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Sunderland

A Sunderland man who displays classic signs of alcoholism is an “easy target” for police to arrest, his solicitor told a court. Gerry Armstrong said client Gavin Sproat, 37, is often unsteady on his feet and talking loudly in public – both indicators of being boozy.

https://www.bing.com/th?id=OVFT.tdAPDwlI3TD_Im_CN5eZZi&pid=News

Public intoxication

Sunderland Echo

Sunderland man arrested for being drunk and disorderly outside Wilko was 'easy target for police', claims solicitor

https://www.bing.com/th?id=ODF.Peb0ESaLIxuFG5ohUJxPew&pid=news

Sunderland Echo on MSN.com

Get the most recent info and news about Zetl on HackerNoon, where 10k+ technologists publish stories for 4M+ monthly readers.

Zetl offers growth financing through various products to help with business expansion and working capital needs. Our core products are Revenue Share, Wage Layer, Credit Line and Invoice Financing. It’s Zetl’s mission to finance the next generation of businesses in Asia-Pacific. These businesses often don’t have equipment, inventory, or property which they can use for financing. They also are often young companies without a multi-year operating history. Zetl offers flexible financing solutions that are confidential and require no personal guarantees.

Zetl

HackerNoon Reporter: Please tell us briefly about your background. Hi, I’m Shan, a serial fintech entrepreneur. I was born in the UK but grew up in Tokyo, Singapore, and Hong Kong. I used to work in banks and hedge funds but have been running various startups since then, including a personal project to launch 12 startups in 12 months! What's your startup called? And in a sentence or two, what does it do? We’re called Zetl because we help our customers ‘settle’ their bills! We specialize in providing growth and working capital to services-based businesses–think tech companies, staffing agencies, and consultancies who are typically underbanked even by other fintech. Typically we find that our customers have long payment terms with their clients which creates a mismatch between cash flow as they need to pay their staff every month. Our products eliminate that month-end payroll stress and ensure that staff wages are always met on time. What is the origin story? Each of the co-founders has experienced or seen how underbanked the new generation of businesses in APAC is. For me, it was when I was running a previous startup and I had to empty my personal bank account to bridge long payment terms and ensure that I could pay my staff on time. Unfortunately, this is a very common experience amongst entrepreneurs in APAC. This was an intensely difficult period personally and it shocked me that there were no alternatives. My goal with Zetl is to ensure that other entrepreneurs don’t have to go through the same painful experience that I did. What do you love about your team, and why are you the ones to solve this problem? Despite being a distributed by default team we’ve managed to build a really close, collaborative culture. Teammates are regularly helping each other out and the level of transparency in our work is a key advantage that we have. I’m most proud of this culture that we’ve built–everyone who’s come through our internship program has pointed these qualities out! If you weren’t building your startup, what would you be doing? Building another startup! At the moment, how do you measure success? What are your core metrics? We measure our success based on our average 12-week trailing revenue growth rate. Our target is 3.5%/week and we’ve been consistently beating that this year! Other metrics include customer retention, time-to-financing, and default rates (0 to date!). What’s most exciting about your traction to date? The fact that most of our business has come via referral is really exciting. Customers are happy to leave us 5-star reviews on Trustpilot too which is really encouraging. Our actual performance has also been much better than projected– both average revenue per customer and retention is much higher than we expected. Plus we’ve had no defaults since we launched! What technologies are you currently most excited about, and most worried about? And why? We’re most excited about the adoption of cloud software across the SMB space in Asia-Pacific. This will open up a whole new way of supporting and financing such businesses. We’ve been able to work with customers much faster thanks to the adoption of cloud accounting software as an example. Not concerned about tech per se, but I worry that the move to remote work will create a lot of disruption in the labor market. The skill gap is only going to widen and many will find themselves suddenly unable to compete with remote labor in other markets. Retraining these people and ensuring that they can continue to earn a living is going to become very important to ensure that they don’t get left behind. What drew you to get published on HackerNoon? What do you like most about our platform? I’ve always been a big fan of the type of content on HackerNoon. I’ve found it in-depth and actionable unlike a lot of other similar media. Looking back through my inbox now I see I’ve been following HackerNoon in some shape or form since July 2016, exactly 5 years ago! What advice would you give to the 21-year-old version of yourself? It’s time to move on when your learning curve plateaus. It can be scary to jump ship from a space you’re familiar with and know a lot of people in but if you don’t take the plunge you’ll never make it to the next level. Growth only occurs outside of your comfort zone. What is something surprising you've learned this year that your contemporaries would benefit from knowing? If you’re in a leadership position, your role is essentially always that of a people-oriented salesperson. My calendar is now increasingly filled with meetings, whether internal or external. I’m speaking to customers, investors, employees, prospective hires, regulators, partners, etc. This is a fundamental shift from those early bootstrapping days where on balance you get/have to spend a lot more time in ‘building’ mode. Given that I naturally gravitate towards this ‘building’ mode, I’ve learned to ensure that I should focus on the right things to grow the business. Vote for Zetl as now! the startup of the year in Wan Chai

Startup Interview with a Serial Fintech Entrepreneur Shan Han, CEO of Zetl

ON THE DISTRIBUTION AND GROWTH OF CORAL-REEFS

PIGS—CATTLE—SHEEP—GOATS.

