With over 7,500+ attendees and 2,300+ companies attending Money 20/20, it can be challenging to understand which keynotes and breakout sessions one should attend.
While the Money 20/20 planning app does allow attendees to filter by genre of talks, I was unable to sort by specific FinTech sub-verticals.
So I built out this content to solve that problem.
If you are attending the event and need help understanding talks and keynotes thematically, I hope this effort will be helpful to you.
I built this list to include:
- Contextual background about each talk
- Classification of each talk by FinTech Sub-Vertical
- FinTech Sub-Vertical description of those presenting Big News
- Descriptions of each company listed as “Tomorrow’s Unicorns”
The talks are sorted by the following categories:
Decentralized Finance (DeFi)
Mirroring the birth of digital money, the democratization of information and finance is sparking new opportunities and risks. The movement towards decentralized finance aims to rid the financial system of intermediaries and give agency to the customer. How are you riding the DeFi wave that challenges traditional financial structures and institutions? Let’s explore the risks and rewards of trustless economies and permissionless financial systems that are more global and transparent in nature.
Last year, the DeFi market saw exponential growth, ending with nearly $15 billion in total value locked (TVL). As of this year, the market has tripled to a TVL of $50.12 billion, according to Defi Pulse. Although DeFi is up and running with major fintech industry players embracing the technology to facilitate smart contracts, it can grow beyond basic applications. Fintech companies may use blockchains to decentralize financial services like asset management, financial data exchange, insurance, and P2P credit.
|Title||What will be discussed|
|Who will Build the Infrastructure for a Tokenized, DeFi World?||Traditional assets like real estate and art, as well as new assets like NFTs, crypto and stablecoins are being tokenized and traded on new marketplaces. But who is building the DeFi infrastructure to execute, custody, clear, and settle these new assets? There is a new class of firms building the technology and services to enable these new assets to be traded over the next 3-5 years.|
|The Intersection of TradFi and DeFi – How Blockchain Revolutionizes Banking||Banking has long been considered one of the areas of the financial system that is slowest to adapt to the changing economy. Tied down by legacy technology, the banking system is primed for a blockchain makeover that will allow it to accelerate the pace of innovation throughout our financial system. Banking is the lynchpin of countless industries, and we all benefit from better banks. Marshall Hayner, CEO of Metallicus, will outline exactly where blockchain technology will revolutionize banking, the key areas of opportunity for advancements in this space, and what work is already being done.|
|Hybrid Finance and the Fusing of TradFi and DeFi||It’s not a question of if DeFi will become a core component of the financial services ecosystem, but how, and when. Matthew Roszak, co-founder of Vesper Finance, will address the present challenges and future opportunities that are impacting DeFi’s expansion and offer a pragmatic framework for building a bridge between decentralized entities and traditional finance. Learn how a “HyFi” model will unleash DeFi’s and TradFi’s individual strengths, and ultimately, redraw the boundaries of both ecosystems’ shared role in the future of finance.|
|The Future of Stablecoins: The Next $100B||2021 has shaped up to be a pivotal year for the development of stablecoins and decentralized finance. The stablecoin market has seen explosive growth, surpassing $100B in July 2021 and growing. Originally designed as a 1:1 fiat-backed digital currency to avoid volatility, the use cases of stablecoins have evolved. Today, fintechs, banks, business, and retail customers use stablecoins for easy, fast, and low-cost remittances, commerce & payments, lending, and more. In this session, attendees will learn how companies are using stablecoins to open new business opportunities and the future outlook of these digital assets.|
|How the Gap Between Centralized and Decentralized Finance is Closing||DeFi protocols have been with us since 2017 and have been the driving force behind crypto’s resurgence in 2020. In this session we look at what is driving this exponential growth, how today’s financial institutions are adapting and what potential hybrid products are coming to market. We will also explore the risks of DeFi, shinning a light on the issues of dealing with beta tested protocols, data feed centralization and bad actors.|
