Binance CEO Changpeng “CZ” Zhao sounded the alarm on a massive data leak of one billion Chinese residents that went up for sale on the dark web.
Karsten Wenzlaff, Advisor
August 26th, 2025
Karsten Wenzlaff is a Crowdfunding and Fintech Expert from Germany. He is Secretary-General of Digit[...]
Category Archives: Personal Finance
Having a Financial Plan Is More Important Than You Think – Here’s Why
Jul 18, 2022
Most people know they should have a financial plan, but very few actually take the time to create one. There are many reasons why having a financial plan is more important than you may think, and in this post, we will explore some of them. We will also provide tips on how to create a financial plan that works for you.
Tracking Progress
One of the most important reasons to have a financial plan is so you can track your progress. When you have a plan, you can see where you are now and where you want to be in the future. This information can help motivate you to stay on track or make changes if needed. Without a plan, it can be difficult to know if you are making any progress at all towards your goals. So, you can consult with the Prio Wealth financial management providers to see what your financial plan should include and how it is helpful. Another reason to have an effective financial plan is so you can prepare for unexpected events. Unexpected events such as job loss, illness, or natural disasters can wreak havoc on your finances if you are not prepared.
Budgeting
A financial plan can also help you stay on budget. When you have a budget, you know how much money you have to work with each month and can make sure your spending stays within that amount. This can help prevent you from overspending and going into debt. It can also help you save money each month so you have more to put towards your long-term goals. Creating a financial plan is not as difficult as it may seem, and the benefits are well worth the effort. If you need help getting started, there are many resources available online or through your local library.
Planning For Growth
Another reason to have a financial plan is so you can plan for growth. If you want to retire early, buy a new home, or start a business, you need to have a plan in place to make it happen. A financial plan can help you set realistic goals and figure out how much money you will need to save each month to reach them. It can also help you create a budget that allows for some extra savings each month. For example, if you plan to retire in 10 years, you will need to save more each month than if you plan to retire in 20 years.
Risk Assessment
A financial plan can also help you assess and manage risk. When you know what your goals are, you can make informed decisions about how to invest your money. For example, if you are close to retirement, you may want to invest more conservatively to protect your nest egg. On the other hand, if you have a long time horizon, you may be able to afford more risk. Either way, a financial plan can help you make the best choices for your unique situation. For instance, professionals will be able to tell you what risks are associated with different investments and how to minimize them.
Cost Reduction
Another benefit of having a financial plan is that it can help you reduce your costs. When you know what your goals are, you can make choices about where to live, what type of car to buy, and how to invest your money. For example, if you want to retire early, you may want to purchase a home that has a lower mortgage payment. Or, if you want to start a business, you may want to invest in stocks instead of bonds. Either way, a financial plan can help you save money on the things that are important to you.
Time Management
A financial plan can also help you manage your time. When you know what your goals are, you can prioritize your time and efforts accordingly.
See: How to get into angel investing with ‘no’ money
For example, if you want to retire in 10 years, you may want to focus on saving money and investing for retirement. Or, if you want to start a business, you may want to focus on building your business and generating income. Either way, a financial plan can help you make the most of your time so you can achieve your goals.
Image source: Unsplash
There are many reasons why having a financial plan is important, and this is just a brief overview. If you don't have a financial plan, now is the time to create one. No matter what your goals are, having a financial plan is the best way to make them happen. If you are not sure where to start, there are many resources available online or through your local library. You can also consult with a financial advisor to get personalized advice.
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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Manage Your Way Through The Labyrinth Of Cryptocurrencies By Following These 6 Tips
Jul 15, 2022
Image source: Unsplash
Cryptocurrencies have been gaining popularity over the past few years, with more and more people investing in them. However, with the increasing popularity of cryptocurrencies comes an increase in complexity. With so many different types of cryptocurrencies out there, it can be challenging to track them all and make sure you make the best investment choices. It's essential to do your research and understand the different types of cryptocurrencies before investing. Here are six tips to help you navigate the labyrinth of cryptocurrencies.
Do Your Research
First and foremost, you need to do your research. There are over 1,500 different cryptocurrencies out there, and more are added daily. Each one has its purpose and function. So, you must understand what each coin is trying to achieve before investing in it. The best way to research a currency is to look at its project website, read its white paper, and check its social media channels. This will give you a good understanding of the currency and whether its team has a good chance of achieving its goals. Research is crucial in the cryptocurrency world, as there is a lot of hype and FOMO (fear of missing out) driving the prices of coins up and down.