In 2021, hosted the first-ever awards!! HackerNoon Startup of the Year The goal of this campaign was to give recognition to the hardworking startups who pulled through the pandemic -- growing and thriving (despite all of the challenges). More than 44,000 startups were nominated all across the globe! They were selected from over 4,553 cities, with a total number of * cough * “4 billion” votes. Insane, right? To see who is a winner in each respective city, visit and pick a city. The name at the top of the list is the winner. (Compromised awards are under review. Cities with tie votes will be updated to have two winners!) startups.hackernoon.com The will announce the winners per region in their respective cities. Startups Winners Announcement series Here are the winners in the : Asia region Top Startup Cities in East Asia Seoul The Startup of the Year in is with 377 votes! Seoul dable Central is the Startup of the Year! It came out ahead with 121 votes. UpNow Central Sheung Wan came out as the Startup of the Year in with 154 votes. Votee Sheung Wan Tokyo The Startup of the Year in is with 41 votes! Tokyo ACES Wan Chai The Startup of the Year in is with 54 votes! Wan Chai Zetl Osaka, Japan In , is the winner! Osaka Nanophoton Taiwan came out as the Startup of the Year in ! Tico Taiwan Dongcheng, China In , is declared the Startup of the Year! Dongcheng Waiju Taipei came out as the Startup of the Year in ! Tico Taipei Akasaka In , is the winner! Akasaka WAKUWAKU Chuo In , is declared the Startup of the Year! Chuo GO-NET Ginza came out as the Startup of the Year in ! Netyear Ginza Kanazawa In , is the winner! Kanazawa Granzella Minami-aoyama In , is declared the Startup of the Year! Minami-aoyama Tokyo6 Entertainment Shibuya came out as the Startup of the Year in ! Hupro Japan Shibuya Toranomon In , is the winner! Toranomon Small Worlds Toshima In , is declared the Startup of the Year! Toshima Altplus Guangzhou, China came out as the Startup of the Year in ! Leyaoyao Guangzhou Hong Kong, Hong Kong In , is declared the Startup of the Year! Hong Kong Episode Six Kunming In , is the winner! Kunming Green A Sapporo In , is declared the Startup of the Year! Sapporo Polar Star Space Shirokanedai came out as the Startup of the Year in ! Nupp1 Shirokanedai Wuhan In , is the winner! Wuhan CSICEE Baoan, China In , is declared the Startup of the Year! Baoan Jumper Baoshan, China In , is declared the Startup of the Year! Baoshan Renren Games Chengdu, China came out as the Startup of the Year in ! Ju You Xi Chengdu Fujisawa, Japan In , is the winner! Fujisawa Scohia Pharma Fukuoka, Japan In , is declared the Startup of the Year! Fukuoka Kyulux Haidian, China came out as the Startup of the Year in ! 51vv Haidian Hongkou, China In , is the winner! Hongkou Kidstone Jiading, China In , is declared the Startup of the Year! Jiading IMRobotic Kawasaki, Japan came out as the Startup of the Year in ! QD Laser, Inc. Kawasaki Kyoto, Japan In , is declared the Startup of the Year! Kyoto Hacarus Minato, Japan In , is the winner! Minato Visionary Fun Nagoya, Japan came out as the Startup of the Year in ! Prodrone Nagoya Ningbo, China The winner in is . Ningbo OlymTech Corporation Aomori In , is declared the Startup of the Year! Aomori Forte Japan Bandai-cho In , is the winner. Bandai-cho Delta-Fly Pharm Changchun In , the Startup of the Year is . Changchun Kaidi Animation Fuchu In , is declared the Startup of the Year! Fuchu TMS Fukuoka-shi The winner in is . Fukuoka-shi SkyDisc Fukushima In , the Startup of the Year is . Fukushima Matsuri Technologies Gotanda In , is the winner. Gotanda Basset Hachioji In , is declared the Startup of the Year! Hachioji Adriakaim Harbin The winner in is J . Harbin oining Technology Iwaki In , is the winner. Iwaki Tao Engineering Izumo In , the Startup of the Year is . Izumo PuREC Kagoshima In , is declared the Startup of the Year! Kagoshima Farmers Support Kamakura In , the Startup of the Year is . Kamakura KAYAC Kami-meguro The winner in is . Kami-meguro Buzzreach Kanagawa In , is the winner. Kanagawa LoiLo Kashiwa In , the Startup of the Year is . Kashiwa Intelligent Surfaces Kita In , is declared the Startup of the Year! Kita Ax Robotix Kobe The winner in is . Kobe Coconomi Koriyama In , the Startup of the Year is . Koriyama Tocoton Kumamoto In , is the winner. Kumamoto Bloom Technology Kunitachi In , is declared the Startup of the Year! Kunitachi Trys Liaocheng The winner in is . Liaocheng Jinzheng Animation Minami In , is declared the Startup of the Year! Minami ATLAB Miyazaki In , is the winner. Miyazaki Caster Nagano In , is declared the Startup of the Year! Nagano Precision Forestry Nagaoka The winner in is . Nagaoka Plant Form Nihombashi-hamacho In , the Startup of the Year is . Nihombashi-hamacho Shizen Energy Niigata In , is declared the Startup of the Year! Niigata UniBio Japan Nishi-shinagawa In , is the winner. Nishi-shinagawa Play Heart Okayama In , is the winner! Okayama Arch Farm Okinawa In , is declared the Startup of the Year! Okinawa BlogNinja Otemachi In , the Startup of the Year is . Otemachi beBit, Inc Qingdao Shi In , is the winner! Qingdao Shi Manyoubang Quanzhou In , is declared the Startup of the Year! Quanzhou KungFu Animation Group Roppongi The winner in is . Roppongi Holo-X Saitama In , the Startup of the Year is . Saitama GameTector Sendai In , is the winner! Sendai Sendai Smart Machines Setagaya In , is declared the Startup of the Year! Setagaya Skyestate Shenzhen In , the Startup of the Year is . Shenzhen Aiator Shinjuku In , is declared the Startup of the Year! Shinjuku Scalar Shizuoka In , is the winner! Shizuoka PiPhotonics Sumida The winner in is . Sumida Holotch Tachikawa In , the Startup of the Year is . Tachikawa PlusOne Takamatsu In , is declared the Startup of the Year! Takamatsu Ken Robotec Tokushima In , is the winner! Tokushima DennoKotsu Toyonaka In , the Startup of the Year is . Toyonaka FISH BIOTECH Tsukuba In , is declared the Startup of the Year! Tsukuba WARPSPACE Wakayama In , the Startup of the Year is . Wakayama 4D Sensor Xiangzhou In , is the winner! Xiangzhou ALLiN Edutech Group Xianyang The winner in is . Xianyang TONLY Xiaoshan In , is declared the Startup of the Year! Xiaoshan GONGHUI Yamaguchi In , the Startup of the Year is . Yamaguchi Archis Yangpu The winner in is . Yangpu Tmxmall Yau Tsim Mong In , is the winner! Yau Tsim Mong Airnugget Yeoksamdong In , the Startup of the Year is . Yeoksamdong WizSchool Yichang In , is declared the Startup of the Year! Yichang Hubei Kento Electronic Yokohama In , is the winner! Yokohama Next Innovation Yubei In , the Startup of the Year is . Yubei Ophiux Network Yueqing The winner in is . Yueqing Yueqing Easythink Media Zhuhai In , is the winner! Zhuhai Aijuba Hongo In , the Startup of the Year is . Hongo Smile Robotics, Inc Admiralty In , is declared the Startup of the Year! Admiralty BUNCH Southern In , the Startup of the Year is . Southern Retykle Yongdungpo In , is the winner! Yongdungpo Push News Taichung In , is declared the Startup of the Year! Taichung Wondercise Cyberport, Hong Kong In , the Startup of the Year is . Cyberport Animoca Brands Hefei, China In , is the winner! Hefei Tsinglink New Territories, Hong Kong The winner in is . New Territories, Hong Kong Zeek Dezhou In , the Startup of the Year is . Dezhou Dezhou Baji Kitakyushu In , is declared the Startup of the Year! Kitakyushu Reif Seongnam In , is the winner! Seongnam EOFlow Yanshi In , the Startup of the Year is . Yanshi CASI Vision Top Startup Cities in South Asia Hyderabad, India The Startup of the Year in is with 962 votes Hyderabad Quixy Lahore, Pakistan is the Startup of the Year! It came out ahead with 186 votes. SmartWindows Lahore Bangalore, India When it comes to , is the Startup of the Year with 210 votes! Bangalore vBridge Hub Pune, India couldn’t be beaten for Startup of the Year in , it won with 129 votes! InfraCloud Pune Jaipur, India The Startup of the Year in is with 166 votes Jaipur Emizen Tech Lucknow, India is the Startup of the Year! It came out ahead with 279 votes. Keeros Superfoods Lucknow Noida, India came out as the Startup of the Year in with 156 votes! Bagisto Noida Mumbai, India When it comes to , is the Startup of the Year with 96 votes! Mumbai Sequretek Sylhet couldn’t be beaten for Startup of the Year in , it won with 122 votes! DataXpie Sylhet Mylapore, India In , is the winner! Mylapore Yalimart Goa, India In , the Startup of the Year is Goa Filter Coffee Delhi, India In , is declared the Startup of the Year! Delhi EkAnek Networks Karachi, Pakistan The winner in is Karachi Bykea Ahmedabad, India In , is the winner Ahmedabad MageComp Dhaka, Bangladesh The winner in is Dhaka SOLshare Islamabad, Pakistan In Islamabad, is declared the Startup of the Year! TAG Gurgaon, India In , the Startup of the Year is Gurgaon ixigo Bengaluru, India In , is the winner! Bengaluru Prakshep Private Limited Haryana, India couldn’t be beaten for Startup of the Year in ! Footprints Childcare Haryana Kolkata, India In , is the winner! Kolkata Wow! Momo New Delhi, India In , is declared the Startup of the Year! New Delhi Rusk Media Indore, India The winner in is Indore Chattar Patar Kormangala In , is the winner Kormangala Sanctum Technologies Ghaziabad came out as the Startup of the Year in Craftfurnish.com Ghaziabad! Mohali In , the Startup of the Year is Mohali DataKund Mysore The Startup of the Year in is Mysore Excelsoft Karnal came out as the Startup of the Year in ! Dunar Karnal Kolhapur In , is the winner! Kolhapur Zanvar Group Patiya In , the Startup