CTD Connecting the Dots
CTD Connecting the Dots is a boutique firm providing consultancy, marketing research and strategy, and project management services in the area of Payments, Remittances and Financial Inclusion.
Banks charge a lot for overseas transfers. We don’t. Transfer money abroad easily and quickly with our low-cost money transfers. We move more than £1 billion every month and save customers over £1.5 million per day in foreign exchange.
Hidden charges, big FX markups and slow transfers are going to be a thing of the past. And we think this is something that customers, businesses and the banks are waking up to.
At TransferWise we started out solving the problem for people who were sending money. We’ve built an international transfer experience that is 10x better than the bank alternatives, creating our own global payments platform and solving the hard problems of speed, convenience, reliability, and cost.
Copernicus Gold enables anyone, anywhere, in a transparent and secure manner, to digitally acquire, save, store or use as payment, any amount of gold. Copernicus Gold operates a multi-currency cloud-based platform that enables the issue of an amount of digital gold, in any measure, which is represented by gold bullion that has been purchased in advance of the issue of digital gold and stored in Singapore.
The company issues digital gold or money that is linked to a physical store of gold, which enables anyone, anywhere to acquire and save digital gold that can be redeemed for physical gold at a retail store, or used to make payments online. Currently, digital gold is redeemable at retail stores in Singapore for gold coins or gold jewelry. Copernicus Gold is a platform for issuance and circulation of electronic currencies developed on the basis of the blockchain technology. From the very beginning of its development, the project was designed to feature an open API (https://github.com/copernicusgold/api) and has been functioning as a Bank-as-a-Service allowing to accomplish the tasks of holding wallets (accounts) in different currencies, assets (including a currency linked to physical gold bullion), with the purpose of investments, carry out conversions with market spreads between such wallets, as well as carry out transfers between its users. Its clients are both individuals and corporate entities.
COSS stands for Crypto-One-Stop-Solution and represents a platform, which encompasses all
features of a digital economical system based on cryptocurrency. The COSS system consists of a
payment gateway/POS, an exchange, a merchant list, market cap rankings, a marketplace, an e-wallet,
various coin facilities and a mobile platform. The COSS platform unifies all transactional aspects that
are usually managed by means of FIAT money, and offers multiple cryptocurrency-related services in
one place. The list of potential features of the platform can be infinitely extended and will continue
growing as the platform evolves.
Utiba is a mobile transaction service provider which allows users to transfer money globally. It offers electronic top-ups, airtime sharing, wallet-based fund transfers within and across international borders to mobile operators, banks, microfinance institutions, retail merchants, and international remittance agencies. It was acquired by Amdocs in March 2014.
Card.io has developed SDKs for iOS and Android apps, which enables it to scan credit cards with a mobile phone camera for accepting payments. It also launched its own consumer app for P2P payments. Card.io was acquired by PayPal on July 2012.
BillPay is a free unified billing and payment service that makes billing and payment experiences convenient & environment-friendly. Companies or customers can send and receive bills on the BillPay platform. The platform consolidates all bills onto a single platform, giving ubiquitous access to consumers.
Alpha Payments Cloud is a payments-focused cloud-based IT firm that provides merchants, banks, and payment product providers access to the global payments world via one integration and platform. Alpha Payments Cloud developed the industry’s first comprehensive cloud-based enterprise app store for payments. It was selected for the spring 2016 class of the Wells Fargo Startup Accelerator.
Arttha is a Digital Bank in Box software with solutions for omnichannel payments and loans
Payru is an e-wallet offering providing alternative payment methods directly to merchants
A bleeding edge FinTech start- up that offers a disruptive, cost effective and unique SoftPOS
Currencycloud connect is designed for customers who want to make payments. By accessing the currency payment engine via API, customers can automate end-to-end international payment processes and deliver sophisticated solutions which are tailor-made.
Atome is part of the Advance.AI family, whose story starts in 2016. We are backed by top tier VCs such as Pavilion Capital (a subsidiary of Temasek Holdings), GSR Ventures, ZhenFund and AlphaStartups.

NewPay Foundation focuses on the business of fintech field based on blockchain technology. Our aim is to build a sharing-profit economy model together with various industries under the mindset of Blockchain.
Chynge is money exchange service provider. The company provides a mobile-based platform for tranferring money/currencies across the country. It allows the users to exchange their currencies with another one depending on their needs and its volume. Currency can be selected based on the country whenever and wherever an user want it to do so. Currently, the website is under construction.
Kanz Remit offers a broad range of money transfer solutions and services for corporate and private clients, with an emphasis on speed, security, flexibility and high quality service.
PayX is a well-known specialist global Payments Market Analyst, Consultancy & Nextgen (FinTech) portfolio firm. We are now the trusted advisor to many of the world’s leading payment organisations where we utilise our knowledge and experience to extend their success.
PayX has established itself since 1996 as a thought leader in the international Payments Industry working with many of the top leading payment organisations (such as Banks, Processors, Vendors and FinTech) and the leading Investment Community players (Institutional Banks, Wall Street, Private Equity etc), both covering 5 continents.
PayX is one of the very few firms who truly understand the macro and nuanced levels of the Payments Industry, leveraging experts with unrivalled knowledge and experiences from across the globe, to deliver quality end-to-end results from market insight and strategy, through to business development, through to delivering and operating what was promised.
Ascan Marketing Services Pte Ltd has been providing comprehensive offline payment ecosystems for the Singapore market since 1999.
We include multiple payment modes and functions on the same terminal by developing a powerful and scalable switch and provide a backend reconciliation portal to merchants.
Our solutions include the following:
• EDC Payment Terminal Solutions
o Wired and Wireless
o Kiosk / Self-service Solutions
• Loyalty Rebates & Redemption
• PayPoint Digital Payment Switch
• Flexible POS Integration
• Signature Capture & Storage (DRMS)
Kubia is a Digital Bank, that offers multi-currency current accounts, instant internal money transfers between Kubia customers with QR codes or mobile number. As well as pre-paid debit cards, corporate solutions, client support chat and referral program.
Kashmi is an Asian peer-to-peer mobile payment solution operating through a free, unrestricted network, with embedded social media functionality. Kashmi users utilize the platform as their primary bank account, where users are able to manage their finances, send/receive money to friends or service providers as well as save, invest (stocks, etc.), and take loans.
We are the global leader in Augmented Identity for an increasingly digital world And this is no smal