|HyFi — Bringing DeFi’s Value to Traditional Finance||DeFi has already caught the attention of the world’s largest investors, but many institutitutions remain unsure of how to deliver its benefits to their clientele. Jordan Kruger, co-founder of DeFi platform Vesper Finance, and Eric Ervin, CEO of hedge fund Blockforce Capital will address the benefits, challenges, and opportunities on the horizon for the institutional adoption of DeFi from the lens of a first-of-its-kind partnership between the two organizations.|
|The Bridge between Crypto and Traditional Currencies||In this session, we will explore stablecoins and the world of DeFi through the lens of a traditional finance institution. Alex will discuss his views and the considerations made in Ramp’s approach to deploying corporate treasury into traditional capital market asset classes as well as their approach to alternative solutions in stablecoins.|
|DeFi- Powerful Promise, Imminent Outcomes||Somewhere between the pseudonymous super coders building the future and the financial institutions that are eyeing DeFi from the sidelines, it’s easy to forget one of the most obvious questions: Exactly for whom are we building all of this? What does “financial inclusion” actually mean? This talk will discuss how DeFi is poised to deliver on the promise of generational wealth, alternative economies, privacy, security, and a more inclusive financial future.|
|The New Rules of Digital Currencies||The potential for digital currencies to change everyday payments is massive, and the vibrance and innovation that is occurring is undeniable. When it comes to digital money, true innovation is not found in going with the flow – it is about forging new paths for the benefit of everyone|
|How NFTs Will Change The World of Money||Explore the powerful and explosive growth of NFTs. From art to finance, to concerts and celebrities- NFTs are becoming a key way for companies, brands, and influencers to enhance their services and engage with the Gen Z sector. Led by a Gen Zer and NFT expert, we will explore the future of NFTs in commerce, as well as the current trends in tokenization that are carving out new monetization streams and opening up new markets. Discover how this use case of blockchain technology is enabling consumers to engage in a decentralized trustless commercial ecosystem.|
|The New Reality of Crypto at the Point of Sale||Cryptocurrency is gaining ground, but have you tried paying for your Starbucks with Dogecoin lately? Even the most popular cryptocurrencies are too slow and inefficient for everyday transactions. History has shown that new payment systems arise to meet consumer demand, and with 6% of Americans (and rising) owning or transacting with crypto tokens today, we’re on the cusp of the next wave of financial upheaval. Will crypto become widespread enough to replace cash as we know it? Or will it learn to play nice with existing card infrastructure to become a more viable form of payment? This lively exchange will feature cryptocurrency and payments innovators with rivaling viewpoints about how crypto will coexist (or not) with existing currencies, and what’s next.|
|How Developers are Rewriting The Financial System||DeFi has gone from theory to mainstream overnight. And before our very eyes, crypto is rebuilding finance from the ground up to create a more open, accessible and composable system. What will the future of fintech look like?|
|The Future of the Currency: Will it be CBDCs?||Central banks and regulators around the world are deciding the future of digital currencies and the transition to CBDCs is a prime contender. But there are problems to contend with. Is it a worthy investment in taxpayer money? Will governments be able to maintain the security of newly developed coins? And how will it disrupt the two-tier banking system? In this conversation, experts discuss how central banks are working with the private sector to develop secure, competitive, and open digital currencies.|
|Look to Crypto for the Future of Regulation||The crypto revolution broke regulatory models around the world. Until recently, regulators have been in catch-up mode, trying to fit completely new concepts into legacy frameworks. Decentralized, transparent, and trustless systems don’t fit in any regulatory mold so we need to develop a new paradigm.|
The payments sector saw record investment last year. This investment, coupled with the almost total everyday life digitalization, caused the sector to make a major step forward. Embedded finance, Buy Now Pay Later (BNPL) schemes, and incumbent-backed payment ventures are booming over the past year. But what payment innovations will go on to be in demand when life returns to normality?
