In most countries, they’re unregulated and have become fertile ground for scams and frauds. Regulatory uncertainty for ICOs has also allowed entrepreneurs to slide safety tokens disguised as utility tokens previous the U.S. Since the mid-2010s, fintech has exploded, with startups receiving billions in venture funding and incumbent monetary companies either snatching up new ventures or constructing out their very Technology news own fintech choices. And peer-to-peer lending sites like Prosper Marketplace, LendingClub, and OnDeck promise to reduce rates by opening up competitors for loans to broad market forces. Business mortgage providers such as Kabbage, Lendio, Accion, and Funding Circle …