Overview
Financial infrastructure startup 
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
How to Store Bitcoins
Guest Post | June 6, 2022
While you can set aside fiat like your AUD in the bank, Bitcoin works unexpectedly. To store BTC, you want a Bitcoin wallet. A Bitcoin wallet could be an application or program that helps store your keys and gives you simple admittance to your Bitcoin.
The secret key includes alphanumeric characters used to get to the Bitcoin wallet. It might be ideal on the off chance that you had a private and public key to get your wallet for security purposes. Conversely, the public key is like a record name to distinguish a particular client account.
Even though there are different kinds of wallets, picking a specific bitcoin wallet will rely upon your comfort, level of information, and security needs.
What are the Types of Bitcoin Wallets?
Hot Wallets
Hot wallets are online wallets that can assist you with putting away your bitcoin. They are open on cell phones, desktop software, or the web and are frequently accessible. You have unlimited authority since you have the secret keys.
MetaMask, Coinbase Wallet, and Edge Wallet are famous hot wallets and can help you store your Bitcoin. Notwithstanding, hot wallets work using the internet, presenting them to online robbery. It is prudent to keep just a modest quantity of BTC in your hot wallet to bring down the gamble of losing everything. It is also easier to convert your BTC to AUD from a hot wallet.
Exchange/Trade Wallets
An Exchange permits the trading of bitcoins and other digital forms of money. Coinbase, Binance, and other cryptocurrency exchanges give you a trading wallet when you open a record with them.
In contrast with hot wallets, you don't have full access because the cryptocurrency exchange keeps the secret key restricted from you. But they grant you permission to buy, sell and store your BTC. You can trade your BTC for AUD or any fiat and buy BTC with your AUD to fund your trade wallet. Once your account with the exchanges is closed or banned, you lose your trade wallet.
Cold Wallets
Ledger and Safepal are standard cold wallets, also called hardware wallets. They are little gadgets like USB drives or smart cards, and they work disconnected from the web except you want to transfer your bitcoin. Cold wallets are the most secure type since they are not associated with the web and have a small gamble of getting compromised.
While keeping a lot of BTC, utilizing cold wallets is ideal. They come with a product application or software to review portfolios. The only risk is when you want to withdraw your BTC to AUD or another fiat, you have to connect to the web for the transaction to go through. The secret keys are far from the web, making it impossible for programmers to track them.
Paper Wallet
A paper wallet works by storing bitcoin on paper. It is one of the least expensive and most secure approaches to storing enormous amounts of bitcoin. They are probably the earliest approach to storing BTC.
To make one, you want to utilize a paper wallet generator to create a QR code that fills in the location of your bitcoins.
Even though paper wallets are protected, you should keep the paper in a protected spot and store it well. Additionally, ensure that you are cut off from the web while creating the code.
Utilizing a paper wallet is very specialized, so ensure you comprehend it entirely to try not to lose your bitcoins.
What is a Recovery Phrase?
See: Warren Buffett invests $1 billion in a crypto-friendly bank – maybe not ‘rat poison’ after all?
Security Tips for Storing Bitcoins
Numerous wallets are helpless to burglary and misfortune. It is indispensable to go to prudent lengths to store your BTC while utilizing them. Some supportive security signals are:
- Try not to save your secret key on the web.
- Cancel all history on the web while producing the QR code for your paper wallet.
- Just save a minute amount of bitcoins in a hot wallet, and store more critical measures of bitcoin in a cold wallet.
- Keep cold wallet gadgets and paper wallets in secure spots, similar to safes.
- Consistently update your wallet's product application to decrease the gamble of hacking.
- Back up your cold wallet information records and utilize an intense secret key for your reinforcement.
- Before utilizing it, guarantee that you have adequate information about a specific wallet type and
Conclusion
To store bitcoin securely, you need to consider the ideal decision. You have taken in the qualities and shortcomings of these wallets. One must figure out which bitcoin wallet suits their needs.
The National Crowdfunding & Fintech Association (NCFA Canada) is a financial innovation ecosystem that provides education, market intelligence, industry stewardship, networking and funding opportunities and services to thousands of community members and works closely with industry, government, partners and affiliates to create a vibrant and innovative fintech and funding industry in Canada. Decentralized and distributed, NCFA is engaged with global stakeholders and helps incubate projects and investment in fintech, alternative finance, crowdfunding, peer-to-peer finance, payments, digital assets and tokens, blockchain, cryptocurrency, regtech, and insurtech sectors. Join Canada's Fintech & Funding Community today FREE! Or become a contributing member and get perks. For more information, please visit: www.ncfacanada.org
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How to Get a Loan for College with Help From A Parent
Guest Post | May 31, 2022
So you have your acceptance letter and are pouring over the class directory looking at the different things you can learn and need to learn for that diploma. You can picture your dorm room and roommate, even some of the fights you’ll likely have. Even the lunches in the cafeteria are vivid in your mind.