|Title||What will be discussed|
|The Digital Frontier: The Always Evolving Payments Ecosystem||The world of payments evolves at dizzying speed with legacy players and new participants working together to tame this new frontier. Today’s payments ecosystem is merging the innovation of new business tools and new consumer payments options, with a view on what the digital future will demand. How are today’s priorities shaping new products, new businesses, new partnerships? Users equate their payment experience with a business as foundational to the relationship. How are payments being used as a relationship builder rather than just a transaction? Where is innovation pointing us as we build toward the future? The dynamic changes taking place across the payments landscape are both exciting and fraught with challenges. Join us for a deep dive into the ecosystem that will transform the way the future unfolds.|
|Spotlight on Asia and LATAM: Future of Payment Ecosystems||Cryptocurrencies, digital currencies, and blockchain will play a critical role in the future of payments for consumers and businesses alike. In fact, the “future” is well underway in Asia and Latin America, which boasts some of the most advanced and innovative fintech payment ecosystems in the world. This interview will dive into the future of payments from a global perspective, examining key trends in the Asian and Latin American fintech payment space, and the influence of these two regions on the evolution of payments.|
|Faster, Better, Digital – The Future of Payments||Today’s payment needs may be varied, but the need for speed in delivery is a common thread. The good news is that collaboration to meet those needs has never been greater, with banks and fintechs working together (rather than competing) to address complex payment issues and deliver better payment experiences. Faster payments are the backbone of these new experiences and in this session, we’ll discuss how and what payment options are answering the call for expediting delivery of funds. We’ll also explore how tools nontraditional payment solutions like wallets are solving problems and making it easier for companies to deliver payments to consumers and employees alike.|
|Modern Payment Infrastructure in the Cloud||As payments evolve with the digital shift, the infrastructure will also need to grow and modernize. The next generation of payments framework is already being built in the cloud and in this session, we explore it. Gain actionable insights on how to move away from legacy systems to modernized infrastructure that can help eliminate problems around capacity latency local regulations.|
|Applied Behavioral Science in Payment Product Innovation||The world of payments evolves at dizzying speed with legacy players and new participants working together to tame this new frontier. Today’s payments ecosystem is merging the innovation of new business tools and new consumer payments options, with a view on what the digital future will demand. How are today’s priorities shaping new products, new businesses, new partnerships? Users equate their payment experience with a business as foundational to the relationship. How are payments being used as a relationship builder rather than just a transaction? Where is all of today’s innovation pointing us as we build toward the future? The dynamic changes taking place across the payments landscape are both exciting and fraught with challenges. Join us for a deep dive into topics that are driving today’s ecosystem and that will transform the way the future unfolds.|
|Global Payments Infrastructure in a New Era of Fintech||We are living in an era where fintech has become intrinsically connected to the e-commerce economy. There are spikes in digital based consumer transactions, and notable surges in use and adoption of digital wallets and other various forms of contactless payments. As digital payments rise and global e-commerce sales are estimated to reach over $6 trillion by 2026- will we have the infrastructure in place to meet the volume and demand of customers?|
|Rise of the Cobots: Building Collaborative Human-Robotic Payment Processes||Digitization is accelerating the pace of payments, but do we really trust robots to manage our payments? Collaborative robotics, or cobots, alleviate these concerns by incorporating human oversight with robotic efficiency. Hear an expert weigh in on the importance of building human-robotic collaboration into payment processes to transform traditional linear payment processes into a rich, omnichannel payment experience. Explore specific B2C use cases in education, entertainment and insurance and see how cloud solutions can combine intelligent cobots with human oversight to build fast, trustworthy payment processes.|
The banking ecosystem continues to evolve, with several emerging themes that will play significant roles in the transformation of both new and traditional financial services businesses. Over the past decade, fintech firms have leveraged technology, innovative cultures and access to data and advanced analytics to transform the banking ecosystem. While the success of individual fintech firms varied widely, the solutions have impacted payments, infrastructure, distribution, access to financial services and components of sustainability. Initially, many of these fintech solutions were viewed as competitive threats to traditional banking providers. While many of the largest and fastest growing fintech firms (and big tech platforms) continue to directly impact the business models of legacy banks and credit unions, there is an increasing trend to collaborate with fintech providers for faster deployment of digital solutions desired by consumers and businesses.
|Title||What will be discussed|
|Community Banking Workshop: Cloud Core, Which One Do I Choose?||You see the plethora of BaaS offerings in the market today as these startups garner billions in funding and wonder, are they all the same?|
Dion and David will discuss how a banker with a non-technical background can evaluate, differentiate, and select a new BaaS provider even offering tips how on to move from a Legacy core to a new BaaS core for your bank. You will learn how to differentiate a cloud core from a core wrapper.
