Karsten Wenzlaff, Advisor
August 26th, 2025
Karsten Wenzlaff is a Crowdfunding and Fintech Expert from Germany. He is Secretary-General of Digit[...]
Category Archives: Marketing, Strategy, Growth, Design
SLC Digital and Tracer Labs Partner On SIM Identity Layer
Feb 25, 2026 | NCFA Fintech Market Activity | Identity Privacy And Data Governance
Image: Freepik
Mobile Identity Collaboration Targets Fraud and Access Gaps
On February 24 2026, SLC Digital and Tracer Labs announced a partnership that links SIM or eSIM backed device proof with portable digital identity and consent credentials.
The goal is to reduce account takeover exposure and strengthen approvals for high risk actions by proving the authorized device is present and the right person approves the action. SLC Digital says it anchors device trust to the SIM or eSIM and mobile network signals. Tracer Labs says its Trust ID layer supports identity verification, consent, and authorization workflows without repeatedly exposing personal data.
The FBI Internet Crime Complaint Center says that since January 2025 it has received more than 5,100 complaints reporting account takeover fraud, with losses exceeding $262 million
It's an interesting partnership because many platforms still separate identity from authorization. Identity checks often happen at onboarding while authorization often relies on an in app prompt or an SMS one time code. The solution describes a combined workflow that ties a sensitive action to a trusted device and a verified identity and consent credential, so the platform can show stronger evidence that the real user approved the change.
See: How Account Abstraction is Transforming Digital Identity Management
It fits best where one compromised session creates immediate damage. Think bank account changes, payout destination edits, payroll modifications, admin role changes, high value transfers, and merchant settlement rerouting. Those flows also create regulatory and audit exposure when firms cannot clearly prove who approved what and from which trusted endpoint.
Travis McGregor, CEO, SLC Digital:
“This partnership strengthens how organizations defend against modern digital fraud,”
Pete Hayes, CEO, Tracer Labs:
“Digital ecosystems can’t rely on one-time authentication in a world of autonomous agents and sophisticated threats,”
The companies will begin with a joint pilot and expand into enterprise deployments. It also lists SLC Digital partnerships and affiliations that signal an infrastructure grade route to market, including work with GSMA, IDEMIA, and Monogoto, plus membership in the NVIDIA Inception program.
Talking Point
If account takeover losses keep climbing, do banks and fintechs start treating device rooted authorization plus portable consent credentials as a baseline requirement for high risk actions, not an optional upgrade?
The National Crowdfunding & Fintech Association (NCFA Canada) is a financial innovation ecosystem that provides education, market intelligence, industry stewardship, networking and funding opportunities and services to thousands of community members and works closely with industry, government, partners and affiliates to create a vibrant and innovative fintech and funding industry in Canada. Decentralized and distributed, NCFA is engaged with global stakeholders and helps incubate projects and investment in fintech, alternative finance, crowdfunding, peer-to-peer finance, payments, digital assets and tokens, artificial intelligence, blockchain, cryptocurrency, regtech, and insurtech sectors. Join Canada's Fintech & Funding Community today FREE! Or become a contributing member and get perks. For more information, please visit: www.ncfacanada.org
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Stripe Scale Deepens As PayPal Acquisition Talk Emerges
February 25 2026 | Feature | Payments And Market Structure
Payments Platforms Evolve Into Global Financial Infrastructure
On February 24 2026, Stripe’s 2025 annual letter confirmed $1.9 trillion in payment volume, up 34% year over year and equivalent to roughly 1.6% of global GDP.
This year's annual update reinforces Stripe’s position as core digital infrastructure, not just a merchant tool. Stripe reported that more than half of the Fortune 100 now use its platform, alongside millions of startups and scaleups. Stripe is accelerating adoption across marketplaces, SaaS platforms, and AI native businesses.
See: Canada’s Open Banking Infrastructure Advances Before Policy
It also disclosed that revenue from its billing, tax, and invoicing products is approaching a $1 billion annual run rate. It's a significant number because it reflects diversification away from transaction fees toward higher margin software and financial operations services.
The company’s valuation rose to $159 billion via a recent tender offer, underscoring investor confidence despite tighter capital markets across fintech. Stripe’s letter stressed disciplined growth with improved profitability and cost management while still maintaining strong product expansion.
