Paul Schulte, Advisor, Banking and Financial Services
August 22nd, 2019
Paul Schulte is the Founder and Managing Editor of Shulte Research based in Singapore. Paul's roles[...]
FaceCoin: Here’s What Facebook Could Build In Blockchain And Cryptocurrency
CB Insights | April 30, 2019
Could blockchain be an answer to scandal-plagued Facebook?
While a “Facecoin” might not lay the company’s many controversies to rest, it could potentially address everything from centralized single sign-on to cheaper payments processing. A variety of different signals point to Facebook getting serious about blockchain and digital currency.
For one, in January 2018, Facebook CEO Mark Zuckerberg mentioned cryptocurrency when disclosing his annual project for 2018:
“There are important counter-trends to [the rise of Big Tech] — like encryption and cryptocurrency… I’m interested to go deeper and study the positive and negative aspects.”
Since then, the company has created a formalized group dedicated to exploring blockchain.
However, using the CB Insights platform, we learned Facebook has been experimenting with digital currency tech for quite some time.
See: Facebook Is Developing a Cryptocurrency for WhatsApp Transfers, Sources Say
From a new org structure to patent trends, we used the CB Insights platform to highlight Facebook’s blockchain ambitions and the possibility of a Facebook cryptocurrency — FaceCoin.
Timeline of major events
- November 2017 — Early publicity about Russian election interference using Facebook
- Jan 2018 — Zuckerberg’s personal goal for “Fixing Facebook” mentions experimenting with cryptocurrency and encryption
- March 2018 — NYT and the Guardian publish coverage on the Cambridge Analytica scandal, working with Christopher Wylie
- May 2018 — Facebook announces its largest reorganization ever, creating the blockchain group run by former Messenger boss (and ex-PayPal president) David Marcus, while also moving Instagram VP of Product Kevin Weil to the project
- June 2018 — Facebook reverses ban on cryptocurrency ads
- August 2018 — David Marcus steps down from the Coinbase board, citing a conflict of interest
- December 2018 — Bloomberg reports that Facebook is developing a stablecoin, or a cryptocurrency pegged to a basket of currencies, for transfers within its WhatsApp service
- March 2019 — Facebook acqui-hires Chainspace, which focused on smart contracts and payments, in its first blockchain acquisition
- April 2019 — Sources say Facebook is meeting with VCs to raise as much as $1B for its cryptocurrency initiative, which could help present the project as more decentralized
See: Eastern Caribbean Central Bank to Issue World’s First Blockchain-Based Digital Currency
What FB could build with blockchain and digital assets
As Facebook looks to redefine itself and expand its offerings, blockchain could be a significant lever to pull. Among many possibilities, tech commentators have theorized Facebook could build:
- Coin incentives for e-commerce
- Micropayments for services and content creators
- Banking apps
- Exchanges (competing with the likes of Coinbase)
- Identity tech
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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Holt Accelerator | Sam El Falah | Feb 27, 2020 The Holt Fintech accelerator is currently taking applications for its 2020 cohort and looking for the best and brightest companies to join. The Holt program is designed for Fintech startups who are pre-Series A (i.e. bootstrapped, pre-seed, seed, bridge) and pride themselves in offering startups as much visibility as possible! How can they help your startup? Capital: We can provide up to $130k in capital and meetings with potential investors Ecosystem: Plug into Holt Financial's digital bank and exchange for new revenue sources Potential Clients: Key people in financial institutions & a network of over 300 Fintech influencers worldwide See: Holt Accelerator Joins NCFA as an Industry Partner Think you are ready to be part of the Holt adventure? Mark your Calendar! The application deadline is May 9th, 2020, 11:59 PM EST. http://bit.ly/35u0jsN For more information visit www.holtaccelerator.ai Social Media Profiles: https://www.linkedin.com/company/holt-accelerator https://www.facebook.com/HoltAccelerator https://twitter.com/HoltAccelerator #Holt2020 #JoinTheFamily #FintechAccelerator 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 ...
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BCSC | Release | Feb 27, 2020 Vancouver – The Canadian Securities Administrators (CSA) is seeking comment on proposed harmonized rules for start-up securities crowdfunding. Proposed National Instrument 45-110 Start-up Crowdfunding Registration and Prospectus Exemptions would replace and enhance the requirements currently in effect in British Columbia, Alberta, Saskatchewan, Manitoba, Québec, New Brunswick and Nova Scotia. Enhancements from the current requirements include: Increasing to $1 million (from $500,000) the maximum total amount that could be raised by a business under the crowdfunding prospectus exemption per year; Increasing to $2,500 (from $1,500) the maximum investment a purchaser can make in an offering, with a higher limit of $5,000 if the purchaser obtains advice from a registered dealer that the investment is suitable for the purchaser; Requiring funding portals to annually certify that they have sufficient working capital to continue operations for the following year. “Small businesses and start-ups need unified regulatory requirements for securities crowdfunding to expand their access to capital,” said Louis Morisset, Chair of the CSA and President and CEO of the Autorité des marchés financiers. “This proposed National Instrument would introduce a single, harmonized set of rules, and increase the thresholds for capital-raising and investing, while still providing ...