You don’t need a technical background to drive this evaluation for your bank, but you will need to hear how an architect and a business leader views the market today.
|Community Banking Workshop: Digital is Personal||This is your chance to hear from a real bank and their partner how they implemented a fully digital lending platform. This promises to be a “warts and all” view of a real-life digital implementation.|
|Your Customers Are Ready for Digital Assets, Are You?||Your bank’s customers are asking about Digital Assets like bitcoin and Ethereum, rather than miss this opportunity understand how to capitalize on it.|
|Old Bankers Discuss New Challenges in Crypto||Big bank veterans from The Northern Trust Company and Bank of New York Mellon discuss why integrating digital assets into the traditional banking system seems so easy, yet remains a perplexing problem. Expect their conversation to range from crypto versus corn fields, to big bank challenges, privacy, national security and their perspective on the wealth management market.|
|Fintech Banking: Banks and Fintechs Working Together to Win||Arguably one of the biggest growth areas in the fintech sector over the past year has been the BaaS and embedded finance verticals. In this session, Peter offers a unique perspective on these latest growth areas as well as explores the idea of Fintech-as-a-Service, what it takes for fintechs to go to market, and how community banks can partner with fintechs to successfully build new lines of business.|
|Programmable Money and Banking at the Edge||What if the next big move in the evolution of money and banking turns existing paradigms upside down, ushering in a revolution in how companies view their money and its capabilities? In this talk, you’ll hear a vision for a potentially radical banking industry shift. The future will move increasingly toward decentralization. Infrastructures will be more open, and highly customizable, with clients “programming their money,” telling it what to do rather than telling banks what do with it. Innovations like DeFi will give clients more control.|
|Banks vs Fintechs: Who is Most Innovative?||In this modified Oxford-style debate, two teams will face off on the topic of whether banks are more innovative than fintechs. We will explore deep arguments from both sides of the table. This debate will cut to the heart of the issue to understand who really has the edge – fintechs or banks?|
|The Open Banking Revolution||In the traditional credit-scoring system, if you haven’t borrowed money recently, it’s almost like you didn’t exist. But taking root in the financial world is a simple concept that could change how you interact with your money – open banking. Open banking is part of a revolution in commerce and banking, especially as consumers embrace digital payments more quickly than ever before. In this new digital world, open banking empowers consumers to make the best financial choices for themselves – and bring more people into the digital economy by making it easy for them to save and spend money. This discussion with Jess Turner will illuminate the power and potential of open banking and how to make data work even harder for you.|
|Relationship Status: It’s Complicated. The Banks & Fintechs Unlikely Union||The year 2020 was unexpected in more ways than one and may have finally accelerated technology transformation that’s here to stay. How Americans manage and move money is increasingly done through a financial ecosystem: Banks and tech companies need each other to evolve and survive, and consumers and businesses are counting on them to collaborate. In this interview, we will break down how the industry is coming together to innovate, solve problems and drive the development of transformational experiences for customers. Gone are the days of banks vs. fintechs and banks vs. encroaching tech companies – the future is all about partnership.|
|The Future of Credit: Your Favorite Brand Knows You Better Than Your Bank!||The last year has starkly highlighted the prevalence of unequal access to credit and its impact. Wasn’t fintech supposed to help solve these challenges? Democratize financial services? This session will outline exactly what it takes to do just that in the credit space. From pulling and combining insights from unlikely sources, such as an individual’s physical health record, or extending credit against digital assets – the future is here and it looks brighter for the 99%.|
|What the LGBTQ+ Community Can Teach the Banking Industry||America’s 30m LGBTQ+ people spend around 1 trillion dollars each year but have always been considered an edge case in traditional banking. As a result, the community’s differentiated needs have not been met, exacerbating a long standing LGBTQ+ wealth gap that means that almost half of LGBTQ+ people will run out of money in retirement.|
|Banking the Underbanked through Payroll APIs||The COVID-19 pandemic accelerated the evolution of neobanks as many consumers transitioned from engaging with their banks in-branch to in-app. In extreme scenarios, neobanks became a safe haven for excess cash for medium- and higher-income households and a financial lifeline for lower-income households. In conversation, we will unpack how neobanks can innovate with alternative data via Payroll APIs to make lending products more accessible for thin-file, underbanked individuals.|