Diversify Your Crypto Portfolio
To paraphrase, don't put all your eggs in one basket. When it comes to cryptocurrency investing, this adage rings especially true. By diversifying your portfolio, you spread out your risk and increase the chances that you'll find a winner. You can do this by investing in different types of cryptocurrency and other cryptocurrency exchanges. Diversifying your cryptocurrency funds allows you to weather the storm when the market takes a downturn and positions you to take advantage of market upturns. It's an intelligent way to manage your risk and increase your chances of success. Though, of course, it's not a guarantee. However, if you're only investing a small amount of money, you may not be able to diversify as much as you'd like.
Join A Community
When you're first starting investing in cryptocurrencies, it's a good idea to join a community of like-minded investors. This will allow you to get advice and insights from people with more experience than you. There are many online communities that you can join, such as Bitcoin Talk and Reddit. It's also a good idea to attend meetups in your area to meet other investors in person. This can be a great way to network and make friends in the industry.
Automate Purchases
Use a dollar-cost averaging strategy whereby you automate your cryptocurrency purchases to buy small amounts regularly rather than trying to time the market. This technique eliminates the emotions from your investment decisions and allows you to take advantage of price dips to build up your position over time. It also ensures you don’t miss out on good opportunities because you were waiting for the perfect entry point. Many exchanges offer this service, so it’s worth investigating if the one you’re using does too. It’s important to remember that you’re buying a currency, not stock or security, so your investment isn’t influenced by the same factors.
Image source: Unsplash
Use Trading Bots
Trading bots are computer programs that can place trades on your behalf. They come in handy when you cannot trade manually or want to take a more hands-off approach to cryptocurrency trading. It’s important to note that not all trading bots are created equal. Some are more sophisticated than others and can be expensive. Do your research before investing in a trading bot. You need to give them your trading strategy when you use trading bots. The bot will then execute the trades on your behalf. This can help you to take a more passive approach to business.
Find The Right Crypto Platform For You
When it comes to cryptocurrencies, there are a variety of different platforms that cater to different needs. Some platforms are better for buying and selling, while others are better for trading or investing interest. Finding the right platform for your needs is essential to getting the most out of your investment. It is also important to remember that not all platforms are created equal, and some come with more significant risks than others. Many platforms also offer different features, so it is worth researching to find the one that best suits your needs. You can also use online resources, such as reviews and forums, to understand better which platforms are the most popular and reliable.
See: Gun-shy advisors struggle to provide clients with crypto guidance
In conclusion, we have covered some essential tips to help you navigate the labyrinth of cryptocurrencies. Although the landscape is constantly changing, these tips should help you make informed decisions and avoid common pitfalls. As always, do your research and don't invest more than you can afford to lose.
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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Some New Banking Rules Implemented to Protect Consumers in Canada
CTV News | Pat Foran | Jul 7, 2022
New rules came into effect late last month to create stronger consumer protections when it comes to Canada’s banking system, but some advocates said the new regulations don't go far enough.
- "These rule changes are baby steps to improving things a little bit," said Duff Conacher, with Democracy Watch, a corporate responsibility advocacy group.
- The rule changes have been 10 years in the making and even though the federal government adopted legislation to modernize the new rules in 2018, they only took affect three and a half years later on June 30, 2022.
- There are more than 60 changes to Canada’s Bank Act, which includes things like shorter wait times for resolving complaints, electronic alerts warning of low bank balances and limits in place as to how much you’re responsible for if your credit card is lost or stolen.
See: Open Banking is Coming to Canada…Are you Ready for Change?
Example rule changes
- Some of the new changes to help benefit Canada’s 30 million banking customers include a bank must deal with customer complaints within 56 days instead of 90 days.
- Banks must limit liability on lost or stolen credit cards to $50 and warn customers if they go into overdraft or over their credit limit, which could incur them added fees.
- After complaints that banks were pitching expensive and unneeded products to their clients, they can now only sell products and services that are appropriate for their customers needs.
"Reports by whistle blowers revealed that banks were upselling, essentially selling consumers things they didn't need in order to make more money and that is going to be prohibited," said Conacher.
