2023 Fintech and Financing Conference & Expo

Category Archives: Stories

Gmail Creator Says AI Could Replace Google’s Search Engine Results Page Within 2 Years

IFLScience | James Felton | Dec 6, 2022

Pexels Kindel Media AI bot - Gmail Creator Says AI Could Replace Google's Search Engine Results Page Within 2 Years

Image: Pexels/Kindel Media

The creator of Gmail has made a prediction: the new chatbot ChatGPT will completely disrupt Google's business within a year or two, eliminating the search engine result page in the process.

  • ChatGPT: By now, you have probably come across a number of creations from ChatGPT: an artificial intelligence (AI) based chatbot that can do everything from rewrite "Baby Got Back" in the style of Canterbury Tales to simulating its own chatbot within a chatbot.
    • The chatbot, made open to the public last week, is surprisingly good.  Even if it hasn't yet convinced anyone that it's sentient – unlike Google's AI .
    • The bot has a number of uses, including writing useable code and looking for errors in code created by amateur humans.
  • The chatbot uses something called "reinforcement learning from human feedback" to achieve the impressive natural language processing it does.  "As the model receives more and more feedback, it uses this information to adjust its internal parameters and improve its performance. This iterative process continues until the model reaches a satisfactory level of performance on the task," the bot continued.
  • Disrupt Google? As well as providing more detailed results than Google, and explaining answers in a more natural way (as seen above), the problem for Google is ChatGPT could eliminate the need for its moneymaker: the search results page.

See:  Newfoundland’s AI Unicorn Helps Predict AIs Near-term Business Opportunity

Buchheit wrote on Twitter:

The way I imagine this happening is that the URL/Search bar of the browser gets replaced with AI that autocompletes my thought/question as I type it while also providing the best answer (which may be a link to a website or product).

Continue to the full article --> here


NCFA Jan 2018 resize - Gmail Creator Says AI Could Replace Google's Search Engine Results Page Within 2 YearsThe 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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Final Legal Submission Concluded After 2 Years: Ripple vs SEC

CryptoPotato | Chayanika Deka  | Dec 5, 2022

XRP vs SEC - Final Legal Submission Concluded After 2 Years:  Ripple vs SEC

Image: CryptoPotato

The long-running legal spat between Ripple and the SEC and Ripple is drawing close after two years.

  • Stuart Alderoty, General Counsel of Ripple, confirmed the company’s “final submission,” urging the court to grant judgment in its favor and said that Ripple is proud of the defense it has mounted on behalf of the entire digital asset industry.
    • According to the court document, the San Francisco-based blockchain company asserted that the United States Securities and Exchange Commission (SEC) has failed to prove the existence of any investment contracts governing the defendants’ offers and sales of XRP between the period 2013 and 2020.
    • Ripple also said that both its founders are entitled to summary judgment on their decision to sell on foreign exchanges and added that the SEC could not provide any material fact to the contrary.

See:  Legal experts say “This Is It” moment for XRP in Ripple lawsuit,

Brad Garlinghouse CEO XRP took to Twitter to congratulate the team:

“I said it on day 1, we will aggressively fight to get clear rules for the entire industry in the U.S. Congrats to all of Team Ripple for getting us to this point. Ripple stood strong and withstood the SEC’s onslaught. I look forward to being on the right side of justice.”

Continue to the full article --> here


NCFA Jan 2018 resize - Final Legal Submission Concluded After 2 Years:  Ripple vs SECThe 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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CFTC Commissioner: Average Retail Investor Protection Should Be Different Than Millionaires

Decrypt | Alys Key | Dec 1, 2022

Pixabay geralt investor protection - CFTC Commissioner:  Average Retail Investor Protection Should Be Different Than Millionaires

Image: Pixabay/geralt

The CFTC chief has proposed that the average crypto investor should get different protection from professional and high-net-worth individuals.

  • In remarks prepared for a conference in Singapore, Commodity Futures Trading Commission (CFTC) commissioner Christy Goldsmith Romero said the current regime’s definition of a “retail investor” is too broad, covering everything from average households to millionaires and hedge funds.
  • She added that she was not seeking to cut off the average investor’s access to the markets altogether but would seek public input on what kinds of extra protections should be afforded to these users. Initial ideas include easy-to-understand disclosures and limitations on leverage.

