Karsten Wenzlaff, Advisor
August 26th, 2025
Karsten Wenzlaff is a Crowdfunding and Fintech Expert from Germany. He is Secretary-General of Digit[...]
Category Archives: Payments, Transfers, Rewards
What is the Legal Position for Cryptocurrencies in US Casinos?
Jun 13, 2024
Image: Freepik/rorozoa
According to NBC News, around 21% of US adults have owned cryptocurrencies at some point. However, cryptocurrency regulation is still a gray area and lacks definition. Digital assets are treated in various ways by interested agencies.
For example, the Securities and Exchange Commission (SEC), would like cryptocurrencies to be classified as securities, the Commodity Futures Trading Commission (CFTC) says that cryptocurrencies are commodities, and the Inland Revenue Service (IRS) started treating cryptocurrencies as property in 2014.
It’s clear that the overall legal position of cryptocurrencies in the US is complex. The same can be said for the legality of using cryptocurrencies at online casinos. We will examine the regulation of US online casinos and explain how this affects the use of cryptocurrency casinos in the country.
The legality of online casinos overall
Only seven US states currently permit online casinos to operate. These states are Connecticut, Delaware, Michigan, New Jersey, Pennsylvania, West Virginia, and Rhode Island. In these states, people can use licensed online casinos.
In addition, many Americans also use offshore online casinos where regulation is not present in any state except Washington, where offshore sites are specifically prohibited. Other states have formed a coalition to ask the Attorney General to take action against offshore operators. These states are Colorado, Illinois, Louisiana, Mississippi, New Jersey, and Nevada.
There is no sign of any such action being taken right now. This is important in a discussion about the legality of cryptocurrencies in US online casinos, as many offshore sites allow US residents to use cryptocurrencies when playing. As it’s the only state where offshore play is not permitted, Washington is the only place where players cannot use these sites.
The legal position of cryptocurrency casinos
We have already explained that US residents can use offshore online casinos, except for residents of Washington. No law prevents this. Sites like those mentioned on Wikihow are not regulated in the US, but they do have operating licenses from other jurisdictions that require them to be dedicated to customer protection and fair play.
While it’s legal for players to use cryptocurrencies, it’s not legal for a casino company in the US to operate cryptocurrency casino sites. This is why offshore operators are so popular with players who want the opportunity to use cryptocurrencies like Bitcoin and Ethereum.
These sites are booming in the US and internationally. According to current estimates, the cryptocurrency gambling industry is worth around $250 million overall. This value is set to increase further in the coming years. Whether the US plays a major role in this increase remains to be seen. The country’s impact will depend on how the regulatory landscape develops.
See: 37% Globally to Use Local Payment Methods by 2028
If the overall legal position regarding cryptocurrencies in the US becomes clearer, it’s possible that online casino operators will seek to offer cryptocurrencies alongside fiat deposit and withdrawal options. However, given the pressure from some states, it’s also possible that the federal government will pass a law prohibiting the use of cryptocurrencies for online gambling. Whether any such law is implemented, and whether it would go as far as prohibiting the use of cryptocurrencies at offshore sites remains to be seen.
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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Zum Rails’ Major AI-Driven BaaS Initiative and Strategic Hire
Release | Jun 7, 2024
Image: Zūm logo
Zūm Rails hires Miro Pavletic to lead new AI-driven banking project
A scaling Canadian fintech business Zūm Rails has announced the hiring of Miro Pavletic who joins Zūm to manage its large-scale AI-driven Banking-as-a-Service (BaaS) project. This is a key move to expand Zūm Rails' unique financial offerings and solutions.
Miro Pavletic
Fintech expert with a wealth of banking and finance experience, Miro Pavletic joins Zūm Rails as a key player in their newest project. Previously, Pavletic was the Co-founder and CEO of Stack, a digital challenger banking app that was acquired by Credit Sesame in 2020.
See: Züm Rails’ $10.5M Boost for North American Expansion
Pavletic will lead Zūm Rails’ BaaS product roadmap, which will integrate with Zūm Rail’s current payment services and include real-time fraud assessment, identity validation, and transaction settlement capabilities. Pavletic is committed to accelerating the development and implementation of these features on a unified platform, enabling businesses to surpass regulators' open banking deadlines and utilize artificial intelligence to effectively manage risk.
