Opinion

Editorial opinions and perspective on Fintech.

JOBS Act 4.0: Improving the Regulatory Environment for Entrepreneurial Capital Formation

Washington DC the Capital Reflection

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. But… Read More

Terra Stops/Starts Validators Again, LUNA Goes to Zero with TerraUSD Chasing it

Sleep Out Done Collapse Unconcious

The collapse of TerraUSD (UST), an attempt to create an algorithmic stablecoin, and the demise of LUNA has captured the attention of the entire crypto-sphere. Going from billions to almost nothing is a spectacular event. Inevitably there is a pile on of “I told you… Read More

Steve Ehrlich, CEO of Voyager Digital, Comments on Collapsing Crypto & Stock Markets. When Will the Pain End?

Broken BitcoinJPG

The past few weeks have been tough for investors. Both traditional markets and crypto markets have been battered. Expectations for much higher interest rates, aiming to mitigate crushing inflation, means the pain is here to stay – at least for a while. Regarding stock markets,… Read More

The Sky is Falling: UST Craters, Crypto Insiders Respond to “Death Spiral”

Train Wreck Demise Collapse Disaster

TerraUSD (UST) has lost its status as a stablecoin as it is now trading at $0.40 $0.35 having dropped to as low as $0.30 in the last 24 hours. UST’s collapse is the hottest story in crypto land as it was, until recently, touted as… Read More

All in on Crypto Enforcement: SEC Beefs Up Crypto Asset and Cyber Unit to Target Digital Asset Transgressions

Boom Exploision Danger Warning

Announced last week, the Securities and Exchange Commission (SEC) revealed its intent to step up its crypto enforcement actions with a newly renamed Crypto Assets and Cyber Unit doubling its headcount. The SEC outlined its reinvigorated mission as targeting digital asset offerings, crypto exchanges, lending… Read More

Commissioner Hester Peirce Questions Why SEC is Leading with Crypto Enforcement

Hester Peirce

Last week it was reported that the Securities and Exchange Commission (SEC) was doubling the size of its crypto enforcement team. The SEC also revealed that it had rebranded its Cyber Unit to the Crypto Assets and Cyber Unit to reflect its additional focus on… Read More

OurCrowd Sees Silver Lining During Challenging Market in the World of Global VC Investments

Beach Surfing Sand Tel Aviv Israel

COVID, war, inflation, rising interest rates … the global economy is being hammered from multiple directions right now. After years of calm sailing, a global pandemic marked a dramatic change in markets that have endured a growing list of geopolitical and economic challenges. Like all… Read More

SEC Climate Risk Disclosure: What are People Saying About Proposed Rules?

Florida Sunset Beach Palm Trees Sun

This past March, Chairman Gary Gensler announced the Securities and Exchange Commission was aiming to require disclosure on climate impact for registered firms. The Fact Sheet may be viewed here. Climate-related information would be required in firms’ registration statements and annual reports, including information about… Read More

SPAC Market Cools in 2022, Meanwhile the SEC Has Proposed New Rules that May Undermine SPACs Further

Securities and Exchange Commission SEC Stop

Last year was a big one for the SPAC [special purpose acquisition company] market. Reportedly, 613 SPAC offerings were floated on an exchange easily topping 420 traditional initial public offerings. Since the beginning of 2022, SPAC offerings have slowed to around 62 so far. SPACs… Read More

UK’s Blend Network CEO Yann Murciano Shares Insights on Streamlining Business Processes

Azrieli Center Tel Aviv Israel

Blend Network CEO Yann Murciano has discussed the challenges of building a property “power team.” Yann recently focused on the “all-important” challenge of simplifying and streamlining “overly time-consuming processes and operations.” When speaking with property developers, one of the “most common” complaints that Blend Network… Read More

Securities and Finance Experts Worry that SEC’s ESG Requirements will Drive Shareholder Returns Lower, Push Prices Higher and Have a Negative Impact on Labor

