Karsten Wenzlaff, Advisor
August 26th, 2025
Karsten Wenzlaff is a Crowdfunding and Fintech Expert from Germany. He is Secretary-General of Digit[...]
Category Archives: Voices
Winklevoss’ Gemini to Refund $1.1 Billion After NYDFS Findings
Enforcement News | Feb 29, 2024
Image from Gemini blog
Gemini agrees to a $1.1 billion refund plan after NYDFS findings
The New York State Department of Financial Services (NYDFS) has announced an agreement with Gemini Trust Company, LLC, mandating the return of at least $1.1 billion to customers of its Earn program. This decision follows the discovery of compliance failures and the mishandling of a partnership with Genesis Global Capital, LLC (GGC), which led to substantial customer losses. The settlement includes a $37 million fine and outlines Gemini's commitment to rectify the situation through the bankruptcy proceedings of GGC.
- Gemini's pledge to reimburse $1.1 billion to Earn customers represents a substantial effort to address the fallout from the Earn program's suspension and Genesis Global Capital's subsequent bankruptcy.
See: New York Takes Legal Action Against Major Crypto Firms
- This settlement highlights a shift towards stronger protections for cryptocurrency investors, particularly in response to the risks associated with lending programs and third-party partnerships. The NYDFS has imposed a $37 million penalty on Gemini for various compliance failures, emphasizing the importance of regulatory adherence in the cryptocurrency sector.
- Gemini's operational practices, including insufficient due diligence and inadequate reserve maintenance, have led to significant reputational and financial damage, affecting over 200,000 customers.
Gemini's Response to the Resolution
In a blog post from Team Gemini said, "This settlement, pending Bankruptcy Court approval, promises the return of 100% of digital assets to Earn users, including any appreciation since the assets were lent. Gemini expects to return over $1.8 billion in today's value, with users receiving approximately 97% of their assets in kind within about two months and the remainder within the next 12 months.
See: Binance Withdraws from Canadian Market due to Tightened Crypto Regulations
Gemini also acknowledges the New York Department of Financial Services' role in reaching this settlement and commits an additional $40 million to aid users' recovery, emphasizing their dedication to customer asset security and appreciation for users' patience throughout the process."
Outlook
The NYDFS's action against Gemini Trust Company, LLC, culminating in a $1.1 billion customer reimbursement plan is another cautious warning to other platforms regarding the importance of compliance, due diligence, and the protection of consumer assets. This development is expected to influence future regulatory frameworks and operational standards within the digital asset market, aiming to foster a safer and more reliable trading environment for investors.
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, artificial intelligence, 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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Republican Senators Move to Block CBDCs in U.S. (again)
News | Feb 27, 2024
Republican senators have once again introduced a bill aimed at prohibiting the Federal Reserve from issuing a Central Bank Digital Currency (CBDC) in the United States, citing privacy intrusions.
Titled "The CBDC Anti-Surveillance State Act," the bill reflects deep concerns over privacy and the potential for government overreach into citizens' financial transactions. There is a growing political divide over digital currency policy and its implications for personal freedom and national sovereignty.
See: CBDCs in Canada and Impact Drivers on Banking Choices
- Spearheaded by Sen. Ted Cruz (R-Texas) and supported by Sens. Bill Hagerty (R-Tenn.), Rick Scott (R-Fla.), Ted Budd (R-N.C.), and Mike Braun (R-Ind.), the legislation marks another attempt by Republican lawmakers to halt the progress of a CBDC in the U.S., citing threats to privacy and freedom.
- The bill emerges against a backdrop of heightened political rhetoric, with the Biden administration accused of seeking to infringe on citizens' privacy through the surveillance of personal spending habits. The Federal Reserve, currently in the basic research phase regarding a CBDC, has stated it would not proceed without authorization from Congress and the White House.
- The debate over a CBDC has become a campaign talking point, with former President Donald Trump promising to ban the creation of a CBDC, framing it as a defense against government tyranny. Trump said:
“Tonight, I am also making another promise to protect Americans from government tyranny. As your president, I will never allow the creation of a central bank digital currency.”
Why It Matters
The introduction of anti-CBDC legislation by Republican senators highlights the complex interplay between innovation, privacy, and governance in the digital age.
