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 …
ARYZE to onboard the financially excluded and underserved Load more »
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 …
Remittances with ARYZE: Eliminating costs, complexity and delay Load more »
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 …
Money Laundering and its far-stretching impact on the world Load more »
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 …
ARYZE’s platform: Where legacy and tech-based systems can finally communicate Load more »
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 …
ARYZE’s Digital Cash: Smart, fast and a game-changer for the globalized world Load more »
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 …
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 …
Community – the power of co-creation, collaboration, and enterprise Load more »
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 …
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 …
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 …
Interoperability in Blockchain and the Financial Industry Load more »
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 …
Stablecoins and the Era of Full Reserve Digital Banks Load more »
Issuing digital value in the traditional world. Stablecoins MUST consider these things to succeed in the real world. Introduction A stablecoin for the purpose of this article is a digital “I-Owe-You,” which represents a 100% identical underlying “real money” balance. Not 99% or 98%, but 100% or more. For people coming from the pure crypto …
Sending money home is most expensive for those who have the least Stagnating economies and regional conflicts have a tendency to urge workers to find opportunities abroad, at an increasing rate. With the rise of migration, the amount of remittances to developing countries have rapidly grown. The definition for remittance is: “transmittal of money (as to a distant …
Interoperability is the key to building sustainable businesses In an increasingly connected world, one of the last pieces to the puzzle remains inclusive and interoperable digital financial services. Digital Financial Services (DFS) often operate in silos, meaning that they are independent of other services. For example, digital payments apps provided by banks cannot speak directly …
Last year saw a massive amount of capital raised from Initial Coin Offerings — around 5.2 billion USD. Yet even so, 2018 has already surpassed the previous year in terms of capital raised! It was also discovered in a recent study that 80% of ICOs in 2017 were scams, permitted to occur due to loose regulations and …
Take good care of your people, and they will take care of you! Cryptocurrency projects and ICOs are often scrutinized according to a number of factors. Whether it is the team’s track record, which developers are onboard, advisors, or simply the application of the product(s) and/or token, the community typically lies at the heart of …
Why Communities are the Bedrock of Crypto Projects Load more »
Blockchain and GDPR are an unstable mix. There may be hope, though… Data Protection As you are probably well aware, it was revealed that Facebook was at the center of one of the largest data breaches in modern times. Without going too much in to detail, Cambridge Analytica had unlawfully gained access to the personal …
How Data Protection Regulation is Creating Friction between Law and Technology Load more »
With rapidly advancing technology, our money still remains quite analog — but it doesn’t have to be that way… Traditional banking models are changing The modern bank’s roots can be traced back to the Florentine Renaissance, originating with the Medici family in the 15th century. Banks serve the purpose of acting as an intermediary between …
ARYZE — Danish fintech is reimagining the approach to Stablecoins Without a question, the global payments infrastructure needs a facelift. With transaction and remittance fees, chargebacks, card fraud, and several day waiting times, it’s evident that a solution may lie with cryptocurrency and Blockchain networks. As technology advances, why does our money and payments infrastructure …
Our world is getting smaller and more connected, but the barriers to moving money across borders are as high as ever. ARYZE is working to change that by making money digital, direct and dynamic, so you can save, send and spend as you please.
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