Category Archives: Online Funding / Investing Portals
Alberta-based Binance Canada expects to return to Ontario by 2024
FP | | June 2, 2022
In his first media interview since being tapped to lead Binance Canada, a newly created entity, Truong shed light on the company’s plans here after an eventful year that saw it withdraw from the country’s most populous province amid regulatory issues.
I usually tell that as my story of the value of compliance. A lot of people think that compliance is a cost centre, whereas I think there’s real enterprise value.
Seeking IIROC Registration
Truong said Binance has been seeking full registration as a securities and derivatives dealer with the Investment Industry Regulatory Organization of Canada — skipping the temporary registration as a restricted dealer with a provincial regulator, a path other exchanges have taken.
See: Binance hires ex-regulators and incorporates in Alberta to charter compliance course in Canada
Becoming an IIROC dealer straight away, while more onerous, allows a platform to offer more features, including leverage or margin trading. Truong said if Binance ends up offering those features to Canadians, it will likely be a limited version of what its global customers can access. Binance’s eventual Canadian platform would also have a smaller selection of coins, Truong said. While a conservative estimate of the completion date for IIROC registration would be spring 2024, Truong said he hopes it will be much sooner.
Setting up in Alberta
Alberta this year made a big push to attract crypto companies. Alberta is one of five provinces in which businesses register as securities dealers directly with IIROC and not the local securities regulator. Binance’s choice of the province, though, has nothing to do with the regulation regime, Truong said.
See: Alberta, The untold history of innovation from Canada’s badlands – Part 1
Truong’s own history of senior positions in the province, including in enforcement at the Alberta Securities Commission, played a role in the decision to register there as well.
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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How to Get a Loan for College with Help From A Parent
Guest Post | May 31, 2022
So you have your acceptance letter and are pouring over the class directory looking at the different things you can learn and need to learn for that diploma. You can picture your dorm room and roommate, even some of the fights you’ll likely have. Even the lunches in the cafeteria are vivid in your mind.
The one thing that is a little hazy is how you plan on paying for all of it. With so many types of options, scholarships, and grants, how are you supposed to navigate it all? If you’re American, your top choice is loans. For those of us whose parents make too much money to qualify for federal student loans (information available at this link) and scholarships, but not enough to pay for college flat out, there are a few options that are still available with the help of your parents.
What is a Parent College Loan?
Quite simply, a parent college loan is a loan that parents can take out for their child or children that will help pay for college. The amount can vary from lender to lender, and some may be enough to cover the entirety of your college expenses. The biggest difference between a parent college loan and a loan co-signed by your parents is your parents are entirely responsible for paying back the loan as their name is on the paperwork.
This means that should you fail out, drop out, or discontinue school for any reason, your parents will be responsible for paying back the loan. The conclusion I am sure they’re hoping for is paying back the loan of their college graduate or, more hopefully, their college graduate can help them pay it back when they find a job in their chosen field.
The Search Before the Loans
Firstly, you should look into the various scholarships your school, county, and state offer students in your area. If you think it may be too late to get scholarships, you might be surprised to find a few here or there that have had few or no one applied for. With scholarships dwindling, another possibility is granted through the government or your college directly. NerdWallet makes a good point when they put private loans as their last idea to pay for college (https://www.nerdwallet.com/article/loans/student-loans/how-to-pay-for-college). Before taking out loans with crazy interest rates, found out about the student work program at your school. Some schools will pay a student throughout the semester for putting in a few hours at their library, cafeteria, or working as an aid in one of the offices on campus.
Once you have gone through all other possibilities, then search for loans you or your parents can take out. While it may seem like a daunting task, paying for college is possible, and if you want to continue your education after high school, a necessity.
A Further Look Into Loans
Now that you have made sure to exhaust all resources in the search of how to pay for college, let us talk specifically about Parent Plus Loans versus private loans. Both loans are credited to pay for the cost of education and any additional expenses the student accrues while they are in college for the semester. The one downside to loans is you may have to continue to borrow money if you are unable to stretch your savings or the loan into further semesters.