Monongahela Power Plant

The Securities and Exchange Commission is currently pursuing new rules under the auspices of ESG: Environmental, Social, and Governance. In March of 2022, SEC Chairman Gary Gensler explained they were aiming to require disclosure for firms on issues such as climate impact. He explained: “The… Read More

While Donations Have Slowed, Crypto Continues to Flow to Ukraine’s Request for Aid

kiev Ukraine robert anasch unsplash

Crypto donations from around the world have aided both the Ukraine government as well as certain private firms like digital news sites covering the ongoing war with Russia. Crypto transfers can be low-cost and moved quickly (depending on the digital asset) and charitable transfers to… Read More

Dead Cat Bounce? After Hitting New Low Shares in Robinhood Turn Green

Escalator Airport Down Tunnel Decline 2

Robinhood (NASDAQ:HOOD) reported earnings this week and they were dismal. Besides negative numbers on both the top and bottom lines, Robinhood reported that Monthly Active Users (MAUs) dropped by a whopping 10% going from 15.9 million in March 2022 from 17.7 million in March 2021…. Read More

“Hatchet Job” : Times Article Rips Future Fund COVID Support Scheme for Startups

Charles Darwin Money Pound England UK

This week the Times published an article on the Future Fund and its performance, slamming it for “over 30 failures.” Managed by the British Business Bank, the Future Fund was one of several COVID support programs designed to backstop firms impacted by the pandemic. The… Read More

Deal Quality: Investing in Crowdfunded Securities – What You Need to Know

Money Cash Computer 5

    A couple of weeks back, CI held a webinar with two investment platforms, Rialto Markets and Republic,  which both sell securities online. The topic of discussion was deal quality and the different types of securities issuers pitch when pursuing an investment crowdfunding offering…. Read More

The Definition of “Exchange” and Regulation ATS: Comments on the Proposed Rule Change by SEC and the Impact to Digital Asset Markets

NYSE Digital Markets Wall Street New York City Decentralize

As was noted last week, this past January the Securities and Exchange Commission (SEC) proposed amendments to the Exchange Act and the definition of an Exchange as well as Regulation ATS (Alternative Trading System). While described in relatively benign terms, the language of the proposed… Read More

Marcus New: CEO at Pre-IPO Marketplace InvestX Reveals Why Many Private Companies Are Avoiding Going Public

Pause Coins Money Red

We recently caught up with Marcus New, CEO and Founder of pre-IPO marketplace InvestX. InvestX delivers access, liquidity, and innovation to the private equity asset class via investments in late-stage private equity on a  trading platform, InvestX GEM. InvestX aims to empower broker-dealers and advisors… Read More

High Powered Digital Asset, Blockchain Leaders Comment on SEC’s Proposed Rule Changes Impacting ATSs, Definition of Exchanges

US Capitol Washington DC Stop Go

In late January, the Securities and Exchange Commission (SEC) proposed amendments to the Exchange Act and the definition of an Exchange as well as Regulation ATS (Alternative Trading System). The proposal was opened to comments with a deadline of this week (April 18). The SEC… Read More

Fast-Evolving Fintech Sector Poses Significant Challenge for Regulators: Report

Chess Enigma Problem Strategy

Tech sometimes moves at “a dizzying pace.” When it comes to innovation in financial activities, often referred to as Fintech, the world is “seeing major advances,” according to an update from the IMF. For banks, Fintech “disrupts” core financial services and “pushes them to innovate… Read More

Wealth Managers Risk Failing Investors on ESG Suitability Technology: Report

Wheels Fall Of Wreck Clunker Dud Failure Collapse

Technology is too often a “blindfold” when it should be a “microscope,” Oxford Risk has warned. Wealth managers or advisers risk failing investors on suitability “by not using technology appropriately to measure ESG preferences and being caught up in the ‘green rush’,” according to behavioral… Read More

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