of the Year is Patiya Kloud Project Kathmandu In , is declared the Startup of the Year! Kathmandu Vairav Technology Bangalore City, India In is the winner! Bangalore City, PagarBook Ernakulam The winner in is Ernakulam Epixel Solutions Colombo, Sri Lanka couldn’t be beaten for Startup in the Year in MAs Foods Colombo Andheri, India When it comes to , is the Startup of the Year! Andheri DoorMint Kanpur, India came out as the Startup of the Year in ! ServiceWalaa Kanpur Faisalabad In , is the winner! Faisalabad DigiKhata Nasik The Startup of the Year in is Nasik Sahyadri Farms Patna came out as the Startup of the Year in ! Asvin Tech Patna Chennai, India In , is the winner! Chennai Agnikul Cosmos Faridabad, India In , is declared the Startup of the Year! Faridabad UClean Panjim, India The winner in is Panjim TempoGO Ranchi, India In , is the winner Ranchi Osam Dairy Surat, India In , is declared the Startup of the Year! Surat Wishbook Thane, India In , is the winner! Thane Delight Foods Trivandrum, India came out as the Startup of the Year in ! GenRobotic Trivandrum Vijayawada, India In , the Startup of the Year is Vijayawada Eruvaka Technologies Visakhapatnam, India In , Ltd is declared the Startup of the Year! Visakhapatnam Greenline Labs Pvt Ahmadabad In , is the winner! Ahmadabad KiwiQA Services Bandra came out as the Startup of the Year in ! Car Club Bandra Bombay In , is the winner! Bombay Locobuddy Mobile Technology (Sportobuddy) Cochin In , the Startup of the Year is Cochin Tuttifrutti Interactive Gandhinagar In , is declared the Startup of the Year! Gandhinagar Kroop AI Guwahati In , the Startup of the Year is Guwahati GNRC Hospitals Jamshedpur In , is declared the Startup of the Year! Jamshedpur Intelliber Kabul The winner in is Kabul Miracle Shop (Vocinno Technology) Karur In , is the winner Karur Karur Vysya Bank Kochi The winner in is Kochi BestDoc Kozhikode In , is declared the Startup of the Year! Kozhikode OfficeKit HR Ludhiana In , the Startup of the Year is Ludhiana Trendy Beat Network Madhapur In , is the winner! Madhapur Head Digital Works Mangalore When it comes to , is the Startup of the Year Mangalore Hangyo Nagpur came out as the Startup of the Year in ! UPrudence Agro Nagpur Rawalpindi The Startup of the Year in is Rawalpindi Pro Options Marketing Rishikesh came out as the Startup of the Year in ! Descatuk Rishikesh Secunderabad couldn’t be beaten for Startup of the Year in Prakriti Biosystems Engineering Secunderabad Tirupur In , is the winner! Tirupur Tubeknit Fashions Udupi The winner in is Udupi Krishitantra Top Startup Cities in Southeast Asia Singapore, Singapore The Startup of the Year in is with 6556 votes! Singapore Cake DeFi Hanoi, Vietnam is the Startup of the Year! It came out ahead with 683 votes. DeFi For You Hanoi Kuala Lumpur, Malaysia came out as the Startup of the Year in with 109 votes! Trambellir Kuala Lumpur Pasig, Philippines When it comes to , . is the Startup of the Year with 110 votes! Pasig Quickreach Inc Bangkok, Thailand couldn’t be beaten for Startup in the Year in , it won with 60 votes! Perception Codes Bangkok Johor Bahru In , the Startup of the Year is . Johor Bahru AGR1 Bandung, Indonesia In , is declared the Startup of the Year! Bandung Prosa Portugal The winner in is . Portugal SCEMAI Tangerang, Indonesia In , is the winner Tangerang Yummy Corp Jakarta, Indonesia In , is the winner! Jakarta Tokocrypto Dki Jakarta, Indonesia In , is declared the Startup of the Year! Dki Jakarta Limakilo Bangkok Metropolis In , is the winner! Bangkok Meticuly Medan The winner in is ! Medan DIKA Manila, Philippines In , is declared the Startup of the Year! Manila PawnHero Phnom Penh, Cambodia In , the Startup of the Year is Phnom Penh vKirirom Bali In , is the winner! Bali Radius App Penang When it comes to , is the Startup of the Year Penang EasyParcel Surabaya came out as the Startup of the Year in ! Super Surabaya Setiabudi, Indonesia The Startup of the Year in is Setiabudi Chilibeli Cebu City came out as the Startup of the Year in MiCab Cebu City! Jawa couldn’t be beaten for Startup in the Year in DAUR Jawa Ho Chi Minh City, Vietnam In , is the winner! Ho Chi Minh City Pharmacity Selangor, Malaysia is the Startup of the Year! BabyDash Selangor Jakarta Pusat, Indonesia In , is the winner! Jakarta Pusat StickEarn Semarang When it comes to , is the Startup of the Year! Semarang Food Bear Petaling Jaya, Malaysia The winner in is . Petaling Jaya Deemples Kebayoran Baru, Indonesia couldn’t be beaten for Startup in the Year in ! Yogrt Kebayoran Baru Kuningan The winner in is . Kuningan Prinzio Bukit Merah came out as the Startup of the Year in ! DC Alliance Bukit Merah Huai Khwang In , the Startup of the Year is . Huai Khwang AppMan Co.,Ltd Kuta In , is declared the Startup of the Year! Kuta Gringgo Mandaluyong came out ahead as the Startup of the Year! Work Inspire Mandaluyong Midview City In , is the winner! Midview City BioMers Phuket The Startup of the Year in is ! Phuket Sapahn Yangon, Myanmar The winner in is . Yangon Wave Money Denpasar When it comes to , is the Startup of the Year! Denpasar Revasi Nakhon Ratchasima, Thailand The winner in is . Nakhon Ratchasima Siam Lottery co., Ltd Taguig, Philippines In , is the winner! Taguig PayMongo Bogor came out as the Startup of the Year in ! TIRANYX Bogor Senai, Malaysia won as the Startup of the Year. Nutrition Technologies Senai Bekasi Kota couldn’t be beaten for Startup in the Year in ! 8villages Bekasi Kota Top Startup Cities in Middle East Tel Aviv, Israel The Startup of the Year in is with 1,065 votes! Tel Aviv hyro Beirut, Lebanon is the Startup of the Year! It came out ahead with 1,276 votes. Hovi Digital Lab Beirut Riyadh, Saudi Arabia With 350 votes, came out as the Startup of the Year in ! Flicron Riyadh Tel Aviv-yafo, Israel When it comes to , is the Startup of the Year with 167 votes! Tel Aviv-yafo Cymbio Haifa, Israel couldn’t be beaten for Startup in the Year in , it won with 183 votes! Pico Haifa Amman, Jordan In , with 141 votes, is the winner! Amman Edexy Dubai, United Arab Emirates In , the Startup of the Year is with 74 votes. Dubai Ziina Doha, Qatar In , is declared the Startup of the Year! Doha SkipCash Tehran, Iran The winner in is . BeyondBoard AR Tehran Jerusalem, Israel In , is the winner! Jerusalem SolidBlock Rishon Le Zion The Startup of the Year in is ! Rishon Le Zion Passparto Ness Ziona, Israel is the Startup of the Year! Soapy Ness Ziona Kuwait, Kuwait came out as the Startup of the Year in ! Brapper Shop Kuwait Manama, Bahrain couldn’t be beaten for Startup in the Year in ! Doctori Manama Lod, Israel is the winner in ! Phinergy Lod Agudat Israel, Israel When it comes to is the Startup of the Year with [vote ] votes! Agudat Israel, Aqaurius Engines Beersheba, Israel In , the Startup of the Year is . Beersheba Visual Estate Ltd Giv'atayim, Israel In , is declared the Startup of the Year! Giv'atayim WSC Sports Modi'in, Israel The winner in is . Modi'in Loginno Nazareth, Israel In , is the winner! Nazareth AR Guide In Medical Ramat Gan, Israel The Startup of the Year in is . Ramat Gan Datos Health Baghdad When it comes to , is the Startup of the Year! Baghdad Mishwar Khobar In , the Startup of the Year is . Khobar Garage Misgav couldn’t be beaten for Startup in the Year in ! Eden Shield Misgav Sharjah came out as the Startup of the Year in ! Bookends Sharjah Affula In , the Startup of the Year is . Affula eMotion Technologies Bene Beraq, Israel In , is the winner Bene Beraq Reflectiz Caesarea, Israel In , the Startup of the Year is . Caesarea CardiacSense Dubayy In , is declared the Startup of the Year! Dubayy North Ladder Muscat couldn’t be beaten for Startup in the Year in ! iLab Marine Muscat Tirat Carmel In , the Startup of the Year is . Tirat Carmel PassCall Advanced Technologies Hod Hasharon, Israel The winner in is . Hod Hasharon Idomoo Holon, Israel came out ahead as the Startup of the Year! OptimalPlus Holon Jeddah, Saudi Arabia When it comes to , is the Startup of the Year! Jeddah Arabian Combustion Technologies Ramat Hasharon, Israel is the Startup of the Year! Lumen Ramat Hasharon Al Khobar came out as the Startup of the Year in ! Swyft Al Khobar Bet Shemesh In , is the winner! Bet Shemesh Degania Medical Binyamina When it comes to , is the Startup of the Year! Binyamina OncoHost Makkah In , the Startup of the Year is Makkah Scimagine Or Akiva Last but not least, couldn’t be beaten for Startup in the Year in the city of ! WMT Or Akiva More Information: If you’re a winner, please answer ! If you’re a reader, participant, just a curious individual, consider answering one of our interviews . this interview here Read the FAQs about or . Startups here here To see all of the winners you may visit , pick any city and view the name that appears at the top. this site If you’re interested in partnering with us, we invite you to look through some of these or reach out to our business department. unique sponsorship options Perhaps creating your very own tickles your fancy or maybe you have a whole new idea for how we can partner! writing contest Thank you to all of our sponsors! We truly appreciate your contribution to the tech world and thus the future! The Startups Awards are sponsored by: , , , , , , , , , , Blockster Brex FreeCodeCamp LaunchDarkly Coil Udacity Udemy Vercel Asia Pacific Transgender Network Bybit Everscale Network The post was written by Kushal Tamrakar and Valerie Ejegi, edited by Hang Ngo. If you have any questions or concerns or would like to report a discrepancy please email ellen@hackernoon.com.