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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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Preparing For a Mortgage? These Tips Will Help You Get the Right Deal
Jul 7, 2022
Image source: Pexels
When it comes to taking out a mortgage, preparation is key. By taking the time to understand the process and get your finances in order, you can ensure that you get the best possible deal on your mortgage. It's also important to shop around and compare rates from different lenders before making a decision. Here are some tips to help you prepare for a mortgage.
1. Get your finances in order
Before you even start looking for a mortgage, it's important to get your finances in order. This means getting a clear picture of your income, debts, and expenses. You'll need to provide this information to any potential lenders, so it's important to have it all organized in advance. By having everything in order before mortgage lending you'll make the process much easier on yourself. Additionally, it's always a good idea to check your credit report in advance so you're aware of any potential red flags that could make securing a loan more difficult. If you find any inaccuracies in your report, be sure to dispute them with the credit bureau.
2. Shop around for rates
Don't just go with the first mortgage rate you're offered. Instead, take the time to shop around and compare rates from different lenders. This way, you can be sure you're getting the best possible deal on your loan. Keep in mind that interest rates can change frequently, so it's important to keep track of the market and lock in a rate when it's favorable. Additionally, don't be afraid to negotiate with lenders on rates and fees. It's always worth asking if there's room for improvement. This is especially true if you have good credit.
3. Know what you can afford
When considering a mortgage, it's important to know how much you can realistically afford to borrow. This includes not only the monthly payments but also any additional costs such as property taxes and insurance. It's also a good idea to have some padding in your budget in case of unexpected expenses or changes in income. By being realistic about what you can afford, you can avoid getting in over your head financially. Additionally, it's important to remember that your mortgage payment should be no more than 28% of your gross monthly income. It's also a good idea to have a down payment saved up of at least 20% of the total cost of the home.
4. Consider a shorter loan term
If you're looking to save money on your mortgage, one option is to consider a shorter loan term. While this will mean higher monthly payments, you'll pay less in interest over the life of the loan. Additionally, a shorter loan term can help you build equity in your home more quickly. If you're considering a shorter loan term, be sure to calculate the monthly payments carefully to ensure that you can still afford them. This is especially important if your income is variable or if you're likely to have financial changes in the near future.
5. Don't forget about closing costs
When taking out a mortgage, it's important to factor in closing costs. These are fees charged by the lender at the close of the loan and can add up to several thousand dollars. Be sure to ask potential lenders about closing costs so that you can budget for them in advance. Additionally, some lenders may be willing to cover or reduce certain closing costs if you're a good customer. It's always worth asking. This is just one more way to save money on your mortgage.
See: The Growing Relevance Of Bitcoin In Real Estate
6. Get pre-approved
If you're serious about buying a home, it's a good idea to get pre-approved for a mortgage. This means that a lender has looked at your financial information and decided how much they're willing to lend you. Getting pre-approved can give you an edge when negotiating with sellers as it shows that you're a serious buyer. Additionally, it can help you avoid getting into a bidding war for a home you can't afford. To get pre-approved, be sure to provide potential lenders with accurate information about your income, debts, and assets.
Image source: Unsplash
By following these tips, you can be sure you're getting the best possible deal on your mortgage. Additionally, it's important to remember that the process can take some time, so be patient and don't be afraid to shop around. With a little preparation, you can be sure to find the loan that's right for you. This is important information to know if you're thinking about buying a home in the near 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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Binance CEO Raises Red Flag on Massive Chinese Data Leak
BeINCrypto | David Thomas and Kyle Baird | Jul 4, 2022
Binance CEO Changpeng “CZ” Zhao sounded the alarm on a massive data leak of one billion Chinese residents that went up for sale on the dark web.
- Twenty-three terabytes of data containing names, addresses, birthplaces, national IDs, phone numbers, and criminal case information was reportedly stolen from a police station database in Shanghai, China. The hacker offered the information on a dark web forum for ten bitcoins.
- CZ took to Twitter on July 3 to announce that Binance threat intelligence had discovered resident records for sale on the dark web, without mentioning the country. He attributed the data breach to a bug in a government agency’s software using an “Elasticsearch” algorithm. CZ explained that the compromised data had implications for Binance users since the data in question could be used to take over accounts. CZ added that Binance uses internal and outsourced threat detection.
- Elasticsearch is used to quickly search through massive data sets and return answers in milliseconds (and could include corporate or government entity, data from social media posts to emails to company spreadsheets).
