Rojin Nair, Advisor
June 1st, 2021
At Incyub8 Inc, Rojin is focusing on nurturing and guiding various national and international start-[...]
Report: State of Regulation Crowdfunding Says No Gold Rush But an Undeniable Job Creator
Crowdfund Insider | | Feb 1, 2019
Regulation Crowdfunding (or Reg CF), created by Title III of the JOBS Act, has been available for several years now. While not without its shortcomings, Reg CF has been leveraged by hundreds of issuers, typically smaller firms, raising over $100 million since May 2016.
This past week, Crowdfund Capital Advisors (CCA) published a report on Reg CF entitled “2018 State of Regulation Crowdfunding,” providing a snap-shot of the securities exemption and its overall performance.
Crowdfund Insider communicated with CCA principle Sherwood “Woodie” Neiss regarding the report. Neiss told CI the promise of Reg CF as a jobs creator and economic engine is starting to prove true:
“Back in 2012, the promise of Regulation Crowdfunding was jobs, a local economic generator, and an industry revitalizer. With the close of the 3rd calendar year of Reg CF we can see that those promises are holding true. Reg CF is proving to be a jobs engine (creating on average 2.9 jobs per issuer), economic generator (pumping over $289 million of revenues into local economies) and industry supporter (enabling 82 unique industries in regions across the USA).”
See: Prominent Group of Fintech Leaders Send Letter to SEC Chair Jay Clayton Demanding an Increase in Regulation Crowdfunding to $20 Million
According to their research, proceeds for campaigns that closed in 2018 increased 154% from $71.2 million in 2017 to $109.3 million in 2018. Total proceeds since inception by the end of 2018 was $194 million.
The number of successful offerings increased 189% from 221 in 2017 to 417 in 2018. The average success rate of a campaign jumped from 58.9% in 2017 to 63.9% in 2018.
The average raise by an issuer is $271,000.
The total number of investors in successful offerings increased 190% from 77,558 in 2017 to 147,448 in 2018.
Unlike the hubris of the initial coin offering world, Reg CF offerings have experienced slower, more sustainable growth, according to CCA.
“Yes there has been no Gold Rush into Reg CF,” says Neiss. “We consider that a good thing. Reg CF issuers tend to be early stage, high risk firms. Investors need to take care when deciding if and how much they want to invest in these enterprises. A slow and methodical growth of the industry now will help the industry in the future.”
While the hope was for online capital formation to provide access to funding beyond established innovation hubs, that hasn’t happened:
“The data shows the entrepreneurial hubs like New York, San Francisco, Los Angeles, Chicago and Austin are popular locations for Reg CF companies. Other cities and states around the USA that are interested in promoting jobs and supporting industries in which they have a core competency, should look at these cities/states and copy their success,” explains Neiss.
See: $5 million Equity crowdfunding extended to private companies in Australia
CCA believes that Reg CF has been good but it could be even better. Notably, Reg CF could be “poised for serious growth if the SEC would increase the issuer cap from $1,070,000 to $20,000,000:”
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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Read More
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Crowdfund Insider | David R. Burton | May 16, 2022 Passed with large bipartisan majorities and signed into law by President Obama, the 2012 JOBS Act was a bipartisan achievement of consequence. The JOBS Act substantially improved the laws governing entrepreneurial capital formation and has had a measurable positive impact on entrepreneurial capital formation. On the 10th anniversary of the JOBS Act, Senate Banking Committee Republicans under Sen. Toomey’s leadership, have released a discussion draft of new legislation, called JOBS Act 4.0, that would considerably improve the regulatory environment for entrepreneurs seeking to raise capital. In all, it contains 29 discrete pieces of legislation, many of which have also been introduced as stand-alone legislation. The package, considered as a whole, can be expected to have a very positive impact comparable to that of the original JOBS Act. These bills were discussed at an April 5th Senate Banking Committee hearing at which the author testified. Sen. Toomey is seeking public comments on how the draft legislation may be improved by June 3, 2020. Comments may be provided by email to submissions@banking.senate.gov. See: Fintech Fridays EP57: 10 Years of Investment Crowdfunding: Past, Present & Future Since the JOBS Act The discussion draft ...
Read More
Read More
UK Law Society Gazette | Jonathan Goldsmith | May 16, 2022 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 ...
Read More
Read More
FP | Stephanie Hughes | May 17, 2022 Swedish fintech leader Klarna Bank is planning to establish a product development and tech hub in Toronto as it looks to grow its “buy now, pay later” model in the increasingly competitive North American market. BNPL is already starting to take off in Canada and BNPL payments are projected to grow 63.5 per cent and reach $5.9 billion in 2022 (Source: Research and Markets). Now, with more than 400,000 merchants on board and US$1.6 billion in net operating income, founder and chief executive officer Sebastian Siemiatkowski is looking to catch a ride on Toronto’s thriving tech scene and take advantage of the country’s shift into open banking. See: Welcome to the third largest tech-hub in North America Why Canada? Klarna initially set its sights on Canada in February, when it brought its “Pay in 4” (split payment) service to Canada in February and partnered with retailers such as Harry Rosen, Mejuri and Frank And Oak as well as hundreds of others. Building a tech hub with up to 500 people would give the company a startup feel as well as a foothold in the North American market. Being part of an ecosystem ...