See:  CSA releases 2022-2025 Business Plan focused on investor protection

  • She was critical of the shift towards giving users direct access to the markets via trading apps, saying that a broker traditionally adds an extra layer of protection for the customer.  I caution against market structures that remove a broker’s duties to retail customers without a full assessment of what will be lost,” she said.
  • Romero also called for her agency to invoke “heightened supervision” of crypto exchanges, adding she had been calling for such a move internally for months.

Continue to the full article --> here


NCFA Jan 2018 resize - CFTC Commissioner:  Average Retail Investor Protection Should Be Different Than MillionairesThe 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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Canada’s Open Banking Journey: Interview with Steve Boms, Executive Director Financial Data and Technology Association – North America “FDATA”

NCFA Canada | Mahi Sall | Dec 5, 2022

NCFA OB Series Steve Bom FDATA  - Canada’s Open Banking Journey:  Interview with Steve Boms, Executive Director Financial Data and Technology Association - North America “FDATA”

Thought Leadership Series of Expert interviews and insights related to a made-in-Canada open banking regime

The National Crowdfunding & Fintech Association of Canada (NCFA), true to its mission of providing education, industry stewardship, networking, growth, and funding opportunities for innovative financial technologies and related sectors, is pleased to launch a brand new thought leadership series on Open Banking led by Berlin-based NCFA ambassador and independent expert in Fintech-Bank Partnerships Mahi Sall.

NCFA is proudly contributing this thought leadership series to help shape a system that will bring profound changes in how financial services will be created, distributed, and consumed in Canada over decades to come.  Our hope is that Canada’s Open Banking system will improve economic outcomes, improve market efficiencies and competitiveness, and enable consumers to access new and innovative financial services in a way that is secure, efficient, and consumer-centric.

The series is called ‘Canada’s Open Banking Journey’ and aims to aggregate international and domestic perspectives of Open Banking/Finance expert practitioners from around the globe to advance dialogues, key considerations, and explore potential solutions for the development of a made in Canada open banking regime with the following timeline:

  • Sep 2018:  Canada’s Open Banking journey officially began when the government established a multi-stakeholder Advisory Committee tasked to conduct a review into the merits of Open Banking
  • Apr 2021:  Advisory committee publishes final recommendations
  • Mar 2022:  Government appoints Abraham Tachjian – PwC Canada as Canada’s Open Banking lead responsible for convening industry, government and consumers in designing the foundation of the system of Open Banking for a launch in 2023.
  • Oct 2023:  Phase 1 implementation expected

NCFA Canada's Open Banking Journey Series:


 


 

Interview Begins

 

”As the government advances critically important initiatives to modernize Canada’s financial services market, including open banking and payment modernization, the voices of consumers and small businesses must be at the center of the conversation”.

-- Steve Boms, Executive Director Financial Data and Technology Association - North America “FDATA”

 

Mahi Sall:  Please tell us about yourself and FDATA North America

Steve Boms: Steve Boms, Executive Director FDATA North America, Founder & President of Allon Advocacy LLC.

FDATA North America was founded in early 2018 by several financial firms whose technology-based products and services allow consumers and small and medium enterprises (“SMEs”) to improve their financial wellbeing.

We are a regional chapter of FDATA Global, which was the driving force for Open Banking in the United Kingdom, and which continues to provide technical expertise to policymakers and to regulatory bodies internationally that are contemplating, designing, and implementing open finance frameworks. With chapters in North America, Europe, Australasia, Latin America, and India, FDATA Global has established itself as an expert in the design, implementation, and governance of open finance standards and frameworks globally since its inception in 2013.

We count innovative leaders such as the Alliance for Innovative Regulation, APImetrics, Basis Theory, Betterment, BillGO, Codat, Direct ID, Equitable Bank, Envestnet Yodlee, Experian, Finansytech, Fiserv, Flinks, Hank Payments, Interac, Intuit, Inverite, Kabbage, Mogo, Morningstar, M Science, MX, Petal, Plaid, Questrade, SaltEdge, Trustly, ValidiFi, Vaultree, VoPay, Wealthica, and Xero, among others, as our members.

 

Mahi Sall: Chief among the factors affecting the take-off of Open Banking is low adoption by consumers.  What could Canada do differently than other jurisdictions in order to pre-empt this risk?

