Karsten Wenzlaff, Advisor
August 26th, 2025
Karsten Wenzlaff is a Crowdfunding and Fintech Expert from Germany. He is Secretary-General of Digit[...]
Category Archives: Entrepreneurs, Start-ups, Small Businesses
Wealthtech Startup, Allocations, Surpasses $2 Billion AUA
AI Innovation | March 1, 2024
Image from Allocations website
Streamlining Investment Documents and Democratizing Deals with AI
Per VentureBeat's briefing, Allocations, a pioneering fintech startup, has achieved a huge milestone by surpassing $2 billion in assets under administration, showcasing the burgeoning demand for alternative investments and the transformative power of artificial intelligence (AI) in the financial sector. Founded by Kingsley Advani, Allocations uses AI to streamline the process of private capital fundraising, making it faster, more efficient, and less costly. The platform's AI capabilities enable the instant generation of customized legal documents necessary for fund launching, such as private placement memorandums and operating agreements, a task that traditionally consumed hours of legal work and significant financial resources.
- By employing machine learning models trained on over 100,000 investment documents, Allocations can generate legal paperwork in seconds, a stark contrast to the traditional, labor-intensive process. This efficiency allows each employee at Allocations to service up to 70 funds, dramatically outperforming the industry average.
See: Revolutionizing the Legal Function Through Legal Process Automation
- Allocations is not just about efficiency; it's also about accessibility. The platform has facilitated investments in high-profile deals, including a $23 million investment in Leeds United and SPVs for SpaceX, OpenAI, and Anthropic. By automating the creation of legal entities and regulatory filings, Allocations lowers the barriers to entry for investing in alternative assets, enabling deals with minimum investments as low as $5,000.
- Allocations plans to launch a mobile app to cater to a generation that prefers managing finances via smartphones, aiming to power over $1 trillion in private market assets by 2030.
May Help
- By automating the generation of legal documents and facilitating the launch of funds with minimal effort, Allocations lowers the barrier to entry for smaller players. This democratization allows smaller asset managers and family offices to compete more effectively with larger institutions.
- The platform enables the creation of special purpose vehicles (SPVs) with lower minimum investments, making it feasible for angels and retail individuals to participate in deals that were previously out of reach due to high capital requirements. This opens up opportunities for a broader range of investors to engage in private equity, venture capital, and other alternative investments.
See: WealthTech in Asia-Pacific: A Trillion-Dollar Opportunity
- By facilitating easier access to capital through SPVs and other investment vehicles, Allocations can help startups and emerging companies find the funding they need more efficiently, potentially leading to a more vibrant and diverse innovation ecosystem.
Might Hurt
- The automation of tasks such as generating legal paperwork and performing compliance checks, which traditionally required significant manual effort and expertise, could reduce the demand for these services from traditional providers. This might lead to a shift in the market, where traditional roles such as fund administrators and law firms need to adapt to the new technology-driven landscape.
- While not directly hurt, large institutional investors might find the competitive landscape changing as smaller investors gain access to deals that were once exclusive to them. This could lead to increased competition for high-quality investment opportunities.
See: AI Metamorphosis in Venture Capital
- Individuals or entities that are slow to adopt new technologies or are skeptical of AI's role in investment decision-making might find themselves at a disadvantage compared to those who embrace these innovations.
Conclusion
AI-driven efficiency and accessibility are breaking down traditional barriers. This evolution empowers a wider range of investors to participate in alternative assets and also fosters a more inclusive and dynamic financial ecosystem.
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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SEC Intensifies Accounting Audits in 2023
Report | Feb 29, 2024
Sharp increase in SEC enforcement on accounting practices in FY 2023
The Securities and Exchange Commission (SEC) significantly stepped up its enforcement actions concerning accounting and auditing in the fiscal year 2023, as detailed in a recent report by Cornerstone Research as pointed out by at The D&O Dairy This marked increase, particularly pronounced in the fiscal year's final quarter, highlights the SEC's reinforced efforts to ensure financial transparency and uphold regulatory standards. With a 22% rise in accounting and auditing enforcement actions.
- The SEC initiated 83 accounting and auditing enforcement actions in FY 2023, a 22% increase from 68 actions in FY 2022. This represents the highest annual number of such actions since FY 2019, emphasizing a renewed regulatory emphasis on accounting standards and auditing integrity.