The one thing that is a little hazy is how you plan on paying for all of it. With so many types of options, scholarships, and grants, how are you supposed to navigate it all? If you’re American, your top choice is loans. For those of us whose parents make too much money to qualify for federal student loans (information available at this link) and scholarships, but not enough to pay for college flat out, there are a few options that are still available with the help of your parents.
What is a Parent College Loan?
Quite simply, a parent college loan is a loan that parents can take out for their child or children that will help pay for college. The amount can vary from lender to lender, and some may be enough to cover the entirety of your college expenses. The biggest difference between a parent college loan and a loan co-signed by your parents is your parents are entirely responsible for paying back the loan as their name is on the paperwork.
This means that should you fail out, drop out, or discontinue school for any reason, your parents will be responsible for paying back the loan. The conclusion I am sure they’re hoping for is paying back the loan of their college graduate or, more hopefully, their college graduate can help them pay it back when they find a job in their chosen field.
The Search Before the Loans
Firstly, you should look into the various scholarships your school, county, and state offer students in your area. If you think it may be too late to get scholarships, you might be surprised to find a few here or there that have had few or no one applied for. With scholarships dwindling, another possibility is granted through the government or your college directly. NerdWallet makes a good point when they put private loans as their last idea to pay for college (https://www.nerdwallet.com/article/loans/student-loans/how-to-pay-for-college). Before taking out loans with crazy interest rates, found out about the student work program at your school. Some schools will pay a student throughout the semester for putting in a few hours at their library, cafeteria, or working as an aid in one of the offices on campus.
Once you have gone through all other possibilities, then search for loans you or your parents can take out. While it may seem like a daunting task, paying for college is possible, and if you want to continue your education after high school, a necessity.
A Further Look Into Loans
Now that you have made sure to exhaust all resources in the search of how to pay for college, let us talk specifically about Parent Plus Loans versus private loans. Both loans are credited to pay for the cost of education and any additional expenses the student accrues while they are in college for the semester. The one downside to loans is you may have to continue to borrow money if you are unable to stretch your savings or the loan into further semesters.
Parent Plus Loans are loans granted to the parent of the student seeking to further their education. Your parents will be the primary borrower and will put down their information rather than yours, though it will still require your FAFSA information. If you already sought government grants, you should already have the FAFSA filled out. With that information, your parents can fill out the forms online via the Federal Student Aid website.
Private college parent loans are through private lenders, including banks. These institutions should be looked into thoroughly before your parents or any lender borrows money from them. There are many websites available to compare interest rates and payment options of various lenders and finding the best loan that will be easy to pay off is key to being able to pay off the loan quickly. While the Parent Plus Loan through the government is simpler to find, you may be able to find cheaper interest rates with a company that will still defer payment until your time in college has ended.
Final Thoughts
Going to college is an adventure. It can be the best years of your life and help guide you to the career you could spend the rest of your life in. This is a stepping stone in the direction of a bright future. Once you have figured out how to pay for college, soon enough you will be picking your classes, figuring out what major will help you live your best life, and picking bedding for your dorm.
Now you can feel more prepared to discuss payment options with your parents should this be the step to take. You have information on how to find out more and learn about different options available to you. Remember, loans may be daunting, but you will usually only have to worry about them after you are graduated and in a good-paying job. Congratulations and we hope you put your best foot forward into your future.
The National Crowdfunding & Fintech Association (NCFA Canada) is a financial innovation ecosystem that provides education, market intelligence, industry stewardship, networking and funding opportunities and services to thousands of community members and works closely with industry, government, partners and affiliates to create a vibrant and innovative fintech and funding industry in Canada. Decentralized and distributed, NCFA is engaged with global stakeholders and helps incubate projects and investment in fintech, alternative finance, crowdfunding, peer-to-peer finance, payments, digital assets and tokens, blockchain, cryptocurrency, regtech, and insurtech sectors. Join Canada's Fintech & Funding Community today FREE! Or become a contributing member and get perks. For more information, please visit: www.ncfacanada.org
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AML laws have failed
Warren Buffett famously said: ‘Only when the tide goes out do you discover who's been swimming naked.’
