One of the reasons that people say regulations for DeFi is an oxymoron is that the protocols are decentralized. That’s the important bit. Many are saying that “DeFi” subjected to any sort of limits or controls whatsoever, isn’t really “DeFi.” …


Vance Spencer is a 30-year-old venture capital investor who is excited by exploring the decentralized finance applications built on top of the Ethereum blockchain. He said in an interview, “The ability to make an insurance company out of 20 lines of code and a bank out of 30 lines of…


As neobanks like N26 and Revolut, ass well as payment providers such as PayPal, Square and CashApp move into cryptocurrencies, does this pose a threat to the cryptocurrency exchanges?

Investing has changed, according to Francis Bignell at Fintech Times. He says, “Due to the pandemic, younger, tech savvy individuals working…


This week we round up a selection of the activities happening at neobanks, some of which may point to what the future looks like for them.

N26 fined €4.25m

The Germany-based digital bank has been fined a hefty €4.25m for lax money laundering controls. N26 has been facing heightened scrutiny…


There is a view amongst crypto investors that China’s latest blanket ban on virtual currency businesses will be a blessing in disguise for decentralized exchanges (DEX), according to Coindesk. DEXs permit direct peer-to-peer transactions, which is part of their appeal.

Last Friday, the People’s Bank of China (PBoC) announced that…


The New York Times said in a recent article, (paywall) “the most important conversation in Washington financial circles this year,” is the one about regulating stablecoins. But what approach might the regulators take?

Stablecoins are a bridge between fiat currencies and cryptocurrencies. The value of stablecoins is tied to a…


Back in August, Cardano announced it had successfully completed an upgrade that would allow the creation and execution of smart contracts on the public blockchain. However they were not ready for use. Now it has successfully completed its Alonso hard fork, its smart contracts are functional. In its announcement, Cardano…


Point is a new reward-based debit card startup and it has just closed a $46.5 million Series B funding round led by Valar Ventures, headed up by Peter Thiel. He is probably best known as a co-founder of PayPal. The latest funding round follows a $10.5 …


On 27th August, the US federal bank regulatory agencies issued a guide that is intended to help community banks assess the risks of having a relationship with fintech companies.

The guide begins by saying: “Innovation and evolving customer preferences are changing the financial services landscape, including the way financial products…


As discussion heats up about CBDCs, the Estonian central bank –Eesti Pank — is excited about recent experiments with a digital euro.

The Estonian bank worked with the ECB and the central banks of Spain, Germany, Italy, Greece, Ireland, Latvia and the Netherlands on a research experiment to assess one…

Creditum.io

Creditum is the mobile application integrating regular cash with Crypto, Holding, Buying, Exchanging and Spending

Get the Medium app

A button that says 'Download on the App Store', and if clicked it will lead you to the iOS App store
A button that says 'Get it on, Google Play', and if clicked it will lead you to the Google Play store