Key Developments and Financing
Since founding in 2019 Zūm Rails self-funded its way to profitability and has become a significant player in the North American payments market. Their 'omni-rail' solution combines instant payments with open banking to create a streamlined transaction process that supports multiple payment methods like Visa Direct, Mastercard, direct bank account linking, and Canada's Interac network.
In February of this year, Zūm Rails was in the spotlight when it successfully completing a $10.5 million CAD Series A fundraising round led by Arthur Ventures. The purpose of this capital infusion was to strengthen their open banking and quick payment capabilities, as well as to increase their market share in the United States. The company intends to launch new BaaS capabilities and a FedNow service in the United States that will allow companies to process FDIC-insured payments in a matter of seconds.
See: Implications of the BaaS Synapse Collapse
Firms like Plaid, Finicity, and established banks that are pursuing open banking are a few of Zūm's core competitors. Zūm Rails stands out in a crowded market thanks to its seamless integration of quick payments and open banking. This is the core of its unique value offer (in a fragmented market).
Closing Outlook
Zūm Rails is in a strong position to grow its market share and accelerate its creative activities, thanks to the smart hiring of Miro Pavletic and recent funding injection. As Zūm continues to innovate, stakeholders can expect a wave of new developments that will enhance the efficiency, security, and scope of financial transactions across North America.
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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PayPal Introduces Confidential Stablecoin Transfers
Stablecoins | May 31, 2024
Image: Solana
PayPal's PYUSD Stablecoin Enhances Privacy with Solana Integration
With the integration of PayPal's PYUSD stablecoin onto the Solana blockchain comes 'confidential transfers'—a function that preserves regulatory visibility while keeping transaction amounts private—have been added to its global payment offerings. This innovation ensures that financial authorities can still monitor transactions for compliance purposes while maintaining customer privacy by enabling merchants to hide transaction details from them.
Solana's Contribution to Improving Privacy
Solana blockchain was chosen because of its sophisticated programmability and fast transaction capabilities, which means digital payments cost less time time and money, a competitive advantage over conventional payments and even other blockchain networks. Its token extension standard makes development easier and provides enterprise-ready solutions for secure transactions. These transfers achieve a balance between transparency and privacy, which is essential for stopping illegal activity and safeguarding user data. Several use cases are made possible by PYUSD on Solana, including as almost instantaneous cross-border payments, economical business transfers, international payouts, microtransactions, and Web3 payments.
Global Trend of Stablecoin Privacy
PayPal's decision fits into a broader pattern wherein central banks and private businesses are investigating technology that improves privacy in digital transactions. Similar functionalities are being added by other stablecoin issuers like Tether and Circle while still complying to stringent legal requirements. The Federal Reserve and the Bank of England are two examples of central banks creating frameworks for Central Bank Digital Currencies (CBDCs) that guarantee private, safe transactions under regulatory supervision.
See: PayPal’s Legal Win Helps Shape Future of Digital Wallets
Stablecoin issuers face serious dangers associated with data breaches and central bank surveillance, even as they improve transaction privacy. These organizations seek to safeguard user data and maintain compliance by putting advanced security processes and regulatory frameworks into place. The creation of capabilities for confidential transfers on platforms such as Solana is an important step in striking a balance between privacy and legal needs.
Conclusion
The integration of PYUSD by PayPal on Solana is an example of how digital currencies can improve efficiency and privacy. Digital transactions should become more secure and user-friendly in the future as long as central banks and private businesses keep innovating.
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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VoPay Launches TXB Solution for Banks and Credit Unions
VoPay | Release | May 29, 2024
Image: Freepik
VoPay announces TXB, an API-first solution to enhance transaction banking and cash management for banks and credit unions
Canadian fintech, VoPay, just announced the release of its Transaction Banking (TXB) solution, which aims at assisting banks and credit unions to implement API-first transaction banking and cash management systems. The TXB solution offers an API-first architecture, which makes it seamless to integrate with existing systems. With this approach, banks and credit unions can take advantage of automated transaction workflows, which will result in enhanced operational efficiency.