Parent Plus Loans are loans granted to the parent of the student seeking to further their education. Your parents will be the primary borrower and will put down their information rather than yours, though it will still require your FAFSA information. If you already sought government grants, you should already have the FAFSA filled out. With that information, your parents can fill out the forms online via the Federal Student Aid website.
Private college parent loans are through private lenders, including banks. These institutions should be looked into thoroughly before your parents or any lender borrows money from them. There are many websites available to compare interest rates and payment options of various lenders and finding the best loan that will be easy to pay off is key to being able to pay off the loan quickly. While the Parent Plus Loan through the government is simpler to find, you may be able to find cheaper interest rates with a company that will still defer payment until your time in college has ended.
Final Thoughts
Going to college is an adventure. It can be the best years of your life and help guide you to the career you could spend the rest of your life in. This is a stepping stone in the direction of a bright future. Once you have figured out how to pay for college, soon enough you will be picking your classes, figuring out what major will help you live your best life, and picking bedding for your dorm.
Now you can feel more prepared to discuss payment options with your parents should this be the step to take. You have information on how to find out more and learn about different options available to you. Remember, loans may be daunting, but you will usually only have to worry about them after you are graduated and in a good-paying job. Congratulations and we hope you put your best foot forward into your future.
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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UK Revenue-based Lender, Outfund, raises £115m Series A
London Loves Business | Apr 27, 2022
Outfund are changing the way online businesses raise funds, today announces the close of a £115M Series A round of equity capital and debt amount. The funding round was led by Force Over Mass, PostFinance, 1818 Venture Capital and Tribe Capital, and will support Outfund’s rapid global growth as it provides a faster, fairer and more affordable way for SMEs to raise growth capital across the globe. With this new investment, Outfund is pledging to invest more than £500m of lending to over 5,000 businesses in the next 12 months, and will increase its lending limit to £10m per company.
See: Corl raises $20 Million USD to expand Revenue-Based Financing in North America
Outfund can deploy between £10,000 and £10million of funding, and is available to businesses that take online payments, have a minimum of £10,000 monthly turnover, and have been trading for at least six months. Only simple checks are required to access capital and there is no need for companies to provide business plans or go through prolonged risk assessments. Businesses simply connect their revenue accounts and, with access to this data, Outfund will build a funding offer and deploy the same day.
Unlike conventional business loans, Outfund ensures the time taken to repay is based on each businesses’s circumstances, with an agreed revenue share creating flexibility for founders. Outfund’s revenue-share percentages are set to ensure each business maintains a healthy cash flow in its day-to-day operations; the better the company does, the better Outfund does. For the first time, the funding balance between a company and a lender is equal.
See: Debt vs. Equity Financing: Pros And Cons For Entrepreneurs
Outfund’s technology takes the bias out of lending and improves financing terms, with analysis based solely on a business’ revenues and performance. 20% of Outfund’s portfolio are female founders, a testament to their commitment to advancing the democratisation of access to capital. Its advanced algorithm pulls information from multiple data sources to determine how a company performs, and is then able to de-risk the proposition. This allows more affordable funding, with longer payment terms and a flat fixed fee from 2%, making it the most competitive offering in the market.
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The National Crowdfunding & Fintech Association (NCFA Canada) is a financial innovation ecosystem that provides education, market intelligence, industry stewardship, networking and funding opportunities and services to thousands of community members and works closely with industry, government, partners and affiliates to create a vibrant and innovative fintech and funding industry in Canada. Decentralized and distributed, NCFA is engaged with global stakeholders and helps incubate projects and investment in fintech, alternative finance, crowdfunding, peer-to-peer finance, payments, digital assets and tokens, blockchain, cryptocurrency, regtech, and insurtech sectors. Join Canada's Fintech & Funding Community today FREE! Or become a contributing member and get perks. For more information, please visit: www.ncfacanada.org
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FINRA Fines Wefunder $1.4 Million and StartEngine Capital $350,000 for compliance violations
Finra | Press release | May 4, 2022
WASHINGTON, May 04, 2022--(BUSINESS WIRE)--FINRA announced today that it has fined two FINRA-registered funding portals a combined $1.75 million for failing to comply with securities laws and rules designed to protect crowdfunding investors. In settling these matters, Wefunder and StartEngine accepted and consented to the entry of FINRA’s findings without admitting or denying them.