- Of the 83 actions, 71 (86%) were administrative proceedings, an increase from 75% in FY 2022. This indicates a preference for internal regulatory processes over civil court actions, with the SEC bringing 12 civil actions in FY 2023, down from 17 in the previous year.
- Among the individual respondents, 24% were CEOs, and 22% were CFOs. This highlights the SEC's focus on holding top corporate executives accountable for financial oversight. Approximately one-third of individual respondents were Certified Public Accountants, being scrutinized on professional ethics and responsibilities in financial reporting.
See: SEC’s Escalating Crypto Enforcement
- The SEC initiated 11 actions against non-U.S. respondents, up from 5 in FY 2022. Actions involved respondents from Canada, the Netherlands, Ireland, the UK, Singapore, and more, indicating the global reach of SEC's enforcement efforts.
- Despite the increase in enforcement actions, aggregate monetary settlements in these cases decreased by 7% to $583 million in FY 2023. Civil penalties constituted 33% of the total settlements, with the remainder attributed to disgorgement and prejudgment interest, highlighting the financial repercussions of non-compliance.
Why It Matters
The SEC's ramped-up enforcement actions in accounting and auditing during FY 2023 signal a clear directive towards enhanced financial accuracy and ethical auditing practices. For fintech executives, investors, and stakeholders, understanding and adapting to these regulatory dynamics is crucial for ensuring sustainable business practices and fostering a transparent financial environment.
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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Finliti and TerraZero Partner to Revolutionize Literacy and Investment
Partnership | Feb 29, 2024
Empowering Financial Literacy and Wealth Creation Through Intraverse Technology
In a press release today from BIGG Digital Assets Inc. announces a strategic partnership between its wholly-owned subsidiary TerraZero Technologies Inc. and FINLITI. This collaboration aims to revolutionize financial literacy and wealth creation opportunities through the use of TerraZero's "Intraverse" technology.
- The partnership focuses on building an immersive virtual experience accessible across mobile, laptop, and desktop platforms, where users can learn about their investor risk profile by building a character and navigating through the experience, akin to character creation in MMORPGs. This innovative approach is intended to engage new audiences within Finliti's network of brokerages and day-trading investor apps.
- TerraZero, known for its expertise in creating immersive virtual environments and web3 technology, has previously worked with notable clients such as Miller Lite, Estée Lauder, Fidelity International, and Warner Records.
See: Finliti Delivers Personalized Financial Insights Using the Power of Psychometrics
- The collaboration with FINLITI, a wealth management software company leveraging behavioral science for investment decision-making, aims to create gamified experiences that educate retail investors and uninitiated consumers about financial instruments and risk profiles. Finliti, led by CEO and Founder Jennifer Schell, emphasizes the importance of bringing financial awareness to everyday investors, allowing them to interact with simulated products before engaging in real-world trading.
- The partnership also seeks to leverage Blockchain Intelligence Group’s compliance and investigation services for crypto products and services demonstrated within these gamified environments.
This initiative is part of a broader effort to address the challenges faced by financial institutions and brokerages in adapting to significant wealth transfers and evolving investor needs.
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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Tech4SickKids – Innovate for a Healthier Tomorrow
Philanthropy | Feb 28, 2024
Drive Change: Support Tech4SickKids Now
We're helping rally innovators, influencers, and drivers of change—to join Tech4SickKids in a monumental challenge: raising $25 million to revolutionize SickKids with big-data solutions and a state-of-the-art hospital. This initiative isn't just about building walls; it's about breaking down barriers to the limitless possibilities of AI and modern medicine.
See: Bill Gates Announces $20 Billion Donation and Obligation to Return His Resources to Society
By aligning with Tech4SickKids, you join a community of forward-thinking entrepreneurs who understand that true success comes from making a positive impact on the world. This is your chance to leave a philanthropic legacy that transcends your business achievements, demonstrating the powerful role that entrepreneurs can play in solving real-world problems.
How You Can Join the Movement
- Donate: Every gift, whether one-time or monthly, fuels the fight. Your donation today is an investment in the future of pediatric care.
- Pledge Your Support: Through the Upside Foundation, tech founders can make a lasting impact by donating 1% of their company's equity at the time of sale or IPO. It's a simple way to give back that grows with your success.
