Karsten Wenzlaff, Advisor
August 26th, 2025
Karsten Wenzlaff is a Crowdfunding and Fintech Expert from Germany. He is Secretary-General of Digit[...]
Category Archives: Enterprise, Scaleup
Is the BRICS Alternative Currency Plan Falling Apart?
BRICS | Dec 3, 2024
Image: Freepik/ibrandify
BRICS Nations Weigh Gains and Risks as New Currency Idea Faces Challenges
The original BRICS member nations including Brazil, Russia, India, China, and South Africa previously announced their bold vision to challenge the dominance of the U.S. dollar by creating a shared currency. The plan hatched and promised an alternative currency and payment system that would be free from the influence of U.S. sanctions and monetary policy.
See: Central Banks Favour USD and Gold Amidst De-dollarization
Lord Lamont of Lerwick stated:
"If it ever happened, it would be a major threat to the Western-led financial system, but above all it would make it impossible for the West to impose sanctions on countries like Russia, China or Iran or other malign countries."
But is the dream now unravelling?
Trump Threatens 100% Tariffs
Just a few days ago, U.S. President-elect Donald Trump announced that American wasn't going to sit by idly while BRICS trading bloc tries to circumvent the U.S. dollar and threatened to implement a 100% tariff on BRICS nations if they launch an alternative currency. He also demanded commitment from these countries that that would and abandon any de-dollarization efforts.
The idea that the BRICS Countries are trying to move away from the Dollar while we stand by and watch is OVER. We require a commitment from these Countries that they will neither create a new BRICS Currency, nor back any other Currency to replace the mighty U.S. Dollar or, they…
— Donald J. Trump (@realDonaldTrump) November 30, 2024
Growing Divide Among BRICS Members
Russia isn’t backing down arguing that Trump's threats could backfire by pushing even more countries to consider alternatives other than the dollar.
See: Credit Suisse: Statecraft and De-dollarization
Dmitry Peskov, Kremlin spokesman:
"[The dollar is losing its appeal as a reserve currency for many countries, a trend that is gathering pace]. More and more countries are switching to the use of national currencies in their trade and foreign economic activities. If the U.S. uses force, as they say economic force, to compel countries to use the dollar it will further strengthen the trend of switching to national currencies (in international trade)."
Recent reports say that some BRICS members may be stepping back from the initiative due to varying economies and conflicting monetary policies that are anticipated to be difficult to overcome. Each country has unique economic needs so a one size fits all approach to a currency solution is tricky. For example, China is an economic powerhouse and may prioritize its own currency at the expense of smaller nations.
What Does Each BRICS Nation Stand to Gain?
Is it a zero sum game with a clear winner and loser?
China is best positioned to benefit if a BRICS currency takes off. They are the largest economy in the BRICS trading bloc and Beijing could use the initiative as a stepping stone to boost the yuan's role in global trade. China is strategically looking to increase its global influence so its beyond just economics. Critics are concerned that such dominance by China would come at the expense of smaller BRICS members.
See: SWIFT Launching CBDC Solution Within 2 Years (to Compete with BRICS)
Russia, currently at war with the Ukraine and constantly at loggerheads with the U.S. has a lot riding on the idea of an alternative BRICS currency. Russia is currently facing a litany of sanctions and economic isolation so an alternative to the U.S. dollar could help stabilize Russia's economy and offer it a better hand on the geopolitical global stage. Conversely, a failed BRICS currency could force Russia into a rock and a hard place.
India is being more cautious as it understands that while a BRICS currency may make trading easier within a bloc, it could give China more control. India has its own massively growing economy and aspirations so it's walking a fine line that balances cooperation while protecting its independence.
For Brazil and South Africa the risks are high with smaller rewards since their economies are much smaller and they may struggle to stay competitive in a system dominated by China and Russia. So while they may be benefits for a larger block, their smaller interests could easily get pushed to the side so the benefits aren't as clear nor are they guaranteed. Having said that Brazil has been a strong advocate for a BRICS currency system over the dollar.
Global Financial Shift in the Making
While the U.S. dollar is still dominant, cracks are appearing as some countries are seeking alternatives to U.S. economic sanctions or geopolitical strategies. Since trading nations are deeply integrated and affect global markets, any significant changes to currency dynamics could have serious global impact. It could appear as shifting exchanges rates, new supply chains / trade flows and different financial alliances.
