最有看点的互联网金融门户

最有看点的互联网金融门户
国际资讯

[未央翻译]Fintech国际资讯周报|2017年第24周

美国银行联合推出新型P2P服务Zelle

近日,多达三十家美国银行和信用社宣布将推出一种称为Zelle的新型统一P2P服务。美国银行多年来一直推动着更加集成的P2P框架,而Zelle的推出将有效地取代美国银行的现有努力。随着在美国的其他团体诸如Square,Venmo和Apple Pay等P2P领域取得成功,Zelle的推出将会对目前的格局形成一定的威胁,并可能成为银行业领域的主导服务。

据悉,Zelle也将与国际支付机构Visa和Mastercard建立合作伙伴关系,扩大用户群体。 P2P服务几乎不是一个新的结构。目前,Zelle网络上的银行已经处理了超过5100万笔交易,在2017年第一季度总共达到了160亿美元。

丹麦加密货币去中心化交易平台Openledger获160万美元种子轮融资

近日,丹麦加密货币去中心化交易平台OpenledGEr宣布获得160万美元种子轮融资,投资方包括一批来自中国、美国和欧洲的投资人。此外,Openledger还宣布,已和中国第一条公有区块链维优(ViewFin)达成了合作伙伴关系,Openledger的官方数字货币OBITS也已经登录了两家中国比特币交易平台。另一方面,Openledger正在将中国数字货币首次公开发行(ICO)及其代币引入到Openledger去中心化交易平台上。

Openledger允许用户将比特币兑换成法币锚定的 SmartCoins,SmartCoins可以直接通过Paypal、瑞波网关以及CCEDK的NanoCArd兑换成现金。另外,Openledger还是一个集合了8家来自不同国家的交易平台的多语种Fintech交易平台。

区块链项目Bancor筹资1.53亿美元 创下数字货币融资最高纪录

近日,区块链项目Bancor创下了一项行业纪录,它通过首次数字货币发行(ICO)的方式,筹集了价值约1.53亿美元的以太币。在本次货币发行中,Bancor发行了将近8000万的BNT(Bancor network token),该货币持有量最高者拥有6600万BNT,占总量的83.96%。这8000万BNT中有一半将被出售到市场中,剩余一半留作备用。剩余的资金将被用于寻求合作、社区拨款、公众奖励和项目咨询等。

这次ICO吸引了1万多名买家,目前已经收到了1.5万笔交易申请。甚至有一位买家申请购买690万BNT,价值约2700万美元。Bprotocol Foundation于2017年推出了Bancor项目,声称该平台就是要让用户更轻松地发行自己的区块链货币。该公司表示,剩余的资金将被用于寻求合作、社区拨款、公众奖励和项目咨询等。

宜家联手第三方电商亚马逊 开拓线上销售渠道

瑞典家居零售商宜家与第三方电商亚马逊达成合作,将在该电商平台上售卖宜家书柜、灯泡、购物袋。据悉,过去两年里,宜家集团一直把重点放在对零售业务的控制上,希望通过全力关注零售业态的变革来保住自己领先的市场地位。在此之前,宜家虽然已在世界多个地区展开了电商业务,但都只是在自己的官网,而从未通过另一家公司来出售自己的产品。最近,公司又进行了重组,零售部门获得了更大的自由度。为了适应新的购物趋势,宜家还尝试推出新的小型连锁店,并在实体店与在线购物一体化的问题上加大投入力度。

美国学生贷巨头SoFi正式申请专项银行牌照

近日,以学生贷起家的SoFi 通过FDIC 正式递交了美国行业银行的专项牌照申请。首席执行官卡格尼(Mike Cagney)表示,SoFi 将在美国犹他州设立SoFi 银行,但不会有实体分支或ATM自动存取款机,银行服务将完全数字化和在线化,初始受众是目前或潜在的SoFi借款人和投资者。