See: Giving block reports, Crypto philanthropy jumped nearly 16x in 2021
- Leverage Your Corporate Clout: Encourage your company to match donations, become a sponsor, or initiate an employee giving program. It's an opportunity for corporate social responsibility that benefits everyone involved.
- Start Your Own Fundraiser: Engage your team and community by hosting an event in support of SickKids. Whether it's a gala, a hackathon, or a charity run, every event makes a difference. Find inspiration, register your event, and access our toolkit and resources to make your fundraiser a success.
Video: Precision Child Health Campaign
Erin Bury and Kevin Oulds, Co-founders Wilful:
"When we started Willful it was important for us to bake giving back into our strategy from day one. One early commitment we made was pledging 1% of Willful's equity to SickKids via The Upside Foundation. We're both passionate about having a world-class children's hospital available for our own kids and those in our community, so it was an easy choice to make. This has been a signal to employees, investors, and the larger community that we care about more than just the bottom line."
Take the Next Step
We invite you to learn more about how you can contribute to this transformative mission. Whether through equity pledges, offering your expertise, or advocating for the cause, your involvement can help build a new SickKids that stands at the forefront of pediatric healthcare innovation.
See: Bringing Good Ideas to Life: 13 Modern Ways to Innovate
For more information and to make your pledge, simply submit a pledge form at upsidefoundation.ca/pledge or reach out to Leonard Nolasco at leonard.nolasco@sickkidsfoundation.com
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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SEC vs. Canada: Cybersecurity Rules Overview
Cybersecurity | Feb 28, 2024
Image: Freepik/DC Studio
Comparing U.S. SEC and Canadian Cybersecurity Regulations for Businesses
The introduction of new SEC cybersecurity rules in 2023 has further highlightetd the importance of board involvement in cybersecurity oversight. Skadden, Arps, Slate, Meagher & Flom LLP wrote an informative article on emerging expectations for public companies in the U.S. Below we compare at a high level the new SEC rules with the Canadian regulatory landscape including implications for startups and scaleups.
United States
- The SEC mandates that public companies report material cybersecurity incidents within four business days of determining their materiality. Prompt disclosure fullstop.
See: OSFI’s New Security and Integrity Guideline 2024
- Companies are required to disclose their processes for identifying, assessing, and managing cybersecurity risks in their annual reports, including the board's oversight role.
- There's a strong emphasis on the board's active engagement in cybersecurity oversight, with specific requirements for documenting the board's oversight of cybersecurity risks.
Canada
- The Canadian Securities Administrators (CSA) issued guidelines in December 2023 rather than strict rules for cybersecurity disclosures. These guidelines encourage companies to disclose material cybersecurity risks and incidents but do not specify a strict timeline for disclosure like the SEC's four-business-day requirement.
- Canadian regulations tend to emphasize a risk-based approach, urging companies to consider the likelihood and magnitude of harm from cybersecurity incidents when determining materiality for disclosure purposes.
- Canada has robust privacy laws, such as the Personal Information Protection and Electronic Documents Act (PIPEDA), which require businesses to protect personal information and report breaches of security safeguards that pose a real risk of significant harm to individuals. This complements cybersecurity disclosure by focusing on the protection of personal data.
See: Blakes: Cybersecurity Trends in Canada: A 2023 Perspective
- Canada has implemented a national cybersecurity strategy that includes initiatives to improve the cybersecurity posture of businesses, including small and medium-sized enterprises. This strategy supports a broader approach to cybersecurity resilience across the economy.
Key Differences and Similarities
- One of the main differences is the mandatory nature of the SEC's disclosure requirements versus the more voluntary, guideline-based approach taken by Canadian regulators.
- The SEC provides a specific timeline for reporting material cybersecurity incidents, which is not explicitly matched by Canadian guidelines.
- Both countries emphasize the importance of protecting personal information, but Canada's approach is underpinned by specific privacy legislation that requires breach notification based on the risk of harm.
Implications for Startups and Scale-Ups
For startups and scale-ups in Canada, understanding both the Canadian and U.S. regulatory environments is critical, especially for those operating or planning to operate in cross-border contexts. While Canada's approach may offer more flexibility, the trend in both countries reflects a growing emphasis on transparency, accountability, and proactive risk management in cybersecurity.
