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Antelop introduces SDK for digital card development



Banks and card issuing processors can now use a single software development kit to add all the very latest digital card features to their mobile banking app, making it possible for even the smallest bank to quickly and easily provide its clients with an instant, mobile-first experience that meets the needs of today’s increasingly digital consumer.

Digital cards and instant issuance are the new normal

Consumers today are looking for convenience beyond anything else. They are accustomed to digital and mobile experiences in their everyday lives and want convenient, seamless digital services.

In this digital-first world, the digital card is fast becoming an essential complement to the plastic card.

“Customers expect digital-first experiences. To meet their needs, banks now need to offer their customers an instant and mobile-first banking experience. This is the new normal and now a market standard.” says Antelop’s CEO Nicolas Bruley.

“Digital cards address this change in consumer behavior and enable instant card issuing on the consumer’s mobile device. This leaves the physical card as an option: digital cards can exist as a standalone offering or as a complement to an existing physical card.

“Banks can then offer their customers a wide range of new services based around digital cards. In addition, issuing fully digital cards cuts costs and reduces a bank’s carbon footprint as plastic is no longer required.”

Reducing complexity for banks and card issuers

Digital cards have been made possible by the new tokenization systems introduced by the card networks — Mastercard MDES, Visa VTS, Cartes Bancaires CB Digital Hub and so on. These have allowed banks to digitize their card portfolio, replacing sensitive card numbers with tokens dedicated to specific use cases for enhanced security.
The market is now increasingly moving away from old EMV physical cards towards purely digital cards.

With this move has come a significant increase in complexity. Banks are now faced with multiple tokenization systems (Visa, Mastercard, local schemes, the future European Payments Initiative, etc) and related innovations. In order to implement such innovations, issuers often rely on several card systems, with as many features as solutions.

This means that they can often struggle with a multiplicity of backend integrations, creating greater complexity, less agility and longer timelines for project implementation.

Furthermore, digital cards require close integration with mobile banking applications. Today it’s the banking application that brings the most value to the customer, demanding that all banking and financial activities need to happen in one application: card enrollment, payment, balance check, card management, authentication, etc. To offer digital cards that add real value to their clients, banks need a unified service directly integrated into their mobile applications.

Programs such as Mastercard’s recently launched Digital First enable banks to implement full digital card issuance with partners such as Antelop.

The One Digital Card solution by Antelop

The Antelop One Digital Card solution enables issuers to provide their customers with a unique digital-first experience.

All digital card features in one single solution

The Antelop One Digital Card SDK lets banks replace complex integrations with a single unified and simplified digital card integration that delivers a full range of digital card features through a mobile-only integration — with little or no backend development required.
Unified Customer Experience One Digital Card.png

Bring all the value added digital card features directly into your mobile banking application through one single mobile software development kit for Android and for iOS.

The solution guarantees a holistic customer journey within the banking app so that the user can activate a digital card, push it to both digital wallets and e-commerce merchants, self-manage their card and make payments with it.

With the Antelop One Digital Card, every bank can now go mobile-first!

All digital card use cases are included

The One Digital Card mobile solution by Antelop offers all the digital card features your customers expect:

Video KYC: Onboard customers with unique video-based ID verification. Enable users to open accounts 100% remotely.

Instant issuing: Provision your cards to your customers’ mobile banking in real-time.

NFC issuer wallet: Turn your mobile banking app into an NFC wallet. Maintain strategic links with customers through NFC mobile payments.

Push to x-pays and merchants: Enable customers to conveniently and securely push cards to Apple Pay, Google Pay, Samsung Pay, etc and to both “Click to Pay” and compatible ecommerce merchants — Amazon, Netflix, etc — from within their mobile banking app. Simplify digital card activation from banking apps for all use cases.

Token manager: Let the customer self-manage their digital cards. Provide a state-of-the-art self-care management tool while reducing human support.

Display card: Securely display card information in the application. Let customers pay on the internet without using a plastic card.

PIN in and out: Securely display the PIN code in the application and let customers choose the PIN for their card. No need to send or resend a PIN message/email, the PIN is immediately available in the app.

