Category Archives: Legal Issues and Regulation

Canadian Crowdfunding Industry Highlights Urgent Need for Changes


Locavesting | Staff Writer | March 16, 2018

Some Americans may envy Canada’s charming president and progressive politics, but when it comes to investment crowdfunding, the two countries are in the same boat.

In an appeal to government regulators this week, Canadian crowdfunding and financial tech advocates called out an “urgent need for regulatory changes and government support” for Canada’s entrepreneurial and capital raising ecosystem. That includes streamlining the country’s crowdfunding regulations and educating the public about the laws.

“Entrepreneurs are reluctant to start up in Canada due to the high costs (relative to a small financing), and significant ongoing regulatory burdens. Investors are inhibited by caps on investment and limited education about  the benefits and downside risks of crowdfunding and other exempt financings. This pushes many talented entrepreneurs and investors to overseas jurisdictions that better understand (and support) innovation and the economic potential of start-ups and small businesses,” writes the National Crowdfunding & FinTech Association (NCFA), a nonprofit Canadian trade group.

In Canada, online capital-raising rules vary by province, and efforts to “harmonize” the laws have fallen short.

The U.S. is in a slightly better position. The U.S. crowdfunding industry falls under a single federal framework, the 2012 JOBS Act.  However, 34 states have passed intrastate laws that can vary greatly.

But U.S. complaints are similar in other regards, including the need to improve burdensome regulations and educate the public about the new laws.

Of particular note, the NCFA decried the lack of support and incentives for education.

“Introducing new requirements/exemptions without a robust ongoing educational program is like asking new drivers to follow a road that contains no ‘signs’, without maps,” writes the NCFA.

In a 2017 survey by the NCFA, over 70% of respondents said more education was required to attract more investors to crowdfunding. A lack of awareness and education around crowdfunding laws is frequently cited as the number one challenge in the U.S. as well.

Data collection and analysis is also lacking, according to the NCFA.

Encouraging Investors

One area where Canada stands out may be in offering tax incentives for investors, although not specifically in conjunction with crowdfunding. The report doesn’t mention it, but some Canadian provinces, such as New Brunswick, have long offered tax incentives for local investors that have been held up as a model for the U.S.

Still, those efforts pale compared to the UK, where investment crowdfunding is more mature and investors may easily invest in local companies and startups via tax-advantaged retirement accounts. In the U.S., that requires setting up a separate (and cumbersome) self-directed IRA.

The NCFA warns that, without action, Canada risks falling further behind in global competitiveness and financial innovation. They cite an Ernst & Young “Fintech Adoption Index” that put Canada near the bottom of global fintech adoption rates, at just 18 percent. The U.S. clocked in at 33%, the average adoption rate, trailing countries such as Australia (37%), the UK (42%), India (52%) and China (69%).

The NCFA concludes with recommendations, including streamlining the regulations and potentially adopting British Columbia’s more preferable framework. It also advocated for regulatory “sandboxes” that allow for controlled financial experimentation—an idea that has been implemented in the U.K. and proposed in the U.S.

Continue to the full article --> here


Crypto Industry Should Self Regulate, Says CFTC Commissioner


Coindesk | Annaliese Milano | March 8, 2018

Regulations can take years to develop, so why wait when you can self-regulate?

That's the message U.S. Commodity Futures Trading Commission (CFTC) commissioner Brian Quintenz delivered to the audience at the D.C. Blockchain Summit on Wednesday.

"I believe that a private cryptocurrency oversight body could bridge the gap between the status quo and future government regulatory action," he told the audience in his keynote address.

Quintenz also suggested that a cryptocurrency self-regulatory organization (SRO) could have an impact beyond the U.S. market, and could potentially take on global significance.

"I think right now everyone's trying to figure out where and how their laws apply to this space," he told CoinDesk in an interview.

Quintenz continued:

"So if the community takes advantage of that time and that ambiguity there's the potential for a global framework to apply to everyone if there's enough buy-in from the community to do that, since there aren't jurisdictional questions as to which entity has to do what, or rules that necessitate a bifurcation or separate approaches to the regulation."