See: Cavelo Inc. Raises CAD$5M to Advance Cybersecurity Solutions
Canadian companies, especially those considering going public or expanding into the U.S. market, should be mindful of these regulatory differences and prepare accordingly. Adopting best practices from both regulatory frameworks can enhance a company's cybersecurity posture and its attractiveness to investors and partners in an increasingly digital and interconnected business environment.
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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How To Leverage Business Loans To Boost Your Cash Flow
Feb 27, 2024
Steady cash flow is essential for all businesses, established or startups. Without enough cash on hand, you may struggle to cover operating expenses, invest in growth, or take advantage of new opportunities.
When in need of financing, many business owners turn to business loans to boost their working capital. These loans provide the finances they need to smooth out cash flow fluctuations, finance large purchases or projects, and consolidate high-interest debt.
This article explores how you can strategically leverage business loans to improve your cash flow situation. Read on!
1. Understand Your Cash Flow Needs
As a business owner, you must understand your cash flow needs before considering any loans. Analyze your monthly cash flow statement to reveal when you have the most cash coming in versus when you have significant outgoing expenses. This cash flow cycle likely has highs and lows at different times of the month or quarter.
Identify if there are periods where a quick influx of funds from a short-term loan could help ease the pressure of temporary low cash flow and propel you into a favorable position again. During these periods, consider exploring services from Credibly or other financial providers providing small businesses with flexible loans to avoid negative cash flow.
For instance, you can use a short-term cash flow loan to bridge the gap between your monthly rent due date and your upcoming revenue peak. This helps you avoid late fees or other penalties, allowing you to focus on core business operations without cash flow disruptions.
2. Choose The Right Type Of Loan
Business loans come in various forms, each with its own set of terms, interest rates, and repayment structures. To leverage them effectively, you must understand their terms and select the option that aligns with your business needs and cash flow patterns.
The principal loan types to consider include the following:
- Line of credit: A line of credit provides flexible funds up to a set limit so you can cover costs as needs arise. The best part is that you pay interest only on the amount used, making it an affordable way to manage cash flow fluctuations. Consider hiring Credibly to help assess your needs and offer flexible lines of credit or fast funding options that meet your specific needs.
- Terms loan: As you grow your business, you may need a large lump sum for significant purchases like new equipment or office renovations. This is where a term loan can help. It provides the total amount upfront and allows you to repay it in fixed installments over a set period, usually 1-5 years. This will enable you to make significant one-time investments that may take your company to the next level.
- Inventory financing: Inventory financing provides access to capital for purchasing and carrying inventory. This enables you to maintain maximum inventory levels to meet customer demand and frees up your funds to cover other operating expenses. Also, you only pay interest on the amount borrowed to buy inventory.
- Invoice factoring: Invoice factoring provides immediate cash flow by selling your unpaid customer invoices to a financing company at a discount. This company advances you a percentage of the invoice amount, often 70-90%, and then collects payment from your customers. The remaining balance, minus fees, is given to you once the client pays the invoice in full.
These are some of the conventional business loans available in many banks and lending institutions. You can also consider alternatives to traditional loans, such as Small Business Loans (SBA), merchant capital loans, and crowdfunding.
3. Develop A Strategic Repayment Plan
When taking a business loan, develop a strategic repayment plan tailored to your revenue streams. Review cash flow projections and account for seasonal dips or spikes. A restaurant, for example, may earn less in the winter months.
With slower revenue, larger loan payments could burden the business. Consider this seasonality when choosing ideal repayment terms and factor in expenses like payroll and inventory purchases that impact cash flow.
Ultimately, select loan terms that align with your financial forecasting. If possible, make lower payments in the slower months and higher payments when your business is at its peak. An adaptable repayment schedule demonstrates financial responsibility without squeezing your cash flow.
4. Evaluate The Cost Of Borrowing
When considering a business loan, you must thoroughly evaluate the costs to make financially sound borrowing decisions. Look beyond the interest rate and examine the fees, repayment timeline, and Annual Percentage Rate (APR) to gauge the total cost.