See: Tax-Free Bitcoin Zone Proposed by the USABTC
Companies and policymakers need to remain agile. Even if the BRICS currency initiative fails, its a movement that gained momentum and certainly a trend that the world cannot ignore.
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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UK’s Regulatory Crypto Roadmap from Sandbox to Mainstream
Crypto Regulation | Dec 2, 2024
Image: Freepik/bedneyimages
UK to Launch Comprehensive Regulatory Framework for Crypto Assets by 2026
The United Kingdom (UK) is preparing to launch a comprehensive framework for cryptoassets and has released a roadmap that sees final rules published in early 2026. The UK has been at the forefront of fintech regulations for years with initiatives like the Digital Securities Sandbox, and now they have plans for stablecoin regulation and more. The UK is setting the standard for responsible yet progressive governance in the digital asset sector. Let's see what's being planned and what it means for industry participants.
A Look at the Roadmap (view PDF)
Here’s the phased timeline that should allow sufficient time for stakeholders to adapt and prepare.
See: Rachel Reeves: UK’s Financial Innovation Blueprint
- Late 2024: The FCA will release papers covering issues like market abuse, trading platform rules, and disclosure requirements.
- Q1/Q2 2025: Consultations start on draft legislation for key areas such as stablecoin regulation, custody services, staking, and prudential requirements.
- Q3 2025: The FCA will review input and finalize standards for consumer protection, operational resilience, and governance.
- Q4 2025: Final consultations will focus on platforms, intermediation, and lending.
- Early 2026: Final rules published and the application process opens for firms seeking authorization.
- Q3/Q4 2026: The new regulatory framework goes live.
More Than Just Rules
In addition to the digital asset regulatory framework which is paramount, the UK is launching a couple of key blockchain initiatives to support innovation and modernize its financial infrastructure. Both initiatives were mentioned in the Keynote at the Tokenisation Summit by Tulip Siddiq MP on Nov 21, 2024 and aim to build trust, attract investment, and enable the crypto sector to grow responsibly.
1. Digital Securities Sandbox (DSS)
The sandbox is a controlled environment for companies to test blockchain-based securities solutions (i.e., security tokens). This will allow businesses to experiment with new platforms for creating, trading, and settling securities under the supervision of regulators. By allowing experimental yet real transactions in a monitored space the digital securities sandbox aims to bridge innovation with regulatory oversight. Learn more
2. Digital Gilt Instrument (DIGIT)
DIGIT is an innovative UK government project to issue government bonds (known as 'gilts') using blockchain technology. It will be a pilot program that will actually run in the Digital Securities Sandbox mentioned above with the goal of making the process of issuing and managing government debt more efficient, transparent, and secure. DIGIT is part of the UK's modernization efforts and is expected to launch alongside of the upcoming crypto regulatory framework in 2026 while also encouraging innovation in digital assets.
See: Overcoming Barriers to Growth in Financial Regulation
Tulip Siddiq MP, Economic Secretary to the Treasury:
“If we are to maintain the UK’s position as a leading financial services hub, we need to lean into the emerging and disruptive technologies that could change our industry dramatically in the coming years.”
Implications and Outlook
The UK’s roadmap will impact the entire crypto ecosystem from businesses looking for regulatory clarity to consumers who the rules were meant to protect while making digital asset transactions more transparent, safer, and with more confidence. Innovators will benefit from both the digital securities sandbox initiative and tokenisation projects like DIGIT.
Stay up to date: Subscribe to NCFA's Weekly News & Insights newsletter
The bottom line is finally moving out of the fringe shadows and moving towards becoming a key part of the global financial system. The UKs commitment to developing its crypto framework in a balanced and responsible way may just well be the tipping point of no return.
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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RPAA Registration Deadline Passed See Who Applied
RPAA | Dec 2, 2024
Image: Freepik/rawpixel.com
Retail Payments Supervision Update from the Bank of Canada (Registration Deadline Has Passed)
- The first registration period for payment service providers (PSPs) under the Retail Payments Activities Act (RPAA) ended on November 15 (see BoC's Retail Payments Supervision mandate).