|Scorched Earth: Hacking Banks through their APIs||Alissa Knight, a recovering hacker of 21 years with a focus in hacking embedded systems and APIs, and has been performing vulnerability research over the last decade into hacking banking and FinTech APIs. In her last presentation at Money 20/20 following phase 1 of her research, Alissa downloaded and reverse-engineered 30 financial services and FinTech mobile apps landing her on the front page of almost every major news outlet in the U.S., Asia, and Europe. Now in phase 2, Alissa’s back to present at Money 20/20 her results after taking her research further, deeper into the banks in targeting and compromising the APIs these mobile apps talk to.|
|Building Generational Wealth with Next Gen Banking: The Greenwood Story||The established financial systems have fallen short in serving Black and Latino communities. Notoriously slow to innovate, much of the banking industry has failed to address deep-rooted challenges like building generational wealth and money circulation. While activist movements such as #BankBlack are creating change from the outside in, there is much more to be done from the inside out.|
|The Bank Charter Race||Recently, several fintechs undertook the herculean task of applying for a bank charter. Some went the ILC route, some went for an FDIC-insured state or national bank, and one pushed the envelope with an uninsured national bank charter application. All expended considerable blood, sweat, tears, and money in their pursuit. Meanwhile, banks have been pushing back with an illogical argument: fintechs shouldn’t enjoy the privileges of being a bank without meeting the same obligations as banks, but should be stopped at the door when asked to be regulated.|
Overall fintech investment in the US remained robust in H1’21, reaching $42.1 billion. VC investment in the US was particularly strong, surging past 2020’s peak high of $22 billion to reach over $25 billion in H1’21. Big deals included a $3.4 billion raise by Robinhood, a $600 million raise by Stripe, and $500 million raises by Better, ServiceTitan, and DailyPay. The maturation of the fintech sector was evident in the robust exit activity in the US, including Affirm’s successful IPO, the direct listing of Coinbase, the SPAC merger of SoFi with Social Capital Hedosophia Holdings Corp. V, and the SPAC merger of insurtech Clover Health with Social Capital Hedosophia Holdings Corp. III. Across the Americas more broadly, fintech investment was also very strong, reaching $51.4 billion in H1’21. VC investment accounted for $31 billion of this total—shattering the previous annual high of $24 billion set in 2020. Continued innovations in financial technology, combined with the dramatic increase in use of digital offerings has made fintech one of the most active sectors of investment, both from a VC perspective and from an M&A standpoint. The global trend of increasing corporate participation in investment was particularly pronounced in the Americas during H1’21, with $12.8 billion of investment in the first half of the year, compared to $11.4 billion during all of 2020.
|Title||What will be discussed|
|Unlocking Entrepreneurship: Expanding Access to Capital for Small Business Growth||A growing and equitable U.S. economy requires access to capital for startups and existing businesses. Small businesses are essential to the U.S. economy, employing nearly half of U.S. workers and accounting for more than 40% of U.S. GDP. In order to open, survive, and expand, small businesses need access to affordable credit. Prior to the COVID-19 pandemic and related recession, small businesses were experiencing a period of expansion.|
|Building Legacy Brands of the Future to Make Capitalism Work For All||Consumers, employees, and investors alike are shifting consumption to be guided by their values. Companies and business leaders must prioritize balancing mission and shareholder value; otherwise, capitalism won’t sustain. Noah Kerner, CEO Acorns, and Dana Settle, Founder and Managing Partner of Greycroft, outline reforming capitalism with responsibility at the center.|
|Paths to Capital: What’s the Best Way to a Public Listing?||Fintech challengers aim to upend traditional financial services, so why not public listings? Many growth-stage founders are asking if they should pursue an IPO, SPAC, uplisting, or something else. CEOs from three successful listings will talk through the rationale, lessons learned, investor feedback, and the impact it had on their growth trajectory.|
Big News Announcements
|Credit Sesame||Credit & Loans|
|EM.ME||Blockchain & Digital Assets|
|Coin Digital||Blockchain & Digital Assets|
|Unit21||No-code Security Platform|
|Very Good Security||Data security platform|
As embedded finance offerings proliferate in the non-financial services spheres, opportunities of fuzing financial services into the journeys of retail, healthcare, energy, climate services, and advertising are providing smoother, frictionless journeys.