Read More
AS/COA | Luisa Horwitz | February 19, 2020 In a region where a large portion of the population is underbanked, fintech offers an innovative solution for Latin America, paving the way for wider financial development, competition, and inclusion in the region. In the case of Argentina, fintech startups are sprouting and spreading fast. Pierpaolo Barbieri, founder of the startup Ualá, talked with AS/COA Online’s Luisa Horwitz about what motivated him to make the financial system more accessible in Argentina, a country where more than half of people have never had access to a non-cash payment method. “What we try to do is democratize access to financial services,” says Barbieri, who in this episode also covers the generational divide when it comes to fintech, as well as what the sector looks like across Latin America. “We don’t want to change the system from within; what we want is a new system.” Continue to the full article --> here See Fintech Friday Podcast Episodes 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 ...
Read More
UK FCA | Feb 21, 2020 This analysis also contributes to the decisions we make affecting consumers, market integrity and competition. Drivers of change The first chapter describes the common themes across sectors with a focus on those themes that are having the greatest impact on the sectors we regulate. And in the light of EU withdrawal and its impact on financial services markets, we give an overview of our position in the current international context. The 7 sectors The remaining chapters cover all the markets we regulate: retail banking and payments retail lending general insurance and protection pensions savings and retirement income retail investments investment management wholesale financial markets Continue to the full article --> here Download the 86 page PDF Report - Sector Views (Key Areas of Harm Identified) 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, ...
Read More
TransUnion Canada | Release | Feb 24, 2020 New TransUnion study considers common myths around the profile of FinTech borrowers in Canada FinTechs are not just attracting younger Canadians: 46% of FinTech borrowers are over the age of 40 Short-term loans are not the primary focus for FinTechs: 88% of FinTech loan terms are between 13-60 months FinTechs are not just catering to 'underbanked': 51% of FinTech consumers have 3 or more existing credit products TORONTO, Feb. 24, 2020 /CNW/ - A new study from TransUnion explores the evolving trends around the FinTech lender landscape in Canada. The research study analyzed over 21 million non-mortgage credit products originated in Canada from Q1 2017 to Q2 2018. The study's findings reveal key insights that appear to debunk commonly held beliefs around the profile of FinTech borrowers in Canada, as well as the ways that FinTech lenders are employing and embracing different credit strategies compared to some of the more traditional lenders. See: Robocop vs. Terminator in Fintech; Comparing DeFi originations to Digital Lenders in the early years The study defined FinTech lenders as those who rely on advanced computer algorithms or other technology as their primary platform to enable, support or ...
Read More
Forbes | Michael del Castillo | Feb 19, 2020 Credit card giant Visa has granted its principal membership to a cryptocurrency company for the first time. Officially awarded to cryptocurrency exchange Coinbase in December, but not revealed to the public until today, the membership cuts out a crucial, and expensive middleman from the process of issuing a debit card that lets users spend their own bitcoin, ether and XRP anywhere Visa is accepted. Perhaps even more importantly though, the principal membership makes Coinbase the first cryptocurrency company with the power to issue debit cards for others, including other cryptocurrency companies and more traditional firms alike. Visa confirmed it granted Coinbase the principal membership, clarifying that the company itself won’t actually accept cryptocurrency when the project goes live later this year. See: Visa R&D Arm Develops a Blockchain System That Could Replace Financial Data Aggregators While Coinbase says it’s not planning on issuing cards to others anytime soon, the principal membership status marks a potentially important new revenue stream for the company, which Forbes estimates saw a 40% decline in earnings last year. By simplifying the process of spending cryptocurrency anywhere Visa is accepted, the membership also lays the foundation for ...
