Live Event: Tribe Africa – How Digital, Blockchain and 4IR Can Make an Impactful Difference Debuts February 28 on Dinis Guarda YouTube Channel

Tribe Africa – How Digital, Blockchain and 4IR Can Make an Impactful Difference To Go Live On February, 28 At Dinis Guarda YouTube Channel

Tribe Africa live event will bring together experts in blockchain and digital transformation, and will take place on February 28 at 6 p.m. GMT + 1 on Dinis Guarda YouTube channel.

openbusinesscouncil, the leading digital business directory and unique integrated App, Communication and Marketplace, DigiClan, a community of Digital Marketers in Africa, and Loose Media, a values-driven Digital Marketing and Media Agency has announced the live event Tribe Africa to be aired on February, 26 at 6 p.m. GMT + 1.

Bringing together digital experts and entrepreneurs, the live conference will focus on how digital, blockchain and 4IR can make an impactful difference in Africa.

A young and diverse continent, Sub-Saharan Africa is home to more than 1 billion people, half of whom will be under 25 years old by 2050. Latest developments in blockchain and 4IR technologies can spur digital transformation in the region. Technologies can make better and a fairer use of the continent’s human and natural resources, which have the potential to yield inclusive growth and wipe out poverty in the region, enabling Africans across the continent to live healthier and more prosperous lives. With the world’s largest free trade area and a 1.2 billion-person market, the continent is creating an entirely new development path, harnessing the potential of its resources and people.

Jewel Okwechime, Lolita Ejiofor, Ized Uanikhehi, Hilton Supra and host Dinis Guarda will make up the lineup of experts and industry leaders who will shed some light on how blockchain and 4IR can effectively make an impactful difference for African people.

The Speakers

Jewel Okwechime is a global environmental leader, expert in change management strategies for Oil and Gas companies. Jewel Okwechime is a fellow & chartered engineer with over 20 years’ experience assisting businesses such as Schlumberger, Woodside Energy, BP, Shell and ExxonMobil. Jewel is the Non Executive Director & Chairman of the Remuneration Committee and Investor relations for the VFD Group Plc. Jewel is also an Oil and Energy Consultant Business Development Manager for Deltic Energy Limited.

Lolita Ejiofor is the General Manager Group Head of IT & Resources at Abbey Mortgage Bank. An ISO 27001 (Information Security) Lead Implementer, with over 20 years of PRINCEII certified Project Management experience in diverse public and private industries ranging from the Government, Transport and Financial Institutions in the UK. She is also an Honorary Member of the Chartered Institute of Banking Nigeria.

She said about the event: “My first passion is leadership and mentoring, especially as a returnee to Nigeria where colleagues are eager to learn and be inspired by progressive changes. I believe we can make a difference with live events like Tribe Africa.”

Ized Uanikhehi is co-founder, MD/CMO of Loose Media, an experiential and digital marketing​ and tech solutions company. With 15 years post-college experience in Technology, Marketing and Digital media, Ized has spent the last 7 years changing the digital marketing landscape of Africa​.

Hilton Supra is a business and financial industry veteran and thought leader. Hilton has more than 30 years of Finance, Investment, Banking and Asset Management experience in international markets namely London, Europe, Africa and Asia. This while having a passion for growing businesses, for fashion and new technologies, especially fintech and blockchain where he has been deeply involved since these technologies inception. Now, Hilton is co-leading the fashion directory fashionabc as well as technology startup Ztudium and techabc.

Host Dinis Guarda is an author, writer, artist, academic, B2B2C tech influencer, inventor and serial entrepreneur. Dinis is a world-renowned thought leader,  strategist, futurist and speaker, an International Bestselling Author, and a media personality who covers the present and future of business, technology and society. Dinis is a World Class Leader in multiple fields and has a passsion to push ideas, action and technology together to create better solutions, narratives and paths.

The Tribe Africa How Digital, Blockchain and 4IR Can Make an Impactful Difference event is due to go live on Dinis Guarda YouTube channel on February, 28 at 6 p.m. GMT + 1.

The Major Business Challenges With Covid and Digital Transformation

Covid-19 pandemic has changed and disrupted all businesses. Covid-19 is also the major digital transformation accelerator, taking the digital economy to new heights. Let’s take a look at the major business challenges with covid and digital transformation and how businesses can get better prepared for the future.

Covid-19 has disrupted the entire world economy. Most businesses have been forced shut their activity for months and while governments all around the world have tried their best to support them, the economic freeze means that many have had to re-invent themselves to the new reality or face closure.

SMEs have been especially hit by the pandemic and as the Covid-19 continues its disruption, the livelihood of many entrepreneurs and SMEs owners have been threatened.

Only in 2020, UK retailers suffered their worst annual sales performance on record, driven by slump in demand for fashion and homeware products, according to the British Retail Consortium (BRC). Likewise, more than 50,000 listed companies worldwide have lost around 19.4 trillion euros in value within the first six weeks of the pandemic. This decline is historically unprecedented
for such a short time period.

Implementing Operational Resilience

The most immediate challenge for businesses is to stay afloat and become resilient by implementing operational resilience to withstand shocks and capture emerging opportunities. In this regard, the maturity of an organization’s operational resilience has the potential to dictate whether an organization will survive crisis situations. The ability to withstand operational shocks and continue to deliver core business processes in such situations
must be seamlessly integrated into the pursuit of delivery excellence, cost efficiency and operational effectiveness.

According to a KPMG report, digital transformation is key in building that resilience as disruptions in technology-driven operations are less likely. “Events like the COVID-19 pandemic can have a lasting impact on market dynamics. Beyond immediate actions, organizations can use such a disruption as an opportunity to reflect on their ability to understand and meet rapidly changing customer demand and behaviors. They can consider actions to increase responsiveness and resilience,” was stated in the report.

