We have to adjust our assessment of government action to the realities of our new world
Karsten Wenzlaff, Advisor
August 26th, 2025
Karsten Wenzlaff is a Crowdfunding and Fintech Expert from Germany. He is Secretary-General of Digit[...]
Category Archives: Fintech Opinions
Pros and Cons of a Distributed Workforce
Guest Post | Apr 1, 2022
Distributed workforces are growing increasingly common, even as COVID-19 restrictions ease. Having employees work from all around the world is too beneficial for companies to pass up. But with the pros of a distributed workforce, there are also some cons. Keep reading to find out what they are.
Pros:
Increased Productivity
Contrary to popular belief, research shows that productivity increases with a distributed workforce. Remote workers feel motivated and are more likely to work overtime from the comfort of their homes.
Larger Candidate Pool
A distributed workforce allows companies to choose from a broader set of candidates for each role. This is great if you’re looking for very in-demand specialists like developers or engineers. But finding top talent might also be more challenging due to the increased number of applicants. A distributed workforce allows companies to choose from a broader set of candidates for each role. This is great if you’re looking for very in-demand specialists like developers or engineers. But finding top talent might also be more challenging due to the increased number of applicants. By utilizing tools such as third-party staffing agencies and attending staffing webinars, you can be sure to find top talent in the roles you are looking to fill.
Diversity
Having employees from a wide range of backgrounds, beliefs, and ideals can boost innovation. There are two forms of diversity:
- Inherent - traits someone is born with like gender, ethnicity, race, etc.
- Acquired - traits someone acquires through experience.
To reap all benefits, a team should include both forms of diversity.
Read: 58 Must-Read Remote Work Resources | 50 Great Remote Working Resources
Improved Work-Life Balance
Most remote employees enjoy an improved work-life balance. A distributed workforce allows employees to easily plan their day without worrying about how they’ll get to and from work. They can also take more efficient breaks at home, making them more productive when they’re working.
More Savings
A diversified workforce brings savings both to organizations and employees. Companies save on renting costs for offices or parking spaces. Workers don’t have to worry about travel expenses or food. Not commuting to work also reduces the carbon footprint, which is good for the environment.
Cons:
Increased Security Risks
A distributed workforce means more security risks as all communication and file transfers have to be done online. Having solid cyber hygiene is crucial. This includes protecting devices with antivirus software and firewalls, using tools for password security, etc.
Managing Employees
Without face-to-face interaction, it can be challenging for management to direct employees and gauge their performance. It’s important to hire reliable staff and use tools like online calendars or to-do lists to keep track of what employees are doing.
Isolation
Remote workers might start to feel isolated from their company, leading to stress and anxiety. Managers will have to keep these employees happy and productive. First, it’s important to promote honest communication and organize remote team building activities. Additionally, you can provide therapy sessions or a subscription to a mental health app like Mindletic or Yoursapp.
Motivation Challenges
Some employees may have difficulty staying motivated without seeing others around them being productive. Procrastination and a laid-back attitude can easily become a habit, leading to a downfall in one’s professional life. Establishing a dedicated workspace and limiting distractions is crucial to remaining productive outside the office.
Final Thoughts:
If a company isn’t tied to a physical location, people can work from anywhere. A distributed workforce brings many benefits, but there are also several drawbacks. By understanding them and taking steps to reduce the negative effects, businesses can make the most out of their remote work model.
The National Crowdfunding & Fintech Association (NCFA Canada) is a financial innovation ecosystem that provides education, market intelligence, industry stewardship, networking and funding opportunities and services to thousands of community members and works closely with industry, government, partners and affiliates to create a vibrant and innovative fintech and funding industry in Canada. Decentralized and distributed, NCFA is engaged with global stakeholders and helps incubate projects and investment in fintech, alternative finance, crowdfunding, peer-to-peer finance, payments, digital assets and tokens, blockchain, cryptocurrency, regtech, and insurtech sectors. Join Canada's Fintech & Funding Community today FREE! Or become a contributing member and get perks. For more information, please visit: www.ncfacanada.org
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Meridian CEO says Open banking is ‘an opportunity’ for credit unions
FP | | Mar 23, 2022
Meridian Credit Union Ltd. is looking at open banking as “an opportunity, not a problem,” says Jay-Ann Gilfoy, who took over as president and chief executive of Ontario’s largest credit union in January.