Steve Boms: I would respectfully disagree with the premise of this question. Millions of Canadians are already using open finance tools today offered by dozens of FDATA North America member companies. At last count, in excess of five million Canadians were utilizing open finance tools offered by just our members in Canada. Moreover, open finance is not itself the product; it is the rails upon which products and services are offered to consumers. Said another way: Canadians are already benefiting from open finance. The implementation of a formalized open finance regime is a means of providing ubiquitous access to open finance tools regardless of the financial institution with whom one banks.

 

Mahi Sall: Speak about Open Banking limitations and the most common misconceptions people have about it?

Steve Boms: Open finance’s ability to spur innovation and competition is almost entirely limited by how policymakers design, implement, and ultimately govern their open finance systems. The technological barriers to consumer control of data are minimal and decreasing by the day, particularly as APIs and other modern data communication systems are rolled out across various sectors of the economy. That’s basically why FDATA exists- to be a strong, vigilant advocate for open finance’s potential to the very policymakers who will determine its form and function.

Perhaps the most common misconception of open finance is that it will inherently present a cybersecurity risk to banks and data holders. However, we have stressed since our inception that this risk has so far been entirely speculative, and there are no examples of data breaches in open finance frameworks – formalized or otherwise – due to a third-party data sharing relationship with a fintech. To further address this concern, we have also repeatedly advocated, mostly through comment letters to regulatory agencies, that third party fintech providers should be entirely responsible for all elements of cybersecurity, due diligence, regulatory compliance and consumer protection- and are perfectly capable of doing so. In fact, we are opposed to the idea of banks and data holders retaining responsibility or liability for such damages, since this provides them the pretext to arbitrarily limit data access, and cut it off in some extreme cases. The details of how third party providers must go about ensuring privacy, data, and cybersecurity will be properly developed through an accreditation process. Once such process is devised, any accredited third party financial provider should have continuous access to customer-permissioned data from any and all Canadian banks that participate in the open finance system.

 

 

 

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Mahi Sall: In the early days of Open Banking some European banks provided in addition to APIs a Modified Customer Interface (MCI) as alternative means for third party providers (TPPs) to get access to customer data. Would you foresee the need for Canadian banks to deploy fallback options? If so, what could be some of the alternatives?

Steve Boms: Yes. Any realistic view of open finance in Canada must consider the need for fallback options.  The vast, overwhelming majority of customer-permissioned financial data sharing in Canada currently occurs via credential-based screen scraping. While all stakeholders in the market would prefer to transition to token-based APIs, it is unrealistic to imagine that 100% of data access will quickly transition to this data access method. Accordingly, fallback options will need to remain.

The harsh reality is that Canada’s financial system is not yet ready to eliminate existing technological methods of accessing customer data without massive detriments to consumer financial health. This is a lesson clearly learned from other, more advanced markets like the United Kingdom, which retain screen scraping as a connectivity method either as a fallback option or for data not available through APIs. In the absence of a fully developed, robust API environment, screen scraping is a necessary tool to enable universal consumer and SME data access.

 

“ Regulatory certainty and clarity will be key to ensuring that this new open finance marketplace develops to its maximum potential.”

 

Mahi Sall: What must be thought of and accounted for at this early stage of Open Banking in Canada in order to ensure compatibility and interoperability at regional/international level?

Steve Boms: Regulatory certainty and clarity will be key to ensuring that this new open finance marketplace develops to its maximum potential. We have been working with Canada’s independent banking regulator the Office of the Superintendent of Financial Institutions (OSFI) to ensure that their efforts to modernize third-party risk management do not interfere with open finance development. Since the open finance accreditation standards in Canada will almost certainly include cybersecurity requirements for third-party providers, harmonization of efforts between the Department of Finance’s open finance work and OSFI’s approach to third-party cybersecurity risk will therefore be essential. We’ve also urged OSFI to clearly distinguish between what it considers to be bank third party providers under its supervisory guidelines from what will soon be accredited open finance participants to avoid any confusion.

 

“Half of Canadians feel stress when interacting with Canada’s financial services sector.”

 

Mahi Sall: Any final thoughts?

Steve Boms: We recently commissioned a landmark survey of Canadian consumers along with Paytechs of Canada to measure attitudes toward the existing financial services marketplace and open banking. It found that more than half of Canadians feel stress when interacting with Canada’s financial services sector and believe they would benefit from increased competition and transparency in the financial services market. The findings indicate this is especially true among women, young people, and new Canadians. Among the biggest sources of dissatisfaction are high fees and a lack of choice.

