research: CBDCs beyond borders: results from a survey of central banks
In this paper, we follow a design science research approach (DSR) to develop and evaluate a holistic software-based CBDC system that supports fully private transactions and addresses regulatory constraints.
To this end, we employ zero-knowledge proofs (ZKP) to impose limits on fully private payments. Thereby, we are able to address regulatory constraints without disclosing any transaction details to third parties.
We evaluate our artifact in interviews with leading economic, legal, and technical experts and find that a regulatorily compliant CBDC system that supports full (cash-like) privacy is feasible.
Continue to the full article and download the 44 page PDF --> here
The National Crowdfunding & Fintech Association (NCFA Canada) is a financial innovation ecosystem that provides education, market intelligence, industry stewardship, networking and funding opportunities and services to thousands of community members and works closely with industry, government, partners and affiliates to create a vibrant and innovative fintech and funding industry in Canada. Decentralized and distributed, NCFA is engaged with global stakeholders and helps incubate projects and investment in fintech, alternative finance, crowdfunding, peer-to-peer finance, payments, digital assets and tokens, blockchain, cryptocurrency, regtech, and insurtech sectors. Join Canada's Fintech & Funding Community today FREE! Or become a contributing member and get perks. For more information, please visit: www.ncfacanada.org
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What is the best secure messaging app?
NordVPN | Emily Green | May 25, 2021
The world's most popular messaging apps
While encryption and privacy play a vital role in selecting which messaging app to use, its also nessesary to use the messaging apps that our friends use. According to Statista (2019) WhatsApp, Facebook Messenger, and WeChat, remain the world's most popular messaging apps despite Facebook's questionable privacy practices.
See: WeChat live Streaming pumps life into local business in China
- WhatsApp is used by almost 90% of people in most countries. In fact, there are only 25 out of 195 countries where WhatsApp isn't the most used messaging app.
- 88% of the US use Facebook Messenger, whereas over half of Latin Americans opt for WhatsApp.
- Most of the world is using a messaging app owned by Facebook. In fact, there are only 10 countries in the world where Facebook-owned messaging apps, are not the market leader.
- WeChat is used by the majority of people in China, since apps like WhatsApp and Facebook Messenger are banned. While Telegram, known for its tight privacy controls, has struggled to find the same mass appeal – with most of its users being based in the middle east.
- Security and privacy within messaging apps is becoming more important, with secure chat-apps like Wire, Threema, and Silence, being the latest additions to the market. If security is your first point of call over popularity, then read on.
Continue to the full article --> here
The National Crowdfunding & Fintech Association (NCFA Canada) is a financial innovation ecosystem that provides education, market intelligence, industry stewardship, networking and funding opportunities and services to thousands of community members and works closely with industry, government, partners and affiliates to create a vibrant and innovative fintech and funding industry in Canada. Decentralized and distributed, NCFA is engaged with global stakeholders and helps incubate projects and investment in fintech, alternative finance, crowdfunding, peer-to-peer finance, payments, digital assets and tokens, blockchain, cryptocurrency, regtech, and insurtech sectors. Join Canada's Fintech & Funding Community today FREE! Or become a contributing member and get perks. For more information, please visit: www.ncfacanada.org
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