The withdrawal of nearly all Western support for Russia and Russian money has been one of history’s tide-turning moments, and among those found to be swimming naked have been solicitors. We have been hammered for our servicing of oligarchs whose money was obtained by theft, violence, corruption and other crimes. It is not good enough for us to say that others were at it, too – and that our very own government was knee-deep in the mire. We are solicitors with important values, and should examine ourselves closely in the aftermath.
Having said that, which I believe needs to be said before I turn to others who bear responsibility, I consider that many governments, and intergovernmental organisations like the Organisation for Economic Development and Cooperation (OECD), need to consider their own failings, too.
See: Opinion: Rising cost of compliance may lead to consolidation
I want to focus here on the elaborate structure which they foisted on us to stop the servicing of corrupt money – the anti-money laundering laws proliferating around the world. These have failed, too. It is not an exaggeration to say that those laws lie in ruins, having failed to stop the penetration of Western economies by corrupt Russian money.
Yet there seems no recognition that the AML regime is fatally flawed. As with all mistakes, its supporters believe that it was just not applied strictly enough, and needs to be reinforced.
To understand the depth of wrongness of the current AML concept, one need only read Catherine Belton’s book, ‘Putin’s People’, which was published in 2020. This documents in some detail the various criminal dealings which led to the rise of the Russian billionaires whose money flooded the West. She conducted dozens of interviews over many years. Even so, there are large gaps because so much took place behind an impenetrable veil of secrecy, and through multiple layers of shell companies in tax havens which lack transparency.
Yet the OECD, the EU, the UK government and others behind the construction of the AML laws expect every solicitor to conduct his or her own investigation as part of customer due diligence and ‘know-your-client’. The investigation is thus privatised and fragmented, having to be done over and over again by each solicitor or law firm as it is consulted.
See: Snapshot: the regulatory framework for financial services compliance in Canada
Yet the depth of knowledge required – of Russian politics, of the Russian language, of the many varied players, of the multiplying companies and fronts and transactions, of Russian laws, and of historical events – is beyond the resources of a law firm. It is ridiculous to expect law firms to investigate what takes years, many interviews, and much academic knowledge. It is also a very inefficient way of going about things, because it requires the background to be re-investigated over and over again by separate lawyers and law firms. And we have just seen the results: huge compliance departments failed to stops serious penetration of our economies, with dire results.
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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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How to Refinansiering a Personal Loan?
Guest Post | April 19, 2022
Taking out a loan could be the best way to attend to pressing financial issues. But experts advise that you think about how you intend to pay back a loan before applying for one. You can expect to find lenders who can provide you with financial assistance if you have good credit but surely will face full wrath if you don’t comply with the payment terms. While you surely want to think carefully about putting a personal loan to good use, you also want to map out a strategy that can help you pay back the loan. And in a situation where it seems like you may be unable to complete the payment want to consider refinancing. You will find below all you need to know about refinancing a loan.
What is Loan Refinancing?
This is simply the process of taking out a new loan to pay an old one. And it has proven to be effective in putting to rest the stress that comes with paying back loans. This could help provide you with a good deal that comes with lower repayments and interest rates. When done correctly, this should help make debt repayment more affordable for you. And this is why you want to be critical about choosing the right refinansiering option when looking to pay back a debt.
It does come with advantages such as lower rates and giving you an option to pay back a loan. But you also want to know that there are setbacks that could come up if you are not careful. One big drawback is that it could affect your credit score seeing as you are taking up more debts to pay back an old one. But you could also be at risk of an initial high repayment option while offsetting the previous debt. But in the long run, you do have the comfort of relaxing knowing that you get a better offer that can help you with the loan repayment.
Why Consider Refinancing?
The process of paying out a loan monthly could be a lot to cope with especially if you don’t have a lot coming in at the end of the month. And many people in this situation surely will need a breather that can help them cope with the stress of repayment. This is why most people opt for refinancing. It helps to reduce the amount that you pay out monthly which surely will allow you to take up other projects.
You only want to consider an option that is cheaper and allows you to make repayments in the shortest possible time. You want to be done with it once and for all and relax better. It could be a lot stressful knowing that you have debts to pay at the end of the month, especially if you don’t take home much at the end of the month. This page has tips on how to be debt-free this year.
How to Refinance your Loan?
As soon as you conclude that you will be considering the refinance option, you want to begin by searching for the best loan financiers in the business. And this is where it gets challenging for most people as they aren’t always sure about what to look for when shopping for loans.