As the government advances critically important initiatives to modernize Canada’s financial services market, including open banking and payment modernization, the voices of consumers and small businesses must be at the center of the conversation. These first-of-their-kind surveys clearly demonstrate Canadians’ hunger for a more competitive, transparent, and innovative Canadian financial system.

 

# # #

Links you may be interested in:

 

Mahi Sall is an Ambassador of the National Crowdfunding & Fintech Association of Canada “NCFA”, and an Expert on Fintech-Bank Partnerships. He is based in Berlin, Germany.

 


NCFA Jan 2018 resize - Canada’s Open Banking Journey:  Interview with Steve Boms, Executive Director Financial Data and Technology Association - North America “FDATA”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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Audio Interviews (post-bankruptcy) with Sam Bankman-Fried on FTX Collapse

Coindesk | Sam Kessler, Nelson Wang | Nov 29, 2022

Phone interviews with SBF post bankruptcy - Audio Interviews (post-bankruptcy) with Sam Bankman-Fried on FTX Collapse

Image: youtube

Among the more unprecedented elements of the FTX saga has been the fact that Bankman-Fried, who was raised by two lawyers, can’t seem to keep his mouth shut despite mounting legal threats.

Sam Bankman-Fried’s crypto empire blew up in spectacular fashion at the beginning of this month, and questions continue to swirl around the motives and mechanics that caused crypto exchange FTX and its sister company, Alameda Research, to collapse.

See:  CB Insights: FTX ‘Bagholders’ — Investments and M&A Portfolio Map

After cryptic tweet threads and a viral DM exchange with a Vox reporter in which he said “f**k regulators” and admitted that his philanthropic identity was largely manufactured for PR reasons, Bankman-Fried’s actual voice is being heard for the first time post-FTX collapse with newly released audio from Tiffany Fong – a crypto investor-turned-whistleblower who initially gained attention for leaking audio that showed Celsius Network, the now-bankrupt crypto lending platform, planned to use a cynical “crypto-based solution” to repay users of its Earn Lending platform.

First audio interviews with SBF post-bankruptcy

First interview with Tiffany Fong

In this phone call interview, Sam Bankman-Fried or SBF, former CEO and founder of FTX, chats with me about filing for Chapter 11 bankruptcy, the alleged backdoor, the use of FTT as collateral, ties to the Democratic Party, laundering Ukraine money, the solvency / insolvency of FTX US, lawyers, and the jurisdictional battle ahead as well as his next steps forward.

See:  CFTC Says Bitcoin is the Only Commodity | ECB Criticizes Digital Asset Sector for Facilitating Illegal Activity

Second interview with Tiffany Fong

SBF Talks FTX user funds on Alameda, $8 billion hole illiquidity, CZ, the run on the bank. Sam Bankman-Fried shows remorse

Continue to the full article --> here


NCFA Jan 2018 resize - Audio Interviews (post-bankruptcy) with Sam Bankman-Fried on FTX CollapseThe 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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Big 6 Banks’ say ‘Hole in Financial System’ | Role in Freeland’s Convoy Plan

Canada Today | Naomi Oliver | Nov 25, 2022

Pexels Mohamed Almari hole in system - Big 6 Banks’ say 'Hole in Financial System' | Role in Freeland’s Convoy Plan

Image: Pexels/Mohamed Almari

When Deputy Prime Minister Chrystia Freeland called the chief executive officers of Canada’s Big Six banks on Sunday in February before their government invoked the Emergencies Act, the CEOs stressed that the resources at their disposal were to support that to choke off the money pouring in from the convoy protests were limited.

  • Accounts of at least three calls Ms Freeland made with bank CEOs over an eight-day period are contained in summaries dubbed “readouts” and in Ms Freeland’s handwritten notes from the meetings, which took place Thursday at the Investigating the Use of the Emergency Law.
  • At that moment, banks needed court orders to freeze funds, CEOs said, which are slow to grant. To give banks the ability to freeze funds faster, the government needed to sanction protesters under the same financial crime laws it applies to terrorists, three [bank] CEOs said. They also called on the government to close loopholes in systems to monitor transactions by bringing a wider range of payment providers under stricter regulations.
  • Ms Freeland’s first assignment was an attempt to involve the banks in ending the convoy protests and get the bankers’ help in assessing the severity of the damage to Canada’s economy. Subsequent calls focused on working out the complex mechanisms to stop the flow of money to the protesters.
    • What the CEOs weren’t told on the first call on February 13 was that the government was preparing to use the emergency law to expand banks’ powers to freeze accounts.