- Companies that missed the deadline may be in violation of Section 104 of the RPAA and could face enforcement measures. See Supervisory framework for registration.
See: Canada’s Retail Payments Boom: $11.9 Trillion Growing Fast
- The Bank of Canada urges unregistered PSPs to apply immediately through the PSP Connect portal to avoid non-compliance.
Who Applied?
The Bank of Canada has published a list of applicants (currently 1187) including many key players in Canada’s retail payment space. This list will be updated regularly and will show all registered PSPs once the transition period ends on September 8, 2025.
PSPs must comply with regulations to manage risks and protect user funds. The Bank of Canada emphasizes the importance of compliance and is committed to supporting PSPs in understanding their responsibilities under the RPAA.
New Guidelines Coming
A new guideline on protecting users' funds will be published shortly which contains key information for payment service providers to meet their responsibilities.
See: Key Findings from 2025 Advanced Payments and Fintech Survey
Stay tuned for more updates...
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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Canada Sues Google Over Anti-Competitive Ad Practices
Competition | Nov 28, 2024
AI Image
Canada's Competition Bureau Sues Google for Anti-Competitive Practices in Online Advertising
The US, UK, and EU are finally getting tougher on Google's search monopoly, and the Competition Bureau of Canada is now suing Google) too for anti-competitive behaviour that unfairly blocks competition and maintains control over core tools used by advertisers and publishers. The Bureau says Google's unfair practices costs advertisers and publishers which hinder the Canadian economy and restrict innovation.
What’s Google Being Accused Of?
The area of focus in this case is Google's advertising tech stack which is a series of tools that connects buyers and sellers of advertisements that Google controls to dominate the the sector. Google allegedly forces businesses to use its tools by making them work better with Google Search than any other competitor's tools.
See: DOJ Wants to Break Up Google’s Search Monopoly
They also prioritize its own products in ad space auctions, and restrict publishers from working freely with other platforms, limiting the competition while boosting their control. At the end of the day, anti-competitive practice forces advertisers to pay higher costs which are passed onto consumers who pay higher prices, hurting Canadian businesses and consumers.
What's Next?
The Bureau has taken the case to the Competition Tribunal and is asking them to force Google to sell parts of its advertising tech business to create a more open market. They also are asking Google to stop these anti-competitive practices and pay financial penalties to ensure compliance with Canadian competition laws. Google of course disagrees and plans to defend itself in court, saying there's a lot of competition in online advertising and that businesses have many options.
Outlook
This is a big case for Canada who has increased efforts to address monopolistic practices in the digital economy.
See: Competition Act Amendments and What It Means for Fintech
If the Competition Bureau, it will impact how Google operates its ad tech business in Canada hopefully lowering costs for advertisers while increasing revenue for publishers, and spur more innovation and competition in the market. Does this case smell similar to the Canadian banks and the need to strengthen competition in the financial sector?
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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Governance Health Check Framework: How to Perform a Corporate Governance Review
November 29, 2024
Image: Freepik/master1305
Every organization should be carrying out a regular governance health check — but what should businesses focus on? Governance expert reveals their trusted health check framework.
Effective governance can never be a ‘set and forget’ endeavor — it needs to be continually monitored, reviewed, and modernized for the business to see its full benefits.
As Marc Hodak, Partner at Farient Advisors, said at Diligent’s user conference, “Good governance is ultimately what is right for the long-term health of the company.”
Diligent, a leader in modern governance, highlights the need for organizations to conduct regular health checks in order to maintain good governance, effectively manage risk, foster diversity and inclusion, and react to the needs of shareholders and the wider society.
In the same way you’d send your vehicle for a regular check-up to help to identify hidden issues so you can proactively address them and drive smoothly, regular governance health checks are also crucial. A deep governance check can uncover potential gaps or weaknesses in the governance structure, allowing businesses to quickly adapt to changing regulatory landscapes, emerging risks, and evolving business needs.
What steps do organizations need to take to complete a corporate governance health check? In the framework below, Diligent’s experts outline how to perform a governance health check to proactively respond to the evolving corporate landscape, empower sustainable growth, and uncover any hidden issues,
The fundamental principles of corporate governance
Good corporate governance considers the rules, practices and processes that guide an organization towards its goals through effective operations and clear decision-making.