See: Is USDCs Blockrock Money Fund a Back door CBDC?
As countries around the world advance their CBDC initiatives, the U.S. faces a decision on how to balance the potential benefits of digital currencies with the imperative to protect individual freedoms. This legislation reflects concerns over privacy and autonomy but also signals the broader geopolitical and economic considerations at play in the global shift towards digital currencies.
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, artificial intelligence, 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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Techstars Toronto’s Uncertain Future – Sad News
News | Feb 26, 2024
Image: Unsplash/Austin Distel
Techstars Revises Strategy and is Closing Some Accelerators, Techstars Toronto's Future Uncertain
Techstars, a leading global startup accelerator, is closing some accelerators and relocating its headquarters to New York City that have put the future of its Toronto Techstars accelerator in a state of uncertainty. This move has led to the pausing of applications for the Toronto accelerator and has sparked discussions about the impact on the local and national tech ecosystem in Canada.
See: Open Banking Insights: Decoding Canada’s Financial Future
The Toronto accelerator has paused its programming, with its long-serving managing director, Sunil Sharma, transitioning away after seven years. As the managing director of Techstars Toronto, Sharma has been at the forefront of supporting and nurturing startups, fostering a vibrant community of founders, investors, and tech enthusiasts. His dedication to the growth and success of Canadian startups is evident in his work with Techstars, where he has led the program to make significant investments in the Canadian tech ecosystem. Despite the changes, Techstars has expressed a continued focus on Canada, having invested in 250 Canadian startups to date such as notable fintech, Balance. The organization believes in the growth potential of Canadian companies within its global network.
Sunil Sharma told Betakit:
"Canada is a brand that resonates globally and represents an investment thesis in itself. The global diaspora is what makes us truly great, and this trend will only increase from here. I am confident that the number of Canadian companies supported by our many programs will continue to grow, as Techstars has proven itself to be a big believer in Canadian founders."
See: CIC Launch Delayed Impacting Innovation Funding Landscape
Criticism and Concerns
Former Techstars members and Seattle managing director Chris DeVore criticizing the group’s strategic choices which can be can be broken down into more precise concerns:
- Loss of Local Focus: Techstars historically operated city-based accelerators that were deeply integrated into local startup ecosystems. Critics argue that the organization's shift away from this model undermines the unique local support networks that were crucial for early-stage startups. This local focus was seen as a core strength of Techstars, providing startups with tailored support, access to local investors, and a deep understanding of regional market dynamics.
- Centralization of Fundraising: The move to centralize fundraising efforts, moving away from local fundraising for city-based accelerator programs, has been criticized for diminishing the engagement and investment of local communities in the success of startups. Critics believe that local investors and stakeholders play a vital role in the ecosystem, offering more than just financial support—they also provide mentorship, connections, and a vested interest in the startups' success. The centralization of funds is seen as diluting this local commitment and support.
See: Fintech Differentiation in a Tech-Saturated Market
- Corporate Sponsorship Focus: Some of the criticism has targeted Techstars' increased reliance on corporate sponsors to fund its programs. Critics argue that this shift prioritizes the interests of corporate partners over the needs and best interests of startups. There is a concern that corporate-sponsored programs may not align with the mission of fostering genuine innovation and entrepreneurship, potentially leading to a misalignment of goals between startups and the accelerator.
- Shift Away From Startup-Centric Culture: At the heart of the criticism is a perceived shift away from Techstars' original startup-centric culture. Former staffers and participants worry that the changes may lead to a culture that is more focused on financial and corporate interests rather than on fostering innovation, supporting founders, and building sustainable startup ecosystems.
Outlook
Toronto, Techstars has been a crucial player in supporting startups, and any changes to its operations could have wide-reaching implications for local founders, investors, and the broader community. The future of Techstars, amidst its strategic shifts and operational changes, is closely tied to its fundraising capabilities and its ability to adapt to the competitive landscape of startup accelerators.
See: Golden Ventures’ $100M Boost for Canada’s Tech
With a significant fundraising round in 2019 and a $150 million fund closed in 2021, the organization's efforts to raise a second $150 million vehicle have been met with silence regarding its progress. CEO Maëlle Gavet's reluctance to comment on fundraising specifics, coupled with indications that the 2024 fund has seen some capital inflow, suggests cautious optimism about the organization's financial health and its capacity to support its revamped focus.