Jessica Hopper, Executive Vice President and Head of FINRA’s Department of Enforcement:
Today’s actions highlight FINRA’s vigilance over this developing area of securities regulation and our unrelenting focus on investor protection.
FINRA regularly examines and conducts ongoing surveillance of funding portal members to determine compliance with FINRA's funding portal rules and SEC requirements. The Wefunder and StartEngine matters both originated from FINRA’s examination program.
See: US Investment Crowdfunding Exemptions Explained
In the Wefunder matter, FINRA found that from 2016 through 2021, across 39 separate offerings:
- Wefunder raised approximately $20 million more than permitted under crowdfunding raise limits. It did this by diverting the excess funds raised in the crowdfunding offering to a subsequent offering conducted under a different exemption from registration. FINRA found that by doing so, Wefunder exceeded the scope of its permitted activities as a funding portal
- Failed to promptly direct the transmission of funds to issuers or investors as required
- Improperly sent emails to hundreds of thousands of investors recommending and soliciting investments being offered on its portal in violation of a rule that prohibits such solicitations; included misleading communications on its funding portal website
- Failed, in multiple respects, to maintain a reasonable supervisory system to supervise its business, including, for example, its process for tracking investments.
As part of the settlement with Wefunder, the portal will be required to retain an independent consultant to make recommendations to improve its systems and procedures.
See: Reg CF: Investment Crowdfunding Tops $1 Billion on Heals of Funding Cap Increase
In the StartEngine matter, FINRA found that at various points between November 2016 and January 2018:
- StartEngine included issuer communications on its funding portal website that it knew or had reason to know were false or misleading
- Posted its own inaccurate counts of the number of investors in the offerings on its portal
- Failed to reasonably supervise potentially misleading issuer-prepared content
For example, one issuer, whose product was a home robot, exaggerated the robot’s level of functionality in a demonstration video posted on the StartEngine website. The video depicted the robot independently performing tasks such as waking sleeping family members, teaching a child piano and art, projecting a recipe onto a cutting board, patrolling a home for intruders, adjusting a thermostat and playing peek-a-boo with a child. During the offering, StartEngine received information that caused it to know or had reason to know that these claims were exaggerated and misleading, but it failed to correct them. Although a disclaimer on the offering page noted that the robot was a work-in-progress, it was insufficient to remediate the misleading content.
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The National Crowdfunding & Fintech Association (NCFA Canada) is a financial innovation ecosystem that provides education, market intelligence, industry stewardship, networking and funding opportunities and services to thousands of community members and works closely with industry, government, partners and affiliates to create a vibrant and innovative fintech and funding industry in Canada. Decentralized and distributed, NCFA is engaged with global stakeholders and helps incubate projects and investment in fintech, alternative finance, crowdfunding, peer-to-peer finance, payments, digital assets and tokens, blockchain, cryptocurrency, regtech, and insurtech sectors. Join Canada's Fintech & Funding Community today FREE! Or become a contributing member and get perks. For more information, please visit: www.ncfacanada.org
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Vancouver Proptech Startup addy Launches Canada’s First Crowdfunded Real Estate Investing App
Techouver | Apr 21, 2022
Vancouver proptech startup addy has launched Canada’s first crowdfunded real estate investing mobile iOS app.
Vancouver proptech startup addy believes in real estate for everyone with a crowdfunding platform that breaks down traditional barriers to real estate investment.
As an addy member, you can invest in institutional-grade commercial real estate (e.g., entire apartment buildings, commercial complexes and business parks) across Canada for as little as $1, enjoying fractional ownership without any work and a possible return on your investment.