“We’re looking at it as: ‘How can this help us grow? How can this help us do the right things for our members?‘”
Gilfoy said in a recent interview with the Financial Post.
See: PwC’s Abraham Tachjian to be Canada’s open banking lead
I think we’re on a good path in terms of being able to address that as it relates to fintech partnerships and opportunities,” she added. The credit union system as a whole has certainly come from a cooperative framework … and then on top of that, we also share back-end resources — all of the technical things that help with making payments happen,” she said.
Settlement and clearing, for example, are done through credit union “centrals” that are cooperatively owned by credit unions in each province where they operate.
The big banks, by contrast, have legacy internal technology systems built up over decades and many more customers across the country.
“If you have a banking system, you’ve got millions and millions of customers on it. The risks of getting off that core banking system are really high,” said Gilfoy.
See: Ontario Credit Unions will be permitted to sell exempt market securities including 45-108-Crowdfunding
“Whereas credit unions have a variety of different core banking systems, but more modern, I think, in terms of design and ability.”
“We’re looking at our own technology, and our abilities to share data, protect data, make sure it’s safe from an information security perspective, but (also) we’re finding those potential partnership relationships that bring some kind of opportunity to our members, that maybe they would have had to go to a number of different places in the past to do so.”
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The National Crowdfunding & Fintech Association (NCFA Canada) is a financial innovation ecosystem that provides education, market intelligence, industry stewardship, networking and funding opportunities and services to thousands of community members and works closely with industry, government, partners and affiliates to create a vibrant and innovative fintech and funding industry in Canada. Decentralized and distributed, NCFA is engaged with global stakeholders and helps incubate projects and investment in fintech, alternative finance, crowdfunding, peer-to-peer finance, payments, digital assets and tokens, blockchain, cryptocurrency, regtech, and insurtech sectors. Join Canada's Fintech & Funding Community today FREE! Or become a contributing member and get perks. For more information, please visit: www.ncfacanada.org
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What to Know About Borrowing Against Crypto
Guest Post | Mar 25, 2022
The world of crypto is at this point advancing toward being mainstream very quickly. Cryptocurrency is something more and more people are using for transactions and as a payment method. Crypto is also an investment opportunity.
Beyond those applications, crypto borrowing and lending are growing in popularity as well.
Crypto lending is a type of Decentralized Finance or DeFi. With DeFi, investors can lend their crypto to borrowers. The benefit for a lender is that you can get interest payments in exchange, which are known as crypto dividends. There are a number of platforms specializing in lending crypto.
While the benefits of acting as a lender may be apparent—you can earn on your holdings passively, what about the perspective of a borrower?
Below, we delve into some of the things to know about borrowing against crypto and the pros and cons of doing so.
An Overview of Crypto Lending
Crypto lending, as mentioned, lets people who hold crypto have the potential to earn interest on it.
If you’re someone with ten bitcoins as an example, and you want to earn a steady stream of passive income, you can deposit them into a crypto lending platform wallet. Then, every week or month, you receive interest.
Interest rates vary. On the low side, interest rates may be around 3%, and on the high side, as much as 17%.
Borrowers can stake their cryptocurrency as a guarantee that they’ll repay the loan or as security. Then, investors can sell their crypto assets in the event the borrower doesn’t pay off the loan, providing a route to cover losses.
Most platforms will ask a borrower to stake anywhere from 20% to 50% of the loan in crypto.
A third party is required to connect a borrower to a lender. A borrower can be an individual as well as a business requiring funding.
There are a few steps that occur in general in the process.
The borrower finds a platform they want to use. Once they identify the platform, they request a crypto loan.
A borrower stakes their crypto collateral when the loan request is accepted by the platform. Until the borrower can pay back the loan in its entirety, they won’t be able to get back the stakes.
The lender automatically funds the loan through the platform. The lender then receives regular interest payments. Once a borrower pays off the complete loan, they get back their collateral crypto.
Common Features of Crypto Loans
If you get a crypto-backed loan, it’s one requiring collateral, which is the stake. In many ways, a crypto loan has similarities to a car loan or a home loan because you have an asset securing your funds.