|Title||What will be discussed|
|Embedded FinTech: How the Best FIs Leverage Data and Enhance Customer Relationships||The market for financial products is becoming increasingly fragmented. Today, your customers are constantly exposed to product offers from multiple online competitors at any given time. In this environment, a personalized digital experience is critical to meeting customer needs and building loyalty. Embedded fintech is enabling institutions to offer truly integrated digital banking and value-added tools that are tailored to the individual and provide a better understanding of their financial lives. Utilized effectively, embedded fintech enables you to keep your customers inside your digital experiences, driving customer acquisition and higher revenue so that you are the competition and instead of losing out to it.|
|Next Chapter of the Embedded Fintech Movement is Procurement||In 2019, Merritt’s colleague Matt Harris coined the term “embedded fintech” to describe how virtually all software-driven companies will soon embed financial services into their applications, from sending and receiving payments to enabling lending, insurance, and banking services, and that idea quickly spread within the fintech community. The embedded fintech movement has just begun, but there is already a sister concept percolating: embedded procurement. In this session, Merritt will discuss this next wave, in which businesses will buy things they need through vertical B2B apps, rather than through sales reps, distributors, or an individual merchant’s website.|
|Unlocking Embedded Finance for Small Businesses and their Customers||Small businesses are not just managing to exist among larger established retailers, they are also gaining heightened awareness from consumers. Today, the integration of financial solutions like frictionless alternative funding, money management tools, and BNPL are unlocking the true potential of independent businesses. In this interview, Lola will discuss the challenges viable small businesses face in scaling their efforts with alternative funding. Gain insight into ecosystems at play making it possible to build money management tools from the ground up to future-proof independent businesses and their finances.|
Ones to Watch (Tomorrow’s Unicorns)
|Nivelo||Provider of financial services intended to help companies go public. The company is building a new venue for midsize companies in the US to go public and stay public, and for all investors to share in the value they create, enabling midsize companies and public investors to come back together on a new and fully compliant market.|
|Selfbook||Developer of a technology-first payment platform intended for hotels to simplify, verify, and unify the direct booking experience. The company’s platform empowers hotels to accept one-tap payments, supporting all global credit and debit card brands as well as digital wallets and alternative payment methods and removes barriers to direct bookings, enabling hotels to drive better conversions, capture mobile bookings, boost revenues and unify the payment flow by effortlessly connecting all of their existing reservation systems and the customers have the easiest and safest way to pay for a hotel stay.|
|Themis||The company is currently operating in stealth mode.|
|FairPlay||Developer of a financial platform intended to finance a client’s growth by investing in performance marketing campaigns. The company’s platform uses advanced data analytics to invest in the client’s digital marketing campaigns, enabling them to have a sales advancement in exchange for a steady share of the revenues or earnings until capital is repaid plus a fixed cost per service.|
|HoneyBee||Developer of a financial wellness platform designed to help employees to manage their personal finances. The company’s platform help in student loans, savings and budgeting, debt management and credit building, enabling clients to have a financially healthy workforce.|
|Pave||Developer of a compensation management platform designed to help companies plan and communicate wages. The company’s platform integrates with the existing payroll software to verify details like past performance, equity vesting status, and compensation benchmarks to streamline salary planning, thus enabling businesses to help employees overcome uncertainty surrounding tax implications and improve their compensation package.|
|Guava||Operator of a digital banking platform intended to cater to the needs of Black small business owners. The company’s platform offers equitable financial products and connections, enabling business owners to grow their business and network along with quick mobile fund transfer and nationwide ATMs with no hidden fees.|
|Pinwheel||Developer of an API platform designed to help employers to reduce their payroll taxes. The company’s platform offers an API layer for payroll data that handles everything from income and employment verification to feasibly switch and manage direct deposit, thereby enabling clients to control their paychecks and add the tax savings directly to their paychecks so that verification is fast, efficient, and has a lower risk of fraud.|
|Catch||Developer of a financial platform intended to help independent people build a modern financial benefits package for themselves. The company’s platform provides benefits for tax withholding, plans retirement savings, provides health and life insurance recommendations, enabling individuals without employer-sponsored benefits to set up and manage their own personal wealth.|
|Bloom Credit||Developer of financial eligibility analysis technology designed to improve the eligibility of people declined for lending products. The company’s technology uses a data-driven approach to offer actionable advice, insights, and guidance working directly with lenders to graduate their applicants through consumer credit analysis, ongoing credit monitoring and alerting lenders as per eligibility requirements, enabling consumers to improve their financial health and loan eligibility.|
|Titan||Developer of an asset management platform intended to help everyday investors to invest and produce high returns. The company’s mobile-first platform has a fleet of open-access actively managed strategies and encrypts all personal information, thereby enabling investors to have an investment experience directly with the end investment managers.|