See: How Proptech is changing the real estate industry
Using the addy app, Canadians get notified when a new property drops, connect with their growing community on Discord, and unlock the new addyverse – a digital twin of all of your addy investments.
Micheal Stephenson, CEO and co-founder of addy:
“We wanted to bring the accessible investing experience we’re known for closer to our members through a mobile app. From your palm, you can now invest in a commercial complex, business park, or apartment building alongside thousands of other community members. We are thrilled to offer Canadians a simple and fun way to start building their financial future with real estate.”
addy’s real estate deals are generally not available to the average Canadian, they simply trade from one wealthy individual to another and are never listed publicly.
See: Should I invest in real estate crowdfunding in Canada?
addy has listed 25 properties and counting on the addy platform and has raised over $10 million from thousands of Canadians, with a total asset value of nearly $500 million. Residents of Alberta, British Columbia, Ontario and Quebec over the age of the majority can become an addy member for $25/year.
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The National Crowdfunding & Fintech Association (NCFA Canada) is a financial innovation ecosystem that provides education, market intelligence, industry stewardship, networking and funding opportunities and services to thousands of community members and works closely with industry, government, partners and affiliates to create a vibrant and innovative fintech and funding industry in Canada. Decentralized and distributed, NCFA is engaged with global stakeholders and helps incubate projects and investment in fintech, alternative finance, crowdfunding, peer-to-peer finance, payments, digital assets and tokens, blockchain, cryptocurrency, regtech, and insurtech sectors. Join Canada's Fintech & Funding Community today FREE! Or become a contributing member and get perks. For more information, please visit: www.ncfacanada.org
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Lending Loop Launches ‘Loop Card’ for Small Business Cross-border Transactions
Betakit | | Apr 21, 2022
Lending Loop has launched Loop to provide a wider range of financial services for e-commerce businesses. The company’s first product is a corporate card specifically for cross-border transactions. The card allows companies to purchase in multiple currencies without fees. It also provides an extended repayment grace period, and credit limits based on sales rather than personal assets, which is often the case when entrepreneurs look to access corporate cards through banks.
In pivoting from lending to a broader financial services play, Loop has entered an increasingly competitive market. In the United States, well-capitalized players like Brex, Ramp, and Jeeves have created corporate cards tailored to startups. And in Canada where the market is still fairly bare, up and comer Float has attracted more than 1,000 customers in the last year alone.
See: Fintech Card Space is Growing: Brim Financial, Float, Caary Capital, Jeeves, Neo Financial
However, Pastoll is adamant that Loop’s product is different from the others, specifically targeting Canadian-based e-commerce businesses that are doing business internationally.
“Our product is specifically built for this customer segment that is doing business cross border,” said Pastoll. “And we’re understanding the two key things: working capital and needing to move money seamlessly and cost-effectively around the world. Those are like core tenants that are important to e-commerce businesses.”
Businesses can spend and make payments in CAD, USD, GBP and EUR currencies without foreign exchange rate conversions and fees. The Loop Card also provides 55 days of interest-free spending, which the startup argues is the longest interest-free period in the industry. For businesses involved in freight shipping from canada to us, such features can be particularly beneficial in managing cross-border transactions efficiently.
See: Fintech Fridays EP46: Making Business Borderless: International Payments and Partnerships
“The reason we’re offering that value prop is because we listened to e-commerce founders and heard, ‘I need the ability to basically push my expenses down the road so I can grow my business,’” said Pastoll.
Continue to the full article --> here
View the Lending Loop press release --> here
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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Fintech Fridays EP57: 10 Years of Investment Crowdfunding: Past, Present & Future Since the JOBS Act
About NCFA Canada | Craig Asano | Apr 11, 2022
Apr 8, 2022: NCFA's Fintech Fridays podcast episode 57
10 Years of Investment Crowdfunding: Past, Present & Future Since the JOBS Act
Host:
Craig Asano, Founder and CEO, NCFA Canada
Craig brings over 20 years of experience as a marketing strategist, software technologist and start-up entrepreneur in technology, finance, manufacturing and real estate sectors. He founded the National Crowdfunding & Fintech Association of Canada (NCFA Canada), a nationally organized non-profit that is Canada’s dynamic and inclusive advocate for the advancement of fintech, open finance, capital markets innovation, digital assets and currencies, P2P, crowdfinance and emerging technologies such Blockchain and AI that are transforming the future of financial services. Craig advocated for and is a key contributor to the birth of disruptive online financing marketplaces, and the P2P Fintech economy in Canada. Learn more about NCFA.