Classification confusion

Numerous jurisdictional questions concerning cryptocurrencies and tokens currently face the industry, with the CFTC, the Securities and Exchange Commission and the Internal Revenue Service taking different stances on how they classify the assets.

While Quintenz remarked in the interview that "bitcoin is absolutely, clearly not a security. It is absolutely a commodity," he also said that the aforementioned agencies and others should avoid reducing the broader space to one type of product.

"In reality, it's a very broad array of innovative products that have been created," he explained, going on to say:

"Some are very simple, some are very complex, some have utility function, some have security-like features, some have payments associated with them or returns or ownership, or I'm sure some could have voting rights. You get into a very murky landscape very quickly as you go through the diversity of the landscape here."

While the commissioner said it is unlikely that the CFTC would be directly involved in creating a cryptocurrency SRO, he said it could likely offer some guidance informed by policies it has already developed for exchanges and clearinghouses with regard to cybersecurity:

"We can tell them about what we've already done and help them navigate the decisions we've already made to help inform any new concepts that could better apply to the space so they don't have to recreate the wheel," he said.

Agency coordination

As for the CFTC's role in regulating cryptocurrencies, Quintenz emphasized that he would like the agency to avoid setting policy through enforcement actions, though it has done so in the past. He explained that policy set in that manner would lack "the same force as a commission ruling or as a judge's adjudication on a case."

Continue to the full article --> here

The National Crowdfunding & Fintech Association of Canada (NCFA Canada) is a cross-Canada non-profit actively engaged with both social and investment crowdfunding, alternative finance, fintech, P2P, ICO, and online investing stakeholders across the country. NCFA Canada provides education, research, industry stewardship, and networking opportunities to over 1600+ members and works closely with industry, government, academia, community and eco-system partners and affiliates to create a strong and vibrant crowdfunding industry in Canada.  For more information, please visit:



BCSC consults with stakeholders in financial technology sector


BCSC Release |  Alison Walker | Feb 14, 2018

Vancouver - The British Columbia Securities Commission (BCSC) today released a fintech notice and request for comment (the notice), summarizing the results of the BCSC's fintech outreach activities in 2017 and seeking input on potential measures to clarify or modernize B.C. securities laws for stakeholders.

"We want members of the B.C. technology community to know that we value the input they've provided to date, and we're eager to work with them on new ways to support innovation in this sector," said Mark Wang, Director of Capital Markets Regulation at the BCSC. "

This notice asks targeted questions to help us understand industry developments and how potential future action could impact the industry and investors."

See:  Opportunity to connect with BCSC at FFCON18: VELOCITY to provide feedback directly March 5-6 Toronto

The notice summarizes the BCSC's consultation activities in five key fintech areas: crowdfunding and online lending, online advisers, cryptocurrency funds, initial coin offerings and cryptocurrencies, and fintech regulation in the future.

The notice also summarizes the BCSC's 2017 fintech activities, including an online tech survey of industry stakeholders, the launch of the Tech Team, participation in the Canadian Securities Administrators' Regulatory Sandbox, and sponsorship and participation in fintech events, including the #BCTech Summit. In 2017, the Tech Team also responded to over 125 inquiries on fintech matters, and worked with over 40 fintech companies operating, or intending to operate, in British Columbia.

"British Columbia has a strong spirit of entrepreneurship and innovation. We see that through the number of start-ups companies in B.C. and through the amount of capital they raise," said Wang. "The BCSC supports effective regulation that helps companies continue to grow and innovate and gives investors confidence in our markets."

The BCSC invites anyone involved in the B.C. technology industry, including those who may have participated in earlier consultations, to review the notice and provide written submissions. Comments should be submitted on or before Tuesday, April 3, 2018.