Meet the Winners of Startups in Asia

On the train ride to Davos, the influential Swiss town in the middle of nowhere. I flew into Zurich from Bangkok so I was not ready for the cold at all. The economic mood hasn’t been so bright leading up to 2019’s World Economic Forum at Davos. We are very far along the risk curve and are left with a paucity of “alpha” to uncover, leaving the economy at its most fragile state after the unexpected Trump Rally. I often get asked where to park one’s treasury, and I can provide little input (not equities, not gold). The world today is still injured with the events of a mystical 2008 past, and the recent hit in the market leave us in weak confidence. Our collective memories and melodies are mystic not born in relation to reality, but transforms our rose-colored glasses into drenched red optics. Our recollections of overnight economic uncertainty grounded the necessity of order in this dystopian world of corporate manipulation and billionaire self-interest. Laissez-fair market rules could not uphold and preserve the American Dream — so rules were demanded and anger was warranted. In our fresh fear of inflicted and repelled injustices, we looked to authorities to punish the evildoers and to return to a safer past. This opposition of liberty versus mechanism recalls similarities to a more violent age: “In the age of the 30-Year War, Thomas Hobbes was moved to celebrate the Leviathan State, with the monopoly of legitimate force as the redemption of society. Surely it was better to concede to a monarchical state, in security of persons and property, than to see order drown in civil strife.” Iron Kingdom: The Rise and Downfall of Prussia, 1600–1947 If I had to pinpoint a pattern this year at Davos, however, it wasn’t about institutions or organizations. The language has shifted significantly downstream, in the issues that we discussed and the sentences we crafted. Thematically and fortunately, many of the conversations that I was personally hearing at Davos were uniquely about the in the light of the Fourth Industrial Revolution: namely I admit this may well have been selection bias, but the thematic discussion of network power is rooted at the individual-user level. We begin to look not at institutions, but in ourselves- governance in our health and in our work. It is through these convictions that we look in the year ahead of us, with the international New Year resolutions blending into our personal objectives. individual mental health, blockchain, philanthropy, free trade. WEF’s online topic map of the next revolution that was a preamble to Davos 2019 A Walk down the promenade The Promenade at Davos this year was full of lively discussion and excitement for the new year. Trump tweets were fantastic conversational icebreakers, and his absence made one less distraction for more fruitful, issue-oriented discussions. Typical discussions ranged from tech somehow solving all problems to the permanence of the US-China trade war, with an exceptional focus on mental health (+50 claps for Johnson&Johnson, Wellcome Trust, Nasdaq, and a number of others), philanthropy (anyone with +$10m) and free trade and speech (Tradeshift, nations, I guess everyone?) and of course blockchain (GBBC, Consensys, Caspian Week, Tradeshift, I guess everyone?) For especially the foremost topic, mental health, we see that social networks are not necessarily about who connected, but rather who . The structural holes emerge, the gradience of fast and slow growth in certain regions begin to appear like in the First Industrial Revolution. The type of hierarchies are inevitably being seen our new economy. At the individual level, we see similar instances of populism, antagonistic trade and degrading mental health. As much as I want to say that Davos was about tech and blockchain, it was more about what “language” will be used in the Fourth Industrial Revolution. Yes, the tech conversations were dumbed down (AI, ML, blah blah), but people give too much discredit to the conversations happening here — decision makers are open to listening, as long as they can digest the issue. is is not a bit The Lounges: I spent some time in and around the Consensys’s new clothes, Tradeshift’s very strong presence, Caspian Week’s focus on Eurasia trade beyond OBOR, all the journalism-hosted parties to NASDAQ’s nifty branding (the CEO is a rockstar) and lastly the Blockchain Economic Forum: guest speakers hating BTC (Schumer, Roubini) and the crowd loving fair governance and trustlessness of man. I like how we now default to the fact that if someone become evil, one become evil in the age of attention seekers and twitter preachers. can will The diluted “herd is coming” narrative was in 5th gear in the blockchain ride (in recent news, ) as seen by all signs at Davos. There are implications beyond just adoption, however. Perhaps there is a growing dependence on institutions in the desperation of the crypto bear market that will ultimately decenter the participant — I take a look at the obvious divides and surprising reconciliations from the conversations at BEF. Arjun Balaji’s discourse about was at full steam, but was not as bitter as one might expect. Samsung exacerbates the Kimchi premium conflicting visions Blockchain Economic Forum LAToken invited various anti-crypto dialogue despite their own blockchain— when I inquired to Matias, the Senior Content Manager at LAToken about the invitees, he said “it’s mostly good for the ecosystem to argue.” Refreshing to hear. At the tail-end of the week, I arrived at Blockchain Economic Forum, where LAToken generously invited ( ) Hackernoon to examine the review the scene: I came to report. There were a lot of conflicting thoughts and shaking heads, but also many shaking of hands and respectful follow ups that I overheard. and partnered with First, BCG Digital’s Jeff Schumacher said BTC is useless on CNBC, and reinforced it again at BEF. Looking deeper into motivations, it’s probably an indirect marketing stunt in favor of DFinity’s use-case given the group’s outsized involvement with that initiative. So, yay blockchain, nay BTC. The second highlight event was keynote speaker Roubini who always carries his controversialism with him wherever he goes. As a practitioner who started from Wall Street (but now a blockchain proselyter), I can empathize with some of his main points: central and fractional banking can indeed provide deeper liquidity pools and centralized efficiencies as long as they remain “independent” from the government (therefore a global central bank crypto currency will destroy all competitors). And he’s right, the banking system does fine— it works and worked decently well. Nevertheless, the trauma of the 2008 reverberates in his thinking. Our dependence on centralized authorities is only to disorder through the concentration of authority that was widely employed by government powers after 2008 (Dodd-Frank to REMIT to MiFID). We can not continue to put band-aids to protect the participant’s interests. forestall As Nobel Prize-winning economist Amartya Sen described, economists and sociopaths (social morons) aren’t so distinguishable given their fully utilitarian mindset — you will see on all offshore banking websites all these agreeable discussions between conspiracy theorists, fiat minimalist cryptoheads and economics PhDs. Roubini puts results over the construction process, and knows exactly what the off-chain banking system can create. Yes, it works based on empirical and theoretical values — but only in the world that we know. Central and fractional banking is indeed the current best system to reach the deep liquidity needed for a US-Leviathan world order, and one that I do not necessarily oppose. My friend Charlie at Reserve described what the daily fear intake was like during the Cold War and doesn’t sound so savory. , New York University Stern School of Business. Nouriel Roubini As expected at an event called “Blockchain Economic Forum,” the public retaliated in an distraught manner with their questions: pulling examples from New Zealand’s failed central cryptocurrency, Zimbabwe’s government-fueled inflation, and Venezuela’s need for BTC. To them, these examples illustrate the divide between the government and minting authority as a fragile, “recommended” line in the long-run, putting immutable governance at precedence over “mere” efficiency. Sure, I like the audacity, what kind of underdog-loving American doesn’t. But I don’t like how they push aside all painpoints that the banking and security industries had to go through to achieve what it is today. Most financial laws are usually reactive instead of pre-emptive — from Glass-Steagall (banking) to Sherman (monopolies) to a proper Chinese Wall (insider trading laws, which really started in 2001) — to exacerbate even more, a deeper look into insider trading rules is not that the action is “ ” but rather that it will hinder market liquidity: utilitarian over ethics. I agree with the public in the long run as reactive processes have their limits. I want to see more practical approaches. A more balance panel (which I describe later) goes into the realities of the problems in a conciliatory manner. unethical Nevertheless, at the convergence of points on where the future lie, Roubini was a bit