Opinion

Editorial opinions and perspective on Fintech.

JOBS Act of 2012: Ten Years of Legalized Investment Crowdfunding

  The JOBS Act of 2012 was signed into law by President Barack Obama ten years ago today, on April 5, 2012. In a rare moment of bipartisanship, Republicans and Democrats joined together to help private firms raise much-needed growth capital via online securities offerings…. Read More

Centralized and Decentralized Digital Asset Exchanges Are Serving Varied Requirements: Huobi Ventures

Although centralized crypto exchanges (CEXes) and decentralized crypto exchanges (DEXes) are often said to be in competition with each other, an executive from Huobi Ventures believes the opposite is true. During the annual Harvard Blockchain Conference held 27 March 2022, Huobi Ventures Investment Director HaiJing… Read More

Foreshadowing? SEC Chairman Gary Gensler Says Staff is Reviewing How to Get Crypto Exchanges “Registered and Regulated”

In remarks for the Penn Law Capital Markets Association Annual Conference, SEC Chairman Gary Gensler sent a clear warning to crypto exchanges and other marketplaces that trade in crypto. Gensler explicitly stated that he has asked staff to review how the Securities and Exchange Commission… Read More

Beyond Geopolitical Strife and Profound Economic Challenges, Jamie Dimon Worries About Competition from Fintechs

Jamie Dimon’s annual letter to JPMorgan (NYSE:JPM) shareholders is out today. Dimon, probably the most respected bank CEO on Wall Street, crafts a shareholder letter each year where he shares his opinion and perspective on the financial services industry, challenges as well as opportunities. For… Read More

Binance CTO Comments on Crypto, Blockchain, Web3 Development and Mainstream Adoption

Binance’s Chief Technology Officer, Rohit Wad recently shared why he decided to make the leap to crypto and blockchain, and the projects that “excite” him. Rohit noted that before the COVID-19 pandemic, his mother “didn’t even use credit cards.” He added that now, she knows… Read More

Research Paper Addresses NFTs, Tokenization, and the Monetization of “Things”

Published last month, Steven L. Schwarcz, Duke University School of Law, has authored a paper on NFTs, Tokenization, and the Monetization of “Things”. The emergence of digital assets has empowered digital securities as well as other digital assets that may, or may not, have value. First,… Read More

Former SEC Official Hammers Web3: “Scourge and Scam”

John Reed Stark, a former Securities and Exchange Commission official who at one point ran the SEC Office of Internet Enforcement, has posted a series of tweets sharing his belief that Web3 is little more than a “scourge and a scam.” Stark is currently a… Read More

LendInvest Founder Christian Faes Discusses Challenges to UK Fintech: “I’m still excited for UK Fintech”

Christian Faes is one of the leading voices in the UK advocating on behalf of the Fintech ecosystem. He is a founder and Executive Chairman of LendInvest – a successful property financing platform that is now traded on the LSE, and the Chairman of Fintech… Read More

The SEC’s Scattershot and Inefficient Approach to Crypto: Commissioner Hester Peirce Comments on New Staff Bulletin on Crypto

The Securities and Exchange Commission (SEC) has posted a Staff Accounting Bulletin (SAB) expressing the view of the staff regarding the “accounting for obligations to safeguard crypto-assets an entity holds for platform users.” The SAB adds “interpretive guidance” regarding “obligations to safeguard crypto-assets held for… Read More

Apple Predicted to Move Deeper into Fintech

A report from earlier today should come as no surprise as it is being predicted that Apple (NASDAQ:APPL) will move deeper into digital financial services or Fintech. According to Bloomberg, a person with knowledge of the matter said that Apple is building its own payments… Read More

SEC Proposes New Rules Impacting SPACs

The Securities and Exchange Commission (SEC) has issued a statement proposing new rules impacting Special Purpose Acquisition companies or SPACs. The recent rise in the number of SPACs being utilized to bring a company public with less disclosure than a traditional initial public offering has… Read More

Dear Member of European Parliament: Global Digital Finance Tells MEPs to Pump the Brakes on Transfer of Funds Regulation

As was recently reported, the European Parliament is poised to vote on regulation pertaining to the Transfer of Funds that will impact crypto-assets. The quote the European Commission: “The anonymity associated with crypto assets, as well as their speed and global reach bring obvious risks… Read More

Jonah Schulman from Security Token Market Shares Growth Plans, Strategy for 2022

Jonah Schulman from Security Token Market, which is sharply focused on the blockchain-based security tokens sector, recently shared his views and insights exclusively with Crowdfund Insider. Jonah Schulman, the Head of Communications at Security Token Market, explained why blockchain or distributed ledger tech (DLT)-powered security… Read More

Steven L. Schwarcz, Professor of Law and Business at Duke University, Shares Insights on NFTs, Tokenization

Steven L. Schwarcz, a Stanley A. Star Distinguished Professor of Law & Business at Duke University School of Law, notes that in the paper, titled Next-Generation Securitization: NFTs, Tokenization, and the Monetization of ‘Things’ (forthcoming in the Boston University Law Review), he has looked at the surge… Read More

Bad Facts Make Bad Law. Coinbase Slams European Union’s Transfer of Funds Regulation

New rules in Europe designed to stymie illicit activity may go too far, according to Coinbase. New Transfer of Funds Regulation “would unleash an entire surveillance regime on exchanges,” explains the crypto exchange. In a blog post, Coinbase states that “bad facts, make bad law,”… Read More

Gemini CTO Pravjit Tiwana Comments on Building the Future of Web 3.0

At the beginning of 2022, Gemini had welcomed their CTO, Pravjit Tiwana, who joined them from Amazon Web Services (AWS). Pravjit is responsible for leading Gemini’s Engineering, Product, and Information Security teams, with “a vision of building customer-centric innovative products that harness the opportunities of… Read More

Fintechs Comment on Spring Statement by Chancellor of the Exchequer Rishi Sunak

Last week, Chancellor of the Exchequer Rishi Sunak delivered the Spring Statement outlining the challenges facing the economy and at least some of the government’s plans to alleviate some of the pain. A combination of COVID and then Russia’s unprovoked invasion of Ukraine has helped… Read More

Paradigm Drift: Pricing Legendary Series A Terms Against Today’s Market

The blistering pace of venture capital deployment has emerged as one of the more salient investment themes from the pandemic. As Fred Wilson, partner at Union Square Ventures, observes, “It is tempting to mourn the loss of careful and considered investing but from where I… Read More

An SEC Committee Wants to Make it Easier to Qualify as an Accredited Investor, Will the Commission Listen?

Last month, the SEC Small Business Capital Formation Advisory Committee held a virtual meeting to discuss the definition of an Accredited Investor. For anyone viewing the meeting, it was clear that Committee members would like to make it easier for individuals to qualify as Accredited,… Read More

Crowdfunding is Now a Serious Way for Privately Held Businesses to Raise Serious Capital

One of the biggest challenges founders and CEOs of startups face is funding: courting angels and VCs, pitch decks, travel, and meetings, getting ghosted, negotiating and swallowing unreasonable terms, eroding control–all at the expense of actually running and growing the business. When you hear the… Read More

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