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FINTECH

NFTs, explained: what they are and why theyre suddenly worth millions

Before we dive into how to sell NFT art, let’s simplify these for you. Your GMPG tokens will be sent to the address you provided during the Airdrop. «It really is just one of those funny before and after things – this whole experience changed the trajectory of my art career and my life.» «8 minutes 46 seconds – In Memoriam George Floyd» by Matt Kane, which he sold and donated all proceeds to Campaign Zero, a nonprofit organization focused on ending police violence. «This was life changing for me. I was able to make different plans for my future just on that. And that’s a very modest price,» he says.

Blockchain monitoring software company DEXterlab polled more than 1,300 people on Twitter about their NFT buying habits from late May to early June. Despite a majority looking to gain from NFT trading, less than 42% have made a profit so far, according to the results. So let those creative juices flow, create amazing NFTs or turn your existing digital creations into NFTs using the NFT generator from Appy Pie, and sell them for the price you want.

Is creating NFT profitable

This theft also presents a risk for investors buying other people’s art. Because it’s far too easy for someone to steal a piece of art and sell it as their own NFT, you run the risk of buying a digital asset that’s fake or plagiarized. Don’t worry — even if you can’t make your NFTs, you can still make money from them, just as you can from any other art investment. Rather than earning money for your work, investing in NFTsallows you to make money when the asset appreciates during the time you own it. Eventually, the goal is to sell the asset for a profit, which means you’ve received a return on your investment. If you’re new to the world of NFTs, then you may not even know where to start investing, but we’re here to break it down for you.

Is NFT selling profitable?

Performing due diligence for every NFT project you are considering buying into is a very crucial step in making money with NFTs. Remember, buy what you like, do your research, and don’t be greedy. If you are an ambitious NFT creator, the biggest mistake you can make is creating non-fungible tokens for the wrong reason. Making NFTs only to gain a quick profit is the fastest way to end your chance at a career as a creator.

It was the storied firm’s first foray into blockchain auctions. The image was a big JPEG file including 5,000 individual photographs taken by the graphic designer. Although he wasn’t extremely well-known, it sold for little about $70,000,000. It was also the first-ever public auction of an NFT, which contributed to its success. NFTs, on the other hand, remain new enough that “unicorn” transactions like this continue to occur. Consider it as a means to earn a yield on top of a process that generates a yield on its own.

Licensed collectibles

If there is the hype surrounding an NFT, make sure you understand where that excitement is stemming from. It may be stemming from a good utility and community http://propolis-jurnal.ru/istoricheskie-publikacii-9/5/ growth, or perhaps the source is something not as true. This list is only a small compilation of examples that can add value to your non-fungible token.

Is creating NFT profitable

Turns out, as an alternative asset class, NFTs are in the middle of a bull run. Once you’ve minted the NFT, you can easily transfer it to secondary markets like OpenSea and list it for a higher price following the prompts on the website. NFTs can be stand-alone, or they can be part of a collection, which can also allow their owners to feel as though they are joining an exclusive online community.

Is creating an NFT profitable?

The most popular cryptocurrency for the NFT art market is Ethereum . Ethereum was one of the very first blockchains, and its eponymous cryptocurrency has become one of the most widely used in the world. The hardest part of intending to sell non fungible tokens is convincing people that they are worth anything.

  • NFTs can be stand-alone, or they can be part of a collection, which can also allow their owners to feel as though they are joining an exclusive online community.
  • Remember, buy what you like, do your research, and don’t be greedy.
  • This huge anticlimax has left me with a worrying gut feeling that I should never shoot my shot again, and that also, deep down, I’m as much of a capitalist girlboss as the rest of them.
  • It consists of blocks of information linked together by a chain.

You’re then asked to consider what percentage of royalties you wish to claim on any resale of your art in the future. Like other cryptocurrencies, NFTs may become worthless over time or increase in value. So, even though the future of NFTs is highly speculative, it’s still worth the try. Solana is one of the price-friendly alternatives to minting NFTs. Additionally, there are 3 transaction types when minting on the platform, 2 minting approvals, and a listing transaction for the NFT.

