CrossTech Magazine - 8th Edition October 2022

CrossTech THE MAGAZINE OF THE CROSS-BORDER PAYMENTS INDUSTRY Special Women's Edition Preparing for an Independent Review of a Money Services Business’s (MSB) AML Program

2022 CrossTech Innovation Awards Vote now!

TO KEEP IN MIND NEAR Protocol the next blockchain capable of becoming the future of Web3

CRYPTO NEWS

INDUSTRY LEADER

MARINA OLMAN 4Q 2022

Greenberg Traurig, LLP

EDITOR’S LETTER

Priscilla D'Oliveira Friedman Priscilla comes with an extensive background in operations management, strategy, process improvement, consulting and training. She started her career in American Express where she led a variety of teams in the call center industry (executive customer care, dispute resolution network and social media response team).

EDITOR’S LETTER

EDITOR Hugo Cuevas-Mohr CO-EDITOR Priscilla D’Oliveira Friedman WEB EDITOR Virginia Martínez DIGITAL PRODUCT MANAGER Ana González CREATIVE MANAGER Carolina Busnelli CONTACT US AT María Auxiliadora García help@crosstechpayments.com

In the first year of our monthly editions, we have had the opportunity to highlight industry leaders that contribute to building - The magazine of the cross-border payments industry - and strengthen the community sense that brings us all together in this new space.

At CrossTech, we are delighted to see the efforts of each company working to highlight their experts, getting them to be known for what they do best.

After eight editions, we are more than happy to present our first "Women's Special Edition" to recognize the relevance of the work they are doing and how they add to this industry that is fostering all

The views and opinions expressed in this magazine are those of the authors and contributors and do not necessarily reflect the position of CrossTech, The Platinum Network or IMTC. The content here is for informational purposes only and should not be taken as investment, business, co mp lian ce, or le ga l ad vice. Co n ten t contained within this publication is not to be reproduced in whole or part without the prior written consent of the company. We welcome quotes of our articles by mentioning “CrossTech Magazine” or #crosstech and share the quote with us using our social media channels.

of them and letting us with big expectations of the ones that are to come.

We want to thank all of you, our readers, for being part of this first year.

Enjoy this wonderful issue!

COO, CrossTech

© 2022 | ALL RIGHTS RESERVED

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Contact: remittance@bancodaycoval.com.br

CONTENTS

NEXT ISSUE NOVEMBER

2022

Special Women's Edition FINTEL INSIGHT Revolution or evolution?

Digital remittance in Asia Pacific

INDUSTRY LEADER

Page 8

CRYPTO NEWS O essencial a se saber do novo Marco Legal de Câmbio e de Capitais Internacionais do Brasil Page 10

MARINA OLMAN Greenberg Traurig, LLP

TO KEEP IN MIND Improve your BSA/AML Compliance System based on your personality Page 12

