二八杠变牌技巧

最有看点的互联网金融门户

二八杠变牌技巧
全新的互联网金融模式国际资讯基于互联网平台的金融业务

在线二八杠:2018年菲律宾十大金融科技创企

全新的互联网金融模式国际资讯基于互联网平台的金融业务

2018年菲律宾十大金融科技创企

"创企十之八九不会成功",许多人都这么认为。而有些人却说成功就是90%的失败。过去几年间,Fintechnews写了许多关于菲律宾区块链和Fintech创企的文章,大多数都是介绍他们做什么。今天我们来探讨一下前10大当地创企的成就、当前状态、创新和未来计划。

Acudeen

"所有代币售完!"Acudeen Techologies Inc 团队6月10日周日在脸书上宣布。该公司ACU代币首次公开发行,募集了3500万美元。发行代币是为了将现存服务都代币化。这家两年的fintech创企承诺过将在近期披露更多ICO(首次代币发行)细节。此次代币在新加坡发行,面向全球。Acudeen是一家P2P票据交易平台,业务领域是应收账款融资,中小型企业可以在平台上将应收账款转换成现金,增加现金流。

Acudeen ICO 内容与科技战略官Russ Malangen说,他们现在关注于成功研发和应用其'资产链平台'来为其新老客户提供更多价值。具体来说就是为该平台上的小微中企业提供更多流动性。"我们团队目前正研发下一代交易平台,即'资产链平台'。这是一个基于区块链的针对可移动资产(发票、库存、商标、仓库收据、实体产品之类)的"生态系统。

Acudeen旨在代币化其现有服务:用户可以使用其加密代币跨境购买发票而不用在银行那转换成美元,去除银行这个中介,用使用授权超级账本的经授权区块链?;す舅腥耸莅踩?。小微企业由此可以通过区块链技术使用该平台。

Appsolutely

Appsolutely创立于2013年,是一家数字客户忠诚度创企。在该公司去年2月的代币生成活动中,它售出了47.5亿个'忠诚币'。之后Appsolutely迎来了一系列后续发展。其数字资产'忠诚币'去年4月在Cryptoria加密货币交易所上线,6月6日上线CoinMarketCap。1644种加密货币中,'忠诚币'排名第270,是CoinMarketCap上排名前20的加密币。Appsolutely还缔结了许多合作关系。本地航空公司Cebu Pacific将其GetGo生活方式积分项目和'忠诚币'绑定。Appsolutely又与True Money达成金钱转账合作,之后与7-11达成合作,'忠诚币'用户可以使用他们的7-11奖励卡和app。

Ayannah

海外扩张是金融科技创企Ayannah的主要目标。该公司正处于成长期,主要面向海外菲律宾工作人员。其平台Sendah、Sendah Direct和Sendah Remit提供数字汇款、支付和商业解决方案。

该公司称在社交和移动网络上已经推出并运行了一系列创新型数字金融服务,涵盖支付、商贸和分析,支持了数百万笔在线和移动交易。

Ayannah CEO Mikko Perez?在最近一次采访中披露,该公司7月将进入印尼市场,年底前进入越南。Ayannah还计划今年增加代理人到3万名,因为越来越多的菲律宾人使用科技进行支付、汇款和其他金钱交易。

Perez说Ayannah的交易量自去年在香港赢得FF17(Fintech Finals 2017)最佳金融科技初创公司奖后交易了翻了一番多并和许多新伙伴推出了产品。该公司也是谷歌Launchpad 加速器第五批几千名来自50个国家的报名公司中被评选为最佳成长期初创公司之一。Launchpad 加速器第五届于去年在旧金山谷歌开发者Launchpad 空间揭幕。这是一个6个月的项目,包括2周免费培训。

BloomSolutions Inc.