The first thing you need to do to make and sell an NFT is to ‘mint’ your NFT (we’re assuming you already have the piece of art that you want to turn into an NFT). To illustrate the process, we’ll use Rarible as the NFT platform and MetaMask as our payment wallet, but there are many other options – we’ll list some in the questions section at the bottom. The possibility of turning art into nonfungible tokens is something that many artists are exploring as a potential way to sell their work. NFTs allow art to be sold in a digital form by establishing the secure ownership of an original digital asset, and they can open up access to active new communities of interested buyers. Trading NFTs involves buying and selling digital assets to make profits. Remember to perform your due diligence and research on the ability of the NFT to make you higher profits.

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FINTECH

How To Invest: How Much Daily Volume Should You Seek In A Great Stock Like Apple? Investor’s Business Daily

When it comes to low volume, this indicates a lack of interest and little price movement. A CMF sell signal occurs when price action develops a higher high into overbought zones, with the CMF diverging with a lower high and beginning to fall. My favorite volume indicator is OBV, but the MFI gets a lot of attention. You should try both and choose which one best suits your trading style.

  • From an auction perspective, when buyers and sellers become particularly active at a certain price, it means there is a high volume.
  • Volume indicator trading can really help a trader to reduce the noise in the markets and get better trade signals with their strategy.
  • I would never recommend using volume and/or open interest numbers as your sole reason for entering a trade.
  • Some days will have a much higher volume than normal, while other days see a lower volume.
  • Having been used for years, they are a signal that many investors and traders look out for, and that in itself can be self-fulfilling in terms of their effectiveness.

If you need to fill in some gaps in your analysis, head here to find out about other indicators used to spot trends. There are a number of common problems that explain why technical indicators fail. OBV and Trade by Volume indicators are provided free of charge by some brokers, but some keep the tools behind a paywall and require traders to sign up to a premium-grade account. Not only is the direction not confirmed, but also volume OBV and Tick Volume are limited in terms of being able to provide trade entry, trade exit and stop-loss levels.

How to Predict When a Stock Will Go Up or Down?

All other things being equal, the bigger the open interest, the easier it will be to trade that option at a reasonable spread between the bid and ask. Emily Norris is the managing editor of Traders Reserve; she has 10+ years of experience in financial publishing and editing and is an expert on business, personal finance, and trading. Justin is an active trader with more than 20-years of industry experience. He has worked at big banks and hedge funds including Citigroup, D. E. Shaw and Millennium Capital Management. The strategy is easy to follow, and Tick Volume data at least is commonly provided free of charge by good brokers.

A significant change in price accompanied by higher-than-normal volume is a solid indication of market sentiment in the direction of the change. But, a big increase in price accompanied by low trading volume does not necessarily signify strength. In fact, that combination may well indicate that a price reversal is coming soon. When a stock’s price is falling, you want how to increase your brokerage trading volume its daily volume to be less than the average daily volume—to signal that the selling pressure is going down. When a stock price has consolidated and is not rising much, you want to see rising volume as the price starts to increase to signal more buyers entering the market. When the stock price is rising, you want increasing volume to signal that it will keep going.

See With Your Own Eyes: The Volume Trading Strategy From Trading Strategy Guides That Frequently Wins 77% of Trades.

Past performance in the market is not indicative of future results. Imagine it’s the day after expiration, and a new contract period, the June expiration cycle, is shown for option class LMN. An investor, Jack, logs into their online retail trading account and enters a purchase order to purchase 20 June 70 calls. The order is sent to the exchange and executes with Jill, a market maker from one of the U.S. options exchange markets. Open interest refers to the number of options contracts held by investors and traders in active positions, or ready to be traded. Chaikin Money Flow is a volume-weighted average of accumulation and distribution over a specified period.

What is a good trading volume

Volume typically appears at the bottom of a stock price chart as vertical bars that represent how many shares changed hands over time. Learning how to identify volume trends is exciting especially if you are patient and devoted to be a full time trader. WallStreetZen does not provide financial advice and does not issue recommendations or offers to buy stock or sell any security. Information is provided ‘as-is’ and solely for informational purposes and is not advice. WallStreetZen does not bear any responsibility for any losses or damage that may occur as a result of reliance on this data.

