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whitePaper | May 7, 2020

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whitePaper | July 15, 2022

The rise of Banking as a Service (BaaS) and real-time payments (RTP) are pushing the era of digitalization to new heights, where interconnected ecosystems and the instant exchange of data are the norm. Until now, banks and other players have largely implemented piecemeal solutions on top of existing legacy core systems. This has led to extremely expensive and complex back-end systems—with lots of time and money spent trying to create interoperable services at the application level. With the move to fully interconnected ecosystems, stakeholders will have to re-think their core systems at the most fundamental level. Achieving this will be difficult, but the rewards are great. Infrastructure-level connectivity can enable banks and other players to benefit through the monetization of customer data that will provide new insights for services that can only be developed based on a fundamentally networked infrastructure.

whitePaper | July 30, 2022

In view of the increasing digitalization of payments and the high demand of real-time transactions, the cross-border payment I ecosystem is moving towards a new international messaging standard.

whitePaper | November 3, 2022

TA bank’s digital team typically has full observability of only 11% of its application and infrastructure environments, according to the Global CIO Report 2020 by Dynatrace. The data and metrics-laden systems are too complex and, by association, timeconsuming for most in-house teams.

whitePaper | July 7, 2022

Spume is a community governed holder-owned NFT marketplace that facilitates the non-fungible tokenization of physical and digital assets and removes brokers, banks, and other centralized authorities from unjustifiably taxing the transactions and property of individuals. Our vision with Spume is the complete removal of all intermediaries that prey on individuals during the trading of digital and physical goods. This covers a broad range of markets: everything from artwork to real estate will be tokenizable and tradable on Spume’s marketplace. All revenue generated from Spume’s marketplace is given directly back to SPUME token holders. The marketplace and all decisions on development are now controlled by SPUME token holders with a governance system unlike anything ever seen before.

whitePaper | October 1, 2022

Africa has enjoyed an earlymover’s position in the application of fintech in effecting financial inclusion and economic transformation. The success of the continent’s mobile money revolution caught the world’s attention over a decade ago, bringing into sharp focus the potential inherent in the combination of finance and technology – with innovation and empathy.