Informative Articles

tokenization

Tokenization: the 360° transformer for better banking

To learn more about ARYZE, cloud banking, full-reserve banking and blockchain, visit our blog and subscribe to our newsletter. Tokenization is the act of digitally representing ownership of objects and possessions in the real world. Stablecoins, such as ARYZE´s Digital Cash, represent cash 1=1 backed by government assets. For example, representing the US-Dollar or more …

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cloud

Cloud and the platformification of banking

To learn more about ARYZE, cloud banking, full-reserve banking and blockchain visit our blog and subscribe to our newsletter. There is a huge transformation taking place in financial institutions. The banking habits of customers are changing and they are becoming more confident with all things digital which give room for new banking business models. Digitalization …

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identity

Identification should be a fundamental Human Right

The digitalization of our lives has introduced new challenges and opportunities for the identification of individuals, which is essential to a civilized society. Yet, according to the World Bank, more than 1.1 billion in the world are unable to prove their identity and lack access to basic services like healthcare and finance. Financially excluded people …

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DeFi

DeFi & Programmable Money: watch this hot debate!

Find how to access the tickets at the bottom of this article. During the past three years, we have witnessed the explosion of smart contracts, DeFi and NFTs. According to Coingecko, DeFi represents a market cap of $79 billion, as of this writing, while OpenSea´s market accounts for a 1.5 billion market cap. The demand for …

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eNaira

eNaira : Nigeria´s GIANT bold step to digitalization

Subscribe to our newsletter to learn more about digital assets, blockchain, full-reserve & cloudbanking Alkali Amana on behalf of ARYZE, interviewed Dr. Babatunde Oghenobruche Obrimah, COO at the Nigeria Fintech Association. This interview was conducted as part of our Content Ambassador program. The eNaira is the result of the Nigerian central bank´s project: ” Giant …

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cloud banking

Cloud banking and the powerful benefits financial institutions can achieve by embracing it.

The Cloud Computing Market is currently valued at over USD 236 Billion and it is estimated to reach USD 791.48 Billion by 2028. This article will look into the basics of cloud banking and how it is transforming the world of finance. Finally, it will showcase how ARYZE, as a digital full-reserve bank will utilize …

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stablecoin

CBDCs as financial game-changers: the good, the bad and the ugly.

ARYZE has spoken to Wealth Tech Professional, Educator, Advisor, Finance Professional, and Speaker Patrick Schueffel. He is highly skilled in Innovation Management, Banking, Fintech, Entrepreneurship, Venture Capital, and he is an Adjunct Professor at the School Of Management Fribourg in Switzerland. Schueffel shared his insights on CBDCs, especially in regards to privacy and autonomy for …

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digital cash

Better than Tether: ARYZE´S Digital Cash Stablecoin is a true digital representation of sovereign assets (FIAT).

The total market cap for all cryptocurrencies tripled in 2020 alone, expanding the crypto market dramatically as more people become acquainted with crypto and its possibilities. Today in 2021, stablecoins surpass the $100 Billion Market Cap, and the market is only expected to increase, despite mounting pressure from regulators worldwide. This article will briefly explain …

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africa

Different from MPESA and EcoCash: how ARYZE greatly benefits the unbanked.

Day by day, the appreciation of the value that financial technology adds to humanity is increasing as its revolution rests in the importance it creates. The marvel of the industry is further understood especially when Fintech is among the fastest growing sectors in the world. As of February 2021, Statista estimated that there are about …

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NFTs

NFTs market cap is $338M, and you should care

Over the past year, we have witnessed the explosion of NFTs (Non-Fungible Tokens) with artists and celebrities ranging from Banksy to Snoop Dog and Floyd Mayweather Jr. sparking a swirl of news around this latest crypto trend. As of this writing, the NFTs market value is estimated at $338M and is expected to continue growing given …

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tether

Tether catches heat under the spotlight for lacking transparency

It was shocking to see the reserve breakdown of Tether – The USD stablecoin (USDT) pegged to USD which was released last week. At ARYZE we will be doing much better than that with our “digital cash” stablecoins representing almost entirely credit risk-free backing with central bank deposits and short-term central bank issued assets. If …

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DeFi

How you can benefit from the DeFi boom in 2021

In our previous article we briefly defined DeFi and explored its origins and prospects for the future. Now, we will look into the benefits that DeFi offers, discuss some of the hottest projects and how you can get started. Let´s dive right in The journey to monetary freedom can feel intimidating with so many options …

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Defi

DeFi; powerful financial products right at your fingertips

We know that the DeFi market has hit the $20 billion total value locked (TVL), according to DeFi Pulse, and this is only expected to increase throughout the coming years. But what is DeFi, and why is it becoming so popular in the crypto space? DeFi (Decentralized Finance) is based on blockchain technology. It enables …

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companies

Companies that provide life-changing products can do well by doing good in 2021 and beyond.

ARYZE spoke to Stine Kirstein Junge, Global Head of SDG Accelerator for SMEs and Private Sector Advisor at UNDP. We discussed the SDG Accelerator for SMEs program and the role that digitalization plays in advancing the SDGs. At the same time, there was also a focus on how companies, particularly Small Medium Enterprises (SMEs), can …

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gender abuse

98 percent of domestic-violence victims also experienced financial abuse in 2020

Most domestic violence cases also involve financial abuse. Domestic violence and financial abuse are some of the harsh borderless realities which many individuals face. However, most of these individuals are female, which points to a gendered aspect of this ailment. With millions confined in their homes due to the unprecedented global crisis unleashed by coronavirus, there …

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What is the difference between ARYZE, known payment apps, and neobanks?