Highlights
- TXB enables North American financial institutions to launch a range of API-first solutions that address virtual accounts, multi-layer ledger management, multi-currency cash management, process automation across various payment rails, and real-time visibility and centralization of cash.
- White-label global payments to send, receive, and manage accounts and payments anywhere in the world, building modern, automated, and API-led experiences with dynamic payment tracking. Receive end-to-end visibility across the chain, from initiation through to beneficiary credit, and information about the movement of the payments, charges, and even the timing of credit.
See: Canadian Fintech VoPay and Mastercard Partner to Move Money
- Smart routing optimization for cost-effective and rapid delivery with better principal protection.
- Initiate API payments and collections on-demand with US ACH, CAD EFT, Push-to-Card, RTP, and more.
Hamed Abbasi, Co-Founder and CEO of VoPay:
"We are thrilled to unveil TXB, the latest evolution of the VoPay platform. This launch is a direct response to the evolving needs of businesses as we continually strive to anticipate and address the next frontier in business solutions, empowering organizations to scale and operate with greater efficiency. I am immensely proud of the innovative spirit exhibited by our team and the unparalleled uniqueness of this product. With unwavering support from our partners and customers, TXB is poised to elevate VoPay to new heights on a global scale."
See: NCFA Congratulates Canadian Fintechs Selected for the UK’s Fintech CTA Program
Why This Matters
VoPay’s TXB technology transforms transaction banking for financial institutions that use API-first structures to improve security, efficiency, and operational performance while enabling banks and credit unions meet growth goals and offer better services to their customers. TBX will become available July 1 to existing customers. Not a customer? Speak with a specialist 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, 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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Safety and Security of Payment Methods at Canadian Online Casinos
May 27, 2024
Image: Freepik/rorozoa
In the Canadian online gambling sector, the safety and security of payment methods are normally a crucial point that tends to be forgotten by players. With a variety of payment options available, it is essential to properly understand what are the security measures in place to protect the personal and financial information of all players and which are the safest payment methods to make transactions in online casinos and sports betting sites.
This article explores what are the most important factors to have in mind when it comes to safety and security and which are the safest options to deposit and withdraw from online gambling platforms. We’ll look at their safety features and the importance of regulatory compliance to safeguard players' transactions and data.
Factors that increase safety and security when gambling online
When engaging in online gambling, the safety and security of payment methods are key to ensuring a secure gaming experience. Without them, player’s personal data is at risk, and the possibility of online scams is higher. The following are the most important factors to consider when online casino players choose payment methods and gambling sites to make transactions.
SSL technology
SSL (Secure Socket Layer) encryption is a critical technology used by online casinos to protect transaction data. This technology creates a secure link between the player's browser and the casino's server, ensuring that all data transmitted is encrypted and cannot be intercepted by third parties. When a player enters sensitive information, such as credit card details or personal data, SSL encryption scrambles this information into an unreadable format. This encrypted data can only be decrypted by the intended recipient, in this case, the online casino's server, using a unique decryption key.
SSL encryption is indicated by a padlock icon in the browser's address bar and a URL that begins with "https" instead of "http." This signifies that the website is secure and that any data entered is protected against eavesdropping and tampering. For Canadian online casino players, ensuring that the casino uses SSL encryption is a fundamental step in safeguarding their financial transactions and personal information.
Data protection
Encrypted data plays a crucial role in preventing unauthorized access to sensitive information. When data is encrypted, it is transformed into a code that cannot be easily understood by unauthorized users. This process protects the data during transmission and storage, ensuring that even if it is intercepted, it remains unreadable and unusable without the appropriate decryption key.
In the context of online casinos, data protection through encryption is vital for maintaining the integrity of financial transactions and safeguarding player information. It helps protect against a range of cyber threats, including hacking, identity theft, and fraud. By encrypting data, casino sites ensure that player information, such as account details and payment information, is kept confidential and secure.
Regulatory bodies often require casino platforms to implement robust data protection measures, including encryption, to comply with data security standards. In Canada, reputable online casinos adhere to these regulations to provide a safe and secure gaming environment for their players. This compliance not only protects players but also builds trust and credibility for the casino.
