Opinion

Editorial opinions on the burgeoning industry of CrowdFunding and the associated regulations.

The Financial Conduct Authority Annual Report: “The FCA has been a consistent champion of Fintech and Regtech”

The leading financial regulator in the United Kingdom released their annual report this week. The Financial Conduct Authority (FCA) tackled a wide spectrum of issues in the report including the forthcoming separation from Europe. But the FCA also addressed their ongoing intent to foster an… Read More

Templum to Congress on Fintech & Digital Assets: “It is critical for regulators to foster innovation without stifling it through unclear regulations”

Earlier this week, the Subcommittee on Monetary Policy, part of the House Financial Services Committee, held a hearing on the future of money that addressed the rise in prominence of cryptocurrency. While some members of Congress remain supportive of crypto and Fintech in general, others… Read More

House of Representatives Passes JOBS Act 3.0 with Broad Bipartisan Support: 406 Vote Yes, 4 Vote No

As was expected – the “JOBS and Investor Confidence Act of 2018,” also being branded as the JOBS Act 3.0, passed the House this week in a nearly unanimous act of legislation that rarely happens on Capitol Hill. The bill is actually a compendium of… Read More

From BlackRock to Fintech – A Natural Career Evolution

When people hear I moved from BlackRock to Fintech iCapital Network, I see a fair number of raised eyebrows. On one hand, you have BlackRock, an established asset-management behemoth. On the other, there’s iCapital, a small, young Fintech company – so the transition seems curious… Read More

Congressional Hearing on The Future of Money & Crypto: “These Innovations Should be Fostered Not Smothered”

The Monetary Policy Subcommittee, part of the House Financial Services Committee, held a hearing today addressing the emerging world of cryptocurrencies. Over the past several months, several Congressional committees have held similar hearings as policy makers seek to better understand crypto and perhaps hinder, or… Read More

Will the Definition of an Accredited Investor Finally get Fixed? The JOBS and Investor Confidence Act Includes Bill that May Finally Address this Longstanding Problem

The current definition of an accredited investor is a profound act of disenfranchisement. Policy makers decision to segregate investors based solely on how much money they have is a myopic, discriminatory act of rulemaking. The punitive definition of an accredited investor has been in place… Read More

Crypto is Experiencing Dramatic Growth – But Where Are The Women?

Male and white – this was the start of the cryptocurrency world. Since the early days of cryptocurrencies, miners, and blockchain developers have been comprised of men – and today’s token projects are reflective of that gender disparity. There is a gender imbalance in the… Read More

Finders Bill: Legislation in Congress May Help Small Firms Raise Capital and this Paper Explains Why

Small businesses in the US, and just about every other country, are the life blood of the economy where they operate. This is a fact. Providing access to capital to smaller firms is thus a vital need to drive economic growth, create jobs, and enable… Read More

56% of Cryptocurrency Startups Gone in Four Months

A study of the Twitter activity of 2,390 ICOs (initial coin offerings) has found that, four months after completing their initial token sales (ICOs), only 44.2% of crypto firms are still in business. The study by Boston College School of Management professor Leonard Kostovetsky and… Read More

While Most Go Bust, are Successful ICOs Underpriced?

ICOs (Initial Coin Offering) have established themselves in the last year as an effective tool to finance technological start-ups, generally linked to the digital world: from January 2017 to May 2018 about 12 billion dollars were collected issuing tokens. As with more traditional equity offerings,… Read More

Securities Token Roundtable Meets to Upgrade ERC20 Smart Contracts for Blockchain based Security Token Offerings

The flight to Barbados isn’t a short one.  I left home at 5am and didn’t get into Barbados until after midnight thanks to a minor delay caused by inclement weather surrounding Miami.  I heard that it’ll take roughly 35 hours for another person who’s coming… Read More

Attorney Steven Gatti: “FINRA’s Digital Assets Notice is Sweeping in its Coverage and Raises Important Considerations”

Recently, the Financial Industry Regulatory Authority (FINRA) – the self regulatory organization (SRO) that oversees broker dealers and other financial firms – issued a “Regulatory Notice” on digital assets. Digital assets, as defined by FINRA, include just about anything associated with blockchain including digital assets that… Read More

Exclusive! hack.summit() & HackVCEd Founder Ed Roman Discusses Central Blockchain Issues

Venture capital firm Hack VC is in the midst of its bi-annual event, hack.summit(), a gathering and hackathon of some of the world’s key technical leaders in blockchain. Now live and held virtually until 11 July 2018, this year’s hack.summit() theme is blockchain, with headline speakers… Read More

Ontario Securities Commission “Doesn’t Really Know What’s Going On” in Blockchain Fintech, Says Lawyer

The Ontario Securities Commission (OSC) published its 2018-2019 “Statement of Priorities” June 5th, but the document provides zero helpful guidance to Ontario companies trying to engage with cutting-edge blockchain-based financial technologies, says Toronto-based blockchain lawyer Amy ter Haar. The “OSC…Statement of Priorities for the Financial… Read More

A Vision for the Future of Crowdfunding

Crowdfunding today exists in many forms. Platforms such as Kickstarter and Indiegogo let entrepreneurs reward their community of supporters with tiered, tangible rewards.  Patronage-based models allow content creators to sustain their work with recurring donations from their fanbase. Equity crowdfunding and emerging initial coin offering… Read More

Lauded Economist and Central Banker Agustín Carstens Urges Trade Cooperation, Calls Cryptos “Psuedocurrencies”

Money, “brings the best out of every individual..(and) makes the machinery work…” says famed Mexican economist and General Manager of the Bank for International Settlements (BIS), Agustín Carstens, but “the system is fragile” to interest rate and trade gyrations, and young people must stop printing from nothing in… Read More

New Global Fintech Hub Report Puts China at Top, Silicon Valley in 2nd Place

In recent years most Fintech Hub reports have pegged the UK, and more specifically London, at the top of the list when it comes to ranking Fintech centers of excellence. The UK has been widely lauded due to various characteristics but always included in these… Read More

US Secretary of Commerce Wilbur Ross & UK Trade Secretary Dr. Liam Fox Meet to Strengthen Trade in Advance of Brexit

US Secretary of Commerce Wilbur Ross is in London meeting with Dr. Liam Fox, International Trade Secretary. The duo met as part of an ongoing discussion to boost trade ties between the two countries in advance of the looming Brexit. According to a report by… Read More

Focusing on the How, Not the What: Making Sense of Recent SEC Guidance on Crypto Assets

Through a triad of recent releases/interviews, the SEC has further clarified how it views the offering and sale of crypto assets. These guidance materials provide some really good insight on the SEC’s thinking with respect to its treatment of crypto assets; including some bright line… Read More

Switzerland’s Sovereign Money Referendum Suggests It’s Time to Rethink the Fed

On June 10th, Swiss voters took to the polls to decide whether the country should switch to a so-called sovereign money system. Those supporting the measure felt it would make the financial system safer by preventing bankers from recklessly lending and putting people’s savings at… Read More