I get this question very often, as someone whose work includes telling stories about fintech solutions worldwide that can improve people´s lives and translate, at times, technical jargon into simple words. But before we can understand what ARYZE is and how it compares with known payment apps such as Revolut, Venmo, etc., we need to …

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unbanked woman

Financial inclusion: How to attract the unbanked population to your financial product.

According to the World Bank’s Global Findex latest report, 1.7 billion adults are left unbanked The pursue of financial inclusion is a growing concern for central banks and other policymakers. Financial inclusion bestows financial stability and economic growth, showing a connection between financial integration and economic development as established by the World Bank. Consequently, there …

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ARYZE CFO Morten Nielsen: Our mission is to make digital cash available for everyone, everywhere, at any time.

ARYZE CFO Morten Nielsen was invited to discuss ARYZE on the 8topuz podcast with Anthony Munns. Nielsen covered how Digital Cash will solve the four pillars ARYZE focuses on; credit and market risk, remittances, financial exclusion, and anti-money laundry, and also explained how ARYZE eliminates some of the biggest issues for NGOs working globally. Through …

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ARYZE’s B2B2C Business Model: Onboarding organizations, end-users, and developers

ARYZE has laid out a plan to onboard organizations, individual users, and developers to take part in offered solutions. Using a B2B2C model, ARYZE will create synergies between developing and consuming parties on the platform. ARYZE offers the needed tools for the development of its payment ecosystem and will bring these services to various types …

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ARYZE to onboard the financially excluded and underserved

In today’s world, financial exclusion forms a structural problem within the modern banking industry and impacts the lives of many. The World Bank states that around 1.7 billion adults are formally excluded from financial services, which makes up for forty percent of the global adult population. In some of the world’s poorest countries, this percentage …

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Remittances with ARYZE: Eliminating costs, complexity and delay

One of the four pillars ARYZE aims to solve is remittances. International money transfer costs are extremely high, at an average of 7% of the total amount being sent, and even higher in poorer countries. This has huge implications for the 800 million people relying on remittance money. ARYZE is seeking to fix this problem …

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Money Laundering and its far-stretching impact on the world

Due to the fragmented financial industry operating in silos, criminal activities such as money laundering find their ways through the system. Insufficient methods of tracking transactions, especially cross-border transfers, leave too much space for money laundering to still exist. ARYZE’s solution of offering an interoperable, high-tech payments system has the ability to track money more …

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ARYZE’s platform: Where legacy and tech-based systems can finally communicate

Both the legacy and tech-based financial systems are insufficiently interoperational to reap the benefits of the flourishing fintech industry. ARYZE is fixing this problem by creating a financial platform where legacy, fintech and blockchain based financial service providers can inter-and-co-operate, unifying the value chain. The previous article in this series explored the limitations of physical …

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ARYZE’s Digital Cash: Smart, fast and a game-changer for the globalized world

Despite major innovations within the fintech industry, there currently exists no programmable, ‘smart money’ digital representation of national currencies. ARYZE is building this in the form of “Digital Cash”, a currency with all the familiarity and practicality of existing national currencies with all the programmability and dynamism of cryptocurrencies. As discussed in the previous article …

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ARYZE CEO Jack Nikogosian: ‘‘We are creating digital money the way it should have been built in the first place’’

Recently, ARYZE CEO Jack Nikogosian joined the conversation on the “Blockchain won’t save the world” podcast with IBM’s Anthony Day. Nikogosian, amongst many other things, discussed money and how his company is building a full reserve bank. Anthony Day is a digital strategist with a background from Deloitte having joined IBM where he works as …

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Community Building at ARYZE

Community – the power of co-creation, collaboration, and enterprise

Community management has a crucial role to play in our road to success. Check out some of our thoughts in regards to the strategy behind it! Rather than spending resources on advertising, as well as mass surveys on product performance, we build communities among our target audience of end-users. To this end, we create a …

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Digital Cash in an interoperable universe

Connectivity and interoperability with external blockchain services is the hallmark of Digital Cash success. The lack of cross-chain interoperability is a major challenge for blockchain technology to overcome. Blockchains, which offer accurate, safe and immutable ledger services, have up until now been more or less unable to integrate with each other. 2019 has been the …

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MAMA Intro

The ARYZE e-money application – MAMA

Introducing the application which will transcend country barriers and innovate the way that money and value are transmitted worldwide. Similar to how a physical wallet can hold physical cash or coins, MAMA is a digital wallet that will let users receive, send and store Digital Cash, fully backed in their preferred sovereign currency. 1. SEND …

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Interoperability in Blockchain and the Financial Industry

The views and opinions expressed in this article are those of the authors and do not necessarily reflect the official policy or position of ARYZE. When you arrive at the airport of a new country, customs will conduct identification and visa checks. The information you have in your own country in regard to your personal …

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Stablecoins and Digital Banks

Stablecoins and the Era of Full Reserve Digital Banks

Banking is undoubtedly undergoing a reformation. Read more about how ARYZE envisions the future of digital payments. Author: Carl Christian Jenster — Co-author: Morten Christorp Nielsen Introduction The earliest form of modern banking traces its roots back to the warrior monks of the Order of the Temple — also known as the Knights Templar — who first issued notes of credit to …

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