The report focus on a series of actions that businesses have to do to implement a resilient operational organization:

  • Reconfigure global and regional supply chain flows, incl. evaluation of near-shore/ in-house options to shorten supply chains and substitute suppliers.
  • Digitize core processes wherever possible to enable remote operations.
  • Re-evaluate strategic technology investments and accelerate programs
    which actively support resilience.
  • Enhance usage of intelligent automation and robotic process automation
  • Consider cyber security as part of the business and acquisition strategy.
  • Establish e-learnings and a collaboration platform to promote new ways of working and maintain employee engagement.
  • Defining leadership that ensures teams do not work in silos and are aligned to the new and updated agenda.
Building resilience in 3 phases. Source: KPMG

The Digital Economy Accelerates

Despite the evident medical emergency, the coronavirus pandemic has also accelerated digital transformation, providing new opportunities, especially for small businesses struggling with the adoption of digital tools.

This accelerated digital transformation is blurring the boundaries of the real and digital economy, as companies must adapt to the crisis and build resilient models for the future.

As Andy Wyckoff, Director, OECD, Directorate for Science, Technology and Innovation explains it in an article: “The digital economy is here, and growing every day, sometimes in surprising ways. Government leaders should be in no doubt about the key role they must play in securing the digital economy’s future as a driver of productive and inclusive progress. (…)

“The digital economy is a powerful catalyst, and a driver of inclusiveness, by linking communities to each other in a sort of “global village”, sharing information, ideas and products, and allowing countries to rise up the value chain.”

Ways to move when it comes to Covid-19 disruption:

  1. Cut the losses, take action and move forward.
  2. Accelerate Digital transformation, connect up with relevant business networks.
  3. Moving fast, get balance while fostering a healthy honest change management mindset with teams.
  4. Managing negativity and information overload with training – focus on coaching & leveraging with industry events and peers.
  5. Selecting what makes sense, training your workforce and adapting towards the right focus.

The digital economy has in fact kept the economy afloat in most parts of the world, with businesses rapidly adapting to the digitization of traditionally reluctant processes like remote working or e-commerce.

Remote Working has surged during the pandemic. The transition to working remote full-time has been a shock to the system—figuratively, and in some cases, quite literally, when user demand has exceeded system bandwidth. But the silver lining is that with such a high percentage of the working population now remote, digital collaboration is improving in leaps and bounds, both in terms of the sophistication of the tools to facilitate it and workers’ level of comfort with it.

Omnichannel Commerce has kept businesses sales alive. As many physical business locations are shut down, consumers are turning to online shopping to meet their needs, even those who had historically been reluctant to do so. like groceries. Businesses are blending the physical and the digital to provide for their customers through delivery methods such as curbside pickup and contactless delivery. Physical-digital integration is more important now than ever before.

Institutions and organizations of all types are trying out digital platforms to stay above water during the pandemic, which has promoted platformification. The fitness industry has shifted to holding virtual classes on streaming services, both live and pre-recorded. Almost every school, from elementary schools through graduate programs, have shifted to online courses. Large-scale conferences and events are being held virtually. The NYSE has moved entirely to online trading. While some businesses will revert to their traditional models when the crisis abates, others may opt for a hybrid approach as they recognize the benefits of recurring revenues.

In Conclusion

For becoming resilience and navigate the covid-19 pandemic, businesses have to do the following:

Businesses need to focus 100% on digital transformation.

Business growth with Covid-19 requires a technology focus first approach!

Collaboration and partnerships are critical and digital and offline have to co-exist!

To Adapt to the Ongoing Crisis, SMBs need to turn to Internet Tools and adapt their business models with tech digital tools.

Businesses will have to learn to Balance Running Businesses while Caring For their Households.

Businesses have to embrace change, adapt with digital transformation + tech mindset.

The Biggest Digital Trends Must-Haves for 2021 at Digital Week Online


From 8-12th March, the Digital Week Online will highlight the biggest digital must haves for 2021 and offers a global cutting-edge Digital Transformation program that highlights the latest trends and issues regarding Women Leadership, DeepTech, Digital Transformation, Blockchain, COVID19 Impact, Smart Cities, FinTech, Privacy & Cybersecurity, Corporate Innovation, Gaming & Entertainment, and more. 

We are facing times of uncertainty. The COVID-19 pandemic has changed how the world works, disrupting businesses and entire industries, impacting our lifestyle, and accelerating digital transformation at a pace never seen before. In light of this, we need to build a narrative that aligns the digital revolution and the innovation and, furthermore, make sure it works for humanity. And Digital Week Online was created to build that narrative.

We are proud to announce that the event is again supported by Invest Hong Kong, the Government of the Hong Kong SAR. This time InvestHK/StartmeupHK is supporting and sponsoring a Startup Pitch Competition on 11th and 12th of March. As well as being one of the world’s most exciting cities, Hong Kong is one of Asia’s most vibrant tech hubs. StartmeupHK can help advise and guide entrepreneurs to make the city their startup home. StartmeupHK is a division of InvestHK, a HK Government Department helping overseas companies set up in the city. Launched in 2013, StartmeupHK’s mission is to promote Hong Kong as a leading startup destination for entrepreneurship and innovation.

Startup Pitch Competition is co-organized by Seedstars, a global community of over 250,000 change-makers, building the inspiring ecosystem for entrepreneurs in emerging markets, and guiding startups throughout their journey. The competition is also supported by one of the most active VCs and accelerators – SOSV/Chinaccelerator. Participation for startups is free of charge with an application deadline on March 3rd, 2021.

