Category Archives: Voices

Liquid Avatar Technologies Supports Ontario’s Approach to Technology and Standards for Digital Identity

Liquid Avatar Technologies | Cara Buckspan | Sep 13, 2021

Ontario announces covid verification initiativeSelf-Sovereign Identity (SSI), Interoperability, Open Standards Central to Enabling Liquid Avatar Technologies and Others to Participate in Government’s Digital Credential Project

Toronto, Canada - TheNewswire - September 13, 2021 -Liquid Avatar Technologies Inc. (CNSX:LQID.CN) (OTC:LQAVF) (FRA:4T51) (“Liquid Avatar Technologies” or the “Company”), a global blockchain, digital identity, and fintech solutions company, today congratulates the Province of Ontario on the recent release of its technology and standards for a Digital Identity ecosystem. This government guideline “encourages private-sector market innovation” and should enable companies like Liquid Avatar Technologies who have existing digital wallets and digital identity solutions to carry government issued credentials provided they meet certain standards and requirements. Among these are: solutions that adhere to the highest online technology and security standards, adhere to key principles that support user privacy, enable self-sovereign identity to empower and protect users, are interoperable, and which incorporate open standards.

“Ontario is one of the first jurisdictions in North America to announce that it will issue and enable digital credentials"

See:  Can Liquid Avatar end fake COVID vaccine cards?

– and it has been a great experience working with the government on this both directly and through our role in membership organizations like the Trust Over IP Foundation, the DIACC and the Covid Credential Initiative,” said David Lucatch, CEO and co- founder of Liquid Avatar Technologies. “This is a fast-moving, exciting space to be in, and with the direction the province has set with these guidelines we believe the government, the public, and Ontario’s growing tech sector will all benefit.”

Liquid Avatar Technologies has been a part of the ongoing consultations around the province’s plan to introduce a digital identification credential by the end of 2021 – Digital ID.  Earlier this year, Liquid Avatar Technologies began to test its Liquid Avatar Verifiable Credentials Ecosystem (“LAVCE”) and Liquid Avatar mobile application to drive the provision of a digital wallet and digital identity, management and control solution for individuals and entities. These incorporate a fully functioning, self-sovereign platform that adheres to current technology standards and supports many of the themes and requirements articulated as both current and under consideration in last week’s Digital ID announcement.

On September 9th, the Company participated in the Linux Foundation Public Health Cardea project’s “interop-athon” and successfully demonstrated the LAVCE’s ability to issue, exchange, and verify digital health data with credential systems from other companies in the Cardea community. This accomplishment means that LAVCE’s ability to create and manage credentials for digital health information, such as proof of a valid COVID-19 test, vaccination, and/or exemption, can be used across multiple systems and platforms, thereby helping people to resume school, work, and travel in a way that increases public safety while preserving privacy and preventing fraud.

See:  COVID-19: Making the case for robust digital financial infrastructure

LAVCE’s successful demonstration illustrated the power of interoperable verifiable credentials as a way that can transform how we share and trust digital health and other information. The LAVCE platform can be easily integrated into healthcare facilities, testing labs, government agencies, schools, sports arenas, transportation, trade shows, and workplaces to confirm health status in a privacy preserving way and assist in efforts to reduce new outbreaks.

Liquid Avatar Technologies is a steering committee and voting member of the Trust over IP foundation, founding and steering committee member of Cardea, Node Operator for the Indicio Network, member of the Linux Foundation, DIACC, the Covid Credential Initiative and other industry foundations, ecosystems, networks, and utilities.

“The province of Ontario has acknowledged that the private sector has a role to play in expediting their goal of issuing a secure digital credential by the end of the calendar year,” said Lucatch. “The LAVCE platform, which enables users to manage their digital wallet and digital identification solution has completed its industry and interoperability testing towards availability to individuals. We are excited and believe that we are ready to leverage our infrastructure to enable the success of industry, business and government digital identity and verifiable credential programs.”

As part of the Company’s efforts to support our communities, Liquid Avatar Technologies has become a partner in the Toronto Region Board of Trade’s We’re Ready Toronto initiative to support the ensure a safe and sustainable reopening and recovery in the region and will be conducting a member only workshop on September 23, 2021, from 11 am to 12 pm Eastern titled, Vaccine Passports and Future Digital Credentials – How to protect employees, customers, and businesses.