Finding a New Personal Loan
The new loan to shop for will have to come with a lower interest rate than the one you already have. You will need to keep in mind the overall cost at the end of the day. So you want to consider the length and if any charges come with early repayment. What you want to look out for is the option that will be cheaper in the long run. But this doesn’t mean that you should jump on any cheap refinance loans you find. You want to do well to know how to identify the best lenders in the business.
You can ask for guidance from a financial adviser who can help you with finding the right option for you. It is also possible to find good comparison sites that regularly update their website with the top-performing loans and help you compare them according to the length of repayment and interest rates. This can help you easily arrive at the best option to go with.
Boost your Credit Score
A higher credit score can open a lot of doors when looking to access loans as this can only help guarantee the lenders that you can payback. And if your credit score is poor may not be able to get loans with good rates as any lender looking to take the risk with you may want to do so at a high rate. There is a lot you can do to improve your credit score and you want to start by getting a credit report to know exactly where you stand. You want to also take steps to reduce your spending and pay off any credit card debt that you may have. It is always best to try and commit to loan repayments as this can help earn you points that can boost your ratings with lenders. This link https://www.investopedia.com/how-to-improve-your-credit-score-4590097 has tips on how to improve your credit score.
Use Eligibility Checkers
You can save yourself the stress of searching for the right refinance option if you use an eligibility checker that makes it easy to find out if you qualify for a type of loan. This will provide you with a long list of available options to choose from and helps you compare using criteria such as interest rates and payment term. This will provide you with an estimate of how much it will cost you without impacting negatively your credit score.
Putting things in Order
You obviously will be shopping for refinancing loans to pay back old ones. And once you do get approval want to get with the existing lenders to conclude about paying out the debt. You should ensure that you close the account with them and put a stop to any future payments. The next thing will be to ensure that you set up payments regularly for the new one and begin repayments.
Final Note
The option of refinancing personal loans could be the right way to pay back a debt and be free from expensive monthly repayments. You want to follow the expert tips suggested above to help you with all you need to complete the process of paying back a loan.
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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Before receiving your salary in crypto you should consider these things
Carbert Waite LLP | Kevin Stenner and Mihai Beschea | Mar 30, 2022
If you have been following the word of sports, you have likely heard of many brand-name athletes taking a portion of their salary in a crypto currency. Another interesting recent example is the major of New York City, Eric Adams, who recently announced he would receive compensation in cryptocurrency. Although this type of compensation agreement is still unique and new in the workplace, it is becoming more mainstream and carries with it several advantages over fiat currency BUT you should consider these things first:
Minimum Wage and Cryptocurrency
First, in Alberta “an employer must pay an employee at a wage rate that is at least the minimum wage established by regulation.”This minimum wage is currently $15 per hour in Alberta. The problem is with the volatility. If the price of the crypto suddenly fell, there is a real risk that this will have caused the employer to have paid the employee less than minimum wage. This would put the employer off-side employment standards legislation and open them up to unnecessary risk.
See: Crypto Payments Report 2022: How digital currencies are revolutionizing commerce, corporates and culture
Crypto Earnings Must Be Paid in Canadian Dollars
Second, employers in Alberta must pay employees in Canadian dollars such as cash, cheque or bill of exchange. Since discretionary bonuses are not wages and so do not have to be paid in Canadian dollars. Accordingly, an employee can be paid a certain amount in Canadian dollars with a discretionary bonus paid in crypto. From an employee perspective, taking a portion of your salary in cryptocurrency, such as a bonus, may be the safest way to transition into this pay scheme.
Crypto Earnings Tax and Deductions
Third, just because an employee is being paid a portion of their compensation in crypto, neither they nor the employer are exempt from paying tax on that amount in Canadian dollars. Employers will still be responsible for all source deductions in Canadian dollars and employees will still be responsible for reporting employment income in Canadian dollars.
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CNBC | Goh Chiew Tong | Apr 11, 2022
Want to be paid in crypto? Here are the rewards — and the risks
There’s no denying that with the Great Resignation, workers are more empowered to seek what they want from their jobs. Other than flexibility and better benefits, a new workplace perk is gaining popularity — the option of being paid in digital currency.
According to a global poll by financial consultancy deVere Group, cryptocurrencies could become more commonplace in salary negotiations with younger workers.
More than a third of millennials (those aged between 26 and 42) and half of Generation Z (25 and below) would be happy to receive half their salary in bitcoin or other forms of cryptocurrencies, revealed the study.
See: Crypto-tax primer in Canada
Another survey, by SoFi at Work and Workplace Intelligence of 800 U.S. employees, showed that 42% of them would like to receive non-fungible tokens as performance rewards.