As Jayne Chan, Invest Hong Kong, Head of StartmeupHK, said in the last event: “We cannot remain static in today’s world. We can’t have a plan and we think it will work for the next 5 or 6 years because things are changing so fast. COVID changed everything and became a challenge even for a place like Hong Kong, a traditional trading hub. We need to build on our strengths and be able to adapt quickly.”

After two successful events in 2020, Digital Week Online continues gathering the greatest minds and tech leaders all over the world. The expectations are higher than ever: In 2020 we were proud to have 200+ top-level speakers, 100+ professional investors, and 5000 attendees – innovators, government representatives, accelerators, mentors, tech gurus.

The third edition of Digital Week Online – “Pushing off the bottom: Global Tech Transformation” welcomes you to join the expanding community of the world’s top entrepreneurs and innovators.

Ticking all the boxes, this 2021 edition promises to be bigger and better. We are expanding the online platform of Digital Week Online with a virtual AI-powered business matching tool that allows you to grow your network during the entire week. You will be able to reach out to the world’s best professionals, mentors, investors, and innovators.

Speakers list of the event includes representatives and top executives of the Government of Hong Kong SAR, the Government of Malaysia, EU Parliament, the Government of Pakistan, the Government of Ukraine, Hyundai DAC, HSBC, Digital Lending Association of India, and other top-level corporates, governments, organizations.

And proudly announcing a new feature of the 2021 event – the Q&A session. There the attendees will be able to interact with the speakers and get the answers to the most actual questions live.

We’re pleased to announce Bybit to be a Gold Sponsor of the Women Leadership Day (March 8th) and FinTech Day (March 12th). Established in March 2018, Bybit is one of the fastest-growing cryptocurrency derivatives exchanges, with more than a million registered users. Built on customer-centric values, Bybit endeavors to provide a professional, smart, intuitive, and innovative trading experience to better serve traders in a timely manner. Committed to creating a fair, transparent, and efficient trading environment, Bybit offers 24/7 multi-language support as part of its service. To learn more about Bybit, click on the following link below:

Welcome to contact Digital Week Online team if your company is looking for partners, new clients’ channels, friendly introductions, interested in global exposure and business acceleration! There are still several partnership and sponsorship opportunities.

Organizers: Uvecon.Pro , ECIDE, Invest Show

Official website:


Apply for startup pitch competition:

Nozomi Networks Labs Report: Cyber Risk to Critical and Industrial Infrastructure Reaches All-Time High

Nozomi Networks Labs Report: Cyber Risk to Critical and Industrial Infrastructure Reaches All-Time High

Software Supply Chain Threats and Persistent Ransomware Attacks Raise the Stakes for Enterprise Cybersecurity

A new report from Nozomi Networks Labs finds cyber threats to industrial and critical infrastructure have reached new heights as threat actors double down on high value targets. With industrial organisations ramping connectivity to accelerate digital transformation and remote work, threat actors are weaponising the software supply chain and ransomware attacks are growing in number, sophistication and persistence.

“This report leaves no doubt that the time for action is now,” said Nozomi Networks Co-founder and CTO Moreno Carullo. “The recent Oldsmar, Florida, water system attack and the ongoing SolarWinds investigation are dramatic reminders that the critical infrastructure and other systems that we rely on are vulnerable and at constant risk of attack. Understanding the effectiveness of defenses against the emerging threat and vulnerability landscape is vital to success.”

Nozomi Networks’ latest “OT/IoT Security Report,” gives cybersecurity professionals an overview of the OT and IoT threats analysed by Nozomi Networks Labs security research team. The report found:

  • Ransomware activity continues to dominate the threat landscape, growing in sophistication and persistence. In addition to demanding financial payments, Ryuk, Netwalker, Egregor and other ransomware gangs are exfiltrating data and deeply compromising networks for future nefarious activities.
  • Supply chain threats and vulnerabilities show no signs of slowing. The unprecedented SolarWinds attack not only infected thousands of organisations including U.S. Government agencies and critical infrastructure, but it also demonstrates the massive potential for attack via supply chain weaknesses.
  • Threat actors are targeting healthcare. Nation states are using off-the-shelf red team tools to execute attacks and perform cyber espionage against facilities involved with COVID-19 research. Ransomware crews are targeting healthcare providers and hospitals, in some cases disrupting patient treatment.
  • Analysis of 151 ICS- CERTs published in the last six months found memory corruption errors are the dominant vulnerability type for industrial devices.

“Urgency has never been higher. As industrial organisations race toward digital transformation, threat actors are taking advantage of greater OT connectivity to create attacks that aim to disrupt operations and threaten the safety, profitability and reputation of enterprises around the globe,” said Nozomi Networks CEO Edgard Capdevielle. “While threats may be on the rise, the technologies and practices to defeat them are available today. We encourage organisation to act quickly to implement the recommendations in this report.  It’s never been more important or more possible to take the necessary steps to detect and defend critical infrastructure and industrial operations.”

Nozomi Networks’ “OT/IoT Security Report” summarises the biggest threats and risks to OT and IoT environments. The report provides information on 18 specific threats that IT and OT security teams should study as they model threat vectors and evaluate risks across operational technology systems. It includes 10 key recommendations and actionable insights to improve defenses against the current threat landscape.