Featured Guests:
Peter-Paul Van Hoeken, Founder and CEO, FrontFundr
After a successful career in international banking, he immigrated to Canada in 2010 and chose the entrepreneurial path in finance and investing. He embarked on a mission to create the New Capital Market – Democratizing funding and investing in private companies. In 2013, Peter-Paul founded FrontFundr to address the challenge that young companies face in generating capital and to unlock investing in private companies to the wider community, the public. FrontFundr is now Canada’s leading online funding and investment platform in the private capital markets. For more info please visit the website.
Alan Wunsche, CEO and Chief Token Office, Tokenfunder
Alan started his career as a software developer/scientist and identified Ethereum early as a game-changer, and envisioned a decentralized future powered by blockchain. He’s implemented enterprise technology-driven business transformations, and was a capital markets and credit risk systems executive at a global bank. Alan founded Token Funder Inc., a Canadian leader in exempt market digital securities investing and trading, and is business building this venture. He launched Canada's first regulatory-compliant security token on Ethereum public blockchain; 1st security token as an EMD (@TokenGX); 1st secondary market security token trading platform for private markets (FreedomX). For more info please visit the website.
Alixe Cormick, President, Venture Law Corporation
Securities Lawyer and Advisor, Founder of Venture Law Corporation who works with privately-held and public companies, mergers and acquisitions, private placement investments, financial transactions, reverse mergers, initial public offerings and licensing matters, as well as general corporate matters. For more info please visit the website.
Sherwood Neiss, Principal, Crowdfund Capital Advisors
Sherwood Neiss, is a Principal at Crowdfund Capital Advisors and a Partner at Crowd Capital Ventures. He’s a serial entrepreneur and investor and was instrumental in helping the JOBS Act get passed. He created the first database that aggregates all online investment offerings under the JOBS Act including research and analysis of securities-based crowdfunding (used by the SEC and policy makers) and works to support local economies right across the United States. For more info please visit the website.
Andrew Dix, Founder and CEO, Crowded Media Group LLC
Crowdfund Insider is the leading news and information web site covering the emerging global industry of disruptive finance including crowdfunding and peer-to-peer / marketplace lending. Recognizing the overlapping aspects of the new forms of finance, Crowdfund Insider’s coverage includes both rewards and investment based segments of crowdfunding. The site provides extensive coverage, and industry leading perspective, from a team of staff writers and leading industry expert contributors from around the world. For more info please visit the website.
Kim Wales, Founder and CEO, CrowdBureau Corp
Kim Wales is a securities-based crowdfunding, P2P online lending, and digital banking pioneer. She brings a deep and broad background in corporate governance, risk management, and banking regulation. Ms. Wales is an author, adjunct professor, and business owner. Since 2017, Ms. Wales is the Founder and Chief Executive Officer of CrowdBureau Corporation, which provides rules-based stock indices for financial products such as ETFs and managed account platforms. The Company also provides research, data analytics, and risk management tools for the peer-to-peer lending and digital banking industry. Kim has been cited over 100 times in U.S. Jumpstart Our Business Startups Act, 2012 final rules for Titles III (Regulation Crowdfunding) and IV (Regulation A+). Kim is also an author and adjuct professor and sits on several boards. For more info please visit the website.
About this episode:
10 years ago in 2012, the Jumpstart Our Business Startups Act (JOBS Act) was signed into law in the U.S. (and eventually a similar exemption was approved in Canada) to encourage more capital to flow to startups, support innovation, and, create jobs. It's significance cannot be understated as the rule change allowed private companies to raise capital by selling securities digitally for the first time via registered online platforms and dealer-brokers. Regulation crowdfunding also democratized previously excluded retail investors (non-accredited) by allowing them to invest directly in startup ventures empowering a new era of digital finance.