Read More
Read More
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Read More
Read More
Afrotech | Josh Rodgers | May 16, 2022 Elon Musk and the acquisition of social media giant, Twitter, have caught the attention of many high-profile individuals. Whether it’s celebrities denouncing their association with the app because they disagree with him or A-listers trying to gain a piece of the pie, there is no shortage of interest around the estimated multi-billion-dollar deal. AfroTech previously reported that Meek Mill tweeted his desire to purchase shares of Twitter after the billionaire bought it. Now, LA rap legend Snoop Dogg has entered the chat, and he doesn’t just want to buy a part of it — he wants the entire thing. In a tweet from May 13, Snoop Dogg wrote, “May have 2 buy Twitter now.” See: Snoop Dogg Reveals He’s An NFT Whale While it’s unclear whether the California rapper was serious or not, he did follow up his original tweet with some detailed plans if he were to go through with purchasing the social media platform. From changing up the board of directors to giving everyone a verified blue checkmark, Snoop’s hypothetical purchase comes with some big shake-ups. He even started the hashtag #WhenSnoopBuysTwitter to chronicle his list of ideas. With all ...
Read More
Read More
eMarketer | Adriana Nunez | May 18, 2022 Mastercard’s new Biometric Checkout Program brings facial and fingerprint recognition technology to the point-of-sale (POS). By linking consumers’ biometrics with their payment cards Mastercard can grow card volume even if a physical card isn’t present during the transaction. The program lets consumers link their facial and fingerprint biometrics to a payment card. Once enrolled in the system, customers can check out with their face or fingerprint, no cards or mobile phones necessary. Mastercard is working with several biometric and tech firms, including Payface and Fujitsu, to roll out the program. It kicked off a pilot in Brazil, where it is trialing the tech with Payface across five St Marche supermarket locations. Mastercard plans to launch similar pilots in the Middle East and Asia. See: How to protect your digital identity? Contactless payments have become more popular during the pandemic, as consumers opt for more touchless checkout experiences. The number of global proximity mobile payment users is expected to hit 1.345 billion in 2022, up from 1.182 billion in 2020, per Insider Intelligence forecasts. QR code-based transactions and tap-and-pay cards are also fueling contactless payment growth. And growing fraud threats have made payment ...
Read More
Read More
The World Bank | Michael Geller and Arpita Sarkar | May 18, 2022 The ongoing digitization of financial services and money creates opportunities to build more inclusive and efficient financial services and promote economic development. This digital transformation presents a paradigm shift that has various policy implications, including: Foster beneficial innovation and competition, while managing the risks. Broaden monitoring horizons and re-assess regulatory perimeters as embedding of financial services blurs the boundaries of the financial sector. Be mindful of evolving policy tradeoffs as fintech adoption deepens. Review regulatory, supervisory, and oversight frameworks to ensure they remain fit for purpose and enable the authorities to foster a safe, efficient, and inclusive financial system. Anticipate market structure tendencies and proactively shape them to foster competition and contestability in the financial sector. Modernize and open up financial infrastructures to enable competition and contestability. Ensure public money remains fit for the digital world amid rapid advances in private money solutions. Pursue strong cross-border coordination and sharing of information and best practices, given the supra-national nature of fintech. Countries should embrace these opportunities and implement policies that enable and encourage safe financial innovation and adoption. Technological advances are blurring the boundaries of both financial firms ...
Read More
Read More
Guest Post | May 18, 2022 If you spend an inordinate amount of time on your phone, you’re bound to know your way around an app or two. While many of us are familiar with the likes of Facebook, Instagram, Snapchat, and others, many apps are a hindrance rather than helpful. For instance, social media may seem like a good way to kill time, but too much time spent scrolling through your newsfeed can be detrimental to your mental health. Today we’ll be looking at some of the best apps you can use to become a more interesting and knowledgeable person. Read on for more information. Nerdish Nerdish should be the first place you look if you are looking for an educational app to broaden your mind and improve your knowledge base. Available from your app store, Nerdish is a collection of informative and enjoyable articles on many different subjects, all of which are well-researched and only take 15 minutes to read. Whatever your preferences, Nerdish has got you covered. If you want to brush up on your general knowledge or learn more about your favorite topics, this app is well worth your time. Duolingo Many people wish they could ...
Read More
Read More
Chainanalysis | May 18, 2022 How Storyline reinvents investigations for web3 When Chainalysis invented blockchain analysis tools in 2014, very few people understood what was happening on Bitcoin blockchain. Transaction records were difficult to interpret and it was hard to distinguish between addresses in a private wallet and an address on a custodial exchange. Reactor solved this problem by providing an easy way to visualize relationships between on-chain transactions and real world identity. Our goal with Chainalysis Storyline is to bring this same simplicity to the more complex multi-chain world of DeFi, and make it easy for our users to comprehend the blockchains of the web3 era. See: Hong Kong’s Web3 ‘Mr. Metaverse’ vs. Mark Zuckerberg How exactly does DeFi make cryptocurrency transactions more complicated for investigators? The core issue is chain hopping. DeFi protocols have made chain hopping easy, allowing users to switch between several different kinds of cryptocurrency in a single transaction. Cross-chain graphing in Chainalysis Reactor can mitigate much of that complexity, but tracking funds across blockchains to separate destinations can still be time-consuming. Another issue is that many seemingly simple DeFi transactions actually involve multiple smart contracts, making them appear more complex on the blockchain than ...
Read More
Read More
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