London’s Remote Jobs Upsurge ‘Risks Widening Inequality’, New Report Finds

  • London’s resilient remote-friendly professional sector could harm lower paid service industries long after lockdown
  • New data shows London has recorded uninterrupted growth in remote working jobs during the pandemic, even when these jobs declined elsewhere in the UK
  • Trend recorded across Europe’s four largest capitals – Berlin, London, Madrid and Paris – and risks aggravating urban inequality 
  • Rising remote working may persist longer in capitals than elsewhere, creating an urgent need for local policies to help the urban workforce navigate change, according to new findings from the OECD and the world’s largest job site Indeed 

The resilience of professional roles in London – in which work can largely be done remotely – could prove the undoing of the capital’s service industry, according to new research by the OECD’s Center for Entrepreneurship, SMEs, Regions and Cities and the world’s largest jobs site Indeed.

London recorded uninterrupted growth in remote working roles during the pandemic, which continued even as the share of remote roles declined elsewhere in the country during periods of lockdown easing[1].

The rise in high paying professional job opportunities in the capital came at the expense of lower paid service based ones, which rely on face-to-face contact with customers and have been decimated by the virus.

The findings raise concerns that the switch to widespread home-working could long outlast lockdown, hold back London’s recovery once restrictions are eased and increase urban inequality.

Analysis of job postings on Indeed shows the share of jobs with remote working is 2.6 percentage points higher in London than the average around the UK, excluding the capital.

Londoners are significantly more likely than their counterparts outside their capital to work in jobs like tech, finance, law and marketing – roles that make it easier for them to work remotely.

The share of remote roles as a proportion of all jobs boomed during the UK’s first national lockdown last spring, when Government guidelines urged people to work from home wherever possible.

But although the share of remote working job postings began to fall widely in the UK once restrictions were eased in the summer, this was not the case in London.

Similar findings have been made in Spain, France and Germany, raising concerns that the rise in remote work could hold back recovery in their respective capital cities when economies start to reopen.

Chart: Remote jobs in Europe’s largest capitals grew throughout the pandemic

Workers in the service sector, such as hospitality and tourism, will be even more reliant on office workers’ custom and footfall when the economy reopens due to continued uncertainty about when tourists will be encouraged to visit the UK for holidays.

Findings by the Economic Statistics Centre of Excellence suggest the resident population of London may have fallen by nearly 700,000 people, representing around 7% of the population[2], raising further questions about how well the UK capital may bounce back from the pandemic this year.

At the lowest point, job postings in London were down 57% on pre-pandemic levels, compared to 48% in Madrid, 42% in Paris and 26% in Berlin. During much of 2020, job postings in these cities were down 5 to 15 percentage points more than the rest of their respective countries.

Job postings still remain far lower than a year ago, down 41% in London, 26% in Paris, 25% in Madrid and 8% in Berlin. London has since narrowed the gap with the rest of the UK, though mainly because postings outside the capital recorded another slump.

Chart: Job postings in major European cities have not recovered 

Any persistent decline in economic activity in Europe’s capital cities could prove troubling for countries more widely. In the years before the pandemic, GDP per capita rose by more than 12% in London, Paris, Madrid and Berlin, almost 3 points faster than national growth[3].

Pawel Adrjan, Head of EMEA Research at the global job site Indeed, said: “Remote working will outlast the pandemic, especially in London and Europe’s other major cities, and while greater remote opportunities will benefit millions of people and businesses, it is likely that there will be winners and losers.

“Our research shows that postings for highly-paid remote jobs in cities like London have been more resilient to the pandemic than lower-paid job opportunities in services, which not only risks a difficult adjustment for some urban workers but may aggravate urban inequality.

“While the pandemic is unlikely to eliminate the huge agglomeration benefits and amenities that have drawn people and jobs into big cities for decades, the trends COVID-19 has initiated might weaken those cities’ appeal to some workers, some of whom could already be considering quitting places like London or not returning.

“Real-time data such as online job postings offer very timely information on the situation of local labour markets and offer new insights into underlying trends such as reallocations across sectors or shifts towards new ways of working, including teleworking.”

Lukas Kleine-Rueschkamp, Economist at the Organisation for Economic Co-operation and Development, said: “Our analysis shows that major cities face a difficult adjustment period for their economies and labour markets, with some sectors and occupations having been hit particularly hard by the pandemic.”

“The economic repercussions of the COVID-19 pandemic risks pulling apart urban labour markets, as some jobs and sectors have been relatively well protected during the crisis while others have experienced great difficulty in operating and maintaining their business model.”

“To manage the transition to the post-pandemic world, policy makers need to take actions that support workers at the greatest risk of redundancy or already on short-time work schemes by helping them develop skills aligned to the new demands of their local economy.”

“To mitigate the impact of the labour market adjustment period in major cities, local career guidance should be closely linked to adult learning programmes. Measures should also strengthen the ability of local economies to ‘rewire’ by making it easier for workers to shift industries.”

DeFi: Building An Open-Source & Decentralized Financial System

Decentralized Finance (DeFi) aims to recreate the traditional financial system with fewer frictions. It is mainly composed by open source platforms, accessible by anyone and driven mainly by automated computer programs and less and less by centralized entities and humans.

What is DeFi?

DeFi, short for Decentralized Finance, is a decentralized open-source system that allows for code smart contract driven stratagems to use in traditional financial – society activities such as banking, lending, borrowing, supply chain, structuring derivative products. By its nature, it encourages the purchase and sale of securities to be carried out through digital networks of blockchain nodes without the need for intermediaries.

The 4 Primary Features of DeFi

1. Permissionless:

A DeFi system’s foundation blockchain is permissionless, hence allowing anyone to access the applications on a DeFi protocol and trade over the network without requiring anybody to sanction it.

2. Open Source and Transparent:

The code is visible to every user, allowing everyone on the network to audit it and verify its security + functions.

This transparency of the network doesn’t tamper with the users’ privacy either, since all users are identified by their digital signatures (like a social media username).

Open-source coding ensures DeFi’s credibility.

