One of my favorite FinTech companies would be Celsius. They offer several different services which include earning interest/rewards on assets, lending/borrowing, as well as buying/selling/transferring funds and crypto assets. It offers a user-friendly experience that is accessible to anyone familiar with computer/mobile applications. This serves as an easy bridge for someone less familiar with the cryptocurrency ecosystem into the easy use of these digital assets. It also serves as a relatively safe and secure way for those who want to hold their crypto assets to earn passive income on them.
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Transferwise is my pick.
I have been using them the past 3 years in all my travelling and they have a simple and cheap and needed service - to transfer funds (almost instantly) across multiple currencies at the cheapest rate. The UX is easy to use also.
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Celsius is one of my favourites,
They are active in Europe.
One thing I really liked about them was how they humanised and simplified the whole blockchain usage.
Its so interesting
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My favorite fintech is Tikkie (Dutch Fintech firm).
This app allows you to share expensen among your friends. For example: if you go out for a dinner with 4 friends and 1 person pays for everybody, that person can send through WhatsApp a Tikkie to the others to pay their share. I know this sounds cheap but is normal in The Netherlands. In English, there is even an expression for it: going Dutch. Everybody pays for his share. I like it. This Tikkie app is really good because it understands the Dutch culture. Tikkie is compatible with almost all Dutch banks, therefore, it is widely adopted.
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- Share some information about your favorite Fintech. What are they doing and where are they active? Motivate why they are your favorite fintech.
Paypal. It was the first fintech I encountered without knowing it was actually fintech which allowed me to transact worldwide without the exorbitant fees that modern bank typically charge.
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My favorite fintech is Revolut. I have been a customer for over 2 years. The only point I find really annoying is their curiosity where my funds come from. However, I understand that they have to comply with “anti-money-laundering laws”. Apart from that, Revolut is ideal to make money transfers all over the world, free and quick. I appreciate particularly the possibility to hold and spent different currencies, interchange them at good rates and and make instant transfers to other Revolut clients. They have more perks, like health and travel insurance, access to VIP lounges. The latter two only in the upgraded pay version.
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Celsius Network is my favorite so far. It provides high interest for passive income. The CEO is an accomplished entrepreneur and will lead this company very far. The company is so very transparent. New features are to be added in 2021, such as swap.
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- Share some information about your favorite Fintech. What are they doing and where are they active? Motivate why they are your favorite fintech.
For me it’s Sbanken in Norway. They are the first bank I can recall in Norway that enabled zero fee payments in Norway. They are earning their revenue through loaning and investing services at least. Maybe more also. They are active in Norway and are a popular bank. I have not heard of any huge dissatisfied customers. The UI is super IMHO.
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I’m with Hugo, Reza and BTC on this one, Celsius is great. I can see them as my main bank in the future, using API connection to fiat bank system for cash tx.
It would be a real game changer to be able to deposit fiat currencies in CEL or something like it to earn decent interest rates. Make the conversion to and from stablecoin automatic for customers. It would open up the market to the less technically inclined population.
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*Share some information about your favorite Fintech. What are they doing and where are they active? Motivate why they are your favorite fintech.
My favourite Fintech by far is Celsius because they allow you to earn substantial % gains on your cryptocurrency assets, or take out cost-minimised loans against these assets (0% APY in UK with no early repayment charges) & thereby also contribute towards industry growth by locking up assets & “reducing” sell-side liquidity on exchanges (not totally “removing”, as Borrowers include established exchanges & this mitigates lending risk).
In terms of interest income, no other companies give as much revenue back to their users (80% of total), also achieved through organic community growth & in this way Alex Mashinsky’s leading Cefi & crypto-native peertopeerlending & Fintech giant are arguably more decentralised in terms of their “ownership” than your standard Defi player: an 80% rev-share is unique.
If you agree with me, please do like my LinkedIn post: https://www.linkedin.com/feed/update/urn:li:activity:6751922263873863680/
I would really appreciate it 
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Good pick… I chose Celsius and in using their loan offering I had to receive USD to the UK from the US. Transferwise charged a very reasonable/inexpensive rate, and when I sent the funds from my TFW account to Barclays, they cleared in 3 seconds. Now that’s impressive.
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Celcius, Crypto.com and in Switzerland - TWINT. (https://www.twint.ch/en/about-us-twint/)
Twint was not widely used up until around 2018 and now they are very popular.
Anyone with any Swiss Bank account can use it to send each other money (via phone number), Pay Parking or Store/Online purchases via QR code payments.
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Celsius Network.
You are able to earn passive income with high percentage interest on you funds. You do have a choice on what tokens you would like to be paid out for your interest… (BTC, USD, CEL ect) you are able to access your funds when ever suits you. They have a great community. They are very transparent and adding to the platform constantly.
Easy to borrow funds also.
Excellent. 
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I like and use Celsius, I like the fact that they share most of their profits with the users and have good tokenomics for the Cel token. It is good to get some passive income by leaving our crypto assests with Celsius, they have an excellent record so far, however I am never at ease when I have to trust my funds to a 3rd party. It would be good to be assured that our cryptocurrencies are insured.
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I have been using transferwise for some time now. It is my favorite because it gives the ease of banking - you separate your private and business account very easy- and it has the exchange service which makes it very easy to pay freelancers in foreign countries in a matter of minutes.
what I do miss with transferwise is a payment gateway to be used in e-commerce.
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I think that Crypto.com is good to a point, put they need more work over security and technical issues.
I am wondering why didn’t any one of the participants talk about Coinbase, they are doing a great job! But their fees are high.
Although that Fintech sector is growing in a very high speed, but I think that it is still at the very beginning point of a long and wide road.
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My favorite Fintech is TransferWise. I’ve been using them for years and love how they have gradually innovated their services without ever compromising their core product. I was recommended TransferWise by a Fx banker which always makes me smile.
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It’s a very good point, Coinbase was the app where I first onboarded into crypto. However, as my needs changed so did my choices. And yea there’s a long way to go for the industry.
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I’ll go with a few of my favorite Fintechs:
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Venmo - US company owned by PayPal. Account holders can transfer funds to others through the mobile app. I’ve used Venmo since I was a student, transferring my fair portion of the pizza party, to also being able to pay small businesses with Venmo
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TransferWise - Money transfer service with multi-currency accounts. You are able to send/receive money with international bank details and track transactions through the mobile app. Very useful if you have multiple bank accounts.
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Acorns - US financial services company. Specializes in micro-investing. This is a good app if you want to invest small portions of money without having to worry about buying and selling shares. You can choose your type of portfolio (conservative or aggressive) and you can also link your debit card to round up extra change from purchases to invest.
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