AI Native Commerce Is Driving New Payment Patterns
The letter devoted significant attention to AI driven business formation. Stripe reported a surge in AI startups using the platform to launch global businesses faster, often generating revenue within days of incorporation, demonstrating Stripe’s role as an infrastructure provider embedded at the earliest stages of company creation.
Stripe also pointed to increased adoption of programmable billing, usage based pricing, and embedded financial workflows, trends closely aligned with software led commerce and the agent economy.
These data points confirm that payments growth increasingly tracks software distribution rather than traditional retail expansion.
PayPal Acquisition Talk Emerge and Implications
Techcrunch reported via Bloomberg reporting that Stripe is interested in acquiring all or part of PayPal, pushing consolidation pressure across payments. While discussions are still unofficially confirmed, the strategic logic is clear. Stripe dominates developer first infrastructure while PayPal retains global consumer wallet reach and brand recognition.
The merger and acquisition combination would create one of the most comprehensive financial platforms spanning checkout, wallets, subscriptions, identity, and merchant services across online and offline commerce.
Payment providers are moving toward financial operating system models. The goal is to own customer onboarding, transaction processing, revenue management, compliance, and treasury workflows within a unified platform.
Such an evolution echoes themes explored in PayPal’s instant checkout integration with conversational AI, where payments become embedded directly inside digital experiences rather than appearing as a separate step.
See: Payments Canada Admits Five New Payment Service Providers
As platforms expand vertically, competitive advantage moves from pricing to ecosystem depth, data visibility, and developer integration.
Stripe’s growth trajectory holds direct relevance for Canada. Many Canadian startups rely on Stripe for global payments, subscription infrastructure, and cross border expansion. The company’s expanding product stack increases dependency but also enables Canadian founders to reach global markets without building their own payments infrastructure.
Also, consolidation (risk) will create opportunities for Canadian fintechs specializing in compliance automation, treasury intelligence, identity infrastructure, and vertical specific payments to build differentiated layers on top of global rails.
Talking Point
If payment infrastructure providers evolve into full financial operating systems, will future fintech innovation depend more on building differentiated layers on top of global rails than competing directly with them?
The implication for founders and investors is that infrastructure ownership and ecosystem depth will define the next competitive cycle. Fintech innovation increasingly occurs through orchestration of financial services rather than standalone payment processing.
The National Crowdfunding & Fintech Association (NCFA Canada) is a financial innovation ecosystem that provides education, market intelligence, industry stewardship, networking and funding opportunities and services to thousands of community members and works closely with industry, government, partners and affiliates to create a vibrant and innovative fintech and funding industry in Canada. Decentralized and distributed, NCFA is engaged with global stakeholders and helps incubate projects and investment in fintech, alternative finance, crowdfunding, peer-to-peer finance, payments, digital assets and tokens, artificial intelligence, blockchain, cryptocurrency, regtech, and insurtech sectors. Join Canada's Fintech & Funding Community today FREE! Or become a contributing member and get perks. For more information, please visit: www.ncfacanada.org
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Home Equity Partners Crosses $10M In Shared Equity Value
Feb 24, 2026 | NCFA Fintech Market Activity | Alternative Finance And Home Equity Sharing
House rich, cash poor? Home equity sharing
Equity Sharing Emerges As Alternative Liquidity Path for Owners
On February 10 2026, The Home Equity Partners (HEQ) reported surpassing $10M in managed home asset value within its first year, highlighting early traction for home equity sharing agreements as Canadian households search for ways to access liquidity without taking on new debt.
The Toronto-based fintech became operational in May 2025 and offers homeowners capital in exchange for a share of future home value rather than interest payments. Homeowners receive funds today and settle later when the property is sold or refinanced.
That structure positions home equity sharing as a complement to traditional options such as HELOCs or refinancing. The difference is simple. Homeowners don't add interest bearing debt. They share both potential appreciation and downside risk with the provider.
