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
Central bank digital currencies: towards global adoption
PwC | April 2021
Challenges related to new monetary infrastructures and opportunities for businesses
Payment behaviour is changing. Cash is being used less and less with the generalisation of bank card payments: just 28% of the amount of point-of-sale transactions is made in cash according to the Banque de France, and is declining year-on-year.
In order to support these societal changes, improve the efficiency of payment systems and remain competitive, central banks are exploring the potential of innovative technologies. The ambition of creating a Central Bank Digital Currency (CBDC) is not to replace cash but to offer an alternative.
See: Ripple Pilots a Private Ledger for Central Banks Launching CBDCs
Presented as a digital token, CBDC supports solutions to societal issues such as financial inclusion. For example, it makes it possible to democratise access to the financial system for the "unbanked" access to mobile telephony, whose networks are much wider than the banking network. The ability to receive and send money is very important for disadvantaged members of society, allowing them to escape from poverty.
Today, most central banks are working on CDBC projects and, as announced by the European Central Bank, the project of a digital euro should see the light of day within five years.
Continue to the full article --> here
Download the PwC Global CBDC Index (42 page PDF) --> 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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Liquid Avatar Launches KABN Prepaid Visa Card and Mobile Card App in Canada
Liquid Avatar Technologies | Cara Buckspan | Apr 26, 2021
Company completes the next phase of its fintech corporate development with the integration of traditional and mobile payment solutions.
TORONTO, ON / ACCESSWIRE / April 26, 2021 / Liquid Avatar Technologies Inc. (CSE:LQID)(OTC PINK:TRWRF)(FRA:4T51) ("Liquid Avatar Technologies" or the "Company") a global blockchain, digital identity and fintech solutions company, is excited to announced that it has launched the KABN Prepaid Visa Card in Canada, powered by the XTM Inc. (PAID)(XTMIF) payment platform and its sponsoring financial institution.
Liquid Avatar Technologies has begun to roll out the program in Canada and has plans to expand its card program rollout to other geographic regions subject to all necessary approvals. The KABN Prepaid Visa Card and Card App will provide users with a host of services similar to those of major financial institutions. Additionally, the KABN Prepaid Visa Card will integrate seamlessly with the Liquid Avatar mobile App, providing qualified Liquid Avatar App users with an easy way to apply for and access their KABN Prepaid Visa Card directly from the Liquid Avatar mobile App.
KABN cardholders will automatically be entitled to participate in KABN KASH, an exclusive and customized consumer experience where users can earn cash back on transactions with over 400 major online merchants, like Chapters Indigo, Walmart, Lenovo, Sephora, Viator, Nike and others. Liquid Avatar mobile App users that also have a KABN Prepaid Visa Card will, from time to time, receive additional bonus offers.
See: Biometric payment, access and ID cards launching around the world
As part of its onboarding strategy for KABN Prepaid Visa Cardholders, the Company's state of the art, Verifiable Credentials Ecosystem, will provide users with a digital identity verification and validation services at no charge. Thus, allowing them to prove their identity continuously without the hassle of verifying time and time again to a growing list of online service providers and other value-based programs. In turn, validated users are qualified, subject to permissions and necessary approvals, for unique and customized financial services other value-based opportunities via KABN KASH.
According to Prepaid Cards Canada (Payments Canada 2020) Canadian Payments: Methods and Trends 2020, in 2019, prepaid cards, either plastic or virtual, grew significantly at the Point of Sale ("POS") with respectively, an 8% increase in volume and a 6% increase in value.
Nearly one in five Canadians either purchased or received at least one prepaid card per month. Young adults, those aged 18 to 34, and unbanked Canadians are the most common users of prepaid payments products. This is driven by a lack of access and acceptance of traditional banking products and services. Prepaid cards are starting to be used by a wider base, as those who seek security and identity protection for purchases have turned to prepaid cards as an alternative to cash. As prepaid cards are not directly linked to user account information, they offer an electronic method of payment that carries many of the benefits of cash.
