RegTech In Financial Services

RegTech In Financial Services

As we venture into new avenues in the financial world, there has been a sea of changes, increased competition for sure, the way we look at spending has changed, where is the physical money? Most of us have digital wallets, we load the money online and pay for the services, like right form food, medicines, basic supplies practically everything one needs to ensure a sustainable living. The Foreign Institutions where the primarily responsible for the development of creating risk infrastructures to handle all the enhanced security feature to enable new products and services.

New technology to solve the regulatory and compliance requirements of industries more effectively has an enormous potential to lead the increasingly efficient and profitable ventures by reducing the risk barriers for entering in the digital space. What was thought to be only for the elite group of customers who had a lot of money to go down the drain had invested in the cryptocurrency was altered by bringing in more regulation, control and implementation of a uniform framework of regulations, that was conspicuous from the time the financial crisis hit the world economy.

Who will benefit from RegTech Solutions?

  • stimulating the world markets and identifying the bottlenecks in the regulatory and compliance reporting with smooth integration of the entire regulatory framework will be benefitted by the crypto markets in the long-term
  • forecasting, scenario analysis is a huge area that needs a lot of stress testing and simple risk management solutions, while doing away with highly complex solutions
  • monitoring the payments transactions in real time with low quality and great incompatibility in the transactions itself brings about metadata and clear streamlining of the process so that the inherent risk is mitigated
  • trading in the financial markets, using online software Crypto Code requires a regulatory check on the margin calculation and the limit of exposure, automatically aligning the trades with compliance will ensure a faster and efficient Crypto Code  trading
  • the know your customer culture has to be brought in the crypto, its use will be immense in the fingerprint, scanning and blockchain identity

Monitoring the internal culture and behavior of the financial institutions and adhering to the customer data protection rights, with the use of technology is an added advantage to increase the online security of the data to be protected and increase of the risk mitigation solutions effectively within the ambit of the crypto world with greater efficiency.



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RegTech and Cryptocurrencies, a change in Ventures

       RegTech and Cryptocurrencies, a change in Ventures

The potential approaches to discuss and debate the regulations, co-regulation, and self-disciplining the tokens in the crypto world has a multi-jurisdictional approach. Token offering by the Virtual new enterprises, startup to raise funding in coin currency has been a talk of the business world today.

Regulation in the Crypto world

  • the fact that Blockchain Technology and the opportunities that are coming from the regulatory phases have to be looked at to harmonize both and find a better solution for the co-existence of the technology governed by the security frameworks
  • categorizing and classifying the tokens from the coin currency and varying levels of regulatory treatment will be durable enough to handle future newer types of token issues
  • The bid to raise capital by the high net worth individual in the form of tokens could limit the participation of players who are new to the crypto space. With newer forms of capital raising and funding requirements, the application and platform Crypto Code should not be restricted to the sophisticated class of investors
  • the sight of the token could be the new driver in the commerce of the digital economy with the direct benefits reaching the consumers, investors and the global economy
  • as the entire discussion of RegTech started with the investor protection, being the main drivers in the industry, progression with the digital tokens being used as proceeds for the use in governance and adherence of the principals of meeting consumer protection being the main focus
  • coming together of industry experts and intensive forums discussing the prevalence of the coin currency in the platforms of trading online, Crypto Code and many others in the same league propelled the movement of tokens as mediums of exchange in the corporate standpoint
  • Product risk classification and analyzing the social requirement of cryptocurrencies will lead to taking an informed and better investment decisions by the investors, who should not rely only on the profit-making mindset

As the two important pillars in the investor protection in the financial market framework and adhering to regulations in the crypto world, educating the users about the behavioral biases and providing insights on investment to the investors in the token currency will make a greater impact. The various liquidity and market risks through the investors are aware, there should be a complete analysis of the public opinion on what they feel about regulating the crypto markets with the high data and security protection laws.




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How To Deposit Stock Certificates With Brokerage Account?

If you are in possession of old stock certificates, there exist few choices for trading them. One of the options is to deposit the certificates with a brokerage account. The value of the stock can be researched to find out if you are holding a fortune or not, which can be analyzed by going through the Crypto code.

  1. Selling stock to a broker with whom you do not have an account.

Feel free to contact any stockbroker and ask them to sell the stock certificate on your behalf. Whereas, if you do not good an account with that broker, it’s highly likely they might charge a huge fee.

Previously, brokerage firms used to sell paper stock certificates free of charge or at a lower cost with the anticipation that customers will open an account with them and utilize their other services. But, most of the customers were not interested in opening accounts with the brokers, so the brokerage firms stopped extending this service.

  1. Transferring stock to street name registration

Make use of this service if you are planning to open an account with a brokerage firm or already have an existing account with them. Your stock is then registered by the brokerage firm under their name and lists you as the “beneficial” or “real” owner of the stock.  In the books of the stock issuer, the owner is the brokerage firm.

  1. Signing the certificate over to the brokerage firm

Before sending it to the brokerage firm you ought to sign to allow the firm to send the stock to street name registration. This has to be done either at a bank or financial institution that guarantees your signature.

  1. Sending the certificate to the broker.

Using certified mail, the certificate can be mailed to the broker which can be insured and the tracking information can be obtained. For the stock to appear in your brokerage account, it will take about approximately five days. Once done you can sell any time and in selling, the broker will send a Chequers or deposit the amount in your bank account that is linked with the brokerage account.

  1. Selling the stock

As soon as the stock appears in your brokerage account, you can trade it at any time. You can call your broker and ask them to place an order to sell it. On placing the order to sell, conditions can be set on how the order should be executed, also the price regulations and the time constraints for the order can be decided.