3. Interoperability:

DeFi is very easily compatible with the integration of other applications, so DeFi always has the scope to expand further, offer new financial services, or develop new financial marketplaces.

4. Accessibility:

Anyone with a computer/smartphone and a decent internet connection from any corner of the world can join a DeFi network.

DeFi are based on Synthetics

Synthetics are a financial instrument or product that is meant to simulate other financial instruments while altering their key characteristics. The functionality of a financial instrument can be achieved through a blend of different financial instruments, as well.

Synthetic tools include tools for Asset Management, Analytics, Crypto Lending & Borrowing, Margin Trading, Decentralized Exchanges, DeFi Infrastructure & Dev Tooling, Insurance, Marketplaces, Derivatives, Staking, Tokenization of Assets, Payments, stablecoins..

The vast majority of DeFi systems are currently created using blockchain platforms with smart contract capabilities such as Ethereum, but other platforms could also serve as base.

Centralized vs Decentralized Finance

In centralized organizations, primary decisions are made by the person or persons at the top of the organization.

Decentralized organizations delegate decision-making authority throughout code & the organization.

Advantages of decentralized organizations include increased expertise at each division, quicker decisions, better use of time at top management levels, and increased motivation of the community.

DeFi solutions will have an increasing significant impact on the financial industry & society.

Challenges of decentralized Finance

Some of the most prominent risks present in the DeFi field come from issues regarding tech smart contracts, cybersecurity, governance, user error, market volatility, lack of insurance on loans & potential failure of the price mechanism.

But maybe, the biggest challenge to date is the lack of structured governance and accountability.

That is why DeFi needs strong governance entities, as otherwise it can become unclear who should be held accountable for potential wrongdoings or failures.

When problems arise, DeFi needs certified governance parties that can take actions to freeze transactions, fix problems and restore normal operations.

Opportunities of decentralized Finance

Decentralized platforms facilitate combinatorial innovation.

In a DeFi ecosystem, technologies are building blocks for solutions, promoting new combinations + products for communities.

Combinatorial DeFi platforms innovation is made possible by permissionless innovation and open sourcing smart contracts AI driven platforms.

DeFi applications and platforms—such as Bitcoin, Ethereum, and — share their core technologies through permissive open-source licensing, allowing anybody to make use of their core technologies as well as to build new applications on top of them

The DeFi Market Size and Growth Forecast

2020 Was the Year of DeFi. The dollar value of assets locked in DeFi protocols closed out the year above $13 billion, demonstrating 2,000% growth since January. This goes hand-in-hand with the massive growth of the DeFi tokens market, which soared to $29.394B in total Market Capitalization.

DeFi token market cap

DeFi biggest sectors so far:

1. Trading and Marketplaces
2. DEXes/ Decentralized Exchanges
3. DeFi derivatives
4. Tokenization
5. Stablecoins
6. Synthetic Assets
7. Lending and Borrowing:
8. Asset Management
9. Insurance
10. DAOs/ Decentralized Autonomous Organizations
11. Payments
12. Decentralized Marketplaces
13. Identity
14. Gaming

Top DeFi Platforms & Tokens

As for the blockchain used, Ethereum and EOS dominate the DeFi lending marketplace.

While most DeFi lending apps are built on ethereum, EOS commands a big amount locked by a blockchain.

Non-custodial type platforms and protocols are Dharma, Compound, Maker, Nuo Network, dYdX, Fulcrum, ETHLend…

BlockFi and Nexo are examples of the custodial type platforms.

MakerDAO, Dharma, and Compound represent nearly 80% of the total ETH locked in DeFi platforms.

Compound is an Ethereum-based money market protocol for various tokens. It supports BAT, DAI, ETH, USDC, REP, ZRX tokens.

Every asset market is connected to the cToken (cBAT), which acts as an intermediary token for all transactions and lenders earn interest through the cTokens. This is a liquidity pool type P2p platform.

Maker’s Dai stablecoin is probably the most well-known and widely used synthetics in DeFi.

Supporting DAI and ETH tokens, the Ethereum-based platform allows a user to borrow DAI, which maintains a soft peg in USD, by placing ETH token in reserve in Collateralized Debt Position (CDP).

The top 5 DeFi tokens by market cap are:

Aave – AAVE (Total Supply: 16,000,000 AAVE)

Aave is a leading lending protocol that leverages a native token AAVE to secure the protocol and participate in governance. Aave is currently undergoing its migration from LEND to AAVE at a rate of 100:1, which you can do through the Migration Portal. AAVE can be staked via the Safety Module for AAVE rewards.

Synthetix – SNX (Total Supply: 190,075,446)

Synthetix is a leading derivatives protocol backed by a native token SNX. In order to mint new derivatives – called Synths – users must stake at least 750% of the Synths value in SNX. Maintaining this ratio – referred to as a cRatio – allows users to earn native inflation along with a pro-rata portion of trading fees from the Synthetix Exchange.

yEarn – YFI (Total Supply: 30,000 YFI)

yEarn is an automated liquidity aggregator offering a number of different yield farming opportunities. The protocol is governed by a native token – YFI – which was launched with no premine and did not hold an Initial DEX Offering. Users can stake YFI to participate in governance and claim a pro-rata share of protocol fees.

Uniswap – UNI (Total Supply: 1,000,000,000 UNI)

Uniswap is the leading decentralized exchange in DeFi. In mid-September, Uniswap airdropped 15% of its supply to past users through a program marked ‘UNIversal Basic Income‘. Today, UNI can be earned by providing liquidity to select pools and will eventually be used for governance as a larger portion of the supply is issued.