今年2月, SoFi 宣布从Silver Lake Partners 募集5亿美元股权融资,并且以一笔约1亿美元的交易收购了移动银行创业公司Zenbanx布局相关银行业务,包括借记、支付、转账等服务。SoFi曾表示,通过将银行业务与贷款产品相结合,SoFi 可以给账户设置了自动付款的用户提供折扣优惠。成功申请银行执照后,SoFi 还将发行信用卡,可能会建立一个回馈体系来帮助用户支付学生贷款。

英格兰银行考虑发行官方数字货币

英格兰银行出纳总管Victoria Cleland女士12日在伦敦发表演讲。Cleland说,如今非货币式的交易越来越受欢迎,英格兰也在考虑是否要发行一种官方数字货币,但是具体实现仍需长期计划。目前,英格兰银行仅为银行和其他金融机构提供电子账户,普通民众只能持有本银行现金账户。若数字货币发行能够惠及至普通民众个人,那么他们除了现金支付还可以通过在英格兰银行的电子账户实现储值与支付。

据统计,在日常支付时每20个英国成年人中仅有一个完全依靠现金支付。在这种情况下,Cleland女士谨告现金行业要谦虚,对于新兴的支付方式做出迅速回应,保持价格的竞争力,并且要不断创新。

比特币突破3000美元大关后暴跌 高盛报告称存在做空机会

鉴于比特币市场的关注度日益提升,国际大投行高盛开始覆盖比特币研究,并在日前发布了首份针对比特币的技术分析报告。高盛首席技术分析师谢巴·贾法尔在报告中表示,目前比特币走势趋于平衡的信号较为强烈,投资者应警惕在短期内高于3134美元,并建议投资者在1915-2330美元附近时可考虑重建看涨趋势。并称,"从图形面来看,如今是非常好的做空机会"。

6月12日,比特币攀至人民币20000元关口,盘中最高达到22006元。同时,比特币兑美元也攀至3000美元关口,最高升至3041美元。比特币录得暴涨之后,随即开启暴跌,最高跌幅达到了近15%。14日比特币的最新价格在2900美元附近。

银联云闪付二维码支付境外率先落地香港、新加坡

继银联推出云闪付二维码支付后,银联国际近日宣布,这一服务率先在香港和新加坡迅速落地,首批开通的商家包括香港铜锣湾的3家美妆连锁店卡莱美(Colourmix)门店、新加坡怡丰城和滨海湾金融中心的2家面包新语(BreadTalk)。下一步,银联云闪付二维码支付还将在泰国、印尼、澳洲等中国游客经常到访之处陆续推出。

云闪付支持银联芯片卡、智能手机及可穿戴设备的NFC非接支付,已在港澳台、新加坡、马来西亚、澳大利亚、加拿大、俄罗斯、阿联酋等境外市场的近50万台POS终端实现受理,消费者可直接"挥"手机支付。随着云闪付的产品体系进一步丰富,全新推出的二维码支付成为NFC支付的有力补充,为不同支付习惯的消费者提供更多元化的创新产品。

加拿大人工智能创企Element AI获1.02亿美元A轮融资

加拿大人工智能创企Element AI日前获得1.02亿美元A轮融资,由Data Collective领投。该公司希望在Alphabet及亚马逊等互联网巨头大肆进军的情况下,抢占人工智能行业一片天地。

这家公司位于蒙特利尔,创始人当中有著名的人工智能先驱Yoshua Bengio,此前从多家风投公司处获得过投资,其中不乏Data Collective、微软风投、英特尔以及英伟达等行业巨头。Element计划用新一轮融资来扩大团队,今年底至现在的2倍(约200人),同时投资其他人工智能创企,吸收后者的技术以丰富自己的产品线。该公司拒绝透露目前的估值。Element的运营模式类似咨询公司,大型企业想要利用人工智能技术解决自己的问题时,Element会参与其大型项目的开发,比方说保险公司重新设计核保系统等。

英国电商网站 Farfetch 计划在纽约上市

近日,英国电商平台Farfetch 宣布将在18 个月之后公开发行股票,估值达到 50 亿美元。如果成功上市,Farfetch 会成为英国估值最高的创业公司之一。上周有知情人士透露:Farfetch正在与顾问进行会面,商讨其在纽约的上市事宜,最快将于明年年底实现。Farfetch将在接下来的几个月内任命顾问。公司尚未做最终的决定,抑或将上市延期至2018年。