About the British Columbia Securities Commission (

The British Columbia Securities Commission is the independent provincial government agency responsible for regulating capital markets in British Columbia through the administration of the Securities Act. Our mission is to protect and promote the public interest by fostering:

  • A securities market that is fair and warrants public confidence
  • A dynamic and competitive securities industry that provides investment opportunities and access to capital

- 30 -

Media Contact:

Alison Walker

Public inquiries:
604-899-6854 or 1-800-373-6393 (toll free)

Continue to the full article --> here

The National Crowdfunding & Fintech Association of Canada (NCFA Canada) is a national non-profit actively engaged with social and investment crowdfunding, alternative finance, fintech, peer-to-peer (P2P), initial coin offerings (ICO), and online investing stakeholders across the country. NCFA Canada provides education, research, industry stewardship, networking opportunities and services to thousands of community members and works closely with industry, government, academia and eco-system partners and affiliates to create a vibrant and innovative fintech and online financing industry in Canada.  For more information, please visit:


The 2017 State of Regulation Crowdfunding: US Securities-based Crowdfunding under Title III of the JOBS Act


CrowdfundInsider | By  | Jan 15, 208

Recently, my company crafted a report for the US Securities and Exchange Commission that summarizes progress on Title III of the JOBS Act of 2012, also referred to Regulation Crowdfunding or Reg CF. This newest securities exemption was added to the options that smaller companies could utilize to raise both debt and equity capital within the US.

Regulation Crowdfunding allows startups and SMEs to raise up to $1,070,000 per year from both retail and accredited investors by utilizing registered funding portals (or broker-dealers) to conduct exempt offerings online. At the end of 2017, there were 36 FINRA approved crowdfunding portals.

This exemption requires issuers to file in a Form C and post online disclosures about a company’s operations, team, financials and other material information for investors to review. Regulation Crowdfunding started in the United States on May 16, 2016. The second calendar year for the industry ended on December 31, 2017. Because data about issuers, their financial well-being, and the capital that is committed is public information we can analyze the data and bring transparency to a segment of the markets (exempt private offerings) that has been fairly opaque until the JOBS Act went into effect.

See Also: SEC Updates JOBS Act Amendments Including Reg CF Funding Cap

Key findings of our report:

  • The number of unique offerings increased 267% from 178 in 2016 to 481 in 2017
  • Proceeds increased 178% from $27.6 million in 2016 to $49.2 million in 2017. Total proceeds by the end of 2017 was $76.8 million
  • The number of successful offerings increased 202% from 99 in 2016 to 200 in 2017
  • The average success rate of offerings to date is 66.7%
  • The total number of investors in Regulation Crowdfunding increased 158% from 28,180 in 2016 to 44,433 in 2017
  • Issuers that filed annual reports and reported creating jobs created on average 13.9 jobs.
  • Revenues for Issuers that filed annual reports increased on average 131% between the year in which they leveraged Regulation Crowdfunding and the Prior Fiscal Year.

Continue to the full article --> here


The National Crowdfunding Association of Canada (NCFA Canada) is a national non-profit actively engaged with social and investment crowdfunding, alternative finance, fintech, peer-to-peer (P2P), initial coin offerings (ICO), and online investing stakeholders across the country. NCFA Canada provides education, research, industry stewardship, networking opportunities and services to thousands of community members and works closely with industry, government, academia and eco-system partners and affiliates to create a vibrant and innovative fintech and online financing industry in Canada.  For more information, please visit:


Saskatchewan and Alberta make cross-border financing easier


Alberta Securities Commission | Dec 12, 2017

CALGARY, Dec. 12, 2017 /CNW/ - The Financial and Consumer Affairs Authority of Saskatchewan (FCAA) has changed its start-up crowdfunding exemption to allow businesses in Saskatchewan and Alberta to raise funds from investors residing in those provinces.

"This change will enhance capital raising opportunities for businesses in Saskatchewan and Alberta and investment opportunities for investors in those provinces. Given the geographical proximity, and similarities in industries, it makes sense for us to coordinate our efforts to facilitate cross-border financings with our neighbouring provinces," said FCAA CEO Roger Sobotkiewicz.

To allow for the interjurisdictional raising of capital, Saskatchewan has amended General Order 45-929 Start-up Crowdfunding Registration and Prospectus Exemptions (SK GO 45-929), and Alberta has changed the Companion Policy to Alberta Securities Commission (ASC) Rule 45-517 to clarify how cross-border financings will work.