See: Revolut Pushes into Commercial Real Estate Lending
This isn't only a mortgage stress product. It appeals to homeowners who feel house rich but cash constrained, including:
- People renewing into higher payments
- Homeowners who do not want to refinance at today’s rates
- Self employed borrowers who face tighter credit
- Retirees managing cash flow, or
- Households funding renovations or major life expenses
Affordability Pressure Driving Demand
HEQ's model lands in a market where housing affordability remains under sustained pressure. CMHC’s latest housing supply gaps report says a return to affordability levels last seen in 2019 requires building about 430,000 to 480,000 new housing units per year over the next decade, roughly double the current pace. But supply shortages and higher borrowing costs continue to limit traditional refinancing options for many homeowners, increasing interest in ways to access home equity without selling the property.
Data tracking mortgage carrying costs shows many households face elevated payment ratios relative to income, with housing costs absorbing a growing share of disposable income across major Canadian cities. Read this Bank of Canada staff analysis about the typical Consumer's path to mortgage delinquency.
The company says its early portfolio reflects growing interest from homeowners seeking liquidity without increasing monthly obligations. While the $10 million figure remains modest relative to Canada’s housing market, it's an early sign that new financial products can tie directly to residential assets.
Fintech Implications
For fintech operators, the approach blends property finance, alternative lending logic, and long term investment exposure. Investors receive participation in home value changes, while homeowners gain flexibility that traditional credit products cannot always provide.
See: MrBeast Buys Step And Targets Youth Banking
The structure also introduces new considerations. Pricing transparency, valuation methods, exit timing, consumer awareness and education will impact adoption and regulatory attention as the model expands.
Talking Point
If mortgage renewals and affordability pressure continue to strain Canadian households, will equity sharing evolve into a mainstream financing option or remain a niche tool for homeowners seeking flexibility without additional debt?
The National Crowdfunding & Fintech Association (NCFA Canada) is a financial innovation ecosystem that provides education, market intelligence, industry stewardship, networking and funding opportunities and services to thousands of community members and works closely with industry, government, partners and affiliates to create a vibrant and innovative fintech and funding industry in Canada. Decentralized and distributed, NCFA is engaged with global stakeholders and helps incubate projects and investment in fintech, alternative finance, crowdfunding, peer-to-peer finance, payments, digital assets and tokens, artificial intelligence, blockchain, cryptocurrency, regtech, and insurtech sectors. Join Canada's Fintech & Funding Community today FREE! Or become a contributing member and get perks. For more information, please visit: www.ncfacanada.org
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Canada’s Open Banking Infrastructure Advances Before Policy
February 24 2026 | NCFA Market Activity
Image: Freepik
Loop Launches Direct Bank Data APIs For Canadian Businesses
On February 24 2026, Toronto fintech Loop Financial announced it has introduced direct banking connectivity for business financial data, allowing SMEs to access account data through secure APIs instead of credential based screen scraping.
The announcement targets a persistent operational challenge for finance teams. Screen scraping connections often fail when bank interfaces change, forcing repeated authentication and delaying reconciliation. API based connectivity replaces that process with permissioned data exchange designed to improve connection stability and data accuracy across accounting systems.
What The Product Actually Changes
Loop’s API layer integrates with accounting platforms including QuickBooks, Xero, and Wave, enabling transaction data to sync automatically without manual refresh cycles. Businesses operating across multiple financial institutions can gain more consistent visibility into cash positions and reporting workflows. The approach mirrors global infrastructure trends where tokenized access replaces credential sharing for financial data connectivity.
See: New CFR Review Highlights Gaps Fintechs Must Close
The company positions the infrastructure as a foundation for automation across bookkeeping, reporting, and financial operations. Reliable data flows support real time financial insights and reduce manual intervention in reconciliation processes.
Cato Pastoll, CEO of Loop:
"Financial data is the lifeblood of any growing company, yet for too long, Canadian founders have been forced to rely on technology that belongs in the early 2000s. When a bank feed breaks, it doesn't just create an error message; it halts month-end closes, creates blind spots in cash flow analysis, and forces finance teams to waste hours on manual data entry. We built this direct infrastructure because our customers deserve a financial operating system that works as hard as they do--without interruption."
Positioning Within Canada’s Open Banking Transition
Canada’s consumer driven banking framework remains in development, yet fintech infrastructure providers continue building capabilities aligned with expected data sharing models. Direct APIs reflect the architecture typically associated with secure data portability environments, including consent based access and standardized transmission methods.
Loop’s rollout highlights how market readiness can evolve ahead of regulatory implementation. Once formal frameworks are introduced, businesses already using API based connectivity may face fewer integration barriers.