Origination fees or prepayment penalties add to your expenses. Conversely, a longer repayment term may lower monthly payments but increase interest costs over time. For instance, a USD$50,000 loan at 6% interest would cost USD$55,000 over five years and USD$70,000 over ten years. Therefore, understand how these business loan repayment terms impact your cash flow long term before settling.
Conclusion
Leveraging business loans to boost cash flow is a strategic decision that can impact the trajectory of your business. You can ensure that borrowing serves as an effective tool for growth and financial stability by carefully assessing your needs, selecting the correct type of loan, understanding the costs involved, and developing a strategic repayment plan. Remember, the goal is to increase cash flow and invest wisely in opportunities that enhance your business's profitability and long-term success.
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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CCA Report: Investment Crowdfunding 2024: Key Insights
Report | Feb 27, 2024
Image: Cover
Impact of Investment Crowdfunding: Insights from the 2024 Trends Report
Crowdfund Capital Advisors just opened up complimentary access to the "Investment Crowdfunding Trends 2024" report, a comprehensive analysis leveraging data up to December 31, 2023, offering invaluable insights into RegCF markets in the U.S., trends, and impact on the economy, business, and investors. The article below is a snapshot of living markets. Download the data-driven report to stay informed and learn the financing and investment opportunities in regulation crowdfunding markets to see if it's right for your portfolio or business.
Overview of Investment Crowdfunding (up to Dec 2023)
Investment crowdfunding has emerged as a transformative force, redefining access to capital and igniting economic growth.
See: Neiss Advocates for Economic Growth via H.R. 2799
- Issuers/Deals: Over 6,800 issuers with more than 8,000 deals
- Cities across the United States: Participation from over 1,800 cities
- Funded Capital: $2.2 billion
- Investors: More than 1.9 million
- Jobs Created: Approximately 310,000
- Economic Stimulus: $6.8 billion annually
- Enterprise Value: $75.6 billion
- Compound Annual Growth Rate (CAGR): 59%
Platform-Specific Insights
- Investor Count by Platform: The top 3 platforms receive most of the industry’s checks written
- Average Check Size by Platform: Fundify has the largest average check size
- Success Rate by Platform: Success rates vary, depending significantly on minimum funding targets
- $1m+ Raise Count by Platform: Wefunder leads in the million-dollar club
- Economic Stimulus by Platform: Issuers on StartEngine have the greatest economic impact
See: U.S. RegCF Trends: Investment Engagement by Age
Business Maturity Insights
- Investor Preference: Investors generally prefer investing in established companies
- Average Check Size by Business Maturity: Larger checks are written to established issuers compared to startups
- Success Rate by Business Maturity: Established issuers have a higher success rate
- $1m+ Raise Count by Business Maturity: More established issuers are in the $1M+ club, though many startups also achieve this milestone
Other Insights
- Total Investments: Investors show a preference for funding equity issuers despite opportunities in debt
- Average Raise: Equity issuers tend to raise the most
- Investor Count: Equity investors far outweigh debt investors
- Average Check Size by Financing Type: Larger checks are typically written to debt issuers, possibly attracted to immediate returns
- Deal Count by Region: The West, particularly California, leads in deal count and investment amounts, showcasing regional disparities in crowdfunding activity
- Investments and Revenue Growth: There's an average growth in revenue of 284.5% between the year an issuer was successful and the following year, indicating significant financial growth potential for companies utilizing investment crowdfunding
See: Current State of Crowdfunding in Europe 2023 Market Report
- Business Longevity: Only 17.8% of funded companies have gone out of business, compared to the Bureau of Labor and Statistics report that approximately 50% of all new businesses fail within 5 years, suggesting a higher sustainability rate for crowdfunded companies
- Role in Financing: Investment crowdfunding dollars as a percentage of VC pre-seed/seed investments are increasing, highlighting its growing importance as an alternative financing source
Conclusion
This "Investment Crowdfunding Trends 2024" is data-driven proof of the sector's resilience, potential, and transformative impact, offering significant alternative finance options for entrepreneurs, investors, and the broader economy. Through democratizing access to capital, fostering job creation, and stimulating economic growth, investment crowdfunding stands as a beacon of progress and opportunity. Stay tuned for an upcoming episode of Fintech Fridays podcast with Sherwood Neiss, Co-Founder of Crowdfund Capital Advisors.
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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