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, artificial intelligence, 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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EU Advocates Against Big Tech’s Market Control
Policy | Feb 23, 2024
Image: Unsplash/Christian Lue
Urgent Call for Reform Against Big Tech's Grip in EU Digital Markets
In a letter to the Financial Times, Sebastiano Toffaletti, Secretary-General of the European Digital SME Alliance, is highly concerned about the state of the European Union's digital markets, dominated by a handful of tech giants. Toffaletti's letter, published on February 20, 2024, responds to the EU's chief competition official, Olivier Guersent, and critiques the European Commission's current stance on competition enforcement. He argues for a totally new approach to tackle the monopolistic practices of Big Tech, emphasizing the existential threat they pose to small businesses and startups.
- Despite the European Commission's efforts, the digital market remains under the control of a few large corporations, stifling competition and innovation.
- Big Tech's reluctance to comply with the Digital Markets Act by the March 7 deadline exemplifies the industry's resistance to change. Apple's criticized compliance measures, imposing significant financial burdens on app developers, serve as a case in point.
See: The Impact of Big Tech in Finance
- Toffaletti advocates for a shift in focus from consumer welfare and price indices to the broader economic and societal impacts of Big Tech's power accumulation. Highlighting the "fierce sense of urgency" noted by Lina Khan, chair of the US Federal Trade Commission, Toffaletti calls for immediate and decisive action to protect the welfare of small businesses and startups.
Why It Matters
Toffaletti's call for a revolution in EU's digital market enforcement is an urgent wake-up call to address the monopolistic dominance of Big Tech. This dominance not only stifles competition but also hampers innovation and growth among European digital SMEs. By advocating for a broader consideration of the impacts of Big Tech's power, the letter urges the European Commission to adopt a more aggressive stance in fostering a fair, competitive, and innovative digital market. Stay tuned for more to come.
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, artificial intelligence, 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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Golden Ventures’ $100M Boost for Canada’s Tech
Funding | Feb 23, 2024
Image: Freepik/upklyak
Golden Ventures Closes $100M for Seed-stage Tech Innovators in Canada
Golden Ventures, a prominent venture capital firm based in Canada, has successfully closed over $100 million in capital commitments for its fifth fund supported by existing and new institutional partners, including BDC Capital, ECMC Group, and Deloitte Ventures. This fund is dedicated to supporting seed-stage founders who are at the forefront of technological innovation, spanning areas such as AI, climate tech, blockchain, and quantum computing. Founded in 2011 by Matt Golden, the Toronto-based firm has evolved from a mobile-focused initial fund to a sector-agnostic approach, with a particular emphasis on bolstering the Canadian tech ecosystem.
- The fifth fund aims to invest in high-potential, seed-stage technology founders across various sectors.
- Founded by Matt Golden, with Ameet Shah as general partner and Nick Chen as the new principal.
- Golden Ventures plans to make around 30 core deals, maintaining a balance between core investments and angel-side investments.
- The firm has backed over 100 companies, including notable exits like Wattpad (acquired by Naver) and SkipTheDishes (acquired by Just Eat).
- Beyond financial investment, Golden Ventures emphasizes talent investment, mentorship, and building relationships with later-stage funds for portfolio companies.
Canada's Early Stage Investing in Focus as Late Stage VC Prioritizes Profit Over Growth
In 2023, Canadian late-stage venture capital (VC) funding experienced a significant decline for the second consecutive year, with a total investment of $6.9 billion across 660 deals, marking a 34% decrease from 2022. This downturn reflects a cautious investment climate, with a notable shift towards prioritizing profitability over growth.
See: AI Metamorphosis in Venture Capital
Despite this, early-stage investing emerged as a resilient and vibrant sector, maintaining robust investment levels with $969 million raised across 372 deals. The report highlights a cautious sentiment within the Canadian VC community, emphasizing a strategic approach to investment and a return to pre-pandemic norms. Additionally, the year witnessed a rebound in exit activity, including a notable IPO and several mergers and acquisitions, underscoring a cautious yet strategic focus on early-stage funding and the potential for strategic exits in the future.