BloomSolutions Inc最近连续取得了不少新成绩,比如成功推出其资金服务app平台BloomX、首次代币发行BX8并获得菲央行颁布的虚拟货币执照。

BloomX的计划是让加密货币在亚洲更加易获得和更安全。BX8代币将是其新生态系统中的流通货币。Bloom在其关于BX8的白皮书中指出,BloomX为有执照的金钱服务公司(MSB)提供工具通过区块链技术和加密货币扩展他们的业务。

合格的app开发者将可以在其平台上提供满足特定某一域名上或区域中MSB需求的相关服务。

Bloom是在2015年10月由Israel Keys and Luis Buenaventura创立。他们强烈倡导在传统行业中使用区块链和加密货币,目标是为发展中国家没有得到充分服务的团体提供可负??煽康慕鹑诜?。

Keys说该公司成功减少了数千名海外菲律宾工作者的汇款成本。"我们使用加密货币作为金钱转账运营商的结算机制,自我们成立以来已助力1亿2500万美元的交易。"

Coins.ph

Coins.ph是一家数字钱包和移动支付app公司,成立4年来,其基于区块链的平台用户达500多万。该公司创始人兼CEO Ron Hose说几百万的用户使用他们的网络和移动aoo获得了各式金融服务,包括买东西、付账单、充值beep卡、购买数字货币等。所有这些无需银行账户。

Coins.ph最近开始使用其他区块链生态系统,帮助其用户获得更多金融服务。现在该平台支持以太坊、Bitcoin Cash,为的是支持更低成本的基于区块链的支付。

FINTQ

FINTQnologies Corp (FINTQ)是PLDT领导的Voyager Innovations旗下的金融科技业务。(FINTQ)是唯一一家宣称是"菲律宾最大金融科技公司"的公司。它有各式数字银行和金融服务平台,包括借贷、债券、微型储蓄、微型投资、保险、支付、微型贷款和虚拟银行等。

Voyager在2016年6月成立了FINTQ,关注非支付服务。Lendr是后者的数字借贷平台(是一个交易平台还是特定银行的白标)还是其市场交易平台品牌的名字(消费者见到的名字)。FINTQ现在与100多家银行和非银行金融机构有往来。 Lendr 在2018年第一季度的用户注册数出现了爆发式增长,平台处理的贷款发放量实现双位数增长。自成立后,该平台登记发放的贷款总额达300多亿菲律宾比索。Lendr贷款复合年增长率高达60%多,贷款组成主要是工资、个人、微金融、小微中企业和农业贷款。

FINTQ的金融包容性项目KasamaKA在最近举行的亚洲负责人企业大赏2018中获得社会赋权类目奖项,共同获奖的还有来自其他10个亚洲国家的企业。FINTQ是首个也是唯一一个东南亚公司在此类目中获奖。KasamaKA 是一个草根、自助、自下而上并基于数字的社会干预项目,加快金融知识普及和包容性增长。项目为无银行服务或未收到充分服务的菲律宾人提供数字借贷和微型保险服务。与合作伙伴一起,KasamaKA还会提供微型储蓄、微型投资、另类信用评分、电子KYC和农场到市场的数字农业价值链平台,该平台将命名为'加速增长和乡村包容性'。

Salarium

Salarium是一家支付方式公司,其最近首次代币(SALPay)发行募集了1350万美元。它新推出区块链汇款服务,帮助跨国公司向境外员工支付公司。SALPay 为公司提供自动计时和工资账单解决方式,辅以数字钱包和万事达借记卡。Salarium一些用户用SALPay代币从菲律宾外向SALPay生态系统汇资金。SALPay公司用户包括500多家公司,员工总是超1万。Salarium最近有了新借贷合作方EZ888和 Perajet Philippines。不到一个月,Salarium就与5月加入其平台的 Perajet 共同发出的第100个简易贷款。

Satoshi Citadel Industries

去年5月4日,Satoshi Citadel Industries (SCI)迎来了公司成立的第四个年头。目前这家企业在本地科技界处于领先地位,颇受认可。

SCI 于去年 6 月 8 日和其他几家领头企业获得了菲律宾 2018 年最佳品牌奖最佳技术公司奖,该奖项由银联主席 Justo Ortiz 颁发。

作为一家金融科技公司,SCI 支持菲律宾的区块链开发。它创建并投资区块链业务,旨在充分发挥区块链在全国的潜力。

作为一家区块链公司,SCI支持菲律宾国内区块链发展。它创建并投资区块链公司,目标是发挥区块链的全部潜力。SCI是Rebit.ph, Buybitcoin.ph, Bitmarket.ph, Prepaidbitcoin.ph, Bitbit.cash, Keza,和 Lifebit的控股公司。

去年5月 24日,SCI与共同工作空间Acceler8合作正式退出了'区块链PH空间'以支持并加速当地区块链生态系统发展。Acceler8合伙人Peter Lng说他们的目标是"为菲律宾和其他地区的区块链公司提供教育、加速和发展的软着陆服务。"