Read More
Forbes | Ron Shevlin | Feb 21, 2020 LendingClub, one of the nation’s first peer-to-peer lenders (oops! I mean, “marketplace” lenders—real ”peer to peer” lending lasted all of about a month), announced it plans to acquire Radius Bank, a relatively small Boston-based bank, unknown to most people outside of the industry (and within, for that matter). The press release announcing the pending deal contained the usual platitudes from the acquiring CEO: “This is a transformational transaction that allows us to reimagine banking in a way that is free from legacy practices and systems. We will create a category-defining experience for our members that will dramatically enhance the resilience and earnings trajectory of our business.” Despite the buzzword-laden proclamation, this acquisition makes a lot of sense for both parties for reasons that go beyond what many observers have reported on. The Short-Term Benefits Aren’t About Radius Bank Much of the discussion about the deal has focused on the obvious and shorter-term benefits of the acquisition, including a more stable source of funding and a $40 million reduction in bank fees and funding costs, both of which will help boost the spread Lending Club earns on the loans it keeps on its ...
Read More
Pymnts | February 18, 2020 Online bank N26‘s decision to exit the U.K. has customers feeling left behind, CNBC reported. The Berlin-based digital bank said it would not be able to operate in the country anymore in the wake of Brexit, as it will no longer have a license to do business there. The startup will shutter all of its U.K. locations on April 15. N26 made its entry into the U.K. in October of 2018 — more than two years after the U.K. made its decision to leave the European Union, but six months before Brexit was officially planned. However, the fact that N26 used Brexit in its reasoning to leave the U.K. hasn’t sat well with some. One customer in London told CNBC that he was “outraged” that the company had used Brexit as an excuse, calling it “fake news.” He said N26 needed “an excuse” for investors, and had found in Brexit a convenient scapegoat so that it wasn’t N26’s own failure. Others said they were disappointed in the closure, enjoying the extra bonuses that come with accounts. See: Majority of London FinTechs not prepared for no-deal Brexit N26 is one among a new breed of branchless ...
Read More
TechTalks | Andrey Sergeenkov | Feb 12, 2020 As 2018 drew to a close, crypto skeptics were ready to write obituaries after the devastating bear market that year. Talk of blockchain and cryptocurrency demise was rife among seasoned analysts. Just over twelve months later, the industry has shown remarkable resilience to rebound back. Regulators are a segment of stakeholders who seem to be appreciating that crypto is here to stay, with Federal agencies in the US and Chinese authorities praising the potential of this technology in their respective countries’ digital future. Blockchain technology has gained independent credibility over and above its application in cryptocurrency. The opportunities are endless as the emerging enterprise sector continues to draw plaudits. So far, this technology has grown in spite of regulatory infrastructure rather than because of it. A suitable regulatory climate is essential for widespread adoption. See: The Decade in Blockchain — 2010 to 2020 in Review This is how Jason Lee, Vice President of NEM Foundation, describes the industry’s evolution: “2017 was the year of the blockchain craze. In 2018, we hit the brakes towards the end of the year. For 2019 and the start of 2020, Don Tapscott at the World Economic ...
Read More
Betakit | Isabelle Kirkwood | Feb 10, 2020 PwC Canada and CB Insights have released the MoneyTree report on Canadian investment trends for the second half and full year of 2019 (all figures in USD). “Increased competition for funding from global investors has created a healthy funding environment for Canadian startups.” Last year saw Canadian venture capital (VC) funding rise to a record-setting $4.1 billion. Although Canadian funding experienced an 11 percent decline in deal count last year, the report tracked a 16 percent increase in year-over-year funding. Some massive rounds from last year were not included in this year’s report, including Verafin’s round, as the company did not disclose the debt and equity break out, and Sonder’s $210 million raise as the company is now headquartered in the United States. A strong year for AI, FinTech, cybersecurity Artificial intelligence companies saw increased investor attention in 2019, investment in Canadian AI companies more than doubled in the second half of 2019. Last year’s funding to Canadian AI companies saw a 49 percent year-over-year increase in 2019 to $658 million with deal count reaching a new record at 57 deals. See: The paradox of 2020 VC is that the largest funds ...
Read More
Holt Accelerator | Sam El Falah | Feb 27, 2020 The Holt Fintech accelerator is currently taking applications for its 2020 cohort and looking for the best and brightest companies to join. The Holt program is designed for Fintech startups who are pre-Series A (i.e. bootstrapped, pre-seed, seed, bridge) and pride themselves in offering startups as much visibility as possible! How can they help your startup? Capital: We can provide up to $130k in capital and meetings with potential investors Ecosystem: Plug into Holt Financial's digital bank and exchange for new revenue sources Potential Clients: Key people in financial institutions & a network of over 300 Fintech influencers worldwide See: Holt Accelerator Joins NCFA as an Industry Partner Think you are ready to be part of the Holt adventure? Mark your Calendar! The application deadline is May 9th, 2020, 11:59 PM EST. http://bit.ly/35u0jsN For more information visit www.holtaccelerator.ai Social Media Profiles: https://www.linkedin.com/company/holt-accelerator https://www.facebook.com/HoltAccelerator https://twitter.com/HoltAccelerator #Holt2020 #JoinTheFamily #FintechAccelerator 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 ...