Six key principles of corporate governance were issued by the G20 and the Organisation for Economic Co-operation and Development (OECD) in 2023. This guidance assists policymakers in evaluating and improving legal, regulatory, and institutional frameworks while also serving as a guide to help corporations innovate and adapt in a competitive world.
- A clear corporate governance framework. Just like a car requires a solid frame to remain effective over time, good corporate governance requires a strong foundation that supports efficient allocation of resources.
- The rights and equitable treatment of shareholders and key ownership functions. As the owners of a publicly traded corporation, shareholders must be allowed to participate and vote in general meetings, elect and remove members of the board, and approve or participate in fundamental corporate decisions.
- Institutional investors, stock markets, and other intermediaries. Considering those with an interest in the company is a foundational element of corporate governance; brokers, institutional investors, credit rating agencies, analysts, and proxy advisors all require oversight for fair and effective functioning.
- Transparency and disclosure. If a decision affects the material health of a publicly traded company, boards must make investors aware promptly. Corporate governance requires clear, transparent communication with all shareholders and stakeholders.
- The responsibilities of the board. It’s essential the board structure supports effective oversight and accountability so directors can exercise objective and independent judgment, oversee risk, and monitor managerial performance.
- Sustainability and resilience. To ensure a company can withstand change and thrive well into the future, sustainability frameworks, practices, policies, and incentives are integral elements of corporate governance that yield long-term success.
Diligent’s governance health check framework
- Keep up with the news and public opinion. News and public opinion are powerful yet often underutilized sources of information, with many organizations failing to recognize customer and stakeholder perceptions until it’s too late. Keeping abreast of industry news and public opinion helps you better understand public sentiment to ensure your actions don’t have a negative reaction.
- Pinpoint where your business stands. It’s important as part of your governance health to understand your risk and where you stand within your industry. Are you a leader in the field, or is there room for improvement? This data you gather will help you identify gaps and create SWOT analysis reports, which are the basis from which to generate risk and other corporate strategies.
See: UN’s Blueprint for AI Governance and Global Representation?
- Assess sustainability frameworks. Take climate change and the transition to net zero: do you understand the potential risks of moving from fossil-fueled operations to renewable energy sources? What are the risks of not doing so, like non-compliance with evolving regulations or a poor reputation among environmentally-minded future workers? Good corporate governance enables sound management of these risks.
- Review the diversity and inclusivity of your board. Effective governance’s “participatory” nature means boards and organizations must be equitable and diverse. Moreover, these diverse board members and employees need an active voice in corporate decision-making: does your board include and value the views of people with various skills, talents, abilities, experiences, and perspectives?
- Return to your organization’s strategic plan. A strategic plan ensures boards understand where the corporation is going and how it will get there. As part of a governance health check, it’s important to revisit your strategic plan to ensure the decisions you make about the future of the business align with the organization’s overall mission, vision, and values statements.
Once you’ve completed your governance health check, keep up with organizational changes and evolving stakeholder needs through real-time data dashboards for board and leadership collaboration.
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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Trump Media Files Trademark for Crypto Platform ‘TruthFi’
Crypto | Nov 27, 2024
Image: Freepik
Trump Media Group Trademarks 'TruthFi' for Crypto Payments Platform
Trump Media & Technology Group (TMTG) who owns Truth Social recently filed a trademark application to the U.S. Patent and Trademark Office (USPTO) for "TruthFi", a cryptocurrency payment platform on November 18, 2024.
Based on the trademark application filing, TruthFi will be a platform to facilitate cryptocurrency transactions, so digital asset services could involve a digital wallet, card payment processing, asset management, custody or trading. Details and launch date were not mentioned but the filing aligns with TMTGs announcement to expand into digital asset services.
Conflict of Interest?
As Trump broadens his interest and assets in the world of crypto, it raises questions about conflict of interest issues given that Trump has dual roles as President-elect AND the owner of businesses that could benefit from favourable regulations. Also, Trump has previously declined to divest from his business empire and has not suggested that he has plans to do so during his upcoming term.
See: Meme Coin Chaos and Wild West of Viral Tokens
Richard Painter, Ethics lawyer:
“It’s a huge problem but it’s not a Trump specific problem. Just like it’s a huge problem that members of Congress are trading crypto while they fail to pass legislation regulating crypto and accept huge amounts of donations from the crypto industry.