See:  Advancing the dialogue on the future of financial services

Start-ups and early stage businesses must be aware of the different requirements in each jurisdiction and comply with the requirements of both SK GO 45-929 and ASC Rule 45-517. One significant difference between the two exemptions is that to raise money through a crowdfunding portal in Alberta, businesses must use a registered dealer. In Saskatchewan businesses must use an online funding portal, which is not required to be operated by a registered dealer.

For more information about SK GO 45-929 visit The ASC Rule 45-517 can be found on the ASC website at

The FCAA is a crown corporation responsible for developing and enforcing Saskatchewan securities laws, which regulate Saskatchewan capital markets and protect investors. The ASC is the regulatory authority responsible for administering Alberta's securities laws. The ASC is entrusted to foster a fair and efficient capital market in Alberta and to protect investors.

As members of the Canadian Securities Administrators, the FCAA and ASC work to improve, coordinate and harmonize the regulation of Canada's capital markets.

SOURCE Alberta Securities Commission

For further information: For Media Inquiries: Matthew Barton, Financial and Consumer Affairs Authority Saskatchewan, Communications Consultant, 306-787-6067; Hilary McMeekin, Alberta Securities Commission, Manager, Communications, 403.592.8186; For Investor Inquiries: ASC Public Inquiries, Toll Free 1.877.355.4488

The National Crowdfunding Association of Canada (NCFA Canada) is a national non-profit actively engaged with social and investment crowdfunding, alternative finance, fintech, peer-to-peer (P2P), initial coin offerings (ICO), and online investing stakeholders across the country. NCFA Canada provides education, research, industry stewardship, networking opportunities and services to thousands of community members and works closely with industry, government, academia and eco-system partners and affiliates to create a vibrant and innovative fintech and online financing industry in Canada.  For more information, please visit:



Self-regulation: Is it time?


NCFA Canada | Robin Ford, Advisory Group | 12 Jan 2018


The problem

A.  NCFA’s objective for regulation is that it should cost-effectively support (or not unduly inhibit) a competitive and vibrant crowdfunding regime and fintech industry in Canada that provides enhanced access to capital and investment opportunities and is worthy of  investor confidence.

B.  However well-intentioned, the current regulatory regime is inhibiting innovation and competition in Canada (although other factors are also in play). Please see the most recent NCFA submission to Ontario Ministry of Finance: ‘Urgent Need for Regulatory Change’ or the Competition Bureau's market study report titled ‘Advancing the Dialogue on the Future of Financial Services’.

C.  Detailed, prescriptive regimes can cause harm by (among other things): (1) not providing the right incentives for businesses to take responsibility for managing themselves well and treating customers fairly, and (2) distracting senior management and boards from focusing on essential governance improvements, strategic planning, policy and process improvements, fundraising, marketing, etc.

D.  NCFA has argued that the regulatory environment in Canada must change so fintechs, and start-ups generally, may enter the market, grow, and thrive. But supportive regulation is not enough.   Businesses must do more to bridge the gap between starting up, scaling up and maturing.  This is especially true if regulation does not focus on the right things.

E.  So - what can platforms and issuers (and prospective issuers) do, besides continuing to lobby for regulatory change? Answer - quite a bit. This brief post aims to start a conversation about self-regulation and the “right things”.



  1. Self-regulation can be defined as: “regulating (i.e, controlling or governing conduct) without intervention from external bodies”. Self-regulation includes written or unwritten internal policies and procedures (specific to a business) and may extend to regulation by an IIROC-type self-regulatory organization (Investment Industry Regulatory Organization of Canada).

  1. While the NCFA has no particular outcome in mind at this stage, we think most would agree that:

(1) as industries or businesses grow and mature, self-regulation becomes more important and must itself mature;

(2) good self-regulation can enhance the profitability and growth of businesses or sectors by reassuring and educating investors and clients/customers (building knowledge and trust), by improving and aligning business processes (for greater cost effectiveness), by helping to attract and keep employees and so on.