short. He claims fintech can be the useful equipment for solving the future. I agree. Looking at history, the M1 supply was essentially created by ATMs, a “fintech” product. In the Q&A though, Roubini said we can depend on the Internet for this source of innovation and fintech-driven liquidity. Yet the internet was originally designed to be decentralized, and now he rejects that same proposition. The Internet, were it to be owned by a single corp, would never have had the J-curve Cambrial explosion without being the open portal to a public space. But it took (is taking) a while before everyone finally accepted that the Sun is the true center of our planetary system. While centralized systems may work as a robust solution with immediately beneficial effects, decentralized processes produces an antifragility that can permits immeasurable ecosystems. What arises is this mentality of an “institutional glut.” Institutional Glut In the award-winning book ( , ), the authors coin the term “institutional void”: structural pain points in emerging markets that a business should focus on paving over with ingenious solutions to unlock unprecedented value. Examples could be using order brochures + local delivery (even mule-wagons) to overcome mountainous, rural road infrastructure as a way to compete against hypermarket delivery systems. Winning in Emerging Markets Krishna Palepu Tarun Khanna Fact: The US is not an emerging market. Counterpoint: maybe it could be after self-driving trucks destroy all of mid-America micro-economy cities. To play the foil in everyone’s fantastical dreams of the institutional money coming into blockchain, is the dangers of overinstitutionalization — the same things we saw in Too Big to Fail. After 2008, we tried to “stabilize banks” but I’ll tell you being on the other side that the people that are suffering the most are the legal and credit departments in the banks than just the traders and bankers (power just moved from banks to PE shops). Prayers to those who are drowning in +1,000 page regulatory documents, those poor recent law grads to test their patience and sacrificed trees for paper (disclaimer: we at ABC Platform push for green practices). It became a worldwide movement with a bit of Hegelian dialectics playing its course: government bloats the bulge bracket banks and behemoth companies with over-swerving, reactionary laws -> the banks buy each other up and companies immediately move toward tax inversions (2013–2014), the people are then affected by downstream costs pushing the offshore banking industry. And then issues pile on issues, starting with this vicious spiral of centralized authority piling centralized issues on another centralized party. Satoshi didn’t see all this collateral damage pan out — he just saw the beginning of the fall, and decided to create a decentralized solution for a centralized issue. And centralization as Haseeb Qureshi recently placed it. But I digress. isn’t all so evil as one might suggest The mindset that Roubini holds is short term, and doesn’t acknowledge the future power of decentralized systems as a means of creating newer forms of liquidity that isn’t found in being just a globalized resource, but by dependable trust. Trusted speculation can be a very powerful force for spending. Nevertheless, the cryptocurrency defendants are so bulletproof either — they have some serious issues to solve before we come all come to a “winner.” The blockchain public sees a longer horizon with more deontological roots, putting the economic surplus created by immutable governance and uncorruptable laws superseding centralized systems in the long run. No “economic model” could have extrapolated the success of the personal computing era of the 80’s in creating the the phenomena of the internet in the 90’s. We are left to believe that we face before us an ultimatum (albeit a reductionist one) with lean pickings… We continue depend on a national central banking system (US, maybe China?, etc.) We depend on an intra-national system (UN, consortium of banking, SDRs, World Bank) We depend on a participant driven network (decentralized protocol) …but are we so pushed back to a corner? Ariel said that I shouldn’t start with “which currency” question first though, but rather “what uses” first — yessir. The synthesis is between the lines Round Table: , Author Monetary Economics in Globalized Financial Markets, , National Bureau of Economic Research, co-editor Journal of International Money and Finance , Advisor to the Governor of the Bank of Canada , Associate Professor of Economics , Assistant Professor for Financial Economics, Ecole Polytechnique CREST The Board and Monetary Policy for Decentralized Currency Prof. Dr. Ansgar Belke Joshua Aizenman Stephen Murchison Ariel Zetlin-Jones Linda Schilling This is where LAToken’s selection team did a great job in bringing together different opinions that arrived at a solid agreement. While Roubini’s arguments are often repetitive at every conference he talks in, this panel was refreshing to hear as they actively though of possible remediation to debates happening beforehand — a new framework of thinking. Ariel, an associate professor at Carnegie Mellon, nails some major issues with the current blockchain regime, asking about feasibility rather than disregarding this all as impossibility — we don’t need to jettison the baby out of the bath water. The thinking was like this: Make crypto’s basic tenants work, like as a proper medium of exchange Decide if we need/want a global cryptocurrency Understanding how to manage or control the supply of tokens (not necessarily for fiscal policies, but general transactional feasibility) , Associate Professor of Economics @ CMU. I spoke with him before the event, and he’s been quite involved with a few blockchain initatives like Sweetbridge and PNC Bank —so not his first rodeo Ariel Zetlin-Jones Do we truly need a singular, global cryptocurrency? This board of governors implored a need-based first approach to the simple question: does the world require it? Why not embrace our heterogeneity over imposing this homogeneity that increases diversification risks? Does the Peruvian economy correlate to, say, Armenian trade that it would warrant that both live under a single currency? I completely agree in theory, but maybe less in format and font: this cartographic exercise is not limited to only geopolitics in the 21st century but to more creative divides such as industry vertical and common liquidity horizontals. Back in the old day, until a sovereignty was established in the past, men would seek their welfare by force. The supreme importance of state, in order to suppress such violent realities, is no longer valid in this world and, as such, should not necessarily be the contours we draw in all our policies today. Perhaps the underlying motivation for a collaborative economy is one based on a mutual interest: in virtual video gaming world or a gambling competition. Issued currency may not be tied to another nation or intra-nation, but rather economically valued intrinsically which is what we do in our own proprietary algorithms at ABC Platform. This can be a bit hard to imagine since we always price our things to the USD or EU or any other currency. But before that, we have to make sure such (crypto) currency can act as a proper medium of exchange, as the governors say. Learn more about the they should have videos uploaded this week. BEF Davos 2019 Program here, In an age past, Hobbes might have pushed for a monolithic regulatory state as it was the better option of two evils, such as anarchy. As we see the citizens of Western democratic posterchilds questioning the results of their own voting mechanisms, 2020 Davos will have an even longer list of issues to confront for their decade. We are beginning to realize that the people can no longer push these responsibilities away and must take it to ourselves to address — perhaps it is our turn to steal the golden fleece from the Argonauts but this time it cut up into shared goods, not just for Jason. For example, we at ABC Platform look at the opportunity to now exit this Hobbesian “lesser evil,” depending not on centralization processes (ie trade finance financing by government-controlled banks) and to exit and reinvent the system entirely by empowering the user-participants, not trusting overseers. Most of the world and the leaders at Davos, it seems, are thinking in this modernizing direction. I am excited to see where technology can take us, but I am even more excited to see how people self-organize in this new reality. Is the history of computers not more exciting when told through the lens of the inventors and communities? Turing, Englebart, Jobs, Gates, Berners-Lee, Neumann, etc. I was happy with the entire week at Davos. I got some lifelong contacts and made some great industry partnerships and had some fruitful conversations on ideas for our own platform, which we will be announcing through my company, , in the next few months. I thank again the LAToken platform for making this event possible and for inviting me. I wish them all the best in their next event. Feel free to learn more about what they are doing on STOs and token tradability on their website ABC Platform Hackernoon www.latoken.com. Looking forward, -D

