Opinion

Editorial opinions and perspective on Fintech.

ESMA, MiFID and the Post-Brexit Future of Europe’s Capital Markets Union

  Recently, the European Securities and Markets Authority (ESMA) held its first ever conference in Paris. The event underlined the growing importance of ESMA, the European Supervisory Authority for capital markets. Along with the European Commission and the Parliament, ESMA is one of the pillars… Read More

Tezos Terms Call Contributions “Donations”, Contributors Apparently Waive the Right to Class Action

Recently someone forwarded a copy of the Tezos Terms of Allocation regarding their spectacularly successful Initial Coin Offering (ICO). To update anyone that has not followed the odyssey of the high profile ICO, Tezos – a self amending cryptographic ledger”, raised $232 million this past… Read More

The SEC, the ICO and Avoiding the ICU: A Call for Leadership and Action

As a securities lawyer and a sometimes advocate for smart regulation of capital formation, I must confess: When it comes to addressing the current state of the Initial Coin Offering (ICO) marketplace, I believe that market participants face a crisis of growing proportions. No Hype… Read More

The Token Sale Sky is Not Falling. Unless We Cause It To.

You Can’t Generally Stop Someone From Suing You. In the years before the blockchain buzz, I often would sit in my mentor’s office for conference calls. Even on calls where there was not much for me to add, I always learned from listening to him… Read More

Latium’s David Johnson on CME Group’s Bitcoin Futures Launch: “The long term impact will be world-changing”

Earlier this week, The CME Group announced the upcoming launch of Bitcoin Futures, an event that should drive both liquidity and overall acceptance higher for the popular cryptocurrency. The creation of Bitcoin Futures by CME, the world’s leading and most diverse derivatives marketplace, is a significant validation… Read More

Initial Coin Offerings Need Governance Now

It is clear with the Tezos Greek tragedy, many Initial Coin Offering (ICO) investors are worried about investing in complex and sometimes shady structures. The founders visiting the Swiss city of Zug to set up their foundation may find their days numbered. The idea to… Read More

Sober Enthusiasm for Blockchain While ICOs Create a Crypto Bubble

  Sober enthusiasm is the way I would describe a recent LAT Blockchain Economic Forum I attended in New York City. Most speakers at the event noted that we are in a crypto bubble referencing the gold rush mentality embracing the Initial Coin Offering (ICO)… Read More

Apparent Fed Chair Pick Jay Powell is Supportive of Fintech, Cautious on Crypto, DLT

Jerome “Jay” Powell, a current Federal Reserve Governor, appears to be the Trump Administration’s pick to replace current Fed Chair Janet Yellen this coming February. Powell may not have been an obvious selection but much of the media is describing him as a steady hand… Read More

Karen Mills: Predictions for the Future of Small Business Lending and Fintech

Several years back while at LendIt Europe in London, I had the opportunity to sit down with Karen Mills a Senior Fellow at the Harvard Business School Harvard. Mills previously was a Cabinet Member during the Obama Administration from 2009 to 2013. At that time,… Read More

Kickstarter Round 3: Founders Danielius & Matas Jakutis Discuss How Filippo Loreti’s Watch Campaign Ticks Past €4.8M+

Fillippo Loreti has returned to Kickstarter for its third campaign. Founded in 2014, when brothers Danielius and Matas Jakutis were researching the luxury watch market with the goal of revolutionizing the luxury industry by offering high-quality luxury products at affordable prices. The believe that a luxury watch… Read More

Perspective: There are Two Sides to the Initial Coin Offering Debate

On Friday, Crowdfund Insider ran a story entitled “ICOs are Securities: Token Based Offerings Poised for a Rude Awakening as US Regulators May Soon Act”. Raising funds through the sale of digital tokens (commonly known as initial coin offerings or “ICOs”) has garnered tremendous attention… Read More

McKinsey: Banks Cannot Afford to Wait Any Longer as Digital Entrants Impact Bank Performance

McKinsey recently published a report on the global banking industry. While stating the financial recovery has helped old finance regain their footing the future is not quite so clear. According to the authors; “New digital entrants are also having an impact on bank performance, particularly… Read More

BrewDog Taps Crowdfunding Again at £1.7 Billion Valuation

BrewDog and its Equity for Punks crowdfunding project is at it once again. The Scottish craft brewer is returning to the UK with a securities offer following the end of its US Reg A+ crowdfunding round. To date, BrewDog has raised around £41 million in… Read More

Perspective: Building a World-Class Risk Team

What is a world-class risk team and how do you build one? I’m often asked that question as Chief Risk Officer of BlueVine. Like other Fintech lenders, we are intensely focused on risk. Building a world-class risk team has been and will always be a… Read More

Patient Capital: Deepbridge Provides EIS & SEIS Wish List as Autumn Budget Nears

Deepbridge Capital, a company that provides investment access to small and medium sized UK growth businesses, has shared a wish list regarding the Enterprise Investment Scheme (EIS) and Seed Enterprise Investment Scheme (SEIS) and measures it would like to see in Chancellor Philip Hammond’s forthcoming… Read More

ICOs are Securities: Token Based Offerings Poised for a Rude Awakening as US Regulators May Soon Act

The US Securities and Exchange Commission (SEC) pumped their regulatory brakes on Initial Coin Offerings (ICOs) earlier this year. Pointing to the DAO debacle, the Feds said if a tokenized offering is a security it will be regulated, end of story. This  statement was a long… Read More

US Bitcoin Foundation Seeks Donations to Challenge Pending Legislation that May Cripple Crypto

Pending US legislation titled “The Combating Money Laundering, Terrorist Financing, and Counterfeiting Act of 2017,″ seeks to update criminal money laundering and counterfeiting statutes. As written now, the bill impacts the utilization of any and all cryptocurrencies. Senate Bill 1241, sponsored by Senator Chuck Grassley, will define anyone… Read More

ECN Convention Debates Technology & Cross-border Future in EU Alternative Finance & Crowdfunding

Two main topics of the 6th Annual Convention of the European Crowdfunding Network (ECN) on October 19th and 20th were technology innovation and cross-border finance. The discussions showed that alternative finance has only scratched the surface of its technological innovation’s potential ‒ the potential to… Read More

Here is the London Token Fundraising Manifesto

There are multiple movements being organized by the crytpo world to create a legitimate and sustainable Initial Coin Offering ecosystem. This means putting the hammer to fraud and creating a set of principles based best practices to guide the nascent industry as it goes from… Read More

UK: The Investment Opportunities You Should Know About

  Since 2011, the UK technology sector has seen £28 billion invested into it – a sum which means it is the largest tech investment in the European Union. France has received £11 billion in investment since 2011, while Germany has gained £9.3 billion. In… Read More

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