  1. There is another benefit.

“As regulators start to develop their own measures for setting and enforcing cultural norms there is a clear advantage for boards who can get ahead of this trend and demonstrate leadership in setting a culture that is strategically effective as well as meeting the lowest common denominator of regulatory acceptability. Companies with strong cultures that support their strategic aims will outperform those with weak or unaligned cultures.” -

Appropriate and effective self-regulation can also help to persuade an external regulator that the businesses being regulated pose a lower risk to its regulatory objectives. If so, supervision may be less intense and specific requirements may be less constraining. It can also help to shift the regulatory approach to one that is more principles based and outcomes focused, and to matters (the “right things”) that are arguably more important for the achievement of regulatory objectives than many of the prescriptive requirements that businesses in Canada now face (and not just from capital markets regulators).

See:  Fintech Regulation: Achieving the right balance to foster innovation

What outcomes should businesses be aiming for? There are several questions to ask:

(1) Our starting point is the UK Financial Conduct Authority's principles for businesses. Capital markets regulators in Canada tend not to require or focus on  these principles, but for UK regulators they are almost always the first priority.  Indeed, the regulatory approach of the FCA (and the FSA before it) has ensured that the principles have become not only the priority  for the capital markets regulators, but also for the regulated firms.

In the UK, regulated firms must be able to demonstrate to the FCA at all times that they meet the principles for businesses, which are:

  1. Integrity: a firm must conduct its business with integrity.
  2. Skill, care and diligence: a firm must conduct its business with due skill, care and diligence.
  3. Management and control: a firm must take reasonable care to organize and control its affairs responsibly and effectively, with adequate risk management systems [and, in particular - robust governance arrangements, a skilled and knowledgeable staff, and adequate record-keeping].
  4. Financial prudence: a firm must maintain adequate financial resources.
  5. Market conduct: a firm must observe proper standards of market conduct.
  6. Customers’ interests: a firm must pay due regard to the interests of its customers and treat them fairly.
  7. Communications with clients: a firm must pay due regard to the information needs of its clients, and communicate information to them in a way which is clear, fair and not misleading.
  8. Conflicts of interest: a firm must manage conflicts of interest fairly, both between itself and its customers and between a customer and another client.
  9. Customers relationships of trust: a firm must take reasonable care to ensure the suitability of its advice and discretionary decisions for any customer who is entitled to rely on its judgment.
  10. Clients’ assets: a firm must arrange adequate protection for clients’ assets when it is responsible for them.
  11. Relations with regulators: a firm must deal with its regulators in an open and cooperative way, and must disclose to the appropriate regulator any thing relating to the firm of which that regulator would reasonably expect notice.


We suggest that every business, regardless of regulatory requirements, should be able to make a clear, positive statement to its stakeholders about what it is doing to comply with these principles. 

Since regulation should be proportionate and reflect the nature, scale and complexity of the business (and the risk the activity may pose to consumers), each business will comply with the principles in a different way and will ramp up or change its internal standards and compliance as it grows and matures. At the same time, self-regulation should align with (and perhaps support) external regulation.

See:  The ICO Governance Deficit

(2) Better self-regulation for which sectors in particular? - portals, fintech, DLT, cryptocurrencies, start-ups, ICOs? What are the areas in greatest need of improved self-regulation (for either business improvement or greater trust or both)?

(3) What principles for businesses matter the most right now? For example, should we focus on standards of market conduct?  If so, then (as a first step) a code of market conduct might be suitable. If so, should it be an industry code of conduct that businesses can sign up to? How should it be enforced? Would the code of conduct  be worth the paper it is written on if there is no independent and transparent supervision?  Or would regular reporting by the businesses using the code be sufficient to persuade stakeholders that it is adding value?

(4) How should we take this discussion forward (if at all)?  What role could NCFA play - leader, issuer of guidance, educator?   What other organizations should be involved with this collaborative domestic/- global community effort?

We’d love to hear your views!