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Selling Stock Certificates via Transfer Agents

If you are in possession of old stock certificates, there exist few options for trading them off. One of the choices would be cashing them in through the transfer agent of the company with whom the stock is maintained. The Crypto code gives further explanation on how to do this.

  1. Knowing what a transfer agent is

Public companies hire transfer agents to take care of the individuals and organizations who own the shares in their company. Normally, the transfer agent is quite likely a bank or trust company. At times large companies, like Walt Disney, acts as a transfer agent for themselves. Basically, transfer agents execute three main functions:

  • Issuance and cancellation of stock certificates
  • As intermediaries for the company to disburse interest and stock dividends
  • Handling of lost or destroyed stock certificates.


  1. Identifying the transfer agent

Attempting to identify who the agent is for the company with which you hold the stock is the next option. Checking into the company’s website will give the details of the transfer agent by visiting the investor relations page. The securities transfer page also gives information about the agents available.

The transfer agents generally trade as private organizations. They offer information generally concerning the role of transfer agents.

  1. Transferring stock to direct registration

Contact the transfer agent and inquire about the instructions on how to transfer the stocks to direct registration. The Direct Registration System (DRS) permits holders of stock certificates to maintain shares with the transfer agent in book entry-form instead of keeping it as a physical stock certificate. For Book-entry the transfer agent holds a documentation of the ownership of your stock in his books. It substitutes the physical stock certificate. Once done, you can easily trade stock at any period of time.

DRS provides security from fraud and various risks linked with paper certificates. It’s economical since printing, storing, and insuring paper certificates are not required.

The stock certificates have to be mailed to the transfer agent. The tracking information can be sent to them as insured mail.

  1. Sell your stock shares

It will take approximately 10 days to transfer your paper stock to DRS by the transfer agent. Once complete, you can trade your shares at any given time. When you want to sell, ask transfer agent to sell it.

DRS permits one to quickly sell the stock without the delays of managing the physical stock certificate, granting you the benefits of positive modifications in the market.


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Investing In Municipal Bonds – The Benefits

Investing In Municipal Bonds – The Benefits

When you are new to trading there are many ways to manage your funds with the required level of automation to help you save time. When bots like Crypto CFD Trader help you save time you can use the time you get to sharpen your trading skills instead. The one question most people have when they are recommended the use of trading bots is – is it a safe option to use bots for trading? Though there are plenty of scams in the market in the name of trading bots there are many profitable bots as well. These might not make you rich but they might definitely give you the ideal amount of market exposure any beginner would require.

While we talk about assisted investments there are some safe and secure options like municipal bonds. Sometimes the local governments or the state governments might require funds to finance a government project say an infrastructure development project. In such cases, the government issues municipal bonds to the public and the money that the public invest in buying these bonds would be used to meet the expenses. Here are some of the benefits that municipal bond investments offer.

Tax benefits

Most people invest in municipal bonds for the tax benefits. You would be exempted from federal income taxes for the interest amount earned on the bond. There could also be some benefits on the state taxes when there is a bond issued by the state government. Whether it is a short-term or a long-term bond you get to enjoy the tax benefits for the interest amount.

Not too much volatility

The lesser amount of fluctuations in municipal bonds make them a less risky option for those who are holding the bond for a shorter duration. In most cases the longer the term of the investment the lower would the risks be. So for those who are looking for short-term investments with lower risks municipal bonds are ideal.

Coupon rate differences

For new bonds, the coupon rates are pretty high. And you also get to pick higher vs lower coupon rates by picking long term or short term bonds respectively. For a bond held for a long duration, the interest rates might fluctuate slightly more than the interest rates on the short-term bonds. This is the factor that gives the difference in the coupon rates and in turn the fluctuations in the bonds as well.

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Ways to increase the profits from your franchise business

Ways to increase the profits from your franchise business

Even when you have small investments you might look for ways to maximise your profits. For example, people who use trading bots like Crypto CFD Trader use them for generating a passive income from trading. Is it a safe option to leave the funds with a bot? As long as you choose a reliable bot there is the assurance that your money is safe. When there are such small things an individual investor can do, what can a large scale investor like say a person who invests in a franchise, do to maximise the profits?

Franchise business structure might be very different from the structure of an independently managed business. There might be restrictions on the type of marketing strategies you pick and the flexibility in introducing new products or services. So with a very little scope for improvising and with a rigid business structure which is already laid out, how can you maximise the profits as a franchise owner?

Get a clear understanding of the industry and the business you are dealing with

Before you take up a franchise business understand the business clearly and the industry to which it belongs. Simply taking up a franchise offered by a company that has a strong brand image would not be sufficient unless you know what the business does and how it does it.

Outshine the other franchises by adopting something unique

There could be several other outlets or franchises for the same business. Without deviating from the standards or the contract terms of the franchise you can still think of ways to make your franchise unit unique.

Talk with the franchiser

Any franchiser would love a franchisee who strengthens the brand’s image. So if you are trying to recommend any amendments in the processor products so as to positively impact the sales most franchises would be willing to allow you to try it out in your store. If the idea does turn out successful then the franchiser would be eager to adopt this in the other franchises as well.

Focus on customer service

One strong approach to stand out from the other franchises would be to work on the customer service. After all when you serve the customers better the sales can improve which in turn would be profitable for the franchiser. An increase in sale more than the projected value would make the franchise happy. Most franchisers separate out the best performing franchises and award them in their own ways.

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