PCI DSS Compliance
The Payment Card Industry Data Security Standard (PCI DSS) is a set of security standards designed to ensure that all companies that process, store or transmit credit card information maintain a secure environment. For online casinos, adhering to PCI DSS compliance is crucial for protecting players' payment information.
Compliance with PCI DSS involves implementing various security measures, such as maintaining a secure network, protecting cardholder data, regularly monitoring and testing networks, and maintaining an information security policy. By adhering to these standards, online casinos can protect against data breaches and ensure that players' payment information is handled securely.
Safest payment methods for online gambling
Canadian players have some preferred payment methods when it comes to paying online. And it is the case with online gambling too, of course. In the content above, we have analyzed how important are the safety and security of these methods. Now, let’s go deeper into them and let’s have a look at which are the safest and most popular.
1. Bank Transfers
Bank transfers are considered highly secure due to the use of established banking networks and direct authorization from users. These transactions are protected by bank-level security measures, including encryption and stringent verification processes.
In Canada, the most used bank transfer system is Interac which is also offered by many online casinos. Interac casinos ensure both safety and efficiency, allowing players to instantly transfer from their Canadian Bank account to the casino account without fees.
Despite bank transfers being slower than other options, they still ensure such a high level of trust.
2. E-Wallets
E-wallets such as PayPal, Skrill and Neteller provide an extra layer of security by keeping users' bank details private. They often use two-factor authentication (2FA), encryption, and advanced monitoring systems to prevent unauthorized access and fraud.
PayPal is known for its strong buyer protection and ease of use. It is a preferred choice for many Canadian players. It offers quick transactions and robust security protocols. Skrill is popular for its low fees and high security standards, including 2FA and encryption. Neteller provides secure transactions with added benefits such as loyalty rewards and quick transfer times.
3. Cryptocurrencies
Cryptocurrencies like Bitcoin offer unique security advantages due to blockchain technology. Transactions are decentralized and encrypted, providing anonymity and protection from fraud.
The use of cryptocurrencies is growing among Canadian casinos online but it is yet limited. Using cryptocurrencies at online gambling offers the advantage of increased privacy considering blockchain is not related nor reports to any central authority. Players who value anonymity and security are increasingly turning to cryptocurrencies for their online casino transactions.
4. Credit and debit cards
Credit and debit cards are among the most commonly used payment methods at Canadian online casinos. They offer robust security features, including CVV codes, SSL encryption, and advanced fraud detection systems. SSL encryption ensures that all transaction data is securely transmitted between the user and the casino, preventing unauthorized access. Additionally, many card issuers offer zero liability protection against unauthorized transactions, further safeguarding users' funds.
See: What Does The Financialization of Games Mean? GameFi
Visa and MasterCard are widely accepted at Canadian online casinos. These brands are trusted globally for their stringent security measures and user protection policies. Players can rely on these payment methods due to their proven track record of safety and reliability in online transactions.
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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Lightspeed Partners with Uber Direct and Uber Eats
Payments | Release | May 24, 2024
Image: Lightspeed partners with Uber Eats Marketplace and Uber Direct, CNW Group/Lightspeed Commerce Inc
Lightspeed partnership with Uber Direct and Uber Eats to unlock new opportunities for merchants
Lightspeed's new North American partnership with Uber Direct and Uber Eats is expected to streamline delivery services and operational capabilities for merchants like hotels, restaurants, and retail, while expanding their market reach by accessing millions of new potential customers.
- The new partnership promises cost-effective delivery through Uber Direct, keeping merchants free from the headache and resources needed to build and maintain a delivery fleet. This will slash overhead costs and logistics, so merchants can focus on their core operations and growth.
- The Montreal-based payments technology company said the integrations create an option for Lightspeed customers to list menu offerings and receive orders direct from the Uber Eats marketplace. They will also be able to take orders through their own branded website with the order-anywhere system of Lightspeed and then use Uber Direct for delivery. Other offerings from Uber Direct include a same-day or next-day delivery service that uses API integrations and no-code tools for its business customers.