“Offering to pay your employees with Bitcoin can be a way to attract what we might call ‘future-thinking workers’, especially if you’re in certain industries, like FinTech,” he added.
In addition to the benefit of 'speedy payments' be careful for crypto price volatility (double-edged sword) and heightened cyber-risks.
When it comes to cryptocurrency tax laws, the country you’re working in matters. Some countries are “very lenient” in that regard, said Jarvis. For instance, Portugal is known as a crypto tax haven for its 0% tax on bitcoin. “When you consider how much these assets are increasing over time, they are significant gains to be made if you’re saving on that tax side of the equation,” Jarvis added.
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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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BIS Report: Can CBDCs be designed to help financial inclusion?
BIS | Raphael Auer, Holti Banka, Nana Yaa Boakye-Adjei, Ahmed Faragallah, Jon Frost, Harish Natarajan and Jermy Prenio | Apr 12, 2022
Overview
Central banks are considering how retail central bank digital currencies (CBDCs) may help support financial inclusion. While they are not a magic bullet, central banks see CBDC as a further tool to promote financial inclusion if this goal features prominently in the design from the get-go. In particular, central banks are considering design options around promoting innovation in the two-tiered financial system (eg allowing for novel non-bank payment service providers), offering a robust and low-cost public sector technological basis (with novel interfaces and offline payments), facilitating enrolment and education (via simplified due diligence and electronic know your customer) and fostering interoperability (both domestically and across borders). Together, these features can address a range of existing barriers to financial inclusion.
See: New UK report: Access to financial services: 1 in 7 people are financial excluded
This paper draws on interviews with nine central banks with advanced work on CBDCs and financial inclusion, as well as ongoing research and policy work at the BIS and World Bank. It gives concrete examples from the central banks' work and discusses challenges, risks and regulatory and legal implications. It aims to facilitate peer learning on a key set of issues around CBDCs and financial inclusion policy faced by societies around the world.
Summary
- Central banks are actively considering how retail central bank digital currencies (CBDCs) may fit with policy goals around financial inclusion.
- The interviewed central banks take the view that, while CBDC is not a panacea, it can represent a further tool to promote financial inclusion if designed with this goal.
- Barriers to financial inclusion differ across countries, but there were some common elements that came out in the interviews.
- Some central banks consider CBDCs as key to their mandate as a catalyst for innovation and economic development.
- Several central banks see CBDC more as a potential complement to existing financial inclusion initiatives.
See: BoC and MIT announce joint CBDC collaboration
Major challenges
- Obtaining buy-in from stakeholders and safeguarding data privacy were highlighted as two major challenges.
- BDC issuance may require new laws and regulations to be enacted, or existing laws to be revised.
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Download the 39 page PDF report --> 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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UK Embedded Finance (Fintech Infrastructure) Fidel API Bags $65 million Series B
TechCrunch | Mary Ann Azevedo | Apr 6, 2022
Financial infrastructure startup Fidel API has raised $65 million in a Series B funding round led by Bain Capital Ventures.
The London-based company provides identity, data and payments products that it says gives developers a way to capture consent permissions and “securely” connect payment cards to a service or application.
“With this infrastructure, developers are able to create highly contextualized and event-driven user experiences at the point of purchase,” it claims. Fidel API is industry agnostic, with customers ranging in the “hundreds,” from startups to giants such as Google, Royal Bank of Canada and British Airways. Developers use the company’s tools to power a range of features, including digital receipts, omnichannel attribution, loyalty and rewards, expense management and personal finance management.
See:
Canadien blooming. The fertile “Valley” for finance innovation FLOW: OB, CAN Trends, Beyond OB: BaaS + Embedded Finance, tunl
McKinsey Global Banking: Revenue pools moving to customer-ownership with embedded digital financial services
The raise is another example of how infrastructure companies in the fintech world continue to be resilient despite an apparent slowdown in global funding overall. The ability to empower other companies in the world of financial services is proving to be lucrative as well as attractive to investors. Just last week, Cross River Bank landed a $620 million investment that pushed its valuation to more than $3 billion. In February, blockchain infrastructure startup Alchemy announced that it had closed on a $200 million Series C1 equity round that valued the company at $10.2 billion.
In the case of Fidel API, Subrata says the company has built the infrastructure that can help developers create “programmable money.”
“Our role in the ecosystem is to enable other developers to build what we call programmable experiences on top of existing money flow that can be quite archaic,” Subrata said. “What we have done is build a modern connectivity layer that sits on top of the payment systems on the global net core networks. And then we expose that through a modern API for other developers to innovate on top of.”
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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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