Sushiswap – SUSHI (Total Supply: 250,000,000 SUSHI)

SUSHI is the governance token of the Sushiswap AMM and lending protocol. It is earned by LPs by providing liquidity to select pairs on Sushiswap, and can be staked via the Omaske bar to earn protocol fees and issuance. SUSHI is also used to vote on new Onsen launch partners, or projects that receive added SUSHI rewards for conducing an Initial DEX Offering through Sushiswap.

Decentralized finance (DeFi) has witnessed staggering growth in 2020. And it has just started as 2021 will be much bigger. There are now more than $26.7+ billion locked in Ethereum DeFi platforms while DeFi platforms have more than 500,000 users.

DeFi – The Future of Finance and Crypto

DeFi blockchain technology will reduce  involvement of centralized institutions, encourage experimentation, and broaden access to financial services, decentralized currencies, contracting and payments, funding

DeFi decentralized business models will reshape all the existing industries, starting by finance and will create a new radical decentralized landscape for businesses governments  where entrepreneurship + innovation will share community empowered new business reward models.


DeFi is starting to change all the financial industries but will have major impact in governments, businesses and society.

But not all society can be objectively codified or publicly recorded on blockchains, DeFi will need inputs to a global tech financial , business + governance systems of distributed trust.

“We are a stone’s throw away from the global financial industry running on a common software infrastructure.”  Lex Sokolin, Global Fintech Co-Head of ConsenSys

Whether you are looking for insurance, exchanges, staking solutions, or most other financial tools and services, odds are you will be able to find a DeFi platform that has it covered.

But bear in mind not all DeFi platforms have been rigorously tested or have been audited by third parties, and many are still considered experimental.

Although we are still in the early days of DeFi, the potential it holds to disrupt finance – society is unmatched.

Eric Ma – CEO BTCU Ultimatum, Former Community Manager CoinMarketCap, Digital Blockchain Crypto Leader

Eric Ma is the CEO of BTCU. An expert in crypto and community building,  Eric became Global Community Manager for CoinMarketCap – the world’s leading platform source for crypto market capitalizations, pricing and information in 2018. Eric later took the role of CEO at BiONE Exchange, a cryptocurrency exchange based out of Singapore. In 2020, he was approached by BTCU to become the CEO of the company.

Eric studied at the University of Wisconsin-Madison and majored in Landscape Architecture. As a landscape architect he gained project management experience which laid the foundations of working with global teams and project strategy. After 10 year of experience in project management he switched careers and got into human resources. In his next company, Eric managed a big network of international educators in an institution out of Taiwan. 

Eric Ma Interview Questions

1. Profile and background
2. Career highlights
– CoinMarketCap
– BiONE Exchange
3. BTCU vision
4. BTCU product and road map
5. Major areas around BTCU fork
6. What are the most important things on BTCU atomic swaps
7. How BTCU wants to make a difference
8. BTCU projects with tokenization of services for cities
9. BTCU projects with tokenization of property and marketplace
10. Token exchanges and goals for community

Eric Ma Interview Notes

About Eric Ma’s background. After coming into the crypto industry I realized that people in the industry came from all walks of life. Although most come from the finance industry many come from other disciplines.

Experience at BiONE. When I joined the team I would say that most of the customers were in China. They wanted to improve the platform, grow their customer base and performance overall. We launched a revamped version of the business just within 6 months since I got there. However I wasn’t really keen on the future of the exchange industry so I decided to make the move when I was approached by BTCU.

About CoinMarketCap. I was kind of the face of CoinMarketCap. As the global community manager, I was the one to approach the community, projects and exchanges. I also was the first person of contact for our community and engaged and interacted with our community. As a matter of fact, CoinMarketCap has been a premier price-tracking website for cryptocurrencies. It is the most referenced and trusted source for comparing thousands of crypto entities in the rapidly growing cryptocurrency space by users, institutions, and media.

What is BTCU?. BTCU is not just a fork for Bitcoin but much more. We all know that Bitcoin is more than just a store for value, it is also a peer to peer payment network. What we are trying to do at BTCU is leverage what Bitcoin can offer. We are building a next-gen blockchain based on Ethereum that would allow us to tokenize assets which can apply to different projects and companies outside the scope of cryptocurrencies. Our solution also aims to improve the current unstainable PoW with a new algorithm, making it more democratic, scalable, efficient and sustainable.

What’s the future for BTCU? With the fork, we will be doing an airdrop of BTCU tokens across a network of exchanges. We have the code of our testnet on Github so developers and the public can test it and look for bugs and collect bounties. We always welcome feedback. After the fork we will continue to develop BTCU as established in our roadmap. Some of the developments include the addition of the smart contract system which would allow for atomic swaps.

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Eric Ma Links

Ryan Abbott, MD, JD, PhD & Professor of Law and Health Sciences – Artificial Intelligence And Law

Ryan Abbott, MD, JD, MTOM, PhD is Professor of Law and Health Sciences at the University of Surrey School of Law and Adjunct Assistant Professor of Medicine at the David Geffen School of Medicine at UCLA. Professor Ryan Abbott is highly regarded for his scholarship, teaching, and professional activities.