See: Embedded Finance: Banking Meets the Customer
- Prior to the company's collaboration with Lightspeed, Uber Direct and Uber Eats managed their integrated payments workflows through their own payment systems, a mix that included in-house processing, third-party payment providers like Stripe and Adyen, and mobile payment integrations such as Apple Pay, Google Pay and PayPal.
Conclusion
This collaboration enables merchants to focus on their core operations and growth while offering customers efficient and cost-effective delivery options. Ultimately, this partnership fosters innovation and growth in the fintech space, setting a new standard for delivery services and operational capabilities for merchants.
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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EU: MiCA, DORA, Open Finance Framework, and Digital Euro
Regulation | May 23, 2024
Image: Freepik
Key Digital Finance Legislation in the European Union
Digital finance in the EU refers to all financial services and instruments that rely on new Information and Communications Technology (ICT) from digital payment services and instruments to new market infrastructure for crypto assets using distributed ledger technologies. Below is an overview based on the European Parliament's briefing update on 'Digital Finance Legislation: Overview and State of Play". It is quite essential for the regulation and framework set upon by the EU to find a balance between innovation and digitization that will in turn provide an environment that is safe both for risk management and the consumers' protection.
2020 Digital Finance Package
Collectively, the digital finance regulations are called, "The 2020 package" and they are a foundational regulatory framework focusing on:
- Tackling market fragmentation
- Facilitating digital innovation
- Promoting a financial data space
- Addressing new digital finance challenges
See: EU Lawmakers Approve Historic AI Regulation Act
Overall, the package aims to improve market efficiency, strengthen consumer protection and support innovation by:
- Streamlining digital finance regulations
- Providing clear regulatory frameworks for digital finance innovations
- Providing a supportive regulatory environment, fostering new financial technologies
Four (4) Key Digital Finance Regulations
1. Markets in Crypto-assets Regulation (MiCA)
MiCA regulation is set out in such a way that it safeguards consumers and firms using crypto-assets and facilitates innovation. The regulation will secure a sound and transparent legal basis for crypto-assets market, harnessing the potential of innovation while ensuring financial stability.
The above regulation is going to achieve such factors:
- A clear and robust legal framework of DLT-based crypto-assets.
- Enhanced protections of consumers and investors' interests, and finally
- Ensuring market integrity and promoting innovation
Status: Enforcement since June 2023
Key Dates: Measures under Level 2 should be applicable by December 2024
2. Digital Operational Resilience Act (DORA)
DORA regulation is designed to ensure the financial sector is resilient to ICT-induced disruptions and cyber-attacks. It enhances operational resilience and cybersecurity in financial operations by requiring detailed documentation and management of risks.
DORA has the following objectives:
- Effective ICT operation
- Governance and control framework for ICT
- Effective third-party risk management
Status: Enforcement by January 2023
Key Dates: The law will be applicable by 17 January 2025
3. Open Finance Framework
This is a framing of infrastructures that allow for access to financial data. This will allow consumers and small and medium enterprises to share data securely with third-party service providers. The legislation gives consumers control and access to their financial data, thereby enabling innovation in competitive financial services.
See: Small Step Forward As Canada Publishs Straw-man Open Banking Framework
This framework has the following objectives:
- Access to data for businesses and consumers from institutions without any hindrance
- A visionary protection of data under GDPR
Status: The legislative proposal for the same was put forth in June 2021.
Key Dates: The process is at the state of being in the legislative process.
4. Digital Euro
Digital Euro is a project through which ECB seeks to acquire a form of the digital euro which they seek to supplement with what is already physical currency. This will pave the way for modernizing the EU payment infrastructure to allow secure and efficient digital transactions.
As per the ECB, Digital Euro would serve the following purposes:
- Reduce dependency on non-EU payment service providers
- Adapt to the growth in digital payment trends
- Strengthen strategic autonomy of the European Union in the financial sector
See: Open Banking: Revolutionizing Financial Data Sharing
Status: It has the same status—legislative proposals introduced in June 2021.
Key Dates: The adoption of the legislative mandates is pending.
Conclusion
EU digital finance legislation will be a foundational building block for a secure, innovative, and competitive financial ecosystem. The regulations will enhance market efficiency, ensure consumer protection, and foster technological advancements in the financial sector.
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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