CommonBond now offers direct student loans alongside debt refinancing

 CommonBond, one of the biggest of the second generation of startups tackling online lending, has launched a direct student loan product as it expands its footprint in the debt business. The company is known for its strict qualification requirements for refinancing packages and with an initial focus on the high end of student lending (servicing only 20 — mostly ivy league —… Read More

Powered by WPeMatico

Крупная китайская платформа P2P-кредитования перейдет на блокчейн

Китайский гигант P2P-кредитования Dianrong планирует интегрировать технологию блокчейн в большинство своих сервисов. Об этом сообщает CoinDesk.

“Мы интегрируем технологию блокчейн в сервисы нашей платформы с целью повышения их прозрачности и безопасности для наших заемщиков и кредиторов”, — сказал менеджер компании Явен Цуй.

Явен Цуй не сообщил о технических подробностях интеграции блокчейна, однако на сайте Dianrong размещена информация о том, что компания разрабатывает многофункциональную платформу “D-Chain”, основанную на смарт-контрактах Ethereum.

“Блокчейн внесет революционные изменения в финансовую индустрию”, — добавил представитель Dianrong.

Согласно отчету Dianrong, выпущенному в январе 2017 года, компания четвертый год подряд демонстрирует рост объемов кредитования. Так, за прошлый год услугами платформы воспользовалось 3,62 млн инвесторов, а сумма займов, выданных им составила 16,2 млрд юаней ($2,35 млрд).

Ранее ForkLog сообщал о том, что FnConn, подразделение тайваньского гиганта Foxconn, совместно с сервисом кредитования Dianrong запустили блокчейн-платформу для управления цепями поставок.

Подписывайтесь на новости ForkLog в Facebook!

Powered by WPeMatico

AT&T запатентует платежное блокчейн-приложение для автомобилей

Ведомство по патентам и товарным знакам США (USPTO) опубликовало патентную заявку телекоммуникационной компании AT&T на блокчейн-приложение для интеграции криптовалютных платежей в транспортные средства. Об этом сообщает издание A Bit of News.

Как указано в заявке, поданной AT&T Mobility, подразделением американского телекоммуникационного гиганта, решение получило название “Автомобильная система, оснащенная средством генерации отчетов, и способы их использования”. В основе решения лежит концепция интеграции криптовалютных транзакций в транспортные средства. В частности, система способна при помощи датчиков осуществлять контроль над эксплуатацией транспортного средства, сигнализировать о необходимости его обслуживания, определять географическое местоположение и т. д.

“Решение предназначено для выполнения операций, включая формирование отчетов о характеристиках транспортного средства на основе сведений, сгенерированных в соответствии с криптовалютным протоколом”, — говорится в патентной заявке.

Блокчейн-платформа способна принимать микротранзакции, размер которых меняется в зависимости от того, что происходит во время поездки.

“Например, час движения по шоссе стоит всего $1, но ввиду неровностей, поврежденного дорожного знака или неисправного светофора эта сумма может менять свое значение», — поясняется в заявке.

Дополнительно система способна идентифицировать блокчейн-платежи, отделяя их от других методов цифровой оплаты. Среди поддерживаемых криптовалют в заявке упоминаются биткоин и Monero.

Ранее AT&T подала патентную заявку на сервер абонентов на основе блокчейна. Компания стремится повысить уровень безопасности сетей доставки мультимедиа через распределенные ноды, которые хранят и передают информацию.

Также ForkLog сообщал о том, что предприниматель из РФ Иван Пекшев анонсировал создание цифровой автомобильной платформы CarCoin. Миссией CarCoin является автомобильный рынок без посредников. Благодаря интеграции IoT с технологией блокчейн участники проекта смогут получать пассивный доход от использования автомобиля по принципу «earn as you drive». Использовать накопленные токены владелец авто сможет по своему усмотрению: оплачивать сервисы платформы, покупать товары и услуги или обменивать их на бирже.

Подписывайтесь на новости ForkLog в Twitter!

Powered by WPeMatico

Huddlestock Launches Innovative New Investment Platform

Huddlestock, an online platform that enables the public to create tailored investment portfolios, has gone live in the UK . The unique platform gives investors the tools and research only previously available to professional institutions such as investment funds and high net-worth individuals.

From left to right: Øyvind Hovland – Chairman, Murshid M. Ali – CEO, Michel van Tol – CIO & Nick Gains – CTO

The revolutionary financial platform was created by a team of entrepreneurs, hedge fund professionals and technologists focused on a single goal – to enable the masses to invest in the financial markets and reap the same benefits professional speculators have done for decades.

Huddlestock was born from a meeting between co-founders Chief Executive Officer Murshid M. Ali, the entrepreneur responsible for specialist advisory firm Norsaco, and Chief Investment Officer Michael Van Tol, who previously created an alpha capture system for the hedge fund industry.

After establishing the idea for a new investment platform, Oslo-based Huddlestock secured NOK 4m of investment funding from serial entrepreneur and Chairman Oyvind Hovland, which enabled the opening of an office at Level39, the fintech hub of Europe. A subsequent GBP 2.5m has since been raised.