Sprout Solutions

Sprout Solutions 是一家总部位于菲律宾的人力资源和薪酬系统初创公司。该公司也在扩张,最近通过 Kickstart Ventures、Wavemaker Partners、Beenext 和一名私人投资者领导的一轮种子轮募集了 160 万美元。

Sprout 利用这笔资金拓展其面向企业级公司的人工智能产品。

Sprout 于 2015 年由夫妻 Patrick 和 Alex Gentry 共同创立,目前共有 200 多个客户,其中包括菲律宾最大的公司。

Qwikwire

Qwikwire 的现状与它的名字相契合,进展迅速,无论是在获得资金支持、行业认可和业务扩张方面。

其跨境开票和发票平台将菲律宾企业与本国无法提供的国际银行设施连接起来。

Qwikwire 专门为房地产开发商和银行提供解决方案,提供识别、跟踪和管理客户付款的工具。

Qwikwire去年2月募集了其"最大"一轮资金,但未公布数目。该轮募资由First Asia Venture Capital和Cerebro Labs领导,美国、日本和其他房地产行业投资人参与。该创企希望ICO募集900万美元。最近Qwikwire推出了其首个基于区块链的平台,旨在让地产开放商能够向国际买家售卖地产。

去年6月6日,Qwikwire被菲律宾IT和商业流程协会 (IBPAP)选中参加第二轮"起飞"项目,同时被选中的还有另9家。该项目目标是支持本土创企,支持他们的服务,将它们对接到正确的网络中。Qwikwire 去年7月赢得了Ignite PH 竞赛。

"Nine out of 10 startups fail” is a popular buzz phrase accepted by many as plain and simple truth, while some even say success is 99 per cent failure. For the past few years, Fintechnews has featured numerous startups in the Philippines engaged in fintech and blockchain and they were mostly about what they are. In this latest top 10 local fintech startups, it features some of those startups focusing on their achievements, present status, new innovations, and future plans.

Here we go:

Acudeen

“All tokens have been sold!” The Acudeen Technologies Inc team made this announcement on Sunday, June 10 on Facebook, referring to the freshly concluded public sale of its ACU token, raising $35 million. It is designed tokenizing many of the company’s existing services. The two-year-old fintech startup promised to give more details of its ICO (initial coin offering) in the next few days. The token sale was based in Singapore and was global. Acudeen is into receivable financing, a P2P (peer-to-peer) invoice marketplace that allows SMEs to convert their unclaimed receivables for cash to boost their cash flow.

In an interaction with Fintechnews, Acudeen ICO Content & Technology Strategist Russ Malangen, said they’re now focusing on the successful development and implementation of its AssetChain Platform to deliver more value to its client base, both old and new. Specifically, this is to help provide liquidity to every micro, small and medium sized business through the platform.

“The team is currently developing the next iteration of its marketplace, the AssetChain Platform. It is a blockchain-based ecosystem for movable assets (invoices, inventory, trademark, warehouse receipts, physical products and the like) which allows cross-border P2P transactions to occur on the Acudeen Marketplace, thereby increasing the scope of our mission of providing financial inclusion to emerging markets in the SEA region,” Malangen said.

The multi-awared company aims tokenizing its existing services, like: giving ability to use CryptoFIAT to purchase invoices across different countries without having to convert to USD in banks as an intermediary, gain security for business owners’ data using a permissioned blockchain designed with hyperledger, enabling micro enterprises to utilize Acudeen platform via blockchain technology, among many others.

Appsolutely

Digital customer loyalty startup Appsolutely, which began in 2013, has surpassed a series of milestones in the past few months. Since it sold out over 4.750 billion of LoyalCoin (LYL) tokens in its TGE or token generation event last February, a chain of business developments followed suit. Appsolutely’s digital asset LoyalCoin was listed on the Cryptoria cryptocurrency exchange last April, and CoinMarketCap on June 6. Out of 1,644 cryptocurrencies, LoyalCoin ranked 270, which means it belonged to CoinMarketCap’s Top 20 per cent of listed cryptos. Appsolutely also signed a string of business partnerships. Local airline firm Cebu Pacific tapped Appsolutely to connect its GetGo lifestyle rewards program to LoyalCoin, followed by a money transfer tie up with True Money, and then partnership with 7-Eleven to allow LoyalCoin users to load their 7-Eleven CLiQQ Rewards card and app.