Read More
Read More
BCSC | Release | Feb 27, 2020 Vancouver – The Canadian Securities Administrators (CSA) is seeking comment on proposed harmonized rules for start-up securities crowdfunding. Proposed National Instrument 45-110 Start-up Crowdfunding Registration and Prospectus Exemptions would replace and enhance the requirements currently in effect in British Columbia, Alberta, Saskatchewan, Manitoba, Québec, New Brunswick and Nova Scotia. Enhancements from the current requirements include: Increasing to $1 million (from $500,000) the maximum total amount that could be raised by a business under the crowdfunding prospectus exemption per year; Increasing to $2,500 (from $1,500) the maximum investment a purchaser can make in an offering, with a higher limit of $5,000 if the purchaser obtains advice from a registered dealer that the investment is suitable for the purchaser; Requiring funding portals to annually certify that they have sufficient working capital to continue operations for the following year. “Small businesses and start-ups need unified regulatory requirements for securities crowdfunding to expand their access to capital,” said Louis Morisset, Chair of the CSA and President and CEO of the Autorité des marchés financiers. “This proposed National Instrument would introduce a single, harmonized set of rules, and increase the thresholds for capital-raising and investing, while still providing ...
Read More
Read More
AS/COA | Luisa Horwitz | February 19, 2020 In a region where a large portion of the population is underbanked, fintech offers an innovative solution for Latin America, paving the way for wider financial development, competition, and inclusion in the region. In the case of Argentina, fintech startups are sprouting and spreading fast. Pierpaolo Barbieri, founder of the startup Ualá, talked with AS/COA Online’s Luisa Horwitz about what motivated him to make the financial system more accessible in Argentina, a country where more than half of people have never had access to a non-cash payment method. “What we try to do is democratize access to financial services,” says Barbieri, who in this episode also covers the generational divide when it comes to fintech, as well as what the sector looks like across Latin America. “We don’t want to change the system from within; what we want is a new system.” Continue to the full article --> here See Fintech Friday Podcast Episodes 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 ...
Read More
Read More
UK FCA | Feb 21, 2020 This analysis also contributes to the decisions we make affecting consumers, market integrity and competition. Drivers of change The first chapter describes the common themes across sectors with a focus on those themes that are having the greatest impact on the sectors we regulate. And in the light of EU withdrawal and its impact on financial services markets, we give an overview of our position in the current international context. The 7 sectors The remaining chapters cover all the markets we regulate: retail banking and payments retail lending general insurance and protection pensions savings and retirement income retail investments investment management wholesale financial markets Continue to the full article --> here Download the 86 page PDF Report - Sector Views (Key Areas of Harm Identified) 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, ...
Read More
Read More
TransUnion Canada | Release | Feb 24, 2020 New TransUnion study considers common myths around the profile of FinTech borrowers in Canada FinTechs are not just attracting younger Canadians: 46% of FinTech borrowers are over the age of 40 Short-term loans are not the primary focus for FinTechs: 88% of FinTech loan terms are between 13-60 months FinTechs are not just catering to 'underbanked': 51% of FinTech consumers have 3 or more existing credit products TORONTO, Feb. 24, 2020 /CNW/ - A new study from TransUnion explores the evolving trends around the FinTech lender landscape in Canada. The research study analyzed over 21 million non-mortgage credit products originated in Canada from Q1 2017 to Q2 2018. The study's findings reveal key insights that appear to debunk commonly held beliefs around the profile of FinTech borrowers in Canada, as well as the ways that FinTech lenders are employing and embracing different credit strategies compared to some of the more traditional lenders. See: Robocop vs. Terminator in Fintech; Comparing DeFi originations to Digital Lenders in the early years The study defined FinTech lenders as those who rely on advanced computer algorithms or other technology as their primary platform to enable, support or ...
Read More
Read More
Forbes | Michael del Castillo | Feb 19, 2020 Credit card giant Visa has granted its principal membership to a cryptocurrency company for the first time. Officially awarded to cryptocurrency exchange Coinbase in December, but not revealed to the public until today, the membership cuts out a crucial, and expensive middleman from the process of issuing a debit card that lets users spend their own bitcoin, ether and XRP anywhere Visa is accepted. Perhaps even more importantly though, the principal membership makes Coinbase the first cryptocurrency company with the power to issue debit cards for others, including other cryptocurrency companies and more traditional firms alike. Visa confirmed it granted Coinbase the principal membership, clarifying that the company itself won’t actually accept cryptocurrency when the project goes live later this year. See: Visa R&D Arm Develops a Blockchain System That Could Replace Financial Data Aggregators While Coinbase says it’s not planning on issuing cards to others anytime soon, the principal membership status marks a potentially important new revenue stream for the company, which Forbes estimates saw a 40% decline in earnings last year. By simplifying the process of spending cryptocurrency anywhere Visa is accepted, the membership also lays the foundation for ...