Downside breakout accompanied by heavy volume

Even if you don’t intend to use volume trading strategies yourself, knowing what other traders are using to make their decisions is always a good thing. Big funds, which are the ultimate drivers of prices, are well aware that their actions can distort the market. If the real money is keen on taking a position, it has to build its position with a degree of patience or else its own buying activity can drive price away from the target entry price. They use strategies such as VWAPto help them average into positions, and while the price might not move, the volumes data will. This is why volume trading strategies can offer an insight into the workings of the market and act as a leading indicator of price moves.

Your results may differ materially from those expressed or utilized by Warrior Trading due to a number of factors. We do not track the typical results of our past or current customers. As a provider of educational courses, we do not have access to the personal trading accounts or brokerage statements of our customers. High volume up – this translates to more trading is currently in play at the ask which means buyers are aggressive and as a result, it helps to identify trend changes, continuations and turns. For swing traders, a lower volume is more attractive – around 100,000 to 500,000 shares within a day. Compared to prior volume, relatively high volume has been found to be more suitable for traders.

Volume AND open interest both increasing favors higher prices or current trend continuation. In forex Volume is the total amount of money that has changed https://xcritical.com/ hands in the forex market. I.IV.I More reliable indications – Volume AND open interest both increasing favors higher prices or current trend continuation.

The Chaikin Money Flow uses exponential moving averages in its calculations. The money flow index shows the money flow and is calculated in a few steps. By the way, there’s nothing wrong with a trading range market, as long as you can accurately identify the trading range. Volume down, but open interest up usually signals a market gathering momentum to move higher.

Step #5: Take profit when the Chaikin Volume drops below -0.15

This simply means that if volume is not present to help identify the patterns as well as the focal points, the signal generated will be weak. One of the best traders anywhere, over the past 20 years Jeff’s made multi-millions trading stocks, ETFs, and options. He is renowned as an incredible trader with a deep insight and a sensitive pulse on the markets and the economy.

What is a good trading volume

Although seeing volume with the naked eye is not difficult, interpreting the volume is. It’s very difficult to make quick, unbiased decisions based on only price action and volume – that’s where indicators come in. In the crypto market, volume is often reported on a per-exchange basis and is based on the number of cryptocurrencies traded in a particular market over a specific period. In the forex market, volume is less centralized and is typically measured based on the total value of all currency pairs traded in a given period. Volume data can be accessed through various trading platforms and data providers. However, keep in mind that forex volume is decentralized and not reported by a central exchange, so it may be less reliable than volume data in other markets.

Options Volume and Open Interest: Why You Need to Understand Them

This is because we do not double-count the volume—when trader 1 buys 500 ABC shares from trader 2, only 500 shares are counted. Likewise, only 250 shares of XYZ would be recorded on the volume tally. Volume of trade is the total quantity of shares or contracts traded for a specified security.

What is a good trading volume

Since roughly 80% of the stock market’s average daily volume is the result of institutional trading, owning stocks under accumulation tilts the odds of success in your favor. Volume trading in forex means something slightly different to securities volume. In FX trading, it’s the number of lots traded in a currency pair within a specified time period – put simply, it’s the amount of currency that changes hands from sellers to buyers. Calculating volume in stocks is the total amount of shares traded for the day, which includes both buy and sell orders. It’s pretty easy to find stock volumes, as all transactions are publicly available in the order book of an exchange.

What does low trading volume indicate?

In the examples above, an institutional trader would consider both the $25 and $100 stocks to have equal liquidity. The more shares that are traded each day, the higher the liquidity of that stock or ETF. Please note that foreign exchange and other leveraged trading involves significant risk of loss. It is not suitable for all investors and you should make sure you understand the risks involved, seeking independent advice if necessary.

How to Use the Relative Strength Index (RSI)

Zero days to expiration options, or 0DTE options for short, are option contracts that expire and become void within a day. A must be filled order is a trade that must be executed due to expiring options or futures contracts. When you are looking at the total open interest of an option, there is no way of knowing whether the options were bought or sold. That’s probably why many options traders ignore open interest altogether.