Cryptocurrency loan platforms tend to offer interest rates that may be comparatively low—often in the single digits. That’s going to nearly always be less than the interest rates on a credit card or an unsecured personal loan.
Crypto loans aren’t usually as cheap as a car or home loan, however, so you shouldn’t use this option to make a big purchase.
You will almost always face limits on how much you can borrow. A lot of platforms will let you borrow up to 50% of the value of your crypto, but some will go all the way up to 90%. You receive your loan funds as USD or a digital currency.
See: Rise of Regulatory Compliant DeFi Protocols
There’s almost never a credit check when you apply for a loan backed by crypto. If you don’t have perfect credit or you have a limited credit history, this can be one of the biggest pros that you might think about with this personal finance option.
The funding will usually be fast—often with funding coming through the same business day. For someone who needs fast cash, that holds a lot of appeal.
For lenders, the upsides of crypto loans include the fact that you’re probably going to get higher returns than using something like a savings account, and you don’t have to lock in your assets.
What To Keep In Mind Before You Borrow Cryptocurrency
If you’re considering borrowing crypto, you need to choose the right platform, making sure that it’s legitimate and secure. After you find a reliable platform, taking out a crypto loan tends to be a simpler, easier process than getting a traditional loan.
The loan amount is going to depend on how much collateral you can use. The loan-to-value ratio in this context is the amount of the loan compared to the value of the collateral.
Because of the inherent volatility of crypto markets, these loans usually have extremely low LTV ratios.
Other considerations include:
- You could be subject to what’s called a margin call. If you borrow against a big portion of your holdings and the price goes down, which often happens because of crypto’s volatility, you might need to deposit more collateral in the form of more crypto. Another option in this situation would be that the lending platform would sell some of your holdings, reducing the LTV ratio. You have to be very careful about how much leverage you can use as a result.
- If you use crypto to secure a loan, it’s locked in until you pay it off in full. If you faced an emergency where you needed to liquidate your holdings, you wouldn’t be able to. Also, if there’s a big drop in crypto prices, you can’t sell to limit the losses.
- The repayment terms can vary widely between one another, so be aware that many of these loans are very short-term.
Finally, you can’t use any coin to get a loan. Some platforms will only accept a limited number of options, while other platforms might accept dozens.
Getting a crypto-backed loan is a growing possibility for consumers, but also one with risks and considerations to keep in mind before jumping in. As with anything in personal finance, weigh the pros and cons before doing anything. Along with researching the loans in general, make sure you choose the best platform for your 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, 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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Facebook-like metaverse potential disaster says Second Life creator Philip Rosedale
Nikkei Asia | | Mar 18, 2022
Philip Rosedale says technology is not yet ready for 3D immersive VR
TOKYO -- "Metaverse" has become a buzzword in tech, business and beyond since Mark Zuckerberg changed the name of his company from Facebook to Meta Platforms last October, signaling a new focus on creating a virtual world where people can "live" in the form of avatars.
But what is effectively a kind of metaverse has actually been available to consumers for nearly two decades -- ever since Linden Lab of San Francisco launched its Second Life platform in 2003.
Philip Rosedale, the inventor of Second Life and founder of Linden Lab, has a vision for the metaverse that contrasts sharply with Zuckerberg's plans. Now an adviser to Linden, he shared his views with Nikkei in a recent interview. Edited excerpts follow.
Q: How do you view Zuckerberg's version of the metaverse?
A: I have two observations. One is that we are not technologically ready yet for the 3D metaverse for virtual reality headsets. [The] technology does not yet exist. The second thing I would say, more specifically about Meta, is that the business model Facebook has historically used, based on a very sophisticated kind of advertising involving behavioral targeting with a lot of surveillance and personal data, is not a safe model to apply to the metaverse.
If you imagine putting people as avatars into a virtual world with that kind of surveillance and behavior modification going on, it would be extremely dangerous for everyone. In my opinion it simply cannot be allowed to happen.
See: 7 Ways the Metaverse is Changing Enterprises
Second Life is proof, at least for a certain size of audience, that you do not have to rely on that kind of business model and that you can create a virtual world where people have privacy.