Strong customer authentication: Use the ‘chip-like’ security of payment solutions to provide both super-secure and convenient customer authentication (eg for 3DS Secure). Achieve compliance with the European PSD2 directive whilst retaining a convenient user experience.

Innovation ready: The One Digital Card solution allows for the integration of future innovations introduced by the card networks. It enables banks and card issuing processors to incorporate continuous innovation in their digital card services.

The One digital card SDK by Antelop

Simplified integration and maintenance

The Antelop One Digital Card offers one single integration for all features:

Multiple solutions and providers are no longer required: we include all the features you need in one single integration.

One Digital Card is built on services offered by card networks to ensure easy integration and maintenance.

The solution provides full embedded protection for all flows and assets, with integrated security.

The potential for mobile-only integration. Core digital card features can be integrated in a mobile application without any backend integration.

The Antelop One Digital Card mobile SDK relies on three integration principles:

Initialize the SDK embedded in the mobile application

Push card(s) in the SDK via the mobile application

Access all features directly from the app, potentially without any further backend integration (depending on the services used — PIN display and management require additional web services).

Flexible options

We offer three different options for your mobile-side integration: SDK, white label application or white label screens including source codes:

Option 1: SDK

Antelop provides a unified SDK for Android and iOS that supports all digital card features

Maximize the potential for customization by integrating services directly into your banking application.

Option 2: White label application

A standalone application that can be customized to match your look and feel

Potentially zero integration required

The white-label application source code can also be provided in order to accelerate custom developments.

Option 3: White label components

We can also provide pre-compiled features that can be embedded in any existing Android or iOS application, working on top of the SDK.

These components enable simplified integration and maintenance of the digital card features in the application


The only prerequisite for deploying the Antelop One Digital Card is for a bank or card issuing processor to already be compatible with tokenization.

Don’t already support tokenization? Our Issuer Token Service Provider (iTSP) hub provides a simple way to connect to Visa VTS, Mastercard MDES and more, so you can accelerate your project. Contact our team to find out more.

Go digital first with the Antelop One Digital Card

Antelop’s One Digital Card solution brings banks and issuing card processors all the digital card features you need through a mobile-only integration, enriching your value proposition for your customer.

For banks

With Antelop’s One Digital Card, you can quickly and easily offer all digital card use cases to your clients:

A unique digital card experience: Provide a fully digital and mobile-first card experience to your customers and offer the convenience of instant digital card services.

Leading innovations for banking apps: Offer the latest digital card features and innovations directly in your banking app.

Simplified integration: A single SDK integration to support all digital card use cases and the possibility of no backend integration at all.

Fast time to market: Mobile-only and no more backend complexity lead to a quick and simple project with Antelop.

A unified service: No need to assemble multiple heterogeneous components.

Complementary or standalone: Upgrade your existing bank app and card portfolio or build a new digital card program with an all-in-one solution for your customers.

Certified solution: Antelop is fully certified by the major payment schemes including Visa, Mastercard and Cartes Bancaires.

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Luxembourg Fintech Finologee Develops Automated Payments Solutions for Enhancing Workflows



Luxembourg-based Fintech Finologee has reportedly created a hosted system that offers API end-points in order to automate payments and support secure web interfaces which improve workflows and data visualization while establishing a direct connection to the SWIFT network.

The product’s development has been supported by the Luxembourg government. Crédit Agricole Life Insurance Europe (CALIE) is notably the first client/end-user to adopt the new platform.

Finologee started the development of its Enterprise Payments (ENPAY) platform in 2020 with the goal to assist the financial services sector with addressing business process enhancement and various automation requirements (with its payment workflows and interactions).

Instead of managing multiple, host-to-host banking channels or adapting consumer-focusing PSD2 access-to-account channels to their specific needs, users may work with FinologeeENPAY, a platform hosted in a secure Software-as-a-Service (SaaS) setup in Luxembourg, using a bank-agnostic connection to manage any bank account.

To streamline and automate their payment processes, companies may connect through Finologee’s API end-points. The platform comes with a modern web interface that uses multi-factor authentication and allows customers to implement complex workflows and advanced transaction signature processes.