Loop has expanded over recent years raising $6.4M CAD to build a global SMB finance platform, supporting cross border payments, FX management, and treasury tooling. The addition of direct data connectivity extends that platform strategy into financial data infrastructure.
For Canadian fintechs serving SMEs, data reliability remains a practical differentiator. Automated accounting workflows, embedded finance features, and financial decision tools all depend on stable connectivity between banks and software platforms.
Talking Point
Will early API infrastructure deployment by fintech providers accelerate adoption of consumer driven banking in Canada?
See: Global Fintech Investment Grew Over 20% in 2025
Foundational changes are taking place within Canada's fintech stack, after years of stagnation. Direct connectivity reduces operational friction today while aligning with future consumer driven banking expectations. Infrastructure improvements might appear incremental, but they influence how quickly financial innovation reaches everyday business users.
The National Crowdfunding & Fintech Association (NCFA Canada) is a financial innovation ecosystem that provides education, market intelligence, industry stewardship, networking and funding opportunities and services to thousands of community members and works closely with industry, government, partners and affiliates to create a vibrant and innovative fintech and funding industry in Canada. Decentralized and distributed, NCFA is engaged with global stakeholders and helps incubate projects and investment in fintech, alternative finance, crowdfunding, peer-to-peer finance, payments, digital assets and tokens, artificial intelligence, blockchain, cryptocurrency, regtech, and insurtech sectors. Join Canada's Fintech & Funding Community today FREE! Or become a contributing member and get perks. For more information, please visit: www.ncfacanada.org
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Jupiter DAO Vote Targets Net Zero Emissions
Feb 23, 2026 | NCFA Market Activity | DAOs
Net Zero Emissions Vote and Buyback First Treasury
On February 22 2026, Jupiter DAO closes the Net Zero Emissions option vote, moving JUP toward a supply tightening direction and a buyback first treasury posture. On chain reporting shows about 75% support for the Net Zero Emissions option and states the vote concluded at 7:00 PM ET. During the voting window, on chain analysis reports more than 24.5k votes recorded within the first 48 hours, with more than 13k individual voters backing the Proceed with Jupuary option by raw voter count, while the Net Zero Emissions option leads by voting weight at more than 73.9% during that same early period, on a voting distribution analysis that breaks down wallet counts and voting weight.
See: Planetary Health Check 2024 and Canadian Climate Tech
The proposal says net new emissions move from about 1.2B JUP to effectively zero, if the DAO approves the package. The proposal also states it postpones Jupuary and returns 700M tokens to the Community Cold Multisig, and it states Jupiter routes 50% of on chain revenues to open market buybacks. Jupiter already burns 3B tokens and it states founders lock tokens, including a founder lock to 2030.
Comparative DeFi Examples Buybacks And Supply Control
Legacy allocations shape why the DAO focuses on offsets. On chain analysis reports Mercurial stakeholders receive 5% of total supply or 350m tokens, with about 182m vested by February 2026 and 168m remaining to unlock, also on the voting distribution analysis that quantifies the Mercurial allocation and vesting status.
Maker uses surplus auctions where the system auctions surplus Dai for MKR and then burns the MKR received from the winning bid, which contracts MKR supply, as described in Maker Protocol documentation on the Flapper surplus auction mechanism.
Aave documentation states the Aave DAO operates a buyback program funded by protocol revenue with a $50 million annual budget and weekly purchases that range from $250,000 to $1.75 million, with tokens sent to the DAO Ecosystem Reserve rather than burned, on Aave protocol documentation describing the buyback program budget and execution.
Implications
The proposal turns token governance into capital policy that stakeholders can measure. It targets a defined dilution outcome by moving net new emissions from about 1.2B JUP to effectively zero, and it pairs that supply stance with a stated rule that routes 50% of on chain revenues to buybacks. That combination gives the market a simple scoreboard, emissions near zero plus ongoing buy pressure funded by revenue, not inflation.
Early vote analysis shows more than 24.5k votes within 48 hours and it shows a divergence where the Jupuary option leads by raw voter count while Net Zero Emissions leads by voting weight. Token weighted voting aligns outcomes with economic exposure, but it can widen the gap between how many people show up and who decides. Fintech builders can reduce that gap with delegation tooling, transparent quorum logic, and reporting practices that make governance outcomes feel earned.