Ayannah

Overseas expansion is the main target of growth-stage fintech startup Ayannah, which caters mostly to OFWs (overseas Filipino workers) by offering digital remittances, payments and business solutions through its own platforms: Sendah, Sendah Direct, and Sendah Remit.

The company claims to have built and operate a stack of innovative digital financial services from payments, commerce and analytics on the social and mobile web, and likewise enabled millions of online and mobile transactions.

Ayannah CEO Mikko Perez disclosed in a recent interview? that the company would enter Indonesia by July and Vietnam by the end of the year. Ayannah also plans to triple its pool of agents to 30,000 this year, as more Filipinos tap technology for payments, remittances and other money transactions.

Perez said Ayannah’s transaction volume has more than doubled, and has launched its products with many new partners since winning the FF17 (Fintech Finals 2017) pitch last year in Hong Kong. Ayannah was also included among the top growth-stage startups selected from thousands of applicants, from 50 different countries that participated in Google’s 5th class of Launchpad Accelerator that kicked off last January at the Google Developers Launchpad Space in San Francisco, which also included two weeks of all-expense-paid training, as part of the the full 6-month program.

BloomSolutions Inc

Like connecting a three-punch combination in a boxing match, BloomSolutions Inc have done simultaneous company achievements lately, such as the successful launch of its money services app platform BloomX, the unveiling of its initial coin offering (ICO) called BX8, and receiving a virtual currency (VC) license from the Bangko Sentral ng Pilipinas.

The vision for BloomX is to make cryptocurrencies more accessible and safer in Asia, while the BX8 token is meant to power the services in the company’s new ecosystem. Bloom noted in its whitepaper on BX8 that BloomX offers a suite of tools that will allow licensed money service businesses (MSBs) to extend their businesses with blockchain technology and cryptocurrencies. Qualified app developers will be able to offer relevant services on the platform that solve specific MSB needs in a given domain or locale.

Founded in October 2015 by Israel Keys and Luis Buenaventura, Bloom has strongly advocated for the use of blockchain and cryptocurrencies in traditional industries in its mission to bring affordable, reliable financial services to underserved communities in the developing world.

Keys noted the company has been successful at reducing the cost of remittances for thousands of migrant Filipinos all over the world. “We’ve accomplished this by using cryptocurrencies as a settlement mechanism for Money Transfer Operators (MTOs), and have powered over $125 million in transactions since our inception.”

Coins.ph

Coins.ph also proved that fintech stands on solid ground in the Philippines as the digital wallet and mobile payments app company announced last May 30 of reaching over five million customers on its blockchain-powered platform in the four years since its founding.

Coins.ph founder and CEO Ron Hose claimed that millions of its customers have already used their web and mobile apps to access a wide array of financial services including buying load, paying bills, topping up their beep card, and purchasing digital currencies, all without needing a bank account.

“Blockchain technology has played an important role in facilitating the rapid growth of the company, with many of its customers using Coins.ph’s platform as a fast, affordable way to send cross-border payments made possible due to its use of fast, low cost Blockchain settlements,” Hose said.

Coins.ph started to use other blockchain ecosystems recently to further make customers benefit from a wide variety of fintech services. It now supports Ethereum (ETH), and Bitcoin Cash (BCH), in an effort to support lower cost blockchain based payments.

FINTQ

FINTQnologies Corp (FINTQ), the fintech arm of PLDT-led Voyager Innovations, is the only company that claims to be the “largest fintech business in the Philippines” with diverse digital banking and finance portfolio of platforms including lending, security, micro-savings, micro-investments, insurance, disbursements, micro-credit and virtual banking, among others.

Voyager formed FINTQ in June 2016 for non-payment services and Lendr became its digital lending platform (for both marketplace and also for specific banks as white labeled) and also name of the marketplace brand (that consumers see). FINTQ is now engaged with more than 100 bank and non-bank institutions. Lendr reported an exponential growth of registers in the first quarter of 2018, realizing a double-digit growth of loans disbursements processed through the platform, which brings the total volume of loans booked and released through the platform to over P30 billion since it was launched in 2015. Lendr has posted over 60 per cent compounded annual growth rate in loans booked. Lendr’s total loan portfolio mainly comprised of salary, personal, microfinance, mSME, and agricultural loans.