- While this makes for easy access to a wealth of enterprise information, it becomes equally a tantalizing prospect for cyber bandits.
See:
Leaky Forms: Thousands of Popular Websites See What You Type—Before You Hit Submit
Crypto.com $34 million stolen in user account hack | Data Breach Lessons
Cybersecurity experts concerned with the size and sensitivity of data
- News of the hack sent jitters throughout the Chinese security industry, triggering speculation on how it could have happened. Shanghai police have not made public any official statement.
- Cybersecurity professionals that have weighed in are concerned due to the hack’s size and the sensitivity of the exposed information, including criminal activity details.
- According to the Wall Street Journal, some reporters downloaded the list and called phone numbers to check the validity of the information. Five parties verified criminal information only the police could access, while four confirmed their identity before hanging up.
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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Everything You Need To Know About Debt Consolidation and How It Works
Jul 4, 2022
Image: Pixabay
Debt consolidation is the process of combining all your debts into a single, more manageable loan. It can be an effective way to get out of debt and regain control of your finances. But it's important to understand how it works and what to watch out for before you consolidate. This article will give you everything you need to know about debt consolidation so you can make an informed decision.
1) What is debt consolidation?
Debt consolidation is the process of taking out a new loan to pay off multiple debts. This can be an effective way to get out of debt because it simplifies your finances by consolidating all your payments into one. It can also help you save money on interest because the new loan will likely have a lower interest rate than your individual debts. When planning to consolidate your debt, first look at your overall financial picture to see if it's the right move for you. Then, compare offers from multiple lenders to find the best terms.
For example, let's say you have $5,000 in credit card debt with an interest rate of 20%. You also have a $10,000 personal loan with an interest rate of 10%. If you consolidate these debts into a single loan with an interest rate of 15%, you would save $500 in interest every year.
2) How does debt consolidation work?
There are two main ways to consolidate your debt: with a personal loan or a balance transfer credit card.
Personal loans are best for consolidating multiple debts with different interest rates. You can get a fixed interest rate and repayment term, which makes it easier to budget for your payments. But keep in mind that you'll need to qualify for a loan based on your credit score and income.
Balance transfer credit cards are best for consolidating debt onto one card with a 0% intro APR period. This can help you save on interest and pay off your debt faster. But keep in mind that balance transfer fees will apply, and you'll need to have good credit to qualify.
3) What are the benefits of debt consolidation?
There are several benefits of consolidating your debt, including simplifying your finances, saving on interest, and improving your credit score.
Simplifying your finances: When you consolidate your debt, you'll have one monthly payment to make instead of multiple payments. This can make budgeting for your debt repayment easier and help you stay on track.
Saving on interest: Consolidating your debt onto a single loan with a lower interest rate can help you save money on interest. This can free up money in your budget to pay off your debt faster.
Improving your credit score: consolidating your debt can also help improve your credit score by reducing your credit utilization ratio. This is the amount of debt you have relative to your credit limit. A lower credit utilization ratio can help improve your credit score.
4) What are the risks of debt consolidation?
There are a few risks to be aware of when consolidating your debt, including taking on a longer repayment term and losing certain benefits.
Taking on a longer repayment term: When you consolidate your debt, you may be able to get a lower monthly payment by extending your repayment term. But this means you'll pay more in interest over the life of the loan.
Fintech Fridays EP45: Mission-driven and Consumer-centric Financial Services
Losing certain benefits: If you consolidate your debt with a personal loan, you may lose certain benefits, like the ability to negotiate a lower interest rate or monthly payment.
5) Things to keep in mind when consolidating your debt
There are a few things to keep in mind when consolidating your debt, including your overall financial picture, the type of consolidation you choose, and the terms of your new loan.
The terms of your new loan: When consolidating your debt, pay attention to the terms of your new loan, including the interest rate, repayment term, and fees. Compare these terms to your current debts to make sure you're getting a good deal.
Image: Pixabay
Consolidating your debt can be a great way to simplify your finances, save money on interest, and improve your credit score. But before you consolidate, make sure you compare offers from multiple lenders to find the best terms. Be aware of the risks involved in consolidating your debt, including extending your repayment term and losing certain benefits. And finally, make sure you understand the terms of your new loan before you consolidate. Keep In mind that consolidation is just one tool to help you get out of debt.
