Early Stage Equity: Fantasists v Realists

Equity crowdfunding is a new trend, an alternative or a complement to angel investing and venture capital (VC). Advocates of crowd equity talk about bringing new money to the table and the opportunities for ordinary investors who aren't high net worth individuals (HNWIs) or what the regulators call "sophisticated" investors. There's an active debate about how equity crowdfunding fits in and how it might change the playing field.

horse in a party hat, pretending to be a unicornNot mythical, rare, or particularly valuable

General Awareness of P2P Lending Grows - But The Details Are Devilish

crowd crowdfunding

Awareness of peer-to-peer (P2P) lending is increasing, but people don't fully understand how it works, and aren't aware they could lose money, or have to pay tax on their earnings, according to a survey funded by the Yorkshire Building Society.

There is some feeling in the crowdfunding industry that the survey is a piece of scaremongering. After all, banks and building societies currently offer savings products with yields at or close to historic lows. The survey focuses on awareness of security - an area where deposit-type savings accounts benefit from the Financial Services Compensation Scheme. Let's examine the survey.

Yorkshire Building Society logo

Yorkshire Building Society comissioned research through YouGov in January to test the public's awareness of peer to peer lending. Out of a random sample of 1,541 UK adults, 42 per cent said YES, they had heard of this new financial service. But when tested on how much they knew about it, the poll revealed that relatively few fully understood the detail of how P2P lending actually works.

Crowd Funding At The Speed Of Bitcoin - Lighthouse

Start Point Lighthouse, Devon, UK

BitPay, the bitcoin processor that allows online retailers to accept bitcoin but get local currency almost instantly into their local bank accounts, has just announced what promises to be a major leap forward in identity management and internet security - BitAuth.

BitAuth is a technology that allows you to keep your web site password securely stored on your local computer and prevents the login in process from being attacked by computers listening in on the Internet inbetween using bitcoin technology. The winner of what effectively was a "crowdingfunding platform" prize was announced - Lighthouse. Moreover, when Lighthouse is released it will be open-source. In other words, it will be free for anybody to use, not necessarily with bitcoin.