A recent study found that 70 per cent of Canadians are more concerned about fraud today than they were five years ago, which can drive more consumers towards prepaid cards to minimize the risks that come with sharing financial information online or using cards directly linked to banking accounts. The use of prepaid cards has been accelerated by emerging e-commerce and mobile payments trends. Prepaid cards accounted for 10 per cent of e-commerce payments in 2019.
See: Digital Payments in America – Scaling the Peak
Canadians were three times more likely to use a prepaid payment for e-commerce than they were at physical POS merchant locations. The growing use of mobile payments also plays a significant role in accelerating prepaid card use. In 2019, 80 per cent of prepaid POS purchases were made using closed-loop store cards, with a notable number of prepaid purchases being linked to mobile devices and virtual prepaid cards. Over a quarter of Canadians (28 per cent) used at least one prepaid virtual card. The use of prepaid cards at these establishments is directly linked with rewards and loyalty programs that drive consumer usage.
"The KABN Prepaid Visa Card will give Canadian users access to unique value programs helping to enhance their spending power wherever Visa is accepted, in more than 200 countries and territories worldwide," said Michael Konikoff, Chief Revenue Officer of Liquid Avatar Technologies. "We are excited to be launching this pivotal part of our fintech network and to be working with XTM to accelerate our joint business efforts in Canada."
"Liquid Avatar Technologies' unique business model creates opportunity to convert a growing number of qualified, authenticated users into active program participants," said Marilyn Schaffer, CEO, XTM. "We expect to see rapid growth of this dynamic user base throughout Canada."
View the original 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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Faster payments: a corporate treasury breakthrough
Association of Corporate Treasurers | March 2021
Faster payments initiatives are a key breakthrough for treasurers and financial markets. Tony Carfang asks what comes next and how we measure success
Over the past several decades, payments have become faster, cheaper, more secure and more reliable. Cheques used to take days in the mail and then days to clear once deposited. International funds transfers would pass through several banks, each taking a ‘lifting’ fee as the funds slowly passed from originator to recipient. Fortunately, those days are over.
Transaction settlement times have declined from weeks (the cheque is in the mail) to days to minutes. Only a couple of years ago, same-day settlement was hailed as a breakthrough. Now, the target is 10 seconds or less and many closed networks are achieving that fairly consistently, something that is now being called ‘immediate payments’.
See: Clubhouse launches payments for creators
Central banks, commercial banks and payment networks are racing to make payments even speedier. This is all very good, since timing delays in payments and their accompanying information create risk and uncertainty as well as wreaking havoc with cash forecasts and liquidity cushions.
In the US, the Federal Reserve launched its Faster Payments Task Force with this statement: “The task force calls upon all stakeholders to seize this historic opportunity to realise the vision for a payment system in the United States that is faster, ubiquitous, broadly inclusive, safe, highly secure and efficient by 2020.”
Around the globe, the UK announced its Faster Payments Service in 2008. In 2017, the European Central Bank (ECB) kicked off its TIPS program (TARGET Instant Payment Settlement) with the goal of instant payments 24/7 within the euro area. The Hong Kong Monetary Authority launched the Faster Payments System initiative in 2018.
Curiously and embarrassingly, however, securities settlement times around the globe remain prehistoric in this faster-immediate payments context. Stocks, bonds and most mutual funds settle in a T+2 framework, two days. That’s business days – so add in two more days for the weekend.
Benefits
The success of faster payments is one of the most important financial market breakthroughs of our time.
See: Revolut to roll out QR code payments for business customers in 25 countries
No doubt, payments are becoming faster, cheaper, more secure and more universal. The benefits of these initiatives are immense.
- More efficient use of capital. Float falls from days to seconds, lowering receivables. As settlement speeds up, less working capital is required to support the float. Ultimately, cash is freed up for other corporate purposes or returned to shareholders.
- Reduced credit risk. The risk of a vendor failing to pay for goods or services increases with elapsed time. By settling a transaction ‘faster’, that risk decreases. Payment problems can be identified and addressed earlier. Collateral can be seized. Shipments can be withheld. Collection treatment can begin. The end benefit is that a higher percentage of top-line sales reaches the bottom line.
- Fraud reduction. Fraud is better policed and more quickly identified. When transactions are settled in seconds rather than days, fraud is identified in seconds rather than days. This earlier identification will lead to higher recoveries and lower fraud losses.