Following the live launch, the intention is for Huddlestock to become a global entity via three trading hubs in major financial centres; London, New York and Hong Kong.

Murshid M. Ali said there are no barriers to using Huddlestock’s investment platform.

“The unique value proposition from Huddlestock is a new way of making money for strategy vendors and users. The financial industry has long kept the general public from the golden pot, restricting regular people from gaining access to better investments,” he said.

Huddlestock is currently trading in a closed beta environment with over 700 clients. The company continues to improve its offering in preparation for phase 2, which includes introducing ‘huddles’, which allows for collaboration between clients in the form of virtual funds, and a mobile app.

The platform combines alpha capture, a successful strategy used at numerous hedge funds, and crowd-trading, giving investors a transparent, flexible and innovative way of investing in the financial markets.

Even in a beta version Huddlestock has entered an agreement with its first institutional client, the Icelandic Pension Fund, Sparnaður, based in Reykjavik.

“That we’re being taken seriously by institutional clients is a big step forward for a small company like ours. It shows that our value proposal rings true and that fintech companies are being considered as viable alternatives to the incumbents. Together with Sparnaður we’ll be looking to setup the first huddles on the platform which will help them reach a global audience while directly benefiting their clients,” says Chief Investment Officer, Michel van Tol.

Huddlestock is building a strong community where people connect and find investment ideas that suit them best. The strategy vendors make suggestions, but the users have freedom of choice.

Background information on Huddlestock:

Huddlestock is a financial technology company based in London, United Kingdom and Oslo, Norway. We aim to reconfigure the entire investment management industry in a way that allows everyone, worldwide, to benefit.

Our platform allows for crowd investing whereby everyone can receive great investment ideas, collaborate in making decisions and even set-up their own funds in a simple, intuitive and transparent framework.

By intelligently pooling investments, users collectively get the same benefits, such as lower costs and access to better research, usually reserved for investment funds and other sophisticated investors. Hedge funds, investment banks, research houses, family offices and financial services boutiques supply a stream of high-quality investment ideas into our system that all users can tap into.

The strategists are compensated for the quality of their ideas, with Huddlestock providing the bridge end-users need to access investment insight. At Huddlestock, we believe that it is high-time that the investment management industry is democratised.

Background information on SPARNADUR:

SPARNADUR is an advice firm that has set itself the goal of increasing competition in financial markets with innovative advice, thoughts and solutions for individuals. Householding’s advice and insurance consulting plays a major role of the company.

SPARNADUR – is a revolution in financial services and offers new ways of consulting individuals the most effective methods to pay down debt and increase asset and financial security of clients. The company’s service analyzes each debt combination for every individual with it’s mathematical tools.

The post Huddlestock Launches Innovative New Investment Platform appeared first on The Fintech Times.

Powered by WPeMatico

APEXX wins fintech start-up award and sets sights on disrupting global payments

A new fintech start-up with its sights set on disrupting the global payments market has won the ‘Cross-border payments’ category of the Innovate Finance Pitch360 competition. APEXX beat a field of other start-ups to win the award in front of an audience of more than 800 investors and industry experts at London’s Guildhall.

APEXX is on a mission to improve the way cross-border payments are made, in order to save merchants money and improve the experience of their customers. The global B2C cross-border e-commerce market will reach $1 trillion in 2020, according to a report from global consulting firm Accenture. Yet, poor checkout experiences means e-commerce businesses risk losing millions of potential customers at the point when they try to checkout. Consumers often find checkout processes slow, frustrating and cumbersome.

To address this, APEXX’s platform lets merchants access a single marketplace of all available payment provider and acquirers, as well as a simple way to integrate with their technology. This makes it easier to offer checkout options that will appeal to customers. Multiple acquirers can be used, and APEXX routes customer transactions through the acquirer most likely to convert the sale.

Merchants can also use APEXX to compare costs and get expert advice on the payment providers around the world that will best suit their needs.

Rodney Bain, founder and deputy CEO at APEXX Fintech, said, “We’re delighted to pick up this award as we approach the point where we formally launch APEXX into the market. We believe we have a chance to improve the consumer experience of payments on any merchant site and we’re looking forward to announcing our first major customers in the coming weeks.”

Every year, merchants pay acquirers millions of pounds to process credit or debit card payments and alternative payments. There are thousands of options open to them – finding the right partner can be a pain, especially for growing e-commerce businesses that are expanding around the world and quickly need multiple acquirers.

Bain concludes, “It’s perhaps unsurprising that once a merchant selects an acquirer, rarely do they then change that provider. This status quo sometimes hampers competition – why innovate if no one jumps ship? We believe APEXX will  introduce more competition by making it easier for merchants to find and quickly switch between payment providers.

 

 

The post APEXX wins fintech start-up award and sets sights on disrupting global payments appeared first on The Fintech Times.

Powered by WPeMatico