Thin, Low-Priced Stocks = Higher Investment Risk

The Charles Schwab Corporation provides a full range of brokerage, banking and financial advisory services through its operating subsidiaries. Its broker-dealer subsidiary, Charles Schwab & Co., Inc. , offers investment services and products, including Schwab brokerage accounts. Its banking subsidiary, Charles Schwab Bank, SSB , provides deposit and lending services and products. Access to Electronic Services may be limited or unavailable during periods of peak demand, market volatility, systems upgrade, maintenance, or for other reasons.

Make sure you follow our favorite volume trading strategy for trading step-by-step guide to properly read the Forex trading volume. The Chaikin indicator will add additional value to your trading because you now have a window into the volume activity the same way you have when you trade stocks. Let’s go over an effective volume trading strategy with buy and sell signals, stop loss and take profit levels to trade in both bull and bear markets. The Forex market is the largest and the most liquid market in the world, with 6 trillion dollars worth of transactions performed on a daily basis. If you can master volume analysis, a lot of new trading opportunities can emerge.

Traders watching the price would see it moving up by a few cents at a time, rather than by $1 all at once. Volume analysis is a technique used to determine the trades you will make by discovering the relationships between volume and prices. The two key concepts behind volume analysis are buying volume and selling volume. Learn how to read stock charts and analyze trading chart patterns, including spotting trends, identifying support and resistance, and recognizing market reversals and breakout patterns.

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FINTECH

White Label Payment Gateway White Label Card Solutions

As I said earlier, you can create your own cryptocurrency payment gateway using a white label solution. It is a turnkey solution for every startup and entrepreneur because they can save their time and money for the development process. As a startup, you can focus on your business rather than the development process. Even though white label solutions are ready to use, they are already developed, tested, and implemented with prominent features. Quadrapay provides white label payment gateway service which provides a business to use its own name on the top in the label of the payment gateway while processing a transaction by it’s merchants or customers. This customized payment gateway process helps a business to grow its market name, reputation and image by providing out of the box experience exclusively designed according to their requirements.

That leveraged the idea of the cryptocurrency payment gateway platforms. Crypto payment gateways are crafted to make payments easier and so they have a well-knitted user interface along with an easy-to-use mechanism. The greater the coziness of the platform, the greater the performance and engagement. Also, the transactions happen in a really quick time making things easier and more effective. If it is done with crypto transactions, then a crypto payment gateway is required. White-label products are produced by one company and rebranded by another.

Best Credit Card Readers for Small Businesses

Admin or User from Underwriting team can respond, comment, request to the business owners. Anybody can access the portal without any technical knowledge to respond to queries and upload documents. Data exchange with the system is performed through secure communication channels.

white label payment gateway software

You can contact them if you’re looking for setting up your own Payment Gateway company. We don’t charge much and our platform and support are also good. We can provide you a very affordable solution as they have a special plan for Startups.

PayBito offering White Label Payment Gateway for accepting crypto payments

Plus, many of those platforms also have features that can help you with filling reports for tax and compliance purposes. Why though should you look in the direction of white label gateways? When building your own gateway, you would have to spend time on creating technical regulations, designing your token system, applying for certifications, and negotiating contracts with the payment providers. Third-party gateways meanwhile have already all those technical requirements ready – you can just take the ready solution, configure and customize it to match your brand, and that’s it.

white label payment gateway software

We go the extra mile to ensure that all transactions are encrypted and secure using state-of-the-art payment processing technology. We provide payment services in 196 countries and accept nearly every payment method globally. Securely accept payments online and keep your business and your customers protected at all times.

In the last year alone, the number of new popular payment methods, including cryptocurrencies, QR-payments, One-click payments, etc., increased many times. But remember that their services and the system are more fine-tuned to high-risk merchants leaving some of the needs of the low-risk ones unmet. We offer customisable payment pages, applying clients’ brands to them. After all these preparations, you can start integrating a provider you’ve chosen.