Ryan Abbot Questions

1. Profile and Background;
2. Career
3. Academic background
4. You wrote the Book author of The Reasonable Robot: Artificial Intelligence and the Law published in 2020 by Cambridge University Press. Can you tell us about the book?
5. How do you see the Challenges of AI in general when it comes to Robotics?
6. Can you highlight some of your work on the World Intellectual Property Organization AI?
7. World Intellectual Property Organization AI case studies
8. Case study as AI Artificial inventor project
9. Human to human, human vs machine, and machine to machine how do you see these interactions of our time?
10. You wrote this article Punishing Artificial Intelligence: Legal Fiction or Science Fiction with Alexander Sarch can you elaborate on this?
11. AI and health sciences and healthcare. How do you see this special if we bear in mind the case study of the nazis using IBM machines for doing mass murder?
12. Cases studies you want to highlight from your work in the areas of AI and life sciences?
13. At the moment we have all the sectors of legal tech and regtech. As AI and Law main areas grow and position new possibilities, what areas you would like to highlight given your research?
14. You have a lot of work working in the areas of Patent and Trademark Offices. What areas you would like to highlight given your research special in the context of tech startups and innovation?
15. You wrote a paper in 2011 looking at complementary, alternative and integrative medicine. Can you elaborate on this and also the possibilities special as a low tech historical contrabalance with all the tech and AI advancements?
16. We touched a lot of the advances of AI and law and a bit on ethics. How do you see the challenges of human DNA engineering and life sciences life expansion?

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Ryan Abbott Biography

Professor Ryan Abbott is the author of The Reasonable Robot: Artificial Intelligence and the Law published in 2020 by Cambridge University Press, and he has published widely on issues associated with law and technology, health law, and intellectual property in leading legal, medical, and scientific books and journals. Professor Abbott’s research has been featured prominently in the media, including in the New York Times, Financial Times, Forbes, and VICE. He routinely gives keynote lectures and presents internationally in academic (e.g., MIT, Stanford, Oxford, Cambridge), government (e.g., World Intellectual Property Organization, World Trade Organization, UK Intellectual Property Office), and industry (e.g., AIPPI, American Chemical Society, INTERPAT) settings. Managing Intellectual Property magazine named him as one of the fifty most influential people in intellectual property in 2019.

Professor Ryan Abbott has worked as a partner in legal practice, and he has been outside general counsel to life science companies. He has served as a consultant or expert for international organizations, academic institutions and non-profit enterprises including the United Kingdom Parliament, European Commission, World Health Organization (WHO) and the World Intellectual Property Organization (WIPO). Professor Abbott has also worked as an expert witness which has included testifying in U.S. federal court.

Professor Abbott is a CEDR-accredited mediator and a Fellow of the Chartered Institute of Arbitrators (FCIArb). He is a mediator and arbitrator with JAMS and a panelist with a variety of national and international dispute resolution service providers. Prior to that, Professor Abbott has worked as a partner in legal practice, where he primarily focused on transactional matters and intellectual property litigation in the life sciences, and he has been general counsel of a biotechnology company.

Professor Ryan Abbott is a licensed physician, attorney, and acupuncturist in the United States, as well as a solicitor advocate in England and Wales. He is board certified by the American Board of Legal Medicine.

Professor Abbott is a graduate of the University of California, San Diego School of Medicine (M.D.), the Yale Law School (J.D.), the University of Surrey School of Law (Ph.D.) as well as a Summa Cum Laude graduate from Emperor’s College (M.T.O.M.) and a Summa Cum Laude graduate from University of California, Los Angeles (B.S.). He is a registered patent attorney with the U.S. Patent and Trademark Office and a member of the California and New York State Bars. He is also a Senior Fellow of the Higher Education Academy (SFHEA).

About The Reasonable Robot: Artificial Intelligence and the Law

The Reasonable Robot confronts the impending clash of AI and the law through a series of chapters that examine some of the major areas that will be impacted by the rapidly advancing technology. Abbott guides the reader through an insightful journey that analyzes how we ought to regulate the confluence of AI and fields like tax, criminal law, patent and copyright law, and tort liability. Abbott’s fundamental thesis is that, where AI and these fields – among many others – intersect, there ought to be legal neutrality. In other words, the law should not discriminate between AI and human behavior.

This thesis, should it be realized, has massive implications for our common future. It will level the playing field between robot and human workers to prevent inefficiently subsidizing automation through taxes. It could help usher in a world of autonomous vehicles, which could amount to one of the major public health breakthroughs of the 21st century considering how many deaths and injuries occur because of human drivers. It could mean more innovation, creation, and increased standards of living. This book, the thesis it sets forth, and the ideas it imagines are novel, barrier-pushing arguments.

Ryan Abbott Links & Sources

Hans Henrik Christensen, VP Dubai Silicon Oasis Authority (DSOA) – Building Dubai Tech Hub

Hans Henrik Christensen is an accomplished senior level leader and Vice President of Dubai Silicon Oasis Authority (DSOA). With more than 20 years international operational expertise in general management and corporate innovation, Hans Henrik Christensen successfully acted as CEO for three companies and today leads the award-winning corporate business innovation and venture investment department with a team of 20 employees and a record setting 900 start-ups as tenants, called Dtec.

Hans Henrik Christensen’s career is highly recognised, winning 10 awards and creating the biggest and most profitable tech hub in MENA. Exploring challenging chief executive positions.

Hans Henrik Christensen Questions

1. An introduction from you – background, overview, education…

2. You finished recently researching and PHD studies. Can you tell us about it?

3. Coming from Denmark and the Nordics, studying in USAm working in Latin America and now in Dubai, UAE and the Middle East, which major cultural background things and differences did you find?

4. Can you tell us about DSO – Dubai Silicon Oasis?

5. You are a member of the DSOA Smart City Committee and of the DSOA Dubai Islamic Economy taskforce. Can you tell us about it?

6. The DSO has been building an ecosystem of companies and innovation in Dubai. Can you tell us about its history, some numbers and present focus? How big is the DSO ecosystem?

7. Which sectors and industries are stronger in the startup sector and business network in Dubai, Middle East and its neighbours in North Africa?

8. For investors and companies from all over the world what are the most important and strength, things they can find in DSO?

