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Ekofolio (Luxemburg): Ekofolio’s core mission is to enable impact investments in forestry assets. The global forestry investment sector, while niche, accounts for approximately US$100+ billion in institutional investments - including Timber Investment Management Organisations (TIMOs), REITs, securities, and direct holdings in private capital. Ekofolio intends to use tokenization to enable Sharia compliant “Green Sukuk” investments in forestland, to make forest investments tradeable and liquid.
NOW Money: NOW Money developed a digital client on-boarding solution that will fully integrate into their mobile technology to improve the lives of low income migrant workers in the UAE. The solution helps workers access banking and remittance services, providing them with direct access to an account, debit card and remittance directly from NOW Money’s smartphone app and service centre. Ian Dillon, Co-Founder of NOW Money, said: “NOW Money entered the RegLab programme in ADGM's first cohort. As one of the first independent FinTech start-ups in the GCC and headquartered in the UAE, we were attracted to the RegLab due to the progressive approach adopted by ADGM and the ability to develop innovations in a trusted environment."
“The FinTech innovations we developed in the RegLab enhanced NOW Money’s progress with regulators and key partners, and we feel has pushed forward the whole agenda of secure and efficient technology-led KYC within the UAE, which stands to benefit customers, banks, exchange houses, other FinTech companies and the country as a whole. We have incorporated innovations developed in the RegLab into our core NOW Money offering, which has made the customer sign-up process the slickest in the UAE whilst fully operating within regulatory frameworks of the Central Bank of the UAE. With current expansion across the GCC region and an exciting product roadmap, NOW Money has an exciting future, and are looking forward to further opportunities to work with ADGM."
while Pyypl developed a digital payments solution for smartphone users that leverages blockchain, decentralised web and machine learning for new levels of security and compliance, to transact in online purchases without the need for a bank account or credit card. Pyypl is now in the process of transitioning to a full financial licence with ADGM. Phil Reynolds, Co-founder and Director, Pyypl, said: “We’re delighted to have worked alongside the ADGM’s expert and efficient RegLab team to now migrate to a broader mandate as an ADGM fully licensed company, with blockchain technology driving Pyypl’s operating efficiencies that only FinTechs can reach. ADGM is a real pioneer in supporting the FinTech sector in the region.
In Europe, several FinTech companies are now valued above many traditional banks. These major European players, such as N26, Transferwise, and Monzo, are principally in the mobile payments/services space, which is exactly where Pyypl specialises and focuses. The financial needs of the population in the Middle East and Africa are, however, significantly different from those in Europe and the market opportunities far greater. Pyypl’s strength is in its local knowledge, experience and reach including the region’s unique regulatory landscape. Pyypl complements and partners with banks that fit and understand the needs of the local ecosystem. Having successfully closed its previous financing rounds, Pyypl is now in discussions with prominent local and international VC and PE firms for financing the next growth phase of the company.”
A regional first, the ADGM RegLab is a bespoke regulatory framework which provides a controlled environment for FinTech firms to develop and test innovative FinTech solutions. Successful applicants can test their product according to regulatory requirements tailored to contain the specific risks and impact of their particular test. These safeguards will allow FinTech participants to explore and develop innovative solutions in a risk-appropriate and cost-effective environment.
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