Kount Anti Fraud

White label payment provider is all yours for a reasonable price and with minimal risks. Paypal is an eCommerce payments platform that allows people to pay for their purchases without sharing any of their bank information . And as it works in 200 countries and accepts 25 currency types, it’s one of the most popular gateways when it comes to https://xcritical.com/ online shopping. More than 1.6 million websites now use PayPal – the gateway is equally popular for mobile purchases. That might seemingly look like a reason to go for the custom gateway, but actually, the third-party fees and transaction costs are minimal when compared to the costs of building and maintaining your own payment gateway.

white label payment gateway software

Our full-featured online payment platform allows you to accept payments for your online business. Unicorn Payment is one of the leading turnkey payment gateway solutions in the industry. With our trusted solution, we make sure your payment processing is seamless and secure. Unicorn Payment has powerful tools and resources available that can help companies hit the ground running from day one. Flexible, full-featured credit card processing services are hard to find, but we can customize a solution for every type of customer.

Checking if the site connection is secure

PayPipes is build to simplify connectivity and management of Acquiring Banks, Alternative Payments and Risk Management Tools. PayPipes connects white label payment gateway with multiple top-rated payment gateways globally. To grow your business, you may need to connect to multiple payment gateways.

We combine high-level services, pricing, and quality for you to take your venture to the next level. Creating technology to make the payment process easy and invincible. With quick onboarding, easy integration, fast & secure settlement, multiple payment options, and zero setup fees. PayStudio helps you with growing your online business by delivering your products and services to your customers. We’ll introduce you to the system and answer all of your business-specific questions before the launch.

The pricing starts at 1.2% and varies based on the industry and other factors. One of the advantages of choosing this company is the possibility to use HPP integration, if your business is small or medium, or an API integration if you’ve got high transaction volumes. Every white-label payment gateway solution has its pros and cons. Choosing the right payment gateway partner can be the key to your brand’s success, so try to approach the choice of white-label solutions as carefully as possible. Ups and Downs of Payment Gateway Source Code The electronic payments industry does not stand still even for a moment.

  • The trend towards white label payment gateways is expected to continue as more businesses recognize their benefits and decide to switch from traditional payment gateway solutions.
  • You can accept and process credit card payments in various currencies.
  • And European businesses, it supports eight currencies, and for Australian companies, three.
  • Currently, Stripe is available in 120 countries and can process over 130 different currencies – so it works great for international brands.
  • Run your own scalable and competitive payment business saving up to 70% in development and operational costs.
  • That makes its clients’ businesses fully protected from scammers and fraudsters.

Cardstream provides White Label Payment Gateway solutions for software companies, Acquirers, Payment Service Providers, Independent Sales Organisations and other value added service providers. The powerful Open Payment Network manages the whole payment process across different countries. WLPG is a white-label electronic wallet platform that enables customers to easily pay you by using credit cards, debit cards, net banking, or prepaid stored-value credits in one account. A lightweight Mobile-App that takes up little storage space of the customer’s Mobile device. Customer and/or Merchant can initiate refund requests directly between them through the Request Money feature eliminating any risk of Chargeback. Using a white label payment gateway is ultimately quicker and more cost effective.

Whit label solution will increase both your clients and your sales revenue. The system of our white label payment processing solution consists of modules, each being able to work independently and increase productivity. We can also provide customized modules as per your requirement. Opening of bank accounts and merchant accounts for processing of credit cards for online businesses became very complicated and time consuming. Merchants are looking for assistance for setting up the accounts.

White Label Payment Gateway

Moving your infrastructure from stack to service not only frees up capital in terms of money, it also frees up entrepreneurial energy. Move from a focus on compliance, security, 24/7 operations and support toward business-driven discussions with your customers around their roadmap for success and growth. Radar Payments is designed for use by payment service providers , banks, acquirers, issuers, and payment fintech. Twenty-five years global experience translates into end-to-end processing, facilitating an unparalleled array of payment methods, types and schemes into full commerce services. Offer a flexible payment solution to meet your merchants’ needs across channels and markets.

What Are the Benefits of Using a White Label Payment Gateway?

The white label option is easier to implement and allows business owners to save resources. White label payment gateway gets you online with a scalable technical infrastructure that we enhance and maintain for you. Benefit from having an advanced ready-made payment gateway and a team of payment experts at your service. We’d love to meet you and showcase how you can use our platform for your benefit.