The ENPAY system is hosted on the company’s Trusted Fintech Platform, along with Finologee’s bank compliance, KYC and digital payments infrastructure. The SaaS setup meets outsourcing compliance requirements that apply to financial services providers, significantly lowering their implementation lead times.

For payment network and messaging connectivity with banking institutions, Finologee decided to implement direct access to SWIFT, the provider of secure financial messaging services, which connects over 11,000 banking and securities organizations, market infrastructures and corporate customers globally.

User authentication and manual transaction signature components are being offered with assistance from Luxtrust, a Luxembourg-based provider of digital identities and a trust service.

Crédit Agricole Life Insurance Europe (CALIE), one of Luxembourg’s largest life insurance providers, is the first client/end user to integrate FinologeeENPAY. Accounts with multiple banks have been connected, now covering Indosuez Wealth Management, CACEIS, ING, BGL BNP Paribas and Spuerkeess, and others will be added in the coming weeks.

Finologee also entered a joint financing agreement with the Luxembourg government that supports the process and organizational innovation objectives of the initiative.

Franz Fayot, the Luxembourg Minister of the Economy, stated:

“Luxembourg is the perfect breeding ground for digital products addressing the needs of financial industry professionals. The country is well positioned to trigger projects that combine regulatory, communications, financial and technological aspects. The Luxembourg Government’s unique set of research, development and innovation programs and the encompassing ecosystem provide the right toolset to support digital innovation projects efficiently. Projects led by Fintech companies such as the Finologee ENPAY platform and boosting their relationship with established businesses effectively demonstrate how cooperation cannot only solve current business challenges but also reshape existing technical setups to be ready for tomorrow’s challenges.”

Pierre Gramegna, the Luxembourg Minister of Finance, remarked:

“I salute the Enterprise Payment initiative ENPAY, which is another successful illustration of the potential of cooperation between a traditional player like Credit Agricole Life Insurance Europe and a new FinTech like Finologee. By providing innovative financial solutions that benefit all actors, such collaborations strengthen our ecosystem and thus fully reflect the philosophy and vision that lies behind the LHoFT (Luxembourg House of Financial Technologies).”

Raoul Mulheims, CEO of Finologee, added:

“We firmly believe that our Enterprise Payments platform can be the missing link many financial service professionals and institutional players are looking for to automate their payment processes and reduce risks. From the start, the project received strong support from partners and stakeholders. We would like to thank them for their contributions and encouragements, as well as our team for its commitment and its expertise. We are eager to quickly build up this new product and we are looking forward to establishing the foundations to a new ecosystem that has the potential to have a genuine positive impact for many businesses in Luxembourg.”

When developing the FinologeeENPAY product architecture and associated roadmap, the firm depended on its expertise and experience working with this type of project (stemming from various other digital platforms the firm and its founders have been working with for the past 15 years in Luxembourg).

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Algorand could soon process up to $800 million in healthcare costs in Bermuda

MAPay, a global healthcare technology firm with a focus on decentralized payment networks, will use Algorand to issue a stablecoin for facilitating over $800 million worth of healthcare-related costs in Bermuda, as per a development this past week.

The post Algorand could soon process up to $800 million in healthcare costs in Bermuda appeared first on CryptoSlate.



MAPay, a global healthcare technology firm with a focus on decentralized payment networks, will use Algorand to issue a stablecoin for facilitating over $800 million worth of healthcare-related costs in Bermuda, as per a development this past week.

The firm boasts healthcare partnerships in the US and beyond, and will use Algorand’s blockchain as the backbone for its forthcoming advancements in the healthcare sector.

Onboarding Algorand

Traditional healthcare payment systems are slow, cumbersome, and riddled with unnecessary expenses. But by using a high-speed blockchain, MAPay aims to create efficiency in the system, across stakeholders like insurance companies, government health providers, and banks.

The collaboration will allow MAPay to provide Bermuda with a country-wide deployment plan to lower transaction costs of healthcare encounters through the MAPay network, which will run on Algorand.

MAPay will also implement a patient-driven data exchange aimed at providing medical interoperability, population health management, and better overall outcomes.

“Our relationship with Algorand is a global game changer in healthcare commerce and data exchange,” said MAPay CEO Michael Dershem. 