Second Life's business model is based on fees. There are two kinds of fees. One is, if you choose to own a piece of land in Second Life, which is about the size of Los Angeles, you have to pay a monthly fee of about $20 per acre. The second type of fee is charged, when you sell some virtual merchandise to other people, on listing and transactions. It is like a single-digit percentage of the value traded. Not as large as Apple's App Store.
And you know what? Second Life is making more annual revenue per active user than Facebook or YouTube does. That shows a metaverse does not require the Facebook-like business model. But if Meta chooses to apply the Facebook model to its metaverses, that would be a terrible thing, even an existential threat.
Q: What do you mean when you say that technology is not ready yet?
A: One thing that sets a metaverse apart from the conventional internet is that it always has other people there. When you go to a conventional website to do shopping or to read news, there is nobody else there with you. You cannot look to your left or right and see other people. In a metaverse, experiences that we would like to realize there, like a college classroom or a live music event, require us to enable hundreds or even thousands of people to be there near each other with sight and sound of each other. And that is very difficult technology.
See: Meta reveals it’s built one of the world’s fastest supercomputers to power the metaverse
We at High Fidelity have worked on spatial audio for the last 10 years and today we can enable a couple of hundred people, or a little more than that, to share the same space with sound. But having a bunch of people visibly standing around at an event, looking interesting enough that you would want to walk up and talk to them, it is not technologically possible yet. There have to be advances in cloud computing, rendering and a number of other things to make that possible. I think it will happen in the next five years.
And VR headsets, they are more like 10 years away. Those are in a very early stage. Today they are very uncomfortable. Actually we do not have the scientific approach to fix the dizziness we feel when we wear the headsets. The problem is that any time you move in VR but your head or actual body is not moving, eventually it makes you sick. And it tends to make women somewhat sicker than men and that is a terrible problem if you are trying to create a social experience.
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The National Crowdfunding & Fintech Association (NCFA Canada) is a financial innovation ecosystem that provides education, market intelligence, industry stewardship, networking and funding opportunities and services to thousands of community members and works closely with industry, government, partners and affiliates to create a vibrant and innovative fintech and funding industry in Canada. Decentralized and distributed, NCFA is engaged with global stakeholders and helps incubate projects and investment in fintech, alternative finance, crowdfunding, peer-to-peer finance, payments, digital assets and tokens, blockchain, cryptocurrency, regtech, and insurtech sectors. Join Canada's Fintech & Funding Community today FREE! Or become a contributing member and get perks. For more information, please visit: www.ncfacanada.org
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Gun-shy advisors struggle to provide clients with crypto guidance
March 6, 2022
Cryptocurrency's breakthrough from the financial fringes to the mainstream has been characterized by major investors like Paul Tudor Jones — and some companies like Microstrategy and Tesla — dipping their toes into Bitcoin (BTC-USD). Even Apple CEO Tim Cook is getting in on the action.
Yet some financial advisors and wealth managers appear to be struggling over how to adapt to the new era, in a sector defined by head-spinning price action, still-evolving regulation, and rising fraud.
A recent survey from fintech company eMoney Advisor found about 38% of U.S. respondents say their investments are managed by a financial advisor, and that 43% said they invest in cryptocurrencies. The data underscore how less than half are handling out digital token advice, even as the sector becomes an increasingly hot topic in retail and institutional investing.
Separately, a January survey by crypto investment manager Bitwise found a staggering 94% of advisors surveyed have gotten crypto-related questions from clients. Yet a slim 15% actually allocated money to digital tokens.
See: Arcane Research: Summary of Crypto 2021
Nevertheless, Bitwise CIO Matt Hougan said the sector was:
“approaching the tipping point for the widespread adoption of crypto by financial advisors. Two years ago, just 6% of advisors were allocating to crypto in client accounts; today it’s 15% and our survey suggests it will be nearly 30% by year-end."
Crypto's notorious volatility, in addition to the lack of a Bitcoin exchange traded fund (ETF) specifically tied to its spot price, may have something to do with it.
A spot ETF has yet to be approved by the Securities and Exchange Commission, even though a few new futures-linked funds have found a receptive audience. Several financial advisors Yahoo Finance spoke with recently all suggested a spot ETF would be the ideal vehicle for clients.
Yet Ric Edelman, founder of The Digital Asset Council of Financial Professionals (DACFP) thinks some advisors are making a mistake waiting for a spot Bitcoin fund. Having first discovered Bitcoin in 2012, Edelman argues that advisors can easily allocate 1-3% of their client portfolios to cryptocurrency-linked assets.