Why It Matters
The commitment of Golden Ventures to inject another $100 million into Canada's tech ecosystem is a significant vote of confidence in the region's potential for technological innovation and entrepreneurship and highlights the growing importance of Canada as a hub for tech innovation globally.
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, artificial intelligence, 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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Neiss Advocates for Economic Growth via H.R. 2799
Advocacy | Feb 22, 2024
Image: Freepik/rawpixel.com
Sherwood Neiss Says the "Expanding Access to Capital Act" Will Boost the Economy, Job Creation, and Inclusive Innovation
Sherwood “Woodie” Neiss, a founding partner at Crowdfund Capital Advisors (CCA) who was one of the creators of the JOBS Act of 2012 (legislation that legalized investment crowdfunding), and NCFA Advisor, has sent a letter to Congressional leaders, informed by data-driven evidence, advocating for HR 2799, also known as the Expanding Access to Capital Act. This proposed legislation aims to bolster support for entrepreneurs and small businesses, thereby enhancing economic growth. The correspondence was directed to key figures within both major political parties in the U.S. House of Representatives and was in response to a letter sent by the North American Securities Administrators Association (NASAA) opposing the legislation.
See: NASAA Intensifies Access to Capital Debate
The Expanding Access to Capital Act will build upon the successes of the JOBS Act by further democratizing access to capital. This move promises to enhance economic growth, spur innovation, and support the creation of jobs, while maintaining a commitment to investor protection. Despite opposition from the North American Securities Administrators Association (NASAA), the overwhelming evidence and support from the crowdfunding sector underscore the transformative potential of H.R. 2799.
Let's Break It Down
1. Unprecedented Economic Impact
- Since the inception of Regulation Crowdfunding (RegCF), over 6,800 issuers from more than 1,800 cities have launched upwards of 8,000 offerings, channeling billions into the U.S. economy with minimal instances of fraud. This showcases the robust framework of crowdfunding that not only stimulates economic growth but does so with an impressive record of integrity and safety for investors.
2. Inclusive Capital Formation
- In 2023 alone, 41.7% of issuers had at least one woman or minority founder, significantly outpacing traditional venture capital's support for these demographics. Crowdfunding under Regulation Crowdfunding has emerged as a powerful tool for leveling the playing field, offering unprecedented access to capital for underrepresented entrepreneurs.
3. Spurring Innovation Across Industries
- Regulation Crowdfunding has enabled companies across over 500 industries to raise over $2.2 billion from nearly 2 million Americans, seeding the next wave of innovation. The diversity of industries and broad investor base illustrate crowdfunding's role in fostering a wide range of innovations, from tech startups to sustainable solutions.
See: The Real Story of Access to Capital
4. Job Creation and Economic Resilience
- Regulation Crowdfunding companies have created and supported over 310,000 jobs, injecting more than $6.8 billion into the economy. Beyond funding, RegCF has a tangible impact on job creation and economic resilience, highlighting its role as a cornerstone of economic development.
5. NASAA's Concerns
- NASAA has expressed opposition to H.R. 2799, citing concerns over potential risks to investor protection. While investor protection is paramount, the data and success stories from the crowdfunding sector suggest that the existing regulatory framework effectively balances access to capital with safeguards for investors (despite what NASAA says).
Conclusion
The momentum behind H.R. 2799 and the advocacy of Crowdfund Capital Advisors underscore a collective recognition of Regulation Crowdfunding's potential to transform the landscape of capital formation in the United States. By building on the foundation laid by the JOBS Act, this legislation aims to unlock new opportunities for entrepreneurs and investors alike, fostering an environment where innovation can thrive. As we look to the future, the continued success and expansion of investment crowdfunding hold the promise of a more inclusive, dynamic, and prosperous economy for all.
Download CCA's Letter --> 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, artificial intelligence, 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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CBDCs in Canada and Impact Drivers on Banking Choices
Bank of Canada Report | Feb 20, 2024
Image: Freepik/blossomstar
Bank of Canada's Latest Staff Report on the Effects of a CBDC in Canada and Banking Choices
On Feb 8, 2024, the Bank of Canada's staff released a research paper titled "Central Bank Digital Currency (CBDC) and Banking Choices' to dig deeper into the potential impact of the BoC introducing a CBDC on the Canada's financial ecosystem. This exploratory CBDC report uncovers the nuances between digital and traditional banking, presenting a unique opportunity for stakeholders to navigate through innovation, policy-making, and banking adaptation.