- Reduced markets risk. They are rare but when they occur, they hurt. Bank failures, devaluations, currency blocks and other external events happen without warning and often on weekends or at least after the close of business. The faster the payment, the less likelihood of a crippling event happening while the payment is still in process.
- Robust information. Most of the faster payments networks are keenly aware of the importance of the payment information and building rich payment flows into the process.
This technology advancement will help a multitude of industries such as online gaming centres where people want to play safe and want fast and easy cash out, withdrawals & deposit methods.
A word about crypto payments
No review of the payments landscape would be complete without acknowledging the role of cryptocurrencies, especially Bitcoin, in payments. Indeed, there have been a couple of notable corporations announcing their acceptance of Bitcoin for payments. It’s very early in the game, but with central banks now exploring Central Bank Digital Currencies (CBDCs), expect to see these payments evolve in a material way.
See: Digital Payments in America – Scaling the Peak
There are two major obstacles at present and we are watching developments closely:
- Since the transactions are anonymous, we expect to see tight regulations to protect the legitimate payments while thwarting underground payments.
- From an accounting and taxation standpoint, there are questions around whether cryptocurrencies receive ‘cash and cash equivalent’ treatment and how gains and losses will be treated.
How these two challenges are resolved will determine the ultimate utility of cryptocurrencies as payment vehicles.
Continue to the full article --> 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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CoinPayments Set to Remain Leading Crypto Payment Processor Finds D-Core Survey
Yahoo Finance | Release | April 13, 2021
D-CORE Research (CNW Group/CoinPayments)
LONDON, April 13, 2021 /CNW/ - Emerging technology research company D-Core released its latest analysis reviewing the future of the cryptocurrency landscape, calling for CoinPayments to remain the leading crypto payments processor in 2026.
D-Core's report surveyed 161 experts, asking them: "Which crypto payment processor will definitely be operating in five years time?" Of those surveyed, 37% picked CoinPayments, giving it the top spot. The other crypto payment processors included in the report were Bitpay (29%), BTCpay (19%), SpicePay (13%), CoinGate (1%), among others.
"It is great to be recognized as a top crypto payment processor among experts in the industry," noted Jason Butcher, CEO of CoinPayments. "Since 2013, our aim has always been to fuel crypto adoption and the most effective way to give digital assets their rightful place as mediums of exchange is by enabling businesses and consumers to use them for everyday purchases."
See: Jason Butcher, CEO Coinpayments speak at the 7th Fintech & Financing conference: FFCON21 Breaking Barriers May 11-13
The report's timely release comes as notable companies like Paypal and Tesla announce that they will be facilitating crypto payments for customers. Crypto adoption is steadily on the rise as more businesses come to understand the benefits that come with accepting crypto payments.
"D-Core's focus is on providing unique information and insights into emerging technology companies and projects in blockchain, decentralized finance, and payments," noted D-Core founder Kevin Mudd. "As more people look for information on crypto and payments, we aim to help to uncover tomorrow's disruptors in the space to help institutional investors, family offices, hedge funds, and main street investors make wiser investment decisions."
About CoinPayments
CoinPayments is the easiest, fastest and most secure way for merchants worldwide to transact in cryptocurrencies. It is the first and largest cryptocurrency payment processor with more than US $10 billion in total transactions to date, while supporting more than 2,000 coins, and is the preferred crypto payment solution for merchants and Ecommerce platform providers worldwide. Founded in 2013, CoinPayments is dedicated to providing clients with fast, secure and user-friendly crypto payment APIs, shopping cart plugins, digital wallets, and a host of other solutions supporting cryptocurrency payment applications. Learn more at: https://www.coinpayments.net/.