9. How do you see the biggest challenges when it comes to the startup and business world, special when it comes to the concepts of Society 5.04IR and all areas of digital transformation, special in the context of DSO and UAE?

10. With Covid-19 what ways do you envision to redesign our society? Especially now with all new developments in technology and social empowerment and related impact?

Hans Henrik Christensen Interview Notes

About Dtec. Dtec is an integrated entrepreneurial ecosystem that provides everything entrepreneurs need to set up a new business in Dubai. We have created a great coworking space, we provide help with company formation in Dubai and we do events for entrepreneurs to learn and meet with other entrepreneurs.

Dtec is an initiative of Dubai Silicon Oasis Authority, Dtec is designed to conveniently set up a new business in Dubai. From 100% business ownership, visa processing, 24/7 access, high speed wifi, a range of creative meeting and events spaces.

Through our Dtec Ventures, which is the venture capital fund of Dubai Silicon Oasis Authority and part of Dtec, we invest in early-stage technology companies in the MENA region with a nucleus to Dubai, that are disrupting or enabling traditional industries.

Dubai Digital Park. An initiative of Dubai Silicon Oasis Authority is Dubai Digital Park. This is Dubai’s first smart city and is the ultimate business and living environment with its unique mix of office, residential and retail outlets.

What we want to achieve with the Dubai Digital Park is more than a coworking space, we want to build a lifestyle destination. Located amidst the promenades of boutiques and cafés in Dubai’s first smart city you can start your day with a fresh coffee, meet business leads in one of the many restaurants and relax after a busy working day in the central square, designed to host a full event program of concerts, promotional activities and festivals.

Dubai Digital Park is meant to offer a complete ecosystem with the capability to grow organically. That is why whether a startup, a corporate, an investor or a service provider, our range of small offices, corporate labs, acceleration spaces and more will provide everything they need. Dubai Digital Park will house coworking, acceleration programs, corporate innovation and a full program of events and networking opportunities designed to create the perfect startup ecosystem.

Business trends in Dubai. Dubai is a growing tech startup ecosystem, recognised in the whole Middle East region and worldwide. Due to the pandemic, we have seen a massive growth in Healthcare and healthtech startups and new initiatives. Deep tech, high tech, material tech, food tech, space tech, robotics are also important and we are seeing interesting projects happening right now here. Fintech of course is also important.

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Hans Henrik Christensen Biography

Hans Henrik Christensen is currently serving as Director of Dtec, the largest technology entrepreneur centre of its kind in the Middle East housing 700 Tech start-ups and incubators, labs and soon also accelerators. As the Director of Dtec, Hans Henrik Christensen’ responsibility is to lead a team that manages a co-working, incubation and growth investment unit supporting start-ups and entrepreneurs from 64 nationalities with running their ventures. Additionally he serves on the board of several start-ups.

In his 20+ years’ experience, he has become a specialist in building up departments in large organisations and starting small companies in South America, Europe and the UAE. In that regard, Hans Henrik Christensen has successfully attracted venture capital to several start-ups and held important global positions in large IT and financial institutions. Hans built-up and directed the team of the only technology incubator of Siemens ICN and ICM, successfully spinning off Garderos Software Innovation GmbH, a company specialised in access gateway software and routers for fixed and wireless hotspots.

Hans Henrik Christensen is a member of the DSOA Smart City Committee and of the DSOA Dubai Islamic Economy taskforce. The Smart City concept is based on creating a new approach to managing cities of the future. The Islamic Economy initiative targets building a technology centre focusing on start-ups and Muslim consumers using the seven pillars of the Islamic economy as guidance.

Hans holds a BA in Economics and Finance from Bentley University, and is currently finishing his EMBA at Hult International Business School.

Hans Henrik Christensen Links & Resources

Linda Goetze – Emerging Tech Thought Leader, Blockchain Educator and Connector

Interview Linda Goetze – Emerging Tech Thought Leader, Blockchain Educator and Connector

A global thought leader, educator and connector, Linda Goetze, M.Ed., has been engaged with blockchain technology since 2012. Co-Founder and EVP DFM Data Corp. Former President/CEO Blockchain Chamber of Commerce. Linda is a leading global recognised Emerging Tech Thought Leader, Educator, International Keynote, Ethical Investor, and as she says: “Leading to Serve”. Linda is a member of Mensa and former CEO of Balancing Health, Linda helped establish the Atlanta Neurotherapy Institute. Linda is an advocate – Fundraiser/Contributor, Bloom in the Dark, Inc.

Educating about cutting-edge technology brings me joy. If you want to better understand or engage with dynamic freight matching, digital agents, electrolyzed-reduced water, or distributed ledger technology (DLT), I’d love to point you to powerful resources that could be life-changing.

Personal experience with Bitcoin and Blockchain since 2012 lends perspective as Linda helps individuals and businesses enter the Crypto Age with confident caution. A blockchain-enabled universal framework of things will reshape global commerce and community — growing with the opportunity, rather than being made irrelevant by it, is vital.

Linda believes perspective is key so she is daily working to connect with founders, developers, business builders, innovators and other proponents of positive change around the world. Linda is engaged in building ecosystems or tools to facilitate the adoption of emerging technology into daily work and life – especially in the SupplyChain Vertical.

Linda Goetze Interview Focus

1. An introduction from you – background, overview, education… from scientific education to business and technology?

2. You were educated and brought up in multiple places and locations in the world. Can you tell us about it?

3. Can you get us some of your career highlights so far special regarding your work with Blockchain Chamber of Commerce?

4. You mentioned the 12 verticals of Blockchain?

5. Your company / companies, organisations and focus?

6. How do you see blockchain, AI4IR and all areas of digital transformation?

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Linda Goetze Links and Sources