What businesses can benefit from a white-label payment gateway?

Akurateco’s Payment Orchestration Platform is a brandable, white-label solution allowing users to own the end-to-end ready-to-use PCI DSS gateway. The platform has more than 170 connectors to banks and payment methods all over the world available via a single platform. 170+ connectors are already available for usage + fast and low-cost integration of new ones.

Payrix

Manage balances, currencies, chargebacks, and more within one service. Create your own eCommerce global payment gateway with Crassula. There is no doubt that white label payment gateways bring plenty of features to all sorts of businesses.

Get the most from your business model in an ever changing market with white label payment software. IXOPAY’s payment orchestration platform is available as a white label payment solution, enabling payment facilitators to grow while saving time and money on development. Our strong technical platform works as the backbone of your business; allowing you to focus on business relationships, on-boarding new merchants, managing risk, and ensuring regulatory compliance. What are the expected costs to set up a white label payment gateway ? Well, it depends on you, the negotiation, and the business model entirely. There are few companies in which offer White Label Payment Gateways.

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FINTECH publicaciones TECNOLOGIA

Las startups argentinas de fintech se abren paso rumbo Europa

NOTA POR: Sebastián D. Penelli, Diario Ámbito

Un banquero, un abogado y el fundador de una de las aceleradoras de startups más importantes de Alemania analizaron el presente y futuro de las fintech argentinas.

Un joven banquero, un abogado experto en regulación financiera y el fundador de una de las aceleradoras de startups más importantes de Alemania analizaron el presente y futuro de las fintech argentinas.

Juan José Piano, subgerente general de Banco Piano, arrancó la exposición minimizando la supuesta tensión entre la banca tradicional y la digital. “Muchas veces se habla de confrontación y se ve una competencia o rivalidad muy grande, pero con el fondo donde participamos con otros bancos ejecutamos la idea de que somos un completo para llegar a la gente”, afirmó durante un encuentro organizado por la Cámara de Industria y Comercio Argentino-Alemana (AHK Argentina).

Según el ejecutivo, actual responsable de operaciones del histórico banco, en la Argentina hay muchas oportunidades para el desarrollo de las fintech, aunque hay limitantes. “El mercado está bastante inmaduro, la coyuntura no ayuda, pero hay opciones para mejorar y tener sinergia de emprendedores que puedan innovar a las entidades desde afuera”, señaló.

“A veces cuesta entender la realidad de los bancos, que son lentos, tiene problemas de atención al público, pero son amortiguadores de la economía. Es muy difícil moverse rápido y cumplir todas la normas y exigencias. Este riesgo sistémico hace que sea difícil ser rápidos y ágiles y es necesario la innovación desde afuera”, completó.

Friedlhelm Schmitt, CEO & co-funder de Fincite Ventures, propuso mirar con detalle qué les falta a las entidades tradicionales para ofrecer soluciones concretas. “No es que los bancos no quieren innovarse. Tiene un montón de gente inteligente trabajando. Leen los mismos libros y escuchan los mismo podcast. Pero tienen sistemas muy viejos y ocupan el 80% de la inversión IT en mantener los que tiene y solo un 20% va a innovación o tratar de probar cosas nuevas. La clave es entender no solo el problema del usuario final, sino del banco”, sostuvo el alemán, en un fluido español.

Para Schmitt, los emprendimientos de tecnología financiera son la llave para el futuro. “Hoy en día manejar un banco te hace 50% un criminal porque hay tantas reglas, normas, leyes, que si cometes un error, vas a la cárcel. Para eso las fintech ofrecen soluciones que ayudan evitar la cárcel y saca presos”, comparó con ironía.

Cristian Elbert, fundador de la insurtech Klimber y socio del estudio de abogados de Elzen, puso el foco en los marcos regulatorios. “Fue acertado no intervenir el mercado fintech y dejarlo que crecer, a pesar de sus dificultades, porque si encima lo cargas con regulaciones es como matar el brote antes que crezca”, indicó Elbert, miembro del estudio auspiciante del evento. “Argentina es un lugar muy fértil en cuento a la producción, el capital humano, las ideas, grandes equipos, pese a que están bastante solos”, añadió.