Continue to the full article --> 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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#FFCON21 Brings Canada’s Tech Hub to the Web for 3 Days of Fintech Insights, Business Building
Investor Wire | Jonathan Keim | April 10, 2021
FFCON21: Breaking Barriers May 11-13
- The 2021 Fintech & Financing Conference and Expo (#FFCON21) is scheduled May 11-13
- Global virtual conference streamed from Toronto, the hub of Canada’s developing fintech ecosystem, but presented online due to pandemic concerns
- 50-plus speakers with expert insights planned
- Networking opportunities to connect one-to-one with peers and experts
- Draft pitching competition to gain attention for business brand (as well as prizes)
The 7th Fintech & Financing Conference and Expo will be held for global participants virtually from May 11-13, 2021. Originating in Toronto, FFCON21 has grown from a basic collaboration between entrepreneurs and big businesses intent on driving change into a thriving gathering of fintech, blockchain, crypto, digital banking, AI, payments, wealthtech, regtech, alternative finance stakeholders and global participants with a love for Canada’s fintech ecosystem.
In its seventh year, the 2021 gathering (#FFCON21) has been adapted to the health security needs of attendees during the present global pandemic, offering exclusive online access to a three-day collection of educational courses, networking opportunities, pitch competitions, e-booth demos and an auction for charity.
The conference will take place May 11 to 13, still celebrating its place within Canada’s rising fintech and financial sector even as it extends its reach to a global audience through a virtual platform. Tickets, including early bird rates at present and a special startups-only package, are available at https://ibn.fm/3Ov1h.
Conference organizers anticipate bringing attendees to the table with some 50 speakers ranging from Main Street executives such as the president and CEO of public-private partnership Toronto Finance International to enterprising up-and-comers such as the founder-partner of startup builder Borderless Ventures and its CryptoAssets Institute.
See: Showcase your products/services: Secure a DEMO Speaker spot at FFCON21: May 11-1
The second annual draft pitching and demo competition follows a sports league model geared toward identifying and featuring emerging and high growth fintech startups and scaleups. The “Breaking Barriers” theme of the conference is particularly appropriate here as draft participants compete for exposure and prizes, including promotion to investors, media, prospective buyers and partners.
The online access format driven by the pandemic proved advantageous last year following a scheduling delay necessary to reimagine the presentation of the spring conference. The digital venue and interactive platform allows for increased participation on a global scale because of the elimination of travel expenses from the plan. Networking and file sharing are able to occur naturally and easily using integrated online text and video chat features.
Additionally, the online platform makes it simple to access all digital content to catch up on anything attendees may have missed at a time when it is more convenient. Networking and e-booth displays present attendees with the potential to make connections with a future business mentor, investor or a prospective employee to help build their companies.
And at the heart of it all is the class schedule with insights from thought leaders on the direction of fintech solutions and emerging fintech trends. Presentations will explore topics that address the latest innovations, emerging industry regulation and the impact of government activity on financial technology markets.
For more information, visit the conference’s web portal at https://fintechandfunding.com.
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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MazumaGo raises seed capital and is listed as “Emerging Rocket”
MazumaGo | Miri Radar | Apr 1, 2021
Fintech start-up MazumaGo kicked off 2021 by closing its seed funding round. The Victoria-based company raised over $800,000 led by Angel Investment Fund eFund. The round also included notable investments from Mother Trucker Capital (Hyperwallet) and Ryan Holmes from Hootsuite.
“We initially invested last year and closely worked with the MazumaGo team over the past 12 months and equally important: became active users of the payment platform which really solved a lot of our problems raising capital and distributing gains quickly and efficiently” - Pieter Dorsman, CFO & Director eFund
See: Fintech Fridays EP46: Making Business Borderless: International Payments and Partnerships
MazumaGo disrupts the Canadian B2B payments sector by giving businesses a simple and secure solution to process payments online without transfer limits. These funds will be used to invest in marketing and sales campaigns and hire additional business development and software staff.
“Over the past year, we added some critical features and improvements to our software that allow us to scale customer acquisition in 2021. This investment helps us drive growth while keeping up a steady level of software development.” - Matthew Smith, Co-Founder & CEO
Emerging Rockets: Companies poised for growth
What’s more, MazumaGo was just named an “Emerging Rocket” on the Ready to Rocket list by Rocket Builders. Ready to Rocket is a unique business recognition list that profiles technology companies with the greatest potential for revenue growth. Each year, based on analysis of trends that will drive growth in the information technology sector, Rocket Builders identifies the top private companies that are best positioned to capitalize on the trends for growth.