Kevin Richards, head of portfolio and investment advisor Bermuda Asset Management (BAM), said that Bermuda’s innovative regulatory framework for cryptocurrencies continues to attract transformational projects.

“[It] places us at the center of what could power a global change in the way healthcare payments are transacted in Bermuda and around the world,” he said in a statement.

At a conference earlier this year, Dershem stated that if global healthcare transaction costs could be reduced by even 10 percent, nearly $1 trillion in capital would be freed up in the world, preferably to be used for providing vaccines in developing geographic regions, access to care in urban health deserts, and orphan drug research instead.

The Algorand blockchain operates at over 1,000TPS and is final in under 5 seconds on a platform that is verified to not fork. And in addition to providing an open, public infrastructure, Algorand’s technology is a high performing Layer-1 that enables immediate transaction finality, security required in the healthcare space, and advanced smart contracts that expand future potential.

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Fintech Klarna hits mammoth $45.6bn valuation through new funding round



Online payments provider Klarna has raised more than $639m in a new private fundraising round, led by Japan’s SoftBank to boost its valuation to almost $46bn, making it the second-biggest FinTech startup by valuation after Stripe

The quadradecacorn’s existing investors Adit Ventures, Honeycomb Asset Management and WestCap Group also participated in the raise.

In the past Klarna has received backing from Sequoia Capital, SilverLake, Dragoneer, Permira, Commonwealth Bank of Australia, Bestseller Group, Ant Group, Northzone and GIC, as well as funds managed by BlackRock and HMI.

Klarna said it would use the new cash injection to continue to expand internationally and to develop new products. It has been investing heavily in the US, where it now has 18 million customers.

The new valuation represents an increase of almost 50% from Klarna’s post-money valuation of $31bn in March, when it raised $1bn.

Klarna, a regulated bank, touts itself as an alternative to credit cards. It allows shoppers to buy online through merchant partners including Abercrombie & Fitch, Nike and Peloton among others and split payments into interest-free instalments.

Commenting on the mammoth round, Klarna CEO Sebastian Siemiatkowski said, “Consumers continue to reject interest-and fee-laden revolving credit and are moving toward debit while simultaneously seeking retail experiences that better meet their needs.

“Klarna’s more transparent and convenient alternatives align with evolving global consumer preferences and drive worldwide growth. I’m very proud of the investors who are supporting Klarna’s ambition to challenge these outdated models to empower consumers with fair, transparent, and convenient products to help them bank, shop and pay each day.”

Echoing a similar sentiment, SoftBank Investment Advisers managing partner Yanni Pipilis added, “Klarna’s growth is founded on a deep understanding of how the purchasing behaviours of consumers are changing, an evolution which we believe is accelerating.

“Klarna has already successfully expanded into the U.S., and we are excited to continue supporting the team in bringing the next generation of financial services to new markets worldwide.”

The use of BNPL services has indeed surged during the Covid-19 pandemic. A recent review by the UK Financial Conduct Authority’s former interim chief executive, Christopher Woolard, found that the value of transactions using BNPL had nearly quadrupled between January and December 2020. Overall BNPL is around 1% of the total credit market, the review found.

This funding round provides GiveOne, the initiative to support planet health established by Klarna earlier this year, with its third significant donation since launch. Recent investor A$AP Rocky pledged to support the Miti Alliance in Kenya and its founder Michael Waiyaki, who is fighting to slow down the effects of climate change due to deforestation. Klarna has also launched a CO2 tracker on every purchase.

It’s worth noting that investors continue to pump in money towards BNPL ventures despite the sector being criticised for putting customers’ financial well-being at risk. In response, regulators in the US and the UK have either launched or are expected to introduce new rules for the BNPL market.

Klarna witnessed a record annual revenue of $1.2bn in 2020. However, losses also climbed 50% to about $109.2m due to increased costs associated with its international expansion.

Klarna was also hit with a data breach last month, with users reporting they were being accidentally logged into other people’s accounts. The firm temporarily shut down its app. In a blog post, Klarna said the issue, which affected more than 9,500 users, was a bug caused by “human error,” and that it had “informed appropriate authorities.”