See: Biden’s executive order on crypto leaked – prices surge
“Obviously, crypto is huge but we’re just not at all trained in this space," Maize told Yahoo Finance. "Even if you don’t want to recommend it as an investment, we should at least know enough to be able to discuss it," she added.
“There’s so much hype around cryptocurrency. I have no problem if people want to trade their funny money but before that many of them need to cover basic financial planning bases like allocating their 401Ks, and other retirement accounts,” Valega told Yahoo Finance.
“For our clients who want cryptocurrency and whose risk profiles suggest that it could be appropriate for their portfolios, I want to see a spot Bitcoin ETF approved by the SEC before we make anything happen,” Von dem Bussche insisted.
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The National Crowdfunding & Fintech Association (NCFA Canada) is a financial innovation ecosystem that provides education, market intelligence, industry stewardship, networking and funding opportunities and services to thousands of community members and works closely with industry, government, partners and affiliates to create a vibrant and innovative fintech and funding industry in Canada. Decentralized and distributed, NCFA is engaged with global stakeholders and helps incubate projects and investment in fintech, alternative finance, crowdfunding, peer-to-peer finance, payments, digital assets and tokens, blockchain, cryptocurrency, regtech, and insurtech sectors. Join Canada's Fintech & Funding Community today FREE! Or become a contributing member and get perks. For more information, please visit: www.ncfacanada.org
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Are DAO’s gaining traction in the business world? The new corporate paradigm?
Worklife | Mar 2, 2022
“A DAO is an organization that can operate by itself, using code, without anyone in charge to make decisions,” said Travis Miller, a blockchain enthusiast who has worked on numerous cryptocurrency projects. “Imagine a corporation without a CEO.” As a result, hiring, pay raises and other essential functions to an operation can be performed automatically, without human intervention.”
Matveev believes that as companies move closer to adopting more transparent, flexible operational models, there may be a push away from traditional organizational structures in favor of the flat, democratized system that DAOs provide. “While DAOs are mainly seen within the crypto and blockchain industries, due to the emphasis on decentralization, many other spheres that want to prioritize community and transparency could definitely use the structure,” he added.
Early days: more maturity needed
But Grace Rachmany, an Israeli living in Slovenia who founded organizational consultancy DAO Leadership in 2019 — urged caution. She first became interested in alternative forms of governance a decade ago, during the Arab Spring — the series of anti-government protests and uprisings that occurred throughout the Middle East and North Africa in the early 2010s. “I realized that although it’s great to overthrow a dictatorship, there are no modern forms of democracy that are suitable,” Rachmany said.
See: VC-backed DAO Startups Racing to Define What DAOs Actually Are
DAOs have more maturing to do, though, she suggested:
“Conceptually, people hope that DAOs will create a collaborative or equal environment where people share responsibility. For instance, non-profits have been looking at making shared decisions through a DAO. The current technology for DAO is limited and based only on the division of funds, however, so it’s unclear that this format will benefit businesses in any way,” said Rachmany.
Considering how DAOs could shape the future of work, she believes that they will evolve particularly in the gig economy and in recruitment.
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Cointelegraph magazine | Andrew Singer | Feb 22, 2022
Year 1602 revisited: Are DAOs the new corporate paradigm?
In 1602, the Dutch East India Company was formed in what many consider the world’s first initial public offering — allowing perfect strangers to share in stock ownership. Four centuries later, the joint-stock model — especially its incarnation as the modern business “corporation” — sets the pace for much of the economic world.
See: VC-backed DAO Startups Racing to Define What DAOs Actually Are
But, decentralized autonomous organizations, or DAOs, could soon disrupt the joint-stock capitalized business model, much as the Dutch East India supplanted the limited partnerships of its day — or so some may say.
“DAOs are the new limited liability companies (LLCs),” says DAO investor Cooper Turley of these leaderless internet-native entities where key decisions are typically made by consensus. “In five years, companies won’t have equity anymore. They’ll have tokens and they’ll be represented as DAOs,” while high-profile investor Mark Cuban adds, “The future of corporations could be very different as DAOs take on legacy businesses.” Others see DAOs challenging venture capital firms in the race to fund Web3 projects.