Farfetch由前鞋履设计师Jose Neves创立,在今年5月于新加坡淡马锡集团及中国风险投资公司IDG处融得超过1.1亿美元。目前Farfetch的投资人包括中国的IDG、法国的Eurazeo、伦敦的Vitruvian Partners以及康泰纳仕集团。该公司是奢侈品零售店的在线市场,为小型零售商们联系更多的客户,并让那些小众、难以寻获的时装销售至世界各地。

印度两大电商Flipkart和Snapdeal达成合并协议

近日,印度第三大电商企业Snapdeal已与最大的电商Flipkart就合并事宜达成基本协议。合并完成后,软银计划取得新公司20%左右的股份。软银将通过与沙特阿拉伯共同设立的10万亿日元规模基金进行追加投资,计划确保在新合并公司中20%的出资比率。

日媒称,软银已与Flipkart股东eBay、微软、腾讯控股等进行了协商。今年4月,Flipkart宣布公司获得了来自腾讯、微软、eBay共14亿美元融资,融资之后,Flipkart的估值达到116亿美元。Flipkart和Snapdeal分别于2007年和2010年在印度开始提供网购服务。2013年,亚马逊开始进军印度市场,Snapdeal下滑至第三位。

印度移动支付公司Mobikwik开启1亿美元融资

印度支付平台MobiKwik欲以超过十亿美元估值,寻求1-1.5亿美元的融资,来对抗由阿里巴巴和软银投资的Paytm。该公司拒绝透露正在接洽的投资者,只说包括一个主要的战略投资者和一些金融机构。如果融资成功,MobiKwik将成为新的独角兽。

截至目前,Mobikwik 公司已经从红杉资本、斯克投资、美国运通、联发科和 Tree Line Asia 等投资机构那里募集到了约8000 万美元的投资。今年2月,该公司宣布计划投资30亿卢比以获取更多商户和用户。Mobikwik公司成立于2009年,目前拥有超过4500万用户,其支付网络内服务的商户数量超过100万家。预计到今年年底,该公司的用户量将达到1.5亿,受理商户数量将到500万。

普华永道:加密货币可以促进新经济发展,是区块链未来发展的补充

在《美国银行家》杂志(America Banker)的第四届《区块链+数字货币》活动的开幕仪式中,来自全球审计四巨头之一的普华永道(PwC)出人意料地对区块链的未来进行了详细的概述,进一步增加了最近来自各大企业主管对公有区块链应用的乐观声明。

面对300多位银行家和技术专家,Grainne McNamara表示,加密货币所实现的新型去中心化系统通过消除中间商层来变得更加简单。这可以帮助确保降低风险并且通过以不同的方式打开新的和不同的金融产品的可能性。McNamara认为目前的金融系统"非常复杂",相比之下,由加密货币推动的经济将降低目前被排除在外的人的进入壁垒,从而提高这些客户的全球竞争力。

美国伊利诺斯州为加密货币公司减负,数字货币可当作企业的净资产

伊利诺斯州金融与专业监管部(IDFPR)昨日宣布,最新完成的监管指导方针阐明了数字货币不属于该州的货币转移法案(TOMA)所定义的货币范畴。这次最终的宣布距离该机构最初向外界征求意见已经近6个月时间。

这份新的指导方针还澄清了通常被视为"货币转移"的活动,包括通过第三方交易所或者自动取款机将数字货币兑换成法币。凡是所经营的业务符合这些定义的数字货币企业都将需要获得一个TOMA许可证。其它的活动,如矿工因验证交易而获得的数字货币,数字货币之间进行的兑换,在这一范畴之外的两方进行的数字货币与法币兑换。

Zelle, the real-time Venmo competitor backed by over 30 U.S. banks, arrives this month