President Trump ought to do what every other president has done: Divest personal assets, Trump Organization assets, everything that creates a conflict of interest with his official duties. And that includes Truth Social and crypto.”
Broadening Crypto Involvement
- Trump's campaign promise was to make the U.S. the “crypto capital of the planet.”
- He also vowed to replace outgoing SEC Chairman Gary Gensler with a more crypto-friendly appointee.
- He's launched several Trump-related digital NFT collectibles (Mugshot Edition, Trump Cards)
- Reportedly, Trump is in discussions to purchase crypto trading platform Bakkt (news drove up stock price by 160%)
- In September, Trump launched World Liberty Financial, another crypto-focused business. (Justin Sun, Founder of Tron Blockchain, purchased $30 million of WLFI tokens)
- Trump's family also launched crypto platform the 'Defiant Ones
The Bigger Picture
Trump's new trademark and growing interest in cryptocurrency shows how closely his businesses are getting involved with the crypto world.
See: Gary Gensler Resigns as SEC Chair, Leaving January 20
As his administration takes office in the new year, the decisions it makes about crypto regulation will shape the future of the sector in the U.S. while also likely benefiting his own companies profit.
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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Databricks Close to $55 Billion Valuation New Funding
Financing | Nov 27, 2024
Image of databricks logo
Databricks Nearly $55 Billion Giant Shaping AI and Fintech
Reuters reported that Databricks is in talks to raise an additional $8 billion in a new funding round that would push the data analytics and artificial intelligence (AI) giant towards a company valuation o f $55 billion or one of Silicon Valley's most profitable private firms. Why are they raising this capital now and what does it mean for the future?
Why Raise Capital Now?
Most funding rounds are strategic and this time is no different as Databricks positions itself as a data leader in global AI and data analytics markets. Reported global revenue as of Jan 2024, was $1.6 billion for a 50% increase over the prior year.
A large chunk of the funds will be via secondary share sales, allowing early investors and employees to cash in on some of their shares which will boost employee morale without impacting operational budgets. The funding will also help cover tax liabilities associated with these secondary share sales which could cost billions.
Also this round avoids the pressures of going public. By raising capital in private markets or internally, Databricks avoids the volatility and regulatory scrutiny of public markets.
Driving Innovation and Growth
The funding will speed up development of generative AI solutions and machine learning products so Databricks can compete with tech giants like Microsoft and Google in the space. Its Lakehouse Platform has been a cornerstone of their success and a key solution for companies looking to harness big data and AI. Over 10,000 organizations globally use it already including 40% of Fortune 500 firms.
See: Canada’s $300M AI Funding Targets SMEs for Growth
The funding allows them to strengthen their M&A strategy which will help confirm its market leadership and acquire new assets to strengthen its overall offerings like the $1 billion acquisition of Tabular earlier this year. As AI adoption grows worldwide, Databricks aims to expand to new and emerging markets with untapped potential for data-driven technologies.
Powering Fintech Solutions with Customers and Partners
Databricks is working closely with financial institutions, fintechs, and strategic partners to deliver innovative data analytics and AI solutions to improve efficiency and better service customers, such as:
- TD Bank has modernized its data infrastructure to deliver personalized services using Databricks on Microsoft Azure.
- Cash App uses Databrick's Delta Lake for efficient and secure data management to deliver quicker financial insights and risk management.
- Coastal Community Bank CCBX division uses Databricks to collaborate with fintech startups to deliver streamlined, compliant banking services.
See: Federal Agencies Start Working on Financial Data Transparency Act
- Finastra collaborates with Databricks to bring generative AI to financial services to clients. (NB: Finastra is dealing with a breach)
- EY recognized Databricks as a key partner of the year and uses its platform to improve decision-making for global business clients.
- NVIDIA partners with Databricks to optimize AI workflows and deliver advanced machine learning capabilities for customers.
Outlook
Databricks closing in on a $55 billion valuation and new $8 billion funding round mostly secondary shares in private markets will be another win for a Silicon Valley giant. With its Lakehouse Platform and AI tools already transforming fintech, Databricks is at the forefront of data and business intelligence 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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