The National Crowdfunding & Fintech Association (NCFA Canada) is a financial innovation ecosystem that provides education, market intelligence, industry stewardship, networking and funding opportunities and services to thousands of community members and works closely with industry, government, partners and affiliates to create a vibrant and innovative fintech and funding industry in Canada. Decentralized and distributed, NCFA is engaged with global stakeholders and helps incubate projects and investment in fintech, alternative finance, crowdfunding, peer-to-peer finance, payments, digital assets and tokens, 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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What’s a Consumer Proposal and How Does It Work? Here’s the Answer
Jul 3, 2022
Image: Pixabay
If you're struggling with debt, you may be considering a consumer proposal. What is a consumer proposal? How does it work? In this article, you will get the answer to all of your questions about consumer proposals and help you decide if this is the right solution for you!
What Is A Consumer Proposal?
This process is an alternative to bankruptcy and is available to individuals, couples, and businesses who owe $250,000 or less. If you were ever asking yourself what are the benefits of a consumer proposal, there are tons! First off, these proposals stop interest from accruing on your debt, as well as freezing collection action against you.
This means that you no longer have to deal with those pesky phone calls and letters from creditors! consumer proposals also give you the opportunity to repay your debts over a period of time (usually five years or less).
How Does A Consumer Proposal Work?
There are certain processes and stages that are followed in order for a consumer proposal to be accepted. First, an individual must consult with a Licensed Insolvency Trustee (LIT). The LIT will review the person's financial situation and provide them with information on all of their options, including the consumer proposal.
If the individual decides that a consumer proposal is the best option for them, the LIT will help them to prepare all of the necessary paperwork. Once the paperwork is complete, it will be submitted to the creditors.
The creditors will then have 45 days to review the proposal and decide whether or not to accept it. If the majority of creditors agree to the terms of the proposal, it will be accepted and binding on all of the creditors.
Below are the stages of a consumer proposal.
Assessment
First off, it's important to know that not everyone is eligible for a consumer proposal. To find out if you qualify, you'll need to speak with a Licensed Insolvency Trustee (LIT). They will assess your current financial situation and advise you on whether or not a consumer proposal is the right solution for you.
If you decide to move forward with a consumer proposal, the next step is to develop your proposal. This will involve working with your LIT to come up with an offer that you can afford to repay, and that your creditors will accept. Once your proposal is complete, it will be presented to your creditors for approval.
Payment Plan
There are different payment plans that can be chosen for consumer proposals. These are the following:
- A lump-sum payment
- Payment over time
- Payment based on your income
- A combination of these payment options
The payment plan will be based on your ability to pay and the creditors will vote on the proposal. If the creditors agree to the payment plan, then you will make payments to the trustee who will distribute the funds to the creditors. If you are unable to make a payment, the consumer proposal will be annulled and you will have to file for bankruptcy.
Filing And Voting
This stage marks the official beginning of your consumer proposal. You, or your authorized representative, will file the necessary paperwork with the office of the Superintendent of Bankruptcy. This filing starts the 45-day period during which your creditors can vote on your proposal.
See: Will Top of Digital Wallets Threaten Traditional Credit Card Markets?
You must also provide proof that you’ve completed mandatory counseling sessions before filing a consumer proposal. A notice will be sent to all of your creditors informing them of the filing, and they’ll have 45 days to vote on it.
In order for your proposal to be accepted, at least 50% of the dollar value of your unsecured creditors must accept it. If more than 50% of your creditors don’t accept it, then you may want to consider filing for bankruptcy instead.
Making The Payments
Now it's time to finally make the payments on your consumer proposal. You'll work with your trustee to set up a budget and payment plan that's affordable for you, and then make those payments on time and in full. Depending on your situation, you may be making these payments for up to 60 months.
Credit Repair
Once all is done and you have made your last payment, credit repair can begin. This is the stage where you start to rebuild your credit score and improve your creditworthiness.
Fixing your credit score can be a long and difficult process, but it is important to do if you want to improve your financial standing. There are a few things you can do to help improve your credit score, including paying all of your bills on time, maintaining a good credit history as well as using credit responsibly.
Image: Pixabay
Consumer proposals protect you from bankruptcy and losing your assets. It has a certain process which consists of filing it and then comes the assessment of your bills after which you need to figure out a payment plan. Then comes the official start by filing the proposal and having creditors vote on it. Once it's accepted, you need to make the payments after which it's time to repair your credit!
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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