Para evitar esa soledad es que la AHK lanzó un concurso entre startups locales para brindar asistencia y acompañamiento en el desembarco de los argentinos en el estado de Hessen, cuya capital es la ciudad de Frankfort, uno de los centros financieros más importantes del mundo. La competencia se llamó “Demo Day Fintech AHK” y buscó impulsar las exportaciones argentinas fintech a Alemania. En Hessen están radicados más 200 bancos alemanes y extranjeros, mientras que Frankfurt concentra más del 90% del mercado cambiario alemán. Las competidoras fueron HNT Bank, LemonCash, Patagon, Ocean Waves Finances, Rebill y Lemex.

El abogado Elbert coincidió en destacar que debe haber sinergia entre fintech y bancos. “No hay tanta contienda, ninguna va a querer competir. Hay soluciones que se trabajan en forma conjunta”, recalcó.

Piano comentó que Arfintech, el fondo de inversión conformado por ocho bancos argentinos y co-gestionado por NXTP, ya invirtió u$s3 millones en distintos proyectos a largo plazo. “Los resultados todavía no son concretos, son procesos largos, con acuerdos particulares entre los ocho bancos y las startups. Algunos avanzan más rápido y otros más lento. Las fintech complementan, tenemos un efecto simbiótico para agregar valor al banco”, expresó. Algunas de las startups en las que confiaron Banco Piano y sus socios fueron Increase, 123Seguro, Rapifactura, Signatura, Koibanx, VU y Zolvers.

En Alemania los números son otros. Según dijo Schmitt, el año pasado se invirtieron € 4.600 millones, de los cuales €700 millones fueron a fintech. “Las inversiones en modelos nuevos han bajado y solo son el 10%, mientras que el 90% restante financian empresas existentes, que tratan de digitalizar los modelos operativos de la industria financiera”.

Elbert dijo que el mercado alemán está hiperegulado, son muy rigurosos con el manejo de finanzas públicas y hay más conciencia de los datos. “Hay enormes iniciativas que podrían tener el apoyo de Alemania y hay muy buenas ideas argentinas que podrían tener raíces allá”, aseguró.

El abogado sostuvo que si bien ambos países no son tan distintos en cuanto a los entornos financieros, no es posible “tropicalizar” una startup de la Argentina al Viejo Continente. “No es posible desarrollarla acá, traducirla e implementarla allá, eso no va a suceder. La adaptación cambia el producto, hay márgenes distintos, impactos regulatorios distintos, pero la idea y la filosofía si se puede aplicar allá”, sentenció.

En esa línea, Schmitt destacó la “materia prima” de América Latina y recordó que Fincite Ventures, la fintech TOP 3 de Alemania, posee un centro de desarrollo en Perú. “El talento que vemos aquí es increíble, no solo en la Argentina, es un patrimonio de la región”, subrayó, y profundizó las comparaciones entre modelos. “El acceso al sistema financiero es un gran problema a en la Argentina, pero no lo es en Europa. Abrir una cuenta, hacer pagos, transferencias no son un problema, pero sí es muy caro acceder a asesorías financieras (se debe poseer entre €500.000 y €750.000) y la mano de obra es muy cara. Aquí hay muchas billeteras virtuales y plataformas de pago, pero en Europa eso no es necesario”, aportó.

Elbert añadió que en nuestro país la mitad de la población no está bancarizada. “Los problemas son oportunidades, las fintech deben vehiculizar formas innovadoras de acerca soluciones a la gente”, planteó.

Piano lamentó las complicaciones derivadas de la crisis económica de los últimos años, pero animó al auditorio a no bajar los brazos. “Muchas empresas tenían planes y tuvieron que postergarlos, pero no hay que renunciar a la búsqueda de oportunidades entre fintech y bancos”, aseveró.

El concurso de AHK lo ganó LemonCash, un billetera virtual que permite realizar pagos, operar con bitcoins, acceder a servicios financieros y fidelizar comercios y usuarios con descuentos y planes de beneficios.