Davos 2019: Parables from the  Promenade

Opening of the Crypto Valley Conference and introduction by Oliver Bussmann, President of , and one of the top blockchain influencers in the world. Crypto Valley Association Switzerland is Europe’s answer to the Silicone Valley, Malta, and Singapore. The country offers one of the key hubs for crypto technology development. The majority of infrastructure is located in Crypto Valley within a unique district of Zug. It is the mothership for the ecosystem. A global center where emerging , blockchain, and other distributed ledger technologies rise. There, they develop in a highly supportive and safe environment. blockchain cryptocurrency Getting to Switzerland was a collaboration of our interest with the support and eagerness of our clients. Anton Dyshkant, the business development director at Crypto Gang, traveled to Crypto Valley to meet and cooperate with our existing clients there. He also had a chance to participate at the International . Below is a summary of highlights Crypto Gang is most excited to share. Crypto Valley Conference on Blockchain Technology The Event The 2018 International Crypto Valley Conference was organized by , and took place on June 20–22 of 2018, in Zug. It brought together attendees from America and Europe to discuss state of the art advances within the Blockchain Technology ecosystem. Crypto Valley Opening of the Crypto Valley conference. We took part in a truly unique experience. The event only hosted 800 attendees all of whom were industry professionals. These individuals are fully committed to developing the blockchain sphere and are active contributors to its progress. At the pre-event of Crypto Valley conference arranged by . With Olga Feldmeier — CEO of Smart Valor, a former executive of UBS, Barclays Investment Bank, The Boston Consulting Group (BSG), and a well-known influencer in crypto world. Token Foundry Among the speakers were representatives from such organizations as: Ripple, Microsoft, Cornell University, Swiss Government, UC Berkeley, IBM Research Zurich, Cisco, Eternity, and many others. Everyone was focused on quality networking opportunities. The event hummed with innovation and exuded creativity sparked by international collaboration. Listed below are a few of the most notable attendees: Oliver Bussmann — the advisor for top crypto projects ( , , ) IOTA Ripple Shapeshift Prof. Dr. Emin Gun Sirer of Cornell University Stefan Thomas — the inventor of the Interledger Protocol and CTO of Ripple Dolfi Mueller — the mayor of Zug who vigorously supports the blockchain throughout Switzerland Daniel Haudenschild — head of Swisscom Blockchain AG Richard Olsen — CEO of Lykke With Richard Olsen, founder of foundation. Crypto Gang is partnering with Swiss-based Lykke providing branding services to its clients. Apart from ICO services, Lykke is a crypto exchange and a digital wallet for crypto currencies and one of the leading service providers in Switzerland. Lykke The conference covered a wide range of topics. It touched on everything from the future of token economy, fintech, and IoT to smart contract security. Some of the other issues discussed included: identity management, shared data, micropayments, and legal aspects of cryptocurrency infrastructure. It’s impossible not to comment on the impeccable job the Crypto Valley Association did on planning and carrying out this event. They had never hosted a conference of such size and proportions before, and yet everything from the guest list to the numerous satellite subunits were organized perfectly. The satellite element was especially note-worthy as it allowed industry professionals to closely speak with some of the startups and less known companies within the industry. Together with a great pal, Shay Gammer, co-founder of Montfort Family Office and COO at based in Geneva. Fortune Family Office Group The Valley of Crypto Opportunities Crypto Gang came to Zug with intent to visit the cradle of crypto projects in Switzerland.Here, crypto is supported at a state level. Government officials make it a priority to create the best business climate for crypto currency development. Zug is a pretty small and picturesque place with the population of 28,000. Despite its small size, thanks to favorable regulatory framework and taxes, this region in Switzerland is considered to be one of the most interesting places to launch tech and blockchain projects. Not to much surprise, it has already attracted some of the world’s most renowned crypto companies and organisations such as: Ethereum, Monetas, Bitcoin Suisse, Xapo, ShapeShift, ConsenSys, and Tezos. With Oliver Busman, President of the Crypto Valley Association, CEO and Founder of Bussmann Advisory consultancy firm, in his office. We were amazed to discover that almost every resident knew about blockchain, crypto, and the conference. Almost everyone we met had opinions and ideas to share regarding their experience with crypto proving just how significant this technology has become for Zug as well as Switzerland as a whole. As crypto evangelists we strongly hope that very soon other countries will reach this level of crypto interest and awareness. We look forward to the time when crypto communication will enter the mainstream culture of every town out there. Networking and Communication At the booth of Bitcoin Suisse together with Nicolai Oster, Head of ICO and Partner. Discussing collaborations between our companies on ICOs and blockchain projects. For everyone in the crypto community such conferences are a good chance to connect with other professionals and enthusiasts within the industry. It is especially valuable for crypto startups and ICOs as they aim to test out elevator speech and product ideas, gathering feedback prior to launch. It also lets companies meet their investors and future supporters. At Crypto Gang we’re constantly encouraging our clients to travel to such events and network. One of the satellite events of the conference — “ICO investments”, led by Heinrich Zetlmayer, who is the founder and General Partner of the BVV, and former Vice President of IBM. Crypto Gang is partnering with BVV, Heinrich and their great team. It was a great honor to be one of the few companies from Ukraine to be part of the international dialogue about main points in the modern niches of start-ups. But what’s more important, we had an amazing opportunity to meet some of our partners and discuss our progress. We also fulfilled our goal of connecting and gaining support from some of the key market players interested in further cooperative partnerships. We are excited to share more details about all these points in upcoming releases so please check back for updates. Together with Dr. Mattia L. Rattaggi, a great person and a blockchain industry professional, who is a Chair Regulatory Policy at Crypto Valley Association and Founder of the named after him. blockchain Advisory and Consulting firm We also had a pleasure to meet some of our Swiss-based clients and discuss ongoing projects’ activities. We met with Robert Rogenmoser of . They are based in Zurich and produce hardware and software products that already protect the Swiss Banking System by securing €100 Billion in daily transactions and serving top Swiss financial institutions. We had a chance to discuss their upcoming ICO/ITO project and our progress on designing their ICO/ITO website, whitepaper, and other documents. Securosys With Robert Rogenmoser. Together with one of the conference attendees, Roland Kask, a marketing professional from Estonia. We stopped by the office of our good partner agency Lykke and their newly opened location in Zug at Alpenstrasse 9 where we met with Michael Guzik, Victor Solomon and others. We also met Heinrich Zetlmayer and Luigi Bruno along with the team of . BVV is a new accelerator and venture firm that focuses on incubating, developing, and investing in blockchain-enabled businesses. We are currently cooperating on projects together, and were eager to discuss our progress. Blockchain Valley Ventures With Deyana Nedeva, Head of Investor Relations at BVV. Overall, it was a great event! At Crypto Gang we strongly encourage everyone to regularly visit collaborative events in their niche to share, connect, and develop. We hope to see you somewhere in the world soon! Want to consult on how to make your ICO design great, see our portfolio or chat? Email me on . anton@cryptogang.agency