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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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How to Revolutionize the Private Capital Markets

Crowdfund Insider | | Sep 8, 2021

revolutionIn 2010, venture capital investors poured $21.8 billion into startups. Fast forward a decade to 2020 when well over 500 “supergiant” funding rounds of $100 million+ were raised, totaling $142 billion.

In early 2021, even as global economies fought to shake off the effects of the pandemic, global venture investments were up a whopping 94% year-over-year.  There’s no doubt that the investment community is increasingly buying what the private markets are selling. Yet there remains an undeniable barrier to growth we have yet to overcome—transparency in the private markets remains elusive.

Despite the explosive growth in private market investment, only a small fraction of the burgeoning primary capital that’s being deployed finds a level of transactional freedom that resembles public market trading. Currently, the only established paths to liquidity for private investors are major corporate events such as IPOs or mergers and acquisitions. One of the more novel strategies is the active and ever-evolving secondary market—the single legitimate escape hatch that offers relief from an otherwise extensive holding period.

See:  Catching the Wave: Capitalize on New Opportunities in Private Placements

While secondary transaction volume is growing, secondary markets remain highly decentralized, inefficient, and inaccessible for most. As a result, transaction volume remains minimal compared to public stock market activity. Each year, the public market raises $1.4 trillion and trades at an astounding rate of 33x annually. Meanwhile, $2.9 trillion of capital is invested into the private capital market, nearly double the public markets, but a mere $100 billion of that capital is being traded annually in secondary markets.

Closing the Delta

So, what’s behind this large delta?

Private markets remain illiquid and opaque with a lack of data transparency. Improved access will manifest itself in efficient trading platforms that streamline the transaction process. Unlike the highly transparent public markets, private markets operate under a much different policy. So while information about the company is shared by the issuer in the primary fundraising context, non-issuer-sponsored secondaries often involve significant information asymmetry, not necessarily by design, but by lack of structure and integration.

Read:  WEF Insight Report: Digital Assets, Distributed Ledger Technology, and the Future of Capital Markets

Today sophisticated secondary trading strategies rely heavily on trusted networks that serve to bridge the information gap. Without the advent of new infrastructure that makes reliable and trustworthy data readily available and integrates various systems of record, investors cannot evaluate risk or properly understand the value of the securities they are acquiring. Until secondary market participants can better understand private securities, expanding access to them will remain a distant prospect.

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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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World Economic Forum (WEF) Warns of Cyberattack that will Collapse Existing Financial System

GlobalRisk Community | Enrique Raul Suarez | Sep 3, 2021

Carnegie better coorinated strategy against cyber threatsA report published last year by the WEF-Carnegie Cyber Policy Initiative calls for the merging of Wall Street banks, their regulators and intelligence agencies as necessary to confront an allegedly imminent cyber attack that will collapse the existing financial system.

In November 2020, the World Economic Forum (WEF) and Carnegie Endowment for International Peace co-produced a report that warned that the global financial system was increasingly vulnerable to cyber attacks. Advisors to the group that produced the report included representatives from the Federal Reserve, the Bank of England, the International Monetary Fund, Wall Street giants likes JP Morgan Chase and Silicon Valley behemoths like Amazon.

The ominous report was published just months after the World Economic Forum had conducted a simulation of that very event – a cyber attack that brings the global financial system to its knees – in partnership with Russia’s largest bank, which is due to jumpstart that country’s economic “digital transformation” with the launch of its own central bank-backed digital currency.

See:  ISED: Cyber Security and Policy Statements

More recently, last Tuesday, the largest information sharing organization of the financial industry, whose known members include Bank of America, Wells Fargo and CitiGroup, have again warned that nation-state hackers and cybercriminals were poised to work together to attack the global financial system in the short term. The CEO of this organization, known as the Financial Services Information Sharing and Analysis Center (FS-ISAC), had previously advised the WEF-Carnegie report that had warned much the same.

“Not a Question of If  but When“

The Cyber Policy Initiative’s November 2020 report is officially titled “International Strategy to Better Protect the Financial System.” It begins by noting that the global financial system, like many other systems, are “going through unprecedented digital transformation, which is being accelerated by the coronavirus pandemic.”

“Reducing Fragmentation”: Merging Banks with their Regulators and Intelligence Agencies

Given the inevitability of this destructive event predicted by the report’s authors, it is important to focus in on the solutions proposed in the WEF-Carnegie report as they will become immediately relevant if this event, as predicted by the WEF and Carnegie Endowment, does come to pass.

