OneSpan is a Web3 platform that offers a dedicated eClosing solution designed to digitize and secure the entire lifecycle of high-value digital agreements, particularly in the mortgage and lending industries. The platform streamlines the closing process by enabling remote online notarization (RON), electronic signatures, and identity verification, all within a secure and compliant digital environment. A central component of this solution is the OneSpan eVault, a specialized repository for managing the authoritative copy of critical digital documents, such as promissory notes (eNotes).
To provide an unparalleled level of trust and auditability, OneSpan has integrated its platform with ProvenDB, a data integrity service built on the Hedera network. When a document is signed or a key milestone is reached in the eClosing process, a cryptographic fingerprint (hash) of the agreement is anchored to the Hedera public ledger. This action, facilitated by ProvenDB, creates a permanent and immutable timestamped record on the Hedera Consensus Service (HCS).
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Vancelian is a financial services application that combines traditional finance (TradFi) expertise with blockchain technology to offer high-potential investment and savings solutions. Its stated mission is to make investing and saving accessible by providing expertly designed, high-performing financial products. It is registered with France's Financial Markets Authority (AMF) as a Virtual Asset Service Provider (VASP) in compliance with French and European regulations.
The Vancelian platform provides several storage products, including "Flex Vault" for daily interest, "Blockchain Vault" for Bitcoin mining returns, and "Term Vault" which combines Bitcoin mining with DeFi strategies. It also facilitates automated portfolio management, trading services for more than 90 cryptocurrencies, and dedicated IBAN services upon registration as well as a Vancelian Visa card.
Vancelian features seamless integration with Hedera Hashgraph with additional security through know-your-customer (KYC), multi-party computation (MPC) technology in partnership with Fireblocks, and regular penetration tests. It is general data protection regulation (GDPR) compliant.
IOWNME is a platform developed by IPrivata, a company focused on data privacy and digital rights. Its designed to provide individuals with a way to assert ownership and control over their personal data, particularly in the context of name, image, and likeness (NIL) rights for athletes.
The core of the IOWNME service is the platform’s Declaration Certificate, a legally-grounded digital certificate that establishes a root proof of authenticity for an individual's data. This certificate links the rights embedded in a patent to an individual's personal information, effectively transforming the enforcement of data privacy from a matter of privacy policy to one of property rights, intellectual property, and contract law. This provides a more robust and proactive framework for individuals to protect and monetize their personal brand and content.
The IOWNME platform is built on the Hedera network. IPrivata is working directly with the Hedera Foundation and Acoer, a DLT developer, to integrate the Declaration Certificate into the Hedera ecosystem.
HaitiPay is a Haiti-based fintech company focused on digitalizing the country's economy and increasing financial inclusion for underserved communities. Its core services are delivered through an API-enabled digital banking platform. This includes a mobile wallet that is designed to be universal and telecom-agnostic, capable of turning even basic feature phones into electronic payment devices.
The platform facilitates a range of financial transactions, including local and cross-border e-payments and remittances. By enabling electronic payments, HaitiPay supports merchants in expanding their sales and provides a secure and traceable way for all users, from rural farmers to urban merchants, to access digital financial services.
In collaboration with EMTECH, a CBDC infrastructure provider, HaitiPay has developed a proof-of-concept for a potential Central Bank Digital Currency (CBDC) in Haiti. This solution is built on the Hedera public distributed ledger, chosen for its high throughput, low fees, and security. This integration is designed to lower the cost of payments and provide seamless access to digital cash.
Emtech is a financial technology company that provides a full-stack Central Bank Digital Currency (CBDC) platform for central banks and other financial regulators. Its purpose is to equip its clients with tools to issue their own digital currencies and to empower these institutions to lead innovation in financial services while ensuring regulatory compliance and stability.
The company’s offerings are centered around two key products. The first is its CBDC Core Solution, which provides the underlying technology for a central bank to mint, distribute, and manage a digital currency. The second is its innovative Digital Regulatory Sandbox, a controlled environment where fintechs and other financial service providers can build and test new applications using the CBDC, all under the direct oversight of the regulator. This collaborative approach helps bridge the gap between innovators and policymakers.
Emtech has a significant partnership with Hedera, having announced that its CBDC platform is built on the Hedera public ledger. By leveraging Hedera's high-throughput, secure, and low-energy network, Emtech can offer central banks a highly resilient and auditable infrastructure for their digital currency operations.