Read More
Read More
Forbes | Ron Shevlin | Feb 21, 2020 LendingClub, one of the nation’s first peer-to-peer lenders (oops! I mean, “marketplace” lenders—real ”peer to peer” lending lasted all of about a month), announced it plans to acquire Radius Bank, a relatively small Boston-based bank, unknown to most people outside of the industry (and within, for that matter). The press release announcing the pending deal contained the usual platitudes from the acquiring CEO: “This is a transformational transaction that allows us to reimagine banking in a way that is free from legacy practices and systems. We will create a category-defining experience for our members that will dramatically enhance the resilience and earnings trajectory of our business.” Despite the buzzword-laden proclamation, this acquisition makes a lot of sense for both parties for reasons that go beyond what many observers have reported on. The Short-Term Benefits Aren’t About Radius Bank Much of the discussion about the deal has focused on the obvious and shorter-term benefits of the acquisition, including a more stable source of funding and a $40 million reduction in bank fees and funding costs, both of which will help boost the spread Lending Club earns on the loans it keeps on its ...
Read More
Read More
Pymnts | February 18, 2020 Online bank N26‘s decision to exit the U.K. has customers feeling left behind, CNBC reported. The Berlin-based digital bank said it would not be able to operate in the country anymore in the wake of Brexit, as it will no longer have a license to do business there. The startup will shutter all of its U.K. locations on April 15. N26 made its entry into the U.K. in October of 2018 — more than two years after the U.K. made its decision to leave the European Union, but six months before Brexit was officially planned. However, the fact that N26 used Brexit in its reasoning to leave the U.K. hasn’t sat well with some. One customer in London told CNBC that he was “outraged” that the company had used Brexit as an excuse, calling it “fake news.” He said N26 needed “an excuse” for investors, and had found in Brexit a convenient scapegoat so that it wasn’t N26’s own failure. Others said they were disappointed in the closure, enjoying the extra bonuses that come with accounts. See: Majority of London FinTechs not prepared for no-deal Brexit N26 is one among a new breed of branchless ...
Read More
Read More
TechTalks | Andrey Sergeenkov | Feb 12, 2020 As 2018 drew to a close, crypto skeptics were ready to write obituaries after the devastating bear market that year. Talk of blockchain and cryptocurrency demise was rife among seasoned analysts. Just over twelve months later, the industry has shown remarkable resilience to rebound back. Regulators are a segment of stakeholders who seem to be appreciating that crypto is here to stay, with Federal agencies in the US and Chinese authorities praising the potential of this technology in their respective countries’ digital future. Blockchain technology has gained independent credibility over and above its application in cryptocurrency. The opportunities are endless as the emerging enterprise sector continues to draw plaudits. So far, this technology has grown in spite of regulatory infrastructure rather than because of it. A suitable regulatory climate is essential for widespread adoption. See: The Decade in Blockchain — 2010 to 2020 in Review This is how Jason Lee, Vice President of NEM Foundation, describes the industry’s evolution: “2017 was the year of the blockchain craze. In 2018, we hit the brakes towards the end of the year. For 2019 and the start of 2020, Don Tapscott at the World Economic ...
Read More
Read More
Betakit | Isabelle Kirkwood | Feb 10, 2020 PwC Canada and CB Insights have released the MoneyTree report on Canadian investment trends for the second half and full year of 2019 (all figures in USD). “Increased competition for funding from global investors has created a healthy funding environment for Canadian startups.” Last year saw Canadian venture capital (VC) funding rise to a record-setting $4.1 billion. Although Canadian funding experienced an 11 percent decline in deal count last year, the report tracked a 16 percent increase in year-over-year funding. Some massive rounds from last year were not included in this year’s report, including Verafin’s round, as the company did not disclose the debt and equity break out, and Sonder’s $210 million raise as the company is now headquartered in the United States. A strong year for AI, FinTech, cybersecurity Artificial intelligence companies saw increased investor attention in 2019, investment in Canadian AI companies more than doubled in the second half of 2019. Last year’s funding to Canadian AI companies saw a 49 percent year-over-year increase in 2019 to $658 million with deal count reaching a new record at 57 deals. See: The paradox of 2020 VC is that the largest funds ...
Read More
Read More
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