See:  NCFA Response to FINTRAC’s ‘Knee Jerk’ Regulations Requiring Donation Crowdfunding Platforms to Register and Comply with AML/ATF Legislation

  • Bank CEOs:
    • TD’s Mr. Masrani stressed that “Canada’s reputation is at risk,” and was echoed minutes later by Canadian Imperial Bank of Commerce CEO Victor Dodig
    • BMO’s Mr White reportedly called the blockades “a national crisis”, urged Ms Freeland to “act immediately” and quoted a US investor who told him: “I will not invest another red cent in your banana republic in Canada”
  • Banks urge government: Prior to the Feb. 13 conference call, TD TD-T, CIBC CM-T and Bank of Nova Scotia BNS-T had privately encouraged the government to bring non-bank payment providers “more clearly” under existing anti-money laundering laws.
    • That day, Mr Masrani told Ms Freeland the “big hole” in the system was those payment providers, including crowdfunding platforms, and CIBC’s Mr Dodig was also pushing for measures that would cover “the entire financial system,” according to an ad. Another CEO added, “Let’s be clear, they will all eventually move to crypto.”

Continue to the full article --> here


NCFA Jan 2018 resize - Big 6 Banks’ say 'Hole in Financial System' | Role in Freeland’s Convoy PlanThe 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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CFTC Says Bitcoin is the Only Commodity | ECB Criticizes Digital Asset Sector for Facilitating Illegal Activity

Cointelegraph | Prashant Jha | Dec 1, 2022

Unsplash André François McKenzie Bitcoin - CFTC Says Bitcoin is the Only Commodity | ECB Criticizes Digital Asset Sector for Facilitating Illegal Activity

Image: Unsplash/André François McKenzie

CFTC has faced a lot of scrutiny in the wake of FTX collapse due to its ties with the crypto exchange and SBF’s efforts to put the committee as the key oversight body for crypto.

  • The chief of the United States Commodity Futures Trading Commission (CFTC), Rostin Behnam, claimed Bitcoin is the only crypto asset that can be viewed as a commodity during an invite-only crypto event at Princeton University, reported Fortune.
    • Behnam’s comments are quite a contrast to his early statements in October, where he claimed Ether could also be viewed as a commodity.

See:  New U.S. Bill Gives Crypto Oversight to the CFTC

  • The CFTC chief’s backtracking of his comments on ETH comes in the wake of heavy scrutiny of U.S regulators and accusations of corruption, with Republican lawmakers accusing the SEC chair of coordinating with FTX “to obtain regulatory monopoly.”
  • Behnam said the committee has limited oversight powers and blamed the “matrix of regulators” as an imperfect system. However, he called for better collaboration among the long list of regulatory bodies to come up with formidable regulations.

Continue to the full article --> here


The Guardian | Alex Hern | Nov 30, 2022

ECB European Bank criticises digital currency sector for facilitating illegal activity

  • The European Central Bank says bitcoin is on an “artificially induced last gasp before the road to irrelevance”, in a scathing intervention arguing against giving regulatory legitimacy to the cryptocurrency.
  • In a strongly worded blogpost, senior European Central Bank (ECB) staffers Ulrich Bindseil and Jürgen Schaaf criticised bitcoin for being a hotbed of illegal transactions that brings reputational risk for any bank that gets involved with the sector.

See:  ECB Publishes Macroprudential Bulletin on Stablecoins, Climate Risk, and DeFi

  • German newspaper Handelsblatt, Bindseil and Schaaf argue: “the risks of crypto assets are undisputed among regulators”.

Since bitcoin appears to be neither suitable as a payment system nor as a form of investment, it should be treated as neither in regulatory terms and thus should not be legitimised

Continue to the full article --> here


NCFA Jan 2018 resize - CFTC Says Bitcoin is the Only Commodity | ECB Criticizes Digital Asset Sector for Facilitating Illegal ActivityThe 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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