Crypto Gang visits Crypto Valley — the Swiss heart of European Blockchain

Payment apps have been around for a while now, and it looks like they may be the way of the future. Unfortunately, scammers have caught wind of this. It turns out that convenience comes at a price: payment fraud. And in some cases, that price means entire bank accounts getting drained. This article isn’t written to stop you from using your favorite payment app. You can use whatever app you’d like; it’s just good for you to know the risks and where to look out for potential scams. Payment Fraud Stats for the Most Used Payment Apps in the World Let’s look at the top payment apps available today and see how much fraud there is on each platform. **Payment App 1: Cash App \ An app that started out as a quick way to send money to friends has devolved into a financial nightmare for some of its users. Cash App is a financial services platform that allows users to send, receive, and even invest money. Cash App has been around for about ten years, and in that time, it became one of the most popular apps out there, with almost 50 million active users. How Often Do People Get Scammed Using Cash App? Cash App is designed to be as convenient as possible for its users, and unfortunately, that can lead to a lot of fraud. , up to 9% of those who use the application at least once a week have reported some type of fraud while using the app. According to one report With almost 50 million downloads, 9% is a gigantic number. Common Scams on the Platform - A crafty scam where a fraudster intentionally overpays for goods or services and then convinces the victim to refund the excess amount. Usually, the whole transaction is just a setup to fool the victim. Accidental Payment Scams - A silly scam where a fraudster convinces a victim that they can turn $100 into $2,000 or more. Cash Flipping - A real contest that Cash App does on Fridays that fraudsters like to take advantage of with their own fake versions. #CashAppFridays Cash App’s Scam Policy Cash App’s policy is to take every scam seriously, which is laid out on its . If you've become a victim of a scam on Cash App, your best bet is to call 1-800-969-1940 during business hours and see what the company can do for you. customer support page For more information about how Cash App scams work and how to avoid them, check out. this article **Payment App 2: Meta Messenger \ Although most people still call Facebook’s messaging service “Facebook Messenger,” the official name is Meta Messenger. Meta Messenger can be used for instant messaging, voice calls, video calls, and as a way to send money to other users through Meta Pay. Meta Messenger has 188 million active users in the United States alone. How Often Do People Get Scammed Using Meta Messenger? Strangely enough, the number seems low. With so many people using the service, it only makes sense that there would be a large amount of reported scams, but that doesn’t appear to be so. There are tons of people getting scammed on Facebook itself, and even more so on Facebook Marketplace. However, Meta Messenger has escaped that fate, so far. Meta Messenger's Scam Policy More evidence that Meta Messenger hasn’t been hit hard by fraudsters can be found on their , or lack thereof. The page mainly consists of some general facts and advice about common scams and says nothing about refunding money or what victims should do if they get scammed while using the service. scam policy page Essentially, it appears that the service hasn’t been hit hard enough by fraudsters to justify an official scam policy. **Payment App 3: PayPal \ PayPal is the payment app that started it all, and it remains strong even today, with over 400 million people using the service worldwide to transfer funds, make payments, and conduct online transactions. A big part of PayPal’s success is due to users not having to share their financial information directly with the recipient. Unfortunately, due to PayPal’s popularity, fraudsters tend to gravitate toward the platform in droves. How Often Do People Get Scammed Using PayPal? Due to how popular PayPal is, it’s not rare for people to get scammed using the service. However, there are no solid numbers when it comes to how many victims there are. PayPal claims to have taken measures to prevent scams and protect its users, but fraudsters are continually evolving their tactics, making it tough to guarantee safety when using the site. Common Scams on the Platform - A common PayPal scam that involves sending a victim a fraudulent invoice, pretending to be a legitimate seller. The victim pays the invoice and never hears from the “seller” again. Fake Invoices - Scammers will often send fake emails posing as PayPal itself. These emails may appear genuine, but they’re designed to steal sensitive data. Phishing Emails - This one is the lowest of the low. A scam that involves collecting donations for a “charitable cause” that turns out to be some guy in his basement. Charity Scams PayPal’s Scam Policy PayPal is known for having purchase protection to reimburse eligible transactions and buyer & seller protection to protect against unauthorized transactions. But there’s no solid policy when it comes to fraud when using the platform. PayPal encourages users to or scams they encounter, and that’s about it. report any suspicious activity If you want to learn more about online scams to avoid on PayPal, make sure to check out . this article **Payment App 4: Telegram \ Telegram is another cloud-based instant messaging app that allows users to send messages, share files, and send money to each other. Telegram emphasizes the privacy and security features (like end-to-end encryption) that help keep the platform safe while transferring funds. How Often Do People Get Scammed Using Telegram? Despite the security measures Telegram has implemented, fraudsters have found a way to take advantage of the popular platform. According to a published in February 2023, there has been an 84% increase in fraudulent activity on Telegram in the United States alone. CNBC article The article itself goes over how scammers are using Telegram to pull off check fraud, but there are plenty of other scams to look out for with this app as well. Common Scams on the Platform - Scammers are always setting up fake giveaways, particularly in the cryptocurrency space, with the goal of stealing your personal information. Fake Giveaways - This is a problem with every app, but on Telegram, there are a ton of bots, and some of them are looking for your money. Fake Accounts and Bots - Just because someone presents themselves as customer support for Telegram or any other company doesn’t mean they’re telling the truth. Customer Support Scams Telegram’s Scam Policy Despite the fact that fraud and cybercrime are considered a on Telegram by many people, the company doesn’t have an official scam policy. rising concern **Payment App 5: Venmo
\ Venmo is a very popular mobile payment service that even boomers are starting to use. All it takes is a bank account to link the service to in order to use this easy money-transferring service. How Often Do People Get Scammed Using Venmo? There are no hard numbers on how often people get scammed with this service, which could mean that Venmo has fewer scammers on the platform. That doesn’t seem likely, however, as the company posted a list of the found on Venmo on its website. most common scams Common Scams on the Platform - Scammers may contact users, telling them that they won a prize or cash reward, in hopes of stealing their information. Fake Prize or Cash Reward - Another insidious way for fraudsters to steal your information. Calls or Texts Pretending to be Venmo - This is when a scammer changes their username and profile image to look like someone you know. Technically, this is not a common scam, but it’s worth knowing about due to how successful these attempts are. Pretending to be Your Friend Venmo Scam Policy Venmo’s official policy is that once a payment has been sent, it cannot be canceled or refunded. All you can do is hope that the scammer will return the money out of the kindness of their heart, which, most likely, has never happened before. If you’ve been scammed on Venmo, you can contact customer service and submit a dispute. There are cases where some people were by doing this. lucky enough to get their money back **Payment App 6: WhatsApp \ WhatsApp is undoubtedly the most popular text messaging service that’s free to use, with over sent each day on the service. With that many people using the service, it shouldn’t be a surprise that fraudsters have made a home on the platform. 100 billion messages How Often Do People Get Scammed Using WhatsApp? In 2021 alone, 9% of investment-related social media fraud was linked to WhatsApp, . That’s not including the fraud that wasn’t reported, and that’s just one of the many types of scams that populate the platform. according to the FTC With so many people using WhatsApp, it’s almost impossible to get an accurate number for the amount of fraud that happens on the service. But in short, it’s a lot. Common Scams on the Platform - When it comes to fraudsters scamming people by pretending to be friends and family members, WhatsApp is at the . Impersonation Fraud top of the list - Attractive profile pics can often lead to bank accounts getting emptied if you’re not careful. Sometimes, it's better to meet people in person. Romance Scams - Here’s a newer type of scam where fraudsters send out QR codes to random people, explaining that they won a prize and they just need to scan it. I bet you can guess what happens after the code gets scanned. QR Code Scams WhatsApp Scam Policy WhatsApp doesn’t have an official scam policy, just some general tips to avoid fraud on its website. **Payment App 7: Zelle
\ Zelle is a widely used and trusted service that makes it easy for users to send instant payments to each other. Zelle is available to use with almost every financial institution, and it’s probably on your banking app right now. How Often Do People Get Scammed Using Zelle? According to Zelle, 99.9% of transactions on the platform go through without any reported fraud. But for those who have been victimized by scammers on the service beg to differ, with reports claiming that some Zelle users lost close to in 2021 due to fraud. $440 million dollars Common Scams on the Platform - This scam involves a job seeker landing a “high-paying opportunity” with a fraudster posing as a legitimate￼ business. All the victim has to do is send a few thousand dollars through Zelle to the “hiring manager” for “their equipment.” Fake Job Scams - This common scam uses an image of an irresistible puppy (or other cute animal) to lure victims in. The fraudster then tells the victim that they can buy the animal through Zelle. By the end of the transaction, there is no puppy, and the victim’s money is gone forever. Fake Puppy Scams - Crafty scammers can trick victims into transferring money through Zelle on their behalf to avoid jail time for doing illegal activities. If the victim gets caught, they can end up in prison, even if they were unaware of what was happening behind the scenes. Money Mule Scams Zelle’s Scam Policy Getting a refund after getting scammed using Zelle is extremely rare. is for the victim to contact their personal financial institution and see what they can do for them. Zelle’s official scam policy For more about Zelle-related scams and how to avoid them, check out . this article Final Thoughts If you’re worried about getting scammed on one of these platforms, you’re best bet is to use Meta Messenger. When it comes to payment fraud, Meta Messenger seems to have fewer cases reported. But at the end of the day, no payment app is 100% safe when it comes to fraud. The only thing you can do as a user is think long and hard about who you’re sending your money to. Just because something is convenient doesn’t make it safe.

Payment Fraud Stats From the World’s Most Popular Apps: Zelle, Venmo, Cash App, Paypal, and More

বিশ্বের সবচেয়ে জনপ্রিয় অ্যাপ থেকে পেমেন্ট জালিয়াতির পরিসংখ্যান: Zelle, Venmo, ক্যাশ অ্যাপ, Paypal এবং আরও অনেক কিছু

Zahlungsbetrugsstatistiken der weltweit beliebtesten Apps: Zelle, Venmo, Cash App, Paypal und mehr

Estadísticas de fraude en pagos de las aplicaciones más populares del mundo: Zelle, Venmo, Cash App, Paypal y más

Statistiques sur la fraude aux paiements provenant des applications les plus populaires au monde : Zelle, Venmo, Cash App, Paypal, etc.