Please let us know what you think by email to by January 19, 2018.


The National Crowdfunding Association of Canada (NCFA Canada) is a national non-profit actively engaged with social and investment crowdfunding, alternative finance, fintech, peer-to-peer (P2P), initial coin offerings (ICO), and online investing stakeholders across the country. NCFA Canada provides education, research, industry stewardship, networking opportunities and services to thousands of community members and works closely with industry, government, academia and eco-system partners and affiliates to create a vibrant and innovative fintech and online financing industry in Canada.  For more information, please visit:












Blockchain | Cryptocurrency | Alternative Investing

Join Canada's leading financial technology and funding conference

Immerse yourself in blockchain, cryptocurrency, funding and fintech innovation through world-class education, workshops, and networking

Date:  March 5-6, 2018

Day 1:  Full day at the historic Design Exchange (234 Bay Street, Toronto)

Day 2:  Half day at Dentons Canada LLP (77 King Street West, Suite 400, Toronto)

Tickets:  $50 – $450

BLOCKCHAIN, CRYPTOCURRENCY and ALTERNATIVE INVESTING   The National Crowdfunding & Fintech Association of Canada (NCFA) is proud to present FFCON18: VELOCITY (2018 Fintech and Funding Conference), an expanded 4th Annual of Canada’s leading financial technology and funding conference.   As Cryptocurrencies dominate the media scene, and the ICO frenzy is in full fledge can the Blockchain live up to the massive demand to deliver real life use cases and value to the customer, and can Fintech and Funding catch up with the changing landscape of the industry.

The theme is all about speed, efficiency and reducing friction: VELOCITY.  Accelerating the speed of blockchain and capital innovation, disruption, integration and adoption.   If you are a blockchain, crypto or fintech innovator, investor or a company actively raising capital or key decision maker/stakeholder in technology and capital markets innovation initiatives and programs, FFCON18 is a must attend event delivering the most comprehensive thought leadership, education, networks, investment and pitching opportunities to global participants.

If you are a fintech investor, a company actively raising capital or key decision maker/stakeholder in technology and capital markets innovation initiatives and programs, FFCON18 is a must attend event featuring immersive content, pitching, networking, workshops and meeting exchanges over 2 days.  Are you ready for the VELOCITY Blockchain speed?


Exclusive Presenting Partner:

Platinum Partners:

Diamond Partner:


Lou Kerner: Co-founder and Partner,

Keynote: The Future of Bitcoin and Crypto


Diana Adachi: CEO, Pegasus Fintech Inc.

Keynote: Exponential Value Inherent in Blockchain and Its Transformative Potential


Anthony Diiorio: CEO & Founder Decentral & Jaxx, Co-founder Ethereum

Keynote: Can Canada Remain at the Forefront of Blockchain Globally?


Sheldon Pollack: Chairman, Ov2 Capital

Keynote Interview: Scaling Fast and Defining New Industries



Brady Fletcher: Managing Director, TSX Venture Exchange at TMX Group

Keynote Interview: Scaling Fast and Defining New Industries


Eric So: Co-Founder, Managing Director and CSO, Globalive

Keynote: The Future of Distributed Ledger Technology and Machine Learning



Brittany Whitmore, CEO and Founder, Exvera Communications Inc.

FFCON18:  VELOCITY  Master of Ceremonies


Education +  Workshops + Innovation + Prime Networking

5 Streams, 50+ Speakers, 40 Sessions, 12 Pitching, 1x1 Mentoring

 Pitching Companies at FFCON18

Twelve high-growth companies have been selected from inbound applications to pitch live at the 4th annual Fintech and Funding Conference: VELOCITY (#FFCON18). These companies will be pitching in four sessions on March 5, to be led by McCarthy Tétrault, Techstars Toronto, Launch Academy and Brightspark Ventures. Congratulations to the 12 finalists!