Research Insights: Service Network, Holding Limits, Nuanced Impact
- The success of a CBDC depends on how widely it can be used (its service network) and whether it offers features that complement existing financial products. If a CBDC doesn't offer something extra besides just being digital cash, it needs to be accepted in many places to truly compete with bank deposits.
See: BoC: Redefining Financial Inclusion for CBDCs
- Setting a cap on how much CBDC an individual can hold (i.e., holding limits) might prevent it from taking over traditional bank deposits. This approach aims to find a middle ground that encourages the use of CBDCs for everyday transactions without pushing people away from using bank services.
- Different groups will feel the effects of a CBDC introduction differently. For instance, larger banks might face different challenges compared to smaller ones, and people living in rural areas might benefit differently from those in urban settings.
Potential Implications for Fintechs, Policymakers, and Banks
For fintechs, the report signals a clear need for developing robust service networks that can support CBDC transactions, emphasizing the importance of digital infrastructure in enhancing the user experience.
Policymakers are tasked with a delicate balance, crafting regulations that promote financial stability while accommodating the transformative potential of CBDCs. The introduction of holding limits on CBDCs emerges as a key strategy to prevent the displacement of bank deposits, ensuring a harmonious integration into the existing financial system.
See: OMFIF Podcast: Smart Contracts and Retail CBDCs
Banks, both large and small, are urged to adapt, potentially adjusting deposit rates and services to stay competitive in a landscape that could see significant shifts in consumer preferences towards CBDCs. The report highlights the varied impacts of CBDC introduction, with implications varying across different market segments and geographical areas, underscoring the importance of tailored approaches to policy and banking strategy.
Predicting the Impact of a CBDC in Canada in years 1, 3 and 5?
Predicting the outcome of introducing a Central Bank Digital Currency (CBDC) by the Bank of Canada involves considering several factors, including technological adoption rates, regulatory developments, and market adaptation. Here's a theoretical and speculative outlook:
Year 1: Initial Rollout and Adaptation
- Early adopters begin using the CBDC for transactions, with uptake primarily among tech-savvy consumers and businesses looking for efficient, low-cost payment methods.
- Banks adjust their digital offerings to remain competitive, potentially integrating CBDC transactions into their digital platforms.
- Policymakers and regulators closely monitor the CBDC's impact on financial stability, consumer protection, and privacy.
See: Central Bank Digital Currencies on the Rise: 15 Retail CBDCs by 2030
Year 3: Expansion and Integration
- CBDC adoption grows, supported by an expanding service network and enhanced by complementary financial products.
- Banks may start offering new financial products tied to CBDC holdings or use CBDC transactions to streamline international payments and remittances.
- Fintechs innovate around CBDC capabilities, creating new services that leverage the digital currency's features for both consumers and businesses.
Year 5: Maturity and Widespread Use
- The CBDC becomes a standard payment method across Canada, widely used for a variety of transactions, from daily purchases to large, cross-border payments.
- The financial ecosystem adapts, with CBDCs coexisting alongside traditional banking products, each serving distinct needs.
- Policymakers continue to evolve the regulatory framework to ensure the financial system's integrity, adapting to new challenges and opportunities presented by widespread CBDC use.
See: UK’s Digital Pound Initiative Sparks Privacy Discussions
This speculative timeline considers the gradual adoption and integration of a CBDC into Canada's financial landscape, emphasizing the collaborative effort among banks, fintechs, and policymakers to ensure a smooth transition and the realization of the potential benefits of digital currencies.
Conclusion
The Bank of Canada's 2024 report on CBDCs offers an examination of how a digital currency could reshape Canada's financial ecosystem. By highlighting the necessity for a broad service network and complementary financial products, setting strategic holding limits, and acknowledging the diverse impacts on various stakeholders, the report provides crucial insights for fintechs, policymakers, and banks. As Canada contemplates the CBDC's future, its design and implementation and essential need to address key risks such as privacy, data security, financial stability, and digital divide are paramount.
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, artificial intelligence, 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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