The U.S. banking industry's answer to Venmo has now arrived. Starting this month, a new, person-to-person payments network called Zelle will roll out to the over 86 million mobile banking customers here in the U.S., promising a faster form of digital payments compared with apps like PayPal, Venmo, Square Cash, and others. Instead of transfers taking place overnight or after a couple of days, Zelle users can move funds from one bank to another in a matter of minutes. Zelle, meanwhile, is meant to offer a simpler method - like today's popular payment apps, Zelle users only have to know information like a person's phone number or email. (Source: Techcrunch)

Denmark-based OpenLedger secures $1.6 million seed funding

OpenLedger Aps, based in Pandrup, Denmark, has received seed funding to the tune of 11 Million DKK ($1.6 Million USD) from a group of a group of Chinese, American and European investors, allowing four major projects managed by OpenLedger, namely eDEV.one (EDEV, JOYY), GetGame (REALITY), Apptrade (APPX), and OCASH (OCASH) to start immediate production.

The OpenLedger DEX is now one of the most powerful cryptocurrency platforms, with many ITOs, ICOs, and their tokens supported by the ecosystem. Designed for high-speed transactions, the OpenLedger DEX allows users to pay ultra-low fees to trade assets in real time, and securely. (Source: Finextra)

This startup used Ethereum to raise $150 million in three hours

A startup named Bancor has raised almost $150 million in just three hours from anonymous investors in what is now the biggest example of a new form of blokchain-based funding-the initial coin offering.And it all happened on Ethereum, the blockchain platform that has exploded in popularity over the past few months. Ethereum, often described as another Bitcoin competitor, is more than a currency; it allows decentralized, blockchain-based projects to be built on top of it. An ICO is a new way to raise funding that has gained momentum in recent months; the new company issues tokens-a sort of mini-cryptocurrency that, besides being tradable, might also give you other benefits. (Source: yahoo)

Ikea is now available on Amazon

Imagine a world where you could purchase an Ikea bookcase, lightbulb, or even their trademark blue bags without ever stepping foot in an actual Ikea. Well, that world is here: Ikea products are now available on Amazon.

Now you can have all of Ikea's sleek, Scandinavian-chic products without ruining your relationship or your Saturday. Use all your newfound free time to come up with your own recipe for Swedish meatballs, because while you can buy Ikea's meatball sauce on Amazon, the meatballs themselves still require a trip to the giant blue box. It's the only way to ensure that people still have to come to an actual Ikea on occasion. (Source: fastcompany)

It's Official - SoFi Has Applied For a Bank Charter

Until last month it was unknown how SoFi, the most successful fintech firm in the US, was going to offer deposit accounts. Once we learned they planned to create a bank through an industrial loan company (ILC) charter we dug into what exactly an ILC was. Now, approximately one month after announcing their plans SoFi has submitted their official application which was published by TechCrunch yesterday.

According to the document, SoFi hopes to offer its customers an FDIC insured NOW account and a credit card product, with no additional services offered by the bank. A NOW account is a negotiable order of withdrawal account or in other words, a deposit account that pays interest. (Source: lend academy)

Bank of England's chief cashier says it is considering launching official digital currency in the future

The Bank of England is considering whether to launch an official digital currency, its chief cashier revealed yesterday. During a speech in London, Victoria Cleland said the rise in technology means there are now a 'myriad of ways to pay'.

This has led officials at Threadneedle Street to explore whether to move away from just issuing traditional paper notes. At the moment, the Bank of England provides electronic accounts to banks and key financial institutions, but the public can only hold central bank money in physical form - as banknotes. (Source: dailymail)

GOLDMAN SACHS: Bitcoin is looking 'heavy'

Bitcoin has had a blistering start to 2017. It's up about 180% so far this year. However, its near-term outlook isn't looking so hot, according to a note released on Monday by Goldman Sachs head of technical strategy Sheba Jafari.

Bitcoin hit a lifetime high of nearly $3,000 a coin on Monday, but was unable to hold onto those gains. The cryptocurrency finished the day at $2,599, well below the key technical threshold of $2,749 that was singled out by Jafari. Now, traders should be paying close attention to $2,475 on a weekly basis, as a close below there would cause even more damage to the technical picture. (Source: CNBC)

UnionPay launches QuickPass in HK and Singapore

Following a debut in China late last month, UnionPay International is extending its UnionPay QuickPass QR code mobile payment service to Hong Kong and Singapore. The first merchants providing this new service are three stores of Colourmix at Causeway Bay, Hong Kong and two stores of BreadTalk in VivoCity and Marina Bay Financial Centre, Singapore.