दुनिया के सबसे लोकप्रिय ऐप्स से भुगतान धोखाधड़ी के आँकड़े: ज़ेले, वेनमो, कैश ऐप, पेपैल, और बहुत कुछ

世界で最も人気のあるアプリの支払い詐欺統計: Zelle、Venmo、Cash App、Paypal など

Zelle, Venmo, Cash App, Paypal 등 세계에서 가장 인기 있는 앱의 결제 사기 통계

Estatísticas de fraude de pagamento dos aplicativos mais populares do mundo: Zelle, Venmo, Cash App, Paypal e muito mais

Статистика мошенничества с платежами из самых популярных в мире приложений: Zelle, Venmo, Cash App, Paypal и других

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Thống kê gian lận thanh toán từ các ứng dụng phổ biến nhất thế giới: Zelle, Venmo, Ứng dụng tiền mặt, Paypal, v.v.

来自世界上最受欢迎的应用程序的支付欺诈统计数据：Zelle、Venmo、Cash App、Paypal 等

When sending money to a friend or family member, there’s no service more convenient than Zelle. With Zelle, transferring money from one bank account to another is as simple as knowing the other person’s phone number. Unfortunately, Zelle’s convenience is why so many scammers gravitate toward it. And with Zelle’s popularity rising, scammers are showing up everywhere. Can I Get Money Back From Zelle If I Get Scammed? Believe it or not, caught in a Zelle-related scam DO NOT get their money back.
This is the most important thing to remember when it comes to Zelle scams. It doesn’t matter how much evidence you have of getting scammed; your bank will mostly likely not refund your money. 90% of people Unlike money transferring services such as PayPal, there is no purchase protection when it comes to Zelle, despite the heavy connections the service has with most of the major banks.
Zelle scams are tricky and easy to get wrapped up in. The best way to protect yourself is to know what to look for. The 7 Most Common Zelle Scams Once you know how these common Zelle scams work, you can save yourself and others you know from a lot of problems. 1. The Random Email or Text Message Scam This technique is simple and less likely to work, but scammers try it anyway. This one involves a scammer sending the victim a random email or text message with a link in it, either at random or after they’ve had a conversation with the scammer. Once the victim clicks the link, malware is downloaded to their computer or cell phone. How it works: Because , the downloaded malware hijacks the victim’s Zelle account, allowing the scammer to take up to $2,500 out of the victim’s bank account per day. Zelle tends to be less secure than other financial apps Be very careful with what links you choose to click on. How to avoid this scam: If the text or email with the link on it looks suspicious, just leave it alone. 2. The Impersonation Zelle Scam This scam involves a person or company that the victim knows contacting them about money. The victim receives a text or email from their “water company” asking for a late payment through Zelle. How it works: The text will sell the idea that using Zelle is the most convenient option, and since it’s the “company” itself contacting the victim, it’s easy to trust the text. This scam can also come in the form of a friend or family member who’s actually a scammer that spoofed their number. The scammer will inform the victim that they’ve had an emergency and they need money fast. It just so happens that Zelle is the quickest way to help them out.
Once the victim sends the money to their “friend,” it’s gone for good. No reputable business will ask for payment through Zelle. . How to avoid this scam: The Better Business Bureau does not approve Zelle For friends and family members, call or text the sender right away and confirm the situation. You may trust the person contacting you, but there’s a high chance that’s not really them. 3. The Fake Job Scam With so many people looking for work online, it’s only natural for scammers to see an opportunity. After getting hired for a fake job through an online job board, the scammer sends the victim a payment request through Zelle to buy supplies to get started. How it works: Once the victim sends the money, they never hear from the “hiring manager” again. This scam is a classic one that most people can see through at this point. In 2023, scammers have added a small twist that’s, unfortunately, working on many people. With this twist, the scammer sends a check to the victim for around $2,000 to buy a laptop or some other high-ticket tool for the job. After the victim deposits the check, they are instructed to send the money through Zelle to another contact to purchase the tool. After the victim sends the money, the check bounces, and the money comes right out of their account. No job is going to send you money in order for you to get started. If the job needs to send you equipment, you don’t need to be a middleman. How to avoid this scam: Also, if the job is on a third-party job site but can’t be found on the official company's page, it’s a fake. 4. The Facebook Marketplace Zelle Scam This scam involves many steps and can happen with any auction-based website, but it’s mostly prevalent on Facebook Marketplace due to its popularity. How it works: The scammer browses through Facebook Marketplace, looking for someone selling a high-ticket item. For this example, let’s say the item is a $500 dollar washing machine. Once the scammer finds the perfect victim, they ask for personal information. The scammer manages to talk the victim into giving up the name of their bank and their account number. The scammer explains that they will deposit the money directly into the victim's bank account. The scammer then looks for more personal information about the victim on Facebook, like the victim’s age. The scammer calls the victim’s bank, pretending to be them. The scammer explains that they tried to deposit $1,000 into the account, but it’s not there, and they need the money right away. The bank, wanting to keep the client happy, issues a temporary $1,000 provisional credit. The scammer will then call the victim, telling them that they accidentally deposited twice the amount of money. The scammer instructs the victim to send them $500 dollars through Zelle, which the victim does. Later on, the bank retracts the provisional credit, leaving the victim down $500. Never give out your banking information to anyone you don’t know. How to avoid this scam: Also, in general, don’t send money through Zelle to anyone you don’t know. 5. Swipe Left: The Dating Scam When looking for love, make sure the other person’s not looking for your money. A victim lands on a fake dating profile and gets catfished by a scammer to send them money through Zelle. How it works: By the time the victim understands what’s going on, it’s too late. This scam usually takes a good amount of work for the scammer, who has to send hundreds of messages to the victim in order to gain their trust. However, in 2023, scammers have it easy by using AI to produce these messages. Texting might be convenient, but a phone call goes a long way when it comes to figuring out who you’re talking to. How to avoid this scam: 6. The Fake Puppy Scam It’s tough to resist a cute animal. Scammers know that. How it works: This type of Zelle scam was named after a woman who thought she was adopting a dog named Lilly from a seller she found online. The scammer asked for over $4,000 for the dog, insurance, and a pressurized crate in a series of Zelle payments. By the time she figured it out, the scammer was long gone. How to avoid this scam: If you’re going to spend thousands of dollars on a pet, it’s a good idea to make the exchange in person. Also, this scam doesn’t have to be a puppy; it can be anything, from a car to a PS5. Always meet in person if you’re going to spend large amounts of money. 7. The Kid With Candy Scam Yes, kids can be scammers too. How it works: A scammer, or a group of scammers, approaches a victim, asking for money in exchange for candy, a donation, or some other small item. The scammer knows that in 2023, most people aren’t carrying around cash anymore. So when the victim says they don’t have any money on them, the scammer quickly mentions that they accept donations through Zelle. The victim eventually caves and says yes. The scammer then talks the victim into giving them their phone to add their phone number to their Zelle account. Once the scammer has access to the victim’s phone, they work their scamming magic to send themselves, or a middleman, as much money as they can. How to avoid this scam: Don’t hand your phone to anyone you don’t know. Better yet, just don’t send anyone money through Zelle that you don’t know, no matter how adorable the kid is. https://www.youtube.com/watch?v=q-hz0Oojnhk&embedable=true How To Protect Yourself From Zelle Scams There are many more Zelle-based scams out there outside of the ones listed above. Here are some general rules for protecting yourself from these scams: Carefully inspect every email you get from Zelle, no matter how authentic they look. Remember that you never have to pay money to get a job. Check the sender’s email address every time. Look for “@Zellepay.com.” If the email address ends in any other domain extension, delete the email and block them. Remember that a bank will never ask for your login ID or password over the phone. Turn on two-factor authentication for the Zelle app. The extra step makes it harder for scammers to get into your account. Keep a close eye on your bank statements. If a scammer gets into your Zelle account, they’ll sometimes send small amounts of money to themselves and hope you don’t notice. Don’t take any chances. Only send money through Zelle to someone that you know. How To Report a Zelle Scammer If you have a Zelle account, you can contact customer support at 1-844-428-8542. If you get scammed and you don’t have a Zelle account, you’ll have to contact your bank’s fraud department. If you want to try and stop the scammer from getting someone else, contact the . FBI’s Internet Crime Complaint Center Conclusion Yes, Zelle is convenient. Convenient for you and convenient for scammers. When sending money to people you don’t know, avoid Zelle at all costs.

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Zetl

zetl.com

31 employees

Since 2018

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Zetl

EVERGREEN INDEX #2109

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