Some of the solutions proposed are to be expected from a WEF-linked policy document, such as the calls for increased public-private partnerships and greater coordination among regional and international organizations as well as increased coordination between national governments.

See: 

PwC Report: Canadian Digital Trust Insights 2021: Cybersecurity comes of age

Remote Working Cybersecurity Checklist

However, the main “solution” at the heart of this report, and also at the heart of the WEF-Carnegie initiative’s other endeavors, is a call to fuse corporate banks, the financial authorities that essentially oversee them, tech companies and the national security state.

“This requires countries not only to better organize themselves domestically but also to strengthen international cooperation to defend against, investigate, prosecute and ideally prevent future attacks. This implies that the financial sector and financial authorities must regularly interact with law enforcement and other national security agencies in unprecedented ways, both domestically and internationally.”

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Download the 242 page PDF report on 'International Strategy to Better Protect the Financial System Against Cyber Threats' --> here

Separate June 2020 report from WEF-Carnegie initiative on deepfakes and the Financial System --> 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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NCFA Fintech WhispererNCFA Fintech Fridays PodcastNCFA Weekly Newsletter

 

Chelsea Manning Is Hacking Again, This Time For A Bitcoin-Based Privacy Startup

ComplianceX | Jack J. Kelly | Aug 25, 2021

Chealsea ManningChelsea Manning’s long blonde hair catches in a cool summer breeze as she turns the corner into Brooklyn’s Starr Bar, a dimly lit counter-cultural haunt in the heart of the hipster enclave of Bushwick. The 33-year-old best known for leaking hundreds of thousands of top-secret government documents to Julian Assange in 2010.  While serving the longest sentence ever doled out to a whistleblower after she used the privacy protecting Tor Network to anonymously leak 700,000 government documents, she used her time in incarceration to devise a better way to hide the tracks of other online users.

By January 2017, she was seven-years into a 35-year sentence at Fort Leavenworth, home to the likes of former Army Major Nidal Hasan, who killed 14 fellow soldiers in 2009. As President Barack Obama prepared to leave office, he granted Manning an unconditional commutation of her sentence. Newly tasting freedom, she was contacted by Harry Halpin, the 41-year-old mathematician who worked for World Wide Web inventor Tim Berners-Lee at MIT from 2013 to 2016 helping standardize the use of cryptography across web browsers.

See:  ISED: Cyber Security and Policy Statements

Halpin asked Manning to look for security weaknesses in his new privacy project, which eventually became Nym, a Neuchâtel, Switzerland-based crypto startup. Halprin founded Nym in 2018 to send data anonymously around the Internet using the same blockchain technology underlying Bitcoin.

Halpin was impressed by Manning’s technical knowledge. More than just a famous leaker who happened to have access to secret documents, Manning struck Halpin as someone with a deep technological understanding of how governments and big business seek to spy on private messages.

“We’ve very rarely had access to people who really were inside the machine, who can explain what they believe the actual capabilities of these kinds of adversaries are, what kinds of attacks are more likely,” says Halpin. “She’ll help us fix holes in our design.”

In prison she studied carpentry, but she never stopped exploring her earlier vocation. “I’m a certified carpenter,” she says. “But when I wasn’t doing that, I would read a lot of cryptography papers.” In 2016, she was visited in prison by Yan Zhu, a physicist from MIT who would later go on to become chief security officer of Brave, a privacy-protecting internet browser that pays users in cryptocurrency in exchange for agreeing to see ads.

She and Zhu were concerned with vulnerabilities they saw in Tor, including its dependence on the good will of governments and academic institutions. In 2020 53% of its $5 million funding came from the US government and 27% came from other Western governments, tax-subsidized non-profits, foundations and companies. Worse, in their opinion, the technology to break privacy was being funded at a higher rate than the technology to protect it.

Fintech Fridays EP52: Technology Due Diligence Process and Cyber Security Risks

“As the dark web, or Tor, and VPN, and all these other services became more prolific, the tools to do traffic analysis had dramatically improved,” says Manning. “And there’s sort of been a cold war that’s been going on between the Tor project developers, and a number of state actors and large internet service providers.” In 2014 the FBI learned how to decipher Tor data. By 2020 a single user reportedly controlled enough Tor nodes to steal bitcoin transactions initiated over the network.