See: Crowdfunding is Now a Serious Way for Private Ventures to Raise Capital
A tremendous amount of advocacy and regulatory change efforts took place to make this happen, and since then the original JOBS Act rules have been improved for investment crowdfunding in the U.S., such as increasing the fundraising cap from US$1 million to US$5 million (not in Canada though, we've asked for years ahem).
But there are still many challenges and myths to be debunked. While venture financings are at an all time high in sectors like fintech, it does not mean that startups are awash with capital. While there is growing interest among retail investors to participate directly in these offerings, and take control of their investment future, education and awareness still remains a top priority if industry is to grow in the right ways. Having said that, in the United States, RegCF recently surpassed $1billion raised. Canadian figures are more modest with at least $100 million in equity financings raised on a leading platform.
Today there's also a JOBS Act 2022 proposal on the table but will these changes be sufficient to support evolving technologies and their capabilities while also protecting investors? Regulatory change is slow and regulators should support innovation and competition. All stakeholders need to continue to support efforts to make capital markets whole, so EVERYONE can benefit from the advancements in technology or the wealth gap will continue to widen.
This is a not to be missed episode for anyone interested in the past or future of digital finance and capital markets. Join investment crowdfunding pioneers in both Canada and the U.S. who discuss the 10 year journey from a wide variety of perspectives including the evolution of first generation marketing platforms to the arrival of second generation decentralized finance models powered by blockchain technologies.
Duration: 92mins
Timestamps:
00:00:00 NCFA Fintech Fridays Intro
00:00:17 Craig Asano, NCFA Canada
00:02:06 Andrew Dix, Crowded Media Group
00:02:49 Sherwood 'Woodie' Neiss, Crowdfund Capital Advisors
00:03:32 Kim Wales, CrowdBureau Corp
00:04:23 Alixe Cormick, Venture Law Corporation
00:04:13 Peter-Paul Van Hoeken, FrontFundr
00:05:48 Alan Wunsche, Tokenfunder
00:08:21 RegCF advocacy (SEC, Congress, White House)
00:10:47 Designing the framework
00:11:58 Purpose of the JOBS Act
00:15:10 Road to Equity Crowdfunding in Canada: Change is hard (and long)
00:26:22 Blockchain finance: education and regulatory challenges
00:33:38 Crowdfunding’s Impact and opportunity: first US$1 billion
00:38:39 RegCF to digital finance
00:41:57 Evolution of digital finance Gen1 to Gen2
00:49:23 Digitalizing private capital markets
00:55:03 Ontario’s exemption 45-108 setup to fail
00:59:46 JOBS Act 2022 bill proposed to improve rules in the U.S.
01:00:10 Canada harmonizes equity crowdfunding rules Sep 2021
01:04:00 Educating regulators
01:06:00 Regulators need to support innovation and competition
01:09:00 Financial inclusion
01:11:00 Canadian ECF $100 million and beyond
01:17:00 Decentralized Finance is the future
01:19:00 Convergence and reducing wealth gaps
01:23:00 Regulatory culture change and sandbox
01:25:00 Capital markets need to work for everyone
01:30:00 Closing remarks
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The National Crowdfunding & Fintech Association (NCFA Canada) is a financial innovation ecosystem that provides education, market intelligence, industry stewardship, networking and funding opportunities and services to thousands of community members and works closely with industry, government, partners and affiliates to create a vibrant and innovative fintech and funding industry in Canada. Decentralized and distributed, NCFA is engaged with global stakeholders and helps incubate projects and investment in fintech, alternative finance, crowdfunding, peer-to-peer finance, payments, digital assets and tokens, blockchain, cryptocurrency, regtech, and insurtech sectors. Join Canada's Fintech & Funding Community today FREE! Or become a contributing member and get perks. For more information, please visit: www.ncfacanada.org
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