See: Apex Group Pilots WLFI USD1 Stablecoin for Tokenized Funds
Offsets move sell pressure from the open market to treasury management. The proposal describes a treasury approach that aims to neutralize known future sell flows tied to vesting and distribution decisions, which creates a new execution test, the treasury must manage price, timing, and credibility in public. That's the same category of operational accountability that capital markets packaging requires.
Canada adds a practical lens because Canadian fintechs increasingly package products for institutional distribution where buyers demand explicit mechanics and predictable governance. Ledn’s Bitcoin backed ABS deal entering institutional markets shows how an institutional wrapper forces defined rules and clear investor expectations. Tokenized finance teams can apply that same discipline to emissions rules, treasury authority, and public reporting so partners can underwrite the model rather than debate it.
Talking Point
If a token stops emitting, who pays for growth and liquidity next, users through fees, builders through treasury, or the market through higher risk premiums?
The National Crowdfunding & Fintech Association (NCFA Canada) is a financial innovation ecosystem that provides education, market intelligence, industry stewardship, networking and funding opportunities and services to thousands of community members and works closely with industry, government, partners and affiliates to create a vibrant and innovative fintech and funding industry in Canada. Decentralized and distributed, NCFA is engaged with global stakeholders and helps incubate projects and investment in fintech, alternative finance, crowdfunding, peer-to-peer finance, payments, digital assets and tokens, artificial intelligence, blockchain, cryptocurrency, regtech, and insurtech sectors. Join Canada's Fintech & Funding Community today FREE! Or become a contributing member and get perks. For more information, please visit: www.ncfacanada.org
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Ledn Bitcoin Backed ABS Deal Enters Institutional Markets
Feb 23, 2026 | NCFA Fintech Market Activity | Digital Assets Blockchain And Tokenization
Crypto Secured Credit Packages Reach Rated Bond Buyers
On February 20 2026, Ledn announced the first ever investment grade asset backed securities transaction in the digital asset industry, placing Bitcoin secured consumer loans into a capital markets format designed for institutional fixed income buyers.
Reporting on presale ratings and collateral detail indicates the transaction totalled about $188M and referenced a collateral pool of 5,441 Bitcoin backed consumer loans secured by 4,078.87 Bitcoin with an aggregate presale collateral value near $330M. S&P Global Ratings assigned preliminary ratings to two tranches, signalling that crypto secured loan performance can be assessed within traditional credit frameworks.
What Is ABS Format
An asset backed security (ABS) pools loans and converts expected borrower payments into tradable bonds. In this structure, the underlying assets are Bitcoin collateralized consumer loans, which places operational emphasis on custody safeguards, liquidation triggers, valuation discipline, and reporting transparency.
See: BC Supreme Court Ends $1.2M Bitcoin Loan Dispute
For additional background on how crypto backed loans operate at the borrower level, this Fintech Fridays episode, Bitcoin backed loans and putting your crypto to work, provides context with Ledn Co-founder Mauricio Di Bartolomeo.
The Ledn issuance positions securitization as a funding diversification path. Instead of relying only on balance sheet capital or warehouse facilities, loan originators can distribute credit risk to bond investors, expanding lending capacity without requiring traditional bank balance sheet support.
Implications For Crypto Credit And Capital Markets
Structure changes market access. A crypto lending desk can fund loans directly, but a rated ABS wrapper introduces buyers who operate under fixed income mandates and portfolio risk frameworks. That development moves crypto secured credit closer to mainstream credit market infrastructure.
The transaction also reinforces operational expectations. Securitization forces clarity around collateral custody, margin maintenance, liquidation speed, valuation timing, and stress scenario performance. If these controls prove reliable in market cycles, securitized crypto credit could evolve into a recognized institutional allocation sleeve.
Ledn represents a Canadian founded crypto finance platform now operating globally. Prior milestones include Tether investing in Ledn to expand crypto credit access and Ledn receiving VASP regulatory approval in the Cayman Islands, which together strengthen its institutional positioning and reporting posture.
If institutional investors begin treating crypto secured ABS pools as a defined allocation sleeve, Canadian originated platforms that demonstrate transparent collateral management and disciplined underwriting could gain access to funding channels that operate beyond domestic banking constraints.