According to law professor Aaron Wright: “DAOs are not run by boards or managers, but rather aim to be governed by democratic or highly participatory processes or algorithms.”
A better business model?
“There is a future for DAOs,” Erik Vermeulen, professor of business and financial law at Tilburg University, tells Magazine, given their transparency, security and open source governance protocols which mean that weaknesses are constantly probed and tested. Moreover, they discourage “rent-seeking,” i.e., manipulating public policy or the economy to increase profits. This is similar to when a company lobbies the government for subsidies. They aim to discourage natural and political monopolies because of their distributed nature, adds Vermeulen.
See: In the face of wreckage, DeFi’s self-policing shines
But, are they really superior to traditional organizational business models? Not all agree. “The current token system does not necessarily prevent monopolies because there are individuals that may own a large amount of the DAO tokens and thus may control voting results,” Sarah Hammer, managing director of The Wharton School’s Stevens Center for Innovation in Finance, tells Magazine
“The defining attribute that makes DAOs different from past organizations is the use of the blockchain as the root of trust,” Eric Lim, senior lecturer at the University of New South Wales, tells Magazine:
“such that the inputs and outputs from decisions that matter are immutable and auditable.” This represents an advance over traditional centralized organizations, which Lim has called “a zero-sum game.”
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The National Crowdfunding & Fintech Association (NCFA Canada) is a financial innovation ecosystem that provides education, market intelligence, industry stewardship, networking and funding opportunities and services to thousands of community members and works closely with industry, government, partners and affiliates to create a vibrant and innovative fintech and funding industry in Canada. Decentralized and distributed, NCFA is engaged with global stakeholders and helps incubate projects and investment in fintech, alternative finance, crowdfunding, peer-to-peer finance, payments, digital assets and tokens, blockchain, cryptocurrency, regtech, and insurtech sectors. Join Canada's Fintech & Funding Community today FREE! Or become a contributing member and get perks. For more information, please visit: www.ncfacanada.org
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Cashless society: We need to take digital jail seriously
The Hub | | Feb 22, 2022
We have to adjust our assessment of government action to the realities of our new world
The move to a cashless society, which has been accelerated by Covid restrictions, makes it almost impossible to function in society without a bank account and a credit card. You can’t purchase many services with cash anymore. When my local coffee shop’s wireless service went down the other day and they couldn’t process digital payments, I offered to pay with cash. They didn’t know what to do. Like many businesses, they simply aren’t set up to handle physical money. And that’s assuming you have large cash reserves to begin with, as you can’t withdraw money from a frozen bank account.
See:
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Crypto’s humanitarian side in the time of War
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Pomp: We Should Not Normalize Economic War On Innocent Civilians
In 1988, when the Emergencies Act became law, you could probably still participate in society, albeit with some inconvenience, without a bank account. Not so in 2022. Now, without a working bank account, you can’t pay for a telephone or internet. You can’t make car payments, rent, or travel. You also can’t exercise most basic rights from freedom of speech to freedom of assembly. You can’t even pay a lawyer to defend you. Think of it as digital jail. There may be no bars, but you are far from free.
We need to adjust our assessment of government action to the realities of our new world. The government doesn’t need to break down your door anymore to effectively remove you from society. They can do it with the press of a button. Doing this to someone—a small business owner in BC, a public servant in Winnipeg, a student in Halifax—who made a small donation to support the convoy is a clear abuse of power. Doing it without due process is as despotic as Pierre Trudeau’s detention of left-wing professors and separatists without charge, trial, or access to legal counsel in 1970.
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The National Crowdfunding & Fintech Association (NCFA Canada) is a financial innovation ecosystem that provides education, market intelligence, industry stewardship, networking and funding opportunities and services to thousands of community members and works closely with industry, government, partners and affiliates to create a vibrant and innovative fintech and funding industry in Canada. Decentralized and distributed, NCFA is engaged with global stakeholders and helps incubate projects and investment in fintech, alternative finance, crowdfunding, peer-to-peer finance, payments, digital assets and tokens, blockchain, cryptocurrency, regtech, and insurtech sectors. Join Canada's Fintech & Funding Community today FREE! Or become a contributing member and get perks. For more information, please visit: www.ncfacanada.org
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