  1. Cinchy
  2. Coder
  3. ColliderX
  4. Distributed ID
  5. FintruX
  6. Homewise
  7. JustGotThat! Inc
  8. KickCity
  9. Neptune Dash Technologies
  10. SENSO.AI
  11. Swiggle
  12. Voleo

One winning company will be chosen from each of the four live pitching sessions at FFCON18, determined by a panel of judges and the crowd. Winning companies will receive prize packages consisting of free Lean Startup Training Programs from Launch Academy, a complementary Press Release Package for North American distribution from ACCESSWIRE, a “Front of the Line” Golden Ticket from CBC Dragon’s Den and more! These tickets will guarantee the winning companies a chance to pitch in front of the infamous dragons at any of their Season 13 upcoming auditions.

The Conference, to be held from March 5-6, 2018, attracts blockchain, crypto and fintech innovators, investors, companies actively raising capital and key decision makers/stakeholders in technology and capital markets from all over Canada and around the world. Click here to view the full program.

Cinchy is the next evolution in database technology. Tier-1 banks are already using Cinchy as a smart alternative to application databases, saving millions and building enterprise systems 2-10x faster.
Founded in 2015, Coder has built a decentralized venture development platform, aggregating the technology, strategy and growth resources required to execute on the delivery of new technology products.
ColliderX is the world’s first open-source, crowdsourced, and crowdfunded blockchain research and development hub. This is a unique model for unbiased, ground-breaking R&D that bridges the gap between industry problems and pure academic or corporate research.
DIID is the neighbourhood watch for fraud management. Monitor customer behaviour across all channels to enrich the tools your business uses to fight fraud.
FintruX Network is a blockchain-based peer-to-peer lending ecosystem connecting borrowers, lenders, and rated service agencies. FintruX Network makes it easy for small businesses to quickly secure affordable loans with no collateral, in any currency.
Homewise is a modern mortgage provider that brings a classic process online. Homewise is simple, transparent and sets the goal of getting our users the best mortgage.
JustGotThat! is a curated marketplace for everyday maintenance and repair services. Our customers are able to confidently find, book and pay for the services they need, when they need them.
Decentralized Event Management & Marketing Protocol on Blockchain: imagine Eventbrite & on blockchain with an awesome reward system that enables effective marketing.
Neptune Dash runs infrastructure for the Dash cryptocurrency network, specifically dedicated servers known as masternodes. We also build innovative technology that pushes the Dash currency to the next level.  TSX-V: DASH
SENSO.AI is an enterprise SaaS Customer Experience Management (CXM) platform, which predicts mortgage churn for financial institutions. Our loan and geographic level visualizations provide retention and marketing teams with recommendations on how to increase retention, lifetime value, and the size and quality of their mortgage portfolios.  
Swiggle automatically gets you money back when prices drop after you shop at retailers across the U.S. and Canada. We itemize your receipts, constantly search for lower prices and automatically get you the refund you’re owed.  
Voleo develops trading platforms for stock and cryptocurrency investment. Voleo’s namesake social trading app is live for US residents and available for white-label to financial institutions worldwide, while Cryptoleo will be launching for Canadians in 2018!  



Discover new blockchain, crypto and startup/scale-up deal flow opportunities and investment strategies. Gain access to high grow start-ups and leading-edge insights.


Lawyer, accountant, marketing specialist or tech guru? Get access to emerging early stage companies, deal flow and partners through new financial instruments to generate revenue and leads for your practice.


Network and pitch your venture to investors, customers and partners. Learn about the latest funding strategies and options.


Connect with leading capital markets innovators, consultants, fintech and blockchain leaders to develop an internal sandbox, rapidly iterate, test, deploy a nextgen global solution.

Fintech Leaders

Celebrate the transformation of digital finance with fintech peers and share how you are unbundling and enhancing financial services, mint your brand while fostering global opportunities.

Policy Makers

Discuss and learn how emerging digital technologies will impact the future of financial transactions and services globally and what it means for existing regulatory cultures and policies.

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Gain valuable industry insight and make new connections with customers, partners, investors, entrepreneurs and innovators.


Join 500+ investors, entrepreneurs, hackers, and industry experts to learn, network and be inspired by leading-edge content and the power of co-creation, innovation, tech and the crowd!


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