Talking Point
If securitized crypto credit continues to mature, the competitive edge may hinge less on yield and more on collateral governance, transparency, and investor distribution relationships.
Crypto secured lending is beginning to compete not only on returns, but on structure, reporting discipline, and institutional investability.
The National Crowdfunding & Fintech Association (NCFA Canada) is a financial innovation ecosystem that provides education, market intelligence, industry stewardship, networking and funding opportunities and services to thousands of community members and works closely with industry, government, partners and affiliates to create a vibrant and innovative fintech and funding industry in Canada. Decentralized and distributed, NCFA is engaged with global stakeholders and helps incubate projects and investment in fintech, alternative finance, crowdfunding, peer-to-peer finance, payments, digital assets and tokens, artificial intelligence, blockchain, cryptocurrency, regtech, and insurtech sectors. Join Canada's Fintech & Funding Community today FREE! Or become a contributing member and get perks. For more information, please visit: www.ncfacanada.org
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Wealthsimple Earns CIX Innovator Of The Year
Feb 19, 2026 | NCFA Fintech Market Activity | CIX Summit
Image: Michael Katchen, Co-founder and CEO, Wealthsimple
Wealthsimple Earns CIX Innovator Of The Year
On February 19 2026, Elevate named Wealthsimple Innovator of the Year for 2026 CIX Summit, who achieved a banner record year that included assets under administration doubling from $50B to more than $100B, 650,000 new clients, and more than 3 million Canadians served.
The release ties the award to three proof points that matter for founders and investors who care about durable scale.
First, it says Wealthsimple raised $750M in equity financing at a $10B post money valuation in October 2025 while maintaining profitability.
Second, it highlighted product expansion that moved beyond a single wedge, including 24/5 trading for US stocks, new trading tools including margin and expanded options strategies, plus a credit card.
Third, it points to distribution outcomes, including capturing 35% of all First Home Savings Accounts opened in Canada and ranking among the top three institutions in the country for net deposits.
Lisa Zarzeczny, CEO, Elevate:
“Wealthsimple exemplifies the bold innovation and execution that the CIX Innovator of the Year award celebrates. Their commitment to using technology to democratize access to sophisticated financial tools is exactly the kind of innovation Canada needs more of. We’re thrilled to honour their achievements and hear from Mike at CIX Summit about how they’re continuing to push boundaries in an industry ripe for disruption.”
This award lands in a moment where Canadian consumers keep moving toward digital first money management, and incumbents keep responding with pricing and product changes like options fee changes and real gold investing, plus competitive positioning where challenger platforms push directly at big bank margins. Those tracks connect cleanly to what CIX rewards here, which is compounding execution across product, distribution, and balance sheet strength.
In addition to Innovator of the Year award, see all 14 CIX 2026 startup award winners across early, emerging, and growth categories.
Mike Katchen is scheduled to accept the award and speak at CIX Summit 2026 on March 25 2026 at the Design Exchange in Toronto, alongside curated startup presentations and investor meetings, according to the release. NCFA is sharing a 20% community partner discount on CIX Summit passes for its community. Use CIXNCFA20 for 20% off. CIX publishes ticket options and event logistics on its official ticket page. Register with NCFA and save.
Talking Point
If a fintech can add hundreds of thousands of clients while it doubles assets, raises late stage capital, and expands into credit, what becomes the real incumbent moat in Canada next, distribution, product depth, or trust?
Awards do not build companies, but they do spotlight operating models that work. Congratulations to Michael Katchen and the entire Wealthsimple team for leading fintech in Canada across a number of fronts. Well deserved!
The National Crowdfunding & Fintech Association (NCFA Canada) is a financial innovation ecosystem that provides education, market intelligence, industry stewardship, networking and funding opportunities and services to thousands of community members and works closely with industry, government, partners and affiliates to create a vibrant and innovative fintech and funding industry in Canada. Decentralized and distributed, NCFA is engaged with global stakeholders and helps incubate projects and investment in fintech, alternative finance, crowdfunding, peer-to-peer finance, payments, digital assets and tokens, artificial intelligence, blockchain, cryptocurrency, regtech, and insurtech sectors. Join Canada's Fintech & Funding Community today FREE! Or become a contributing member and get perks. For more information, please visit: www.ncfacanada.org
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