Copyright © 2021 AltAssets

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This Week in Fintech ending 11 June 2021



This week our experts brought you the following insights based on their experience as investors, entrepreneurs & executives.

Monday Ilias Hatzis our Greece-based crypto entrepreneur (Founder & CEO at  Kryptonio a “keyless” non-custodial bitcoin and cryptocurrency wallet, that lets users manage bitcoin and crypto, without private keys or passwords and Weekly Columnist at Daily Fintech) @iliashatzis wrote One small step for man, one giant leap for bitcoin

This past week was pretty busy for me on several fronts. Yesterday, when I was speaking to a friend and colleague, he mentioned that bitcoin was going to the moon. Usually when we say “bitcoin is going to the moon” it’s an expression used when the price of the coin is off the charts. But that hasn’t been the case in recent weeks and the entire market has been going sideways. Literally in this case  both bitcoin and ethereum are going into orbit. BitMEX announced that it wants to deposit a single bitcoin on the surface of the moon. The crypto exchange said that it plans to deposit a physical wallet containing a single bitcoin on the surface of the moon. The wallet will be in the form of a commemorative coin. On June 3, a SpaceX rocket took off, carrying an Ethereum node for SpaceChain. The Ethereum node will be installed and  run in the International Space Station. SpaceChain offers blockchain custody services and claims this project is a sign of decentralization and censorship resistance of blockchain technology. Institutional clients will get access to the node to better their security and protect their digital assets. But this is just the first of the two missions that will put crypto into orbit. The second is scheduled for June 24, and the mission will focus on installing on a YAM-2 satellite, the nodes created for the cryptocurrency exchange Biteeu as well as for a community project called Divine. This second mission will also install a third bitcoin satellite node for the Nexus platform. When I heard this, I wondered why would someone want to put a crypto node into space. On the surface crypto and space seem like an odd fit. But after giving some more thought, space exploration fits with the ideological and practical effects of cryptocurrency. More importantly, blockchain holds the key to democratizing the space industry and unlocking its fullest potential

Editor note: Ilias analyses why putting a crypto node into space could be useful.


Tuesday Bernard Lunn, CEO of Daily Fintech and author of The Blockchain Economy wrote: Part 1 what is NOT democratising Wall Street

There is a lot of the hype around “democratising Wall Street”. In this 4-part series we look at what is needed to really democratize Wall Street and why that is so important.

Some subjects are too complex for our short attention spans, so we do 4 posts one week apart, each one short enough not to lose your attention but in aggregate doing justice to the complexity of the subject. Stay tuned by subscribing, click here for Part 1.

We start today with 3 pitches that use the “democratising Wall Street” that benefit the seller more than the customer.

Editor note: Many of these pitches come from “disruptive” Fintech startups – despite a pitch that they are better for you than those evil old incumbents.

Wednesday Alan Scott Managing Director EMEA at 24 Exchange @Alan_SmartMoney wrote his weekly roundup of Stablecoin news.



Rintu Patnaik, an Insurtech expert based in India, wrote: The Underwriter’s Gambit Part 2: Algorithm-Led Advances in Complex and Specialty Risks

In Part 1, underwriter workbenches were described as platforms to support underwriters in making complex decisions at speed and with confidence. Workbenches come equipped with relevant insights about clients and the risk being underwritten, along with a modern user interface to enable frictionless data flow.

Editor note: Rintu tackles a big complex subject in multiple parts. In this post he looks at the role of algorithms in underwriting to augment not replace human judgment.  

Christian Dreyer @x3er, the Swiss based CFA who focusses on how XBRL changes our world wrote his weekly roundup of XBRL news.


Friday Howard Tolman, a well-known banker, technologist and entrepreneur in London, wrote his weekly roundup of Alt Lending news.


To continue receiving ‘This Week in Fintech’, the weekly recap of our articles, you will need to fill this form to give us consent to send this to you. Please note that Daily Fintech requires your organizational email address (e.g. corporate, educational or government) and your LinkedIn URL. This information is required for subscribers who want ‘This Week in Fintech’ for free. If you prefer to not provide this information, you can still receive all our content by becoming a paying member.

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