FINTQ’s financial inclusion program KasamaKA became one of the winners from 11 Asian countries for the Social Empowerment Category at the recently held Asia Responsible Enterprise Awards 2018 (AREA 2018). FINTQ is the first and only technology firm from Southeast Asia to receive an award for such category. KasamaKA is a grassroots-based, self-help, bottom-up digital-enabled social intervention to accelerate financial literacy and inclusive growth. It champions sachet financial services for unbanked and underserved Filipinos through platforms and services for digital lending and microinsurance. With partners, it will also make available microsavings, microinvestments, alternative credit scoring, eKYC, and a farm-to-marketplace digital agricultural value chain platform called Accelerated Growth and Rural Inclusion or AGRI.

Salarium

Payment solutions firm Salarium is reaping the benefits of its recently concluded ICO raising $13.5 million in the sale of its SALPay token. It added a blockchain remittance service to help multi-national businesses pay employees across borders. SALPay provides companies with automated timekeeping and payroll solutions combined with an e-wallet and debit Mastercard. Some of Salarium’s clients use SALpay tokens to remit funds into the SALPay ecosystem from outside the Philippines. SALPay corporate users represent over 500 companies and more than 10,000 employees. Salarium lately also had new lending partners EZ888, and Perajet Philippines. In less than a month, Salarium celebrated its first 100 Easy Loans with Perajet that joined Salarium’s platform in May.

Satoshi Citadel Industries

Satoshi Citadel Industries (SCI) celebrated its 4th year as a fintech company last May 4 and has maintained its prominence in the local technology space even as it continues to gain recognition in the industry. SCI last June 8 received an award from the Philippines Best Brand Awards 2018 as Best Technology Company, along with some of the best brands in the country, and presented by Unionbank Chairman Justo Ortiz.

“Four years ago, we started SCI by diving headfirst into unknown territory, using the nascent technology behind Bitcoin, now popularly known as Blockchain Technology today. We humbly receive this award on behalf of the whole SCI team, now 60-strong and growing, and look forward to continuing to lead the growth of this industry and making the Philippines a global Blockchain powerhouse,” said SCI co-founder Miguel Cuneta.

SCI as a fintech company supports blockchain development in the Philippines. It creates and invests in blockchain businesses with the aim to realize the full potential of the blockchain in the country. SCI is the holdings company for Rebit.ph, Buybitcoin.ph, Bitmarket.ph, Prepaidbitcoin.ph, Bitbit.cash, Keza, and Lifebit.

Last May 24, in partnership with co-working space Acceler8, SCI formally launched the BlockchainSpace PH to support and accelerate the local blockchain ecosystem. As Acceler8 partner Peter Lng puts it, the goal is “to provide a soft landing service to educate, accelerate and grow blockchain companies and communities in the Philippines and beyond.”

Sprout Solutions

Business expansion is also the direction being taken by Sprout Solutions, a Philippine-based HR and payroll systems startup that recently raised $1.6 million in a seed round led by Kickstart Ventures, along with Wavemaker Partners, Beenext, and one private investor. Sprout is using the proceeds to further expand its artificial intelligence (AI) products for enterprise-level companies. Co-founded in 2015 by husband and wife Patrick and Alex Gentry, Sprout bootstrapped its way to more than 200 clients, including some of the largest ones in the Philippines.

Qwikwire

Qwikwire’s present status rhymes with its name making progress in quick fashion be it in getting financial backing, industry recognitions, and doing business expansions. Its cross-border billing and invoicing platform connects enterprises in the Philippines to international banking facilities not available in their own countries. Qwikwire specializes in providing solutions for property developers and banks with tools to identify, trace, and manage payments from clients. The 500 Startups-backed company also caters to several BPOs.

Qwikwire last February raised its “biggest” but undisclosed funding round led by First Asia Venture Capital, and Cerebro Labs, which was also participated in by investors from the US and Japan, and others engaged in real estate business. The startup is looking to raise $9 million in an ICO. It has recently launched AQwire, the first blockchain-powered platform designed to enable property developers sell properties to international buyers.

Only last June 6, Qwikwire was chosen among the 10 startups to participate in the second batch of the “Takeoff” program by the IT and Business Process Association of the Philippines (IBPAP). The goal is to help local startups by supporting their services and connecting them to the right network. Qwikwire was the winner of the Ignite PH pitch competition last July.


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