The Canadian B2B payments opportunity
MazumaGo is solving a huge pain point for Canadian businesses which are still reliant on manual processes and paper cheques to process high-value payments. While consumers have consistently adopted digital payment methods like Interac eTransfer over the past decade, the business environment is lagging behind drastically.
See: Digital Payments in America – Scaling the Peak
Indeed, paper cheques remain still the most commonly used payment method for commercial transactions. Transaction limits and percentage charges are barriers of current digital alternatives that hold back businesses from moving away from the cheques.
“Cheque volumes and values continued to decline, while average value of cheques increased; (...) the average value of a corporate cheque increased by about five per cent. Cheques remain an important payment option for large value corporate payments.” - Payments Canada, 2020
Bringing business payments into the 21st century
Smith and Co-Founder Nick Addison (CTO) solved this problem by building a payment processing software that enables businesses to send and receive no-limit payments for a flat fee. With MazumaGo, they combined the simplicity of an eTransfer with the robustness and security of the banking system.
The company launched in September 2019 under the brand DivDot and rebranded in November 2020 as MazumaGo. Following the tagline, “Make business payments move,”—the company’s vision is to eliminate any reasons why businesses would want to use cheques and to build a simple, secure network for businesses to exchange funds.
Continue to the full article --> 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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Fed Chair Jerome Powell has outdated views on Bitcoin: cryptocurrencies are not just a substitute for gold
Kitco | Christina of CoinPayments | Mar 26, 2021
Federal Reserve Chair Jerome Powell is making waves in the cryptocurrency market after he threw some shade at bitcoin and other digital currencies, calling them simply speculative assets.
"Crypto assets are highly volatile and therefore not useful as a store of value. It is a speculative asset that is essentially a substitute for gold rather than for the dollar," Powell said on Monday in a panel discussion organized by the Bank for International Settlements (BIS).
Bitcoin and other cryptocurrencies can be volatile, but that is just a simple argument used to dismiss them. Unfortunately, Powell's opinions are incredibly outdated views of the cryptocurrency space.
Data compiled by CoinPayments, the world's largest crypto payment processor, shows that a growing tidal wave of merchants and consumers are embracing digital currencies as a form of payment, as an investment, and as a means of exchange. From the first quarter of 2019 to the fourth quarter of 2020, the North American cryptocurrency market saw a 300% increase in transactions as more businesses and merchants embraced digital currencies.
See: Global cryptocurrency spending grows 300% in two years
The reality is that current government and central bank policies have created a need for new currencies that protect people's wealth and preserve their purchasing power.
Central banks worldwide have embarked on ultra-loose monetary policies that aren't expected to end anytime soon. The reality is that we have no idea how these policies are going to impact the global economy. Still, many experts see the only outcome from all this money printing -- and added debt -- is inflation.
It's not just consumers that are embracing digital currencies as a new global currency. Last month, Tesla shocked the financial world after it announced that it was investing in bitcoin and accepting bitcoin as payment for its vehicles. The company said that it is looking at alternative assets as a hedge against growing currency risks in the marketplace.
"We transact business globally in multiple currencies and have foreign currency risks related to our revenue, costs of revenue, operating expenses and localized subsidiary debt denominated in currencies other than the U.S. dollar," the company said in its filing. "If we do not have fully offsetting revenues in these currencies and if the value of the U.S. dollar depreciates significantly against these currencies, our costs as measured in U.S. dollars as a percent of our revenues will correspondingly increase and our margins will suffer."
If companies are worried about a potentially weaker U.S. dollar, then the threat is genuine. With some companies sitting on trillions of dollars, it is not surprising they are going to start diversifying into cryptocurrencies. Unfortunately, the Federal Reserve will be left trying to catch up to the rest of the market.
See: Has COVID-19 made cryptocurrency more attractive for digital payment and investment?
It is challenging to dispute Tesla's outlook on the U.S. dollar. In the last 12 months the value of the U.S dollar against a basket of global currencies has lost 8%. During the same time bitcoin, the leading cryptocurrency, has rallied more than 800%
Continue to the full article --> 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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