The new service supports NFC contactless payment with UnionPay chip cards, smartphones and wearable devices. Outside mainland China, mobile QuickPass is now accepted at about 500,000 POS terminals across Hong Kong, Macau, Taiwan, Singapore, Russia, the UAE, etc.  (Source: telecomasia)

Element Raises $102 Million

Element AI - a Montreal-based platform and incubator that wants to be the go-to place for any and all companies that are building or want to include AI solutions in their businesses, but lack the talent and other resources to get started - is announcing a mammoth Series A round of $102 million. It plans to use the funding for hiring talent, for business development.

The round was led by the prolific investor Data Collective, with participation from a wide range of key financial and strategic backers. They include Fidelity Investments Canada, Korea's Hanwha, Intel Capital, Microsoft Ventures, National Bank of Canada, NVIDIA and Real Ventures. (Source: Techcrunch)

Online luxury retailer Farfetch to seek $5bn value in US float

Farfetch, the British-based online luxury retailer which sells brands ranging from Alexander McQueen to Zac Posen, is advancing plans for a listing in New York that could value it at up to $5bn.

Sky News has learnt that the company is close to appointing bankers to work on the listing. A flotation is expected to take place within 18 months, although people close to Farfetch insist that it has yet to decide on a formal timetable to go public. Farfetch allows hundreds of top fashion labels, including independent boutiques, to sell from its digital platforms, and helps them manage their back office functions more efficiently. (Source: news.sky)

Flipkart's Snapdeal acquisition may face Fema bump

The anticipated acquisition of troubled online marketplace Snapdeal by its rival Flipkart will have to deal with Reserve Bank of India rules on foreign exchange and may have to be specially structured to protect the interest of Snapdeal shareholders.

Flipkart, the country's largest ecommerce company which was valued at $11.6 billion after its last funding in April this year, will have to make sure that the acquisition does not violate rules under the Foreign Exchange Management Act, given that its holding company Flipkart Pvt Ltd is domiciled in Singapore. In the proposed all-stock deal, estimated at $700 million-$1 billion, shareholders of Snapdeal would receive Flipkart stock. (Source: Economictimes)

India's MobiKwik is raising new funding at $1B valuation to battle payment rival Paytm

MobiKwik, the mobile payments startup that is number two to Paytm in India, is quietly confident that it can take advantage of its rival's focus on e-commerce and recent entry to banking to even the playing field. To strengthen its case, MobiKwik, which is solely focused on payments, is in the process raising its largest financing from investors to date.

Co-founder Upasana Taku confirmed that the company is in talks to raise $100 million-$150 million in a round that would value the company at more than $1 billion, thereby putting it into the elite club of tech unicorns. (Source: Techcrunch)

PwC Principal: Cryptocurrencies Could Power New Economy

To help kick off the publication's fourth annual 'Blockchains + Digital Currencies' event, a principal at PwC went so far as to give a detailed overview of the professional service's take on the future of blockchain, in the process adding to recent bullish statements from senior executives about public blockchain applications.

Contrary to the current financial system that McNamara described as "very complex", she argued that an economy powered by cryptocurrencies would lower the barrier to entry for those who are currently excluded, and as a result, increase global competition for these customers. (Source: Coindesk)

Illinois Eases Burden for Cryptocurrency Startups with New Guidance

The financial regulatory arm of the state of Illinois has clarified its rules for digital currency companies operating in the state.

Announced by the Illinois Department of Financial and Professional Regulation (IDFPR), the completed regulatory guidance clarified that digital currency is not captured under the definition of money used in the state's Transmitters of Money Act (TOMA). The final announcement was published after nearly six months after the agency's initial request for comments. The guidance also clarified activities that are generally regarded as 'money transmission', including the exchange of digital currency for money through a third-party exchanger or an automated machine. (Source: Coindesk)


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