Using two lined pieces of composition paper from the prison commissary, Manning drew a schematic for Zhu of what she called, Tor Plus. Instead of just encrypting the data she proposed to inject the information equivalent of noise into network communications. In the margins of the document she even postulated that blockchain, the technology popularized by bitcoin, could play a role. In the notes below she wrote the words: “New Hope.”

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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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NCFA Fintech WhispererNCFA Fintech Fridays PodcastNCFA Weekly Newsletter

 

Speech by SEC Commissioner Peirce: Prosperity’s Door

SEC | Commissioner Hester M. Peirce | Aug 26, 2021

SEC Commissioner PeirceSpeech delivered at The FINRA Certified Regulatory and Compliance Professional Program
Georgetown University

Thank you, Jim [Angel], for that kind introduction. It is a delight to be here with you tonight to talk about the future of financial markets regulation. I commend all of you for putting in the time to understand better both the fundamental underpinnings and practical realities of securities law and the role it plays in our rapidly changing markets. Tonight, I look forward to exploring with you what that role should be as we look to bring more and more people into these markets as investors, entrepreneurs, and financial professionals. Before I begin, I must offer my standard disclaimer, which is that the views that I represent are my own views and not necessarily those of the Commission or my fellow Commissioners.

See:  FFCON21: Keynote interview with Commissioner Peirce

Several weeks ago, economist Steven Horwitz passed away. Hearing the sad news of his death inspired me to read one of his speeches, which was itself inspiring and helps to lay the groundwork for what I want to talk about tonight. Professor Horwitz spoke of how human diversity is the key to human prosperity. He wrote:

We are fortunate to live on a planet populated by 7.5 billion people, each of whom has his or her own unique genetic blends, learned skills, and particular preferences and goals. Each of us brings something distinct to the human conversation. The challenge is how to turn those differences into productive cooperation rather than destructive conflict in a world where most of the planet are strangers to one another. . . . The answer to this puzzle is exchange. Exchange enables us to overcome our differences by providing a way for us to interact not just despite those differences but because of them. . . . Contrary to what critics say, free markets do not shut the door on the most vulnerable among us. The door to prosperity is open to everyone.

Horwitz is not alone in celebrating the way markets push open the door to prosperity. Since at least the 18th century, economists and philosophers have marveled at the power of free exchange to break down barriers between people by creating the incentives for them to look past their differences to a shared interest that can transform those differences from a source of mutual suspicion and resentment into a creativity that far exceeds the sum of those differences.

Increasingly, though, we hear criticism that our economy and our financial markets do not in fact work for everybody, that they produce increasing inequality, exclude the disadvantaged, and discriminate in the provision of opportunities for employment and career advancement. Proposed solutions to these problems often appeal to people like you and me, regulators, regulatory experts, and lawyers who are paid to use our own ingenuity to design and implement technocratic solutions. The prospect of engaging in social engineering can be quite enticing to us, as it plays to our predilections and strengths. If, however, Professor Horwitz is correct—that people, left to their own devices, will come together in acts of mutual enrichment to exchange not only goods but ideas, capital, and labor—we should resist the allure and instead examine what our prior social engineering efforts have wrought. If we find that some individuals cannot access markets or cannot take advantage of opportunities that markets offer, our own solutions to past problems may be to blame.

See:  Davos 2020: Financial inclusion and fintech is key to meeting the UN SDGs

Let us think tonight about how we might be able to open the door to prosperity wider for everyone through changes in how we regulate our securities markets. These markets have served the United States and the world well for centuries. We can spread the wealth and prosperity these markets create by ensuring that even more people participate in them as investors, users of capital, and financial professionals. During our time together tonight, I hope that instead of talking about the complex technocratic top-down approaches that appeal to our regulatory sensibilities, we can explore solutions that rely on regulators getting out of the way and allowing the market to do its work.

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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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The Impact of Fintech on Central Bank Governance

IMF | Marianne Bechara, Wouter Bossu, Yan Liu, Arthur Rossi | Aug 24, 2021

IMF Impact of Fintech on central bank governanceFintech presents unique opportunities for central banks. The rapid changes in technology that are transforming the financial system will allow central banks to enhance the execution of various of their core functions, such as currency issuance and payment systems.

But some aspects of fintech pose major challenges.

Central banks have always been at the cutting edge of financial technology and innovation. In the past, the invention of the banknote, the processing of payments through debits and credits in book-entry accounts, and the successive transitions of interbank payment systems from the telegraph to internet protocols were all transformative innovations.

See:

Today, central banks are facing new and unprecedented challenges: distributed ledger technology, new data analytics (artificial intelligence [AI] and machine learning), and cloud computing, along with a wider spread of mobile access and increased internet speed and bandwidth.

The purpose of this note is to discuss the authors’ preliminary views on how, from a legal perspective, central banks can best deal with the impact of fintech on their governance. These preliminary views are based on a review of central banks’ reaction thus far to the challenges posed by fintech to the legal foundations of their governance.

Download the full 23 page PDF report --> 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

NCFA Financial Innovation MapNCFA Innovation Opportunity BriefsNCFA Fintech Insights
NCFA Fintech WhispererNCFA Fintech Fridays PodcastNCFA Weekly Newsletter

 

Fidelity bites on bitcoin

Boston Globe | Scott Kirsner | Aug 16, 2021

Fidelity Tom JessopFidelity says that 90% of its biggest clients are interested in accessing Bitcoin and other cryptocurrencies. The firm is now planning to open up the digital asset space to retail investors.

In 2015, the Boston investment firm started to dabble in bitcoin “mining,” using high-powered computers to produce new digital coins — an activity that continues today. It now offers custodial services to large institutional investors who want a safe place to stash their bitcoin holdings. In March, Fidelity announced its intention to create an exchange-traded fund to give individual investors access to the volatile cryptocurrency. And this summer, Fidelity said it will add about 100 new jobs to its “digital assets” team, on top of a headcount of about 150.

Tom Jessop, president of the digital asset business unit at Fidelity, says the company is making a long-term bet on the emergence of a new kind of financial infrastructure. And he notes that Fideilty chief executive Abigail Johnson often participates in startup demonstrations and educational talks related to cryptocurrency — observing that it’s helpful to have support at the top, especially since his group is operating in uncharted (and mostly unregulated) terrain.

See:  Future of Crypto Market Infrastructure: The Role of Custodians and Exchanges

Bitcoin is the key focus now. While the cryptocurrency world sees regular cycles of hype around newly created cryptocurrencies, Fidelity is focused for the moment on bitcoin, which was born in early 2009.

“We’re dealing with the more traditional investors, and the entry vehicle to this space is largely bitcoin,” she says. But she adds that the interest for ethereum, another type of cryptocurrency, “has been escalating in the last few months, but it’s not anything close to what we see in bitcoin.”

The pandemic has sparked new interest. Large institutional investors were learning about cryptocurrency before the pandemic, but may not have actually purchased any prior to last spring, Jessop says.

“What really got people off the fence was the pandemic, because you’ve got this scarce asset class — there will only ever be 21 million bitcoin created — and an environment where our currency is being debased, and there’s a ton of money printing.”

More regulation is coming, and that’s OK. Congress is enacting new rules, as part of the infrastructure bill, around how tax reporting will work for cryptocurrency holdings. SEC chairman Gary Gensler said earlier in August that his agency needs more authority to oversee cryptocurrency exchanges and protect consumers who may use cryptocurrency as an alternative to traditional financial institutions.

“We’re supportive of regulation,” Jessop says. ”For this asset class to grow, and for investors to have trust in what we and others are doing, you need regulations commensurate with other asset classes. We’re not saying that it should be overregulated, but we think that it should be regulated consistent with other financial products that consumers and institutions purchase today.”

See:  Fidelity-backed crypto security startup Fireblocks launches ‘Secure Asset Transfer Network’

Fidelity is putting capital into cryptocurrency startups. Through a venture capital division called Devonshire Investors, Fidelity has invested in promising startups like ErisX, Talos, and Boston-based Coin Metrics, which collects and publishes data related to cryptocurrencies. Those kinds of investments, Jessop says, “keep us sharper on what’s actually happening, which is super-important given how fast things are moving.”

Supporting registered investment advisers will be key for Fidelity. Financial advisers who rely on Fidelity for trading and custody services want to see cryptocurrency options integrated into Fidelity’s existing portfolio management technology.

“Advisers want to keep assets on the platform,” says Jessop. “Otherwise, the client wires out X amount of dollars to fund their Coinbase account or their PayPal account,” purchasing cryptocurrency there instead.

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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

NCFA Financial Innovation MapNCFA Innovation Opportunity BriefsNCFA Fintech Insights
NCFA Fintech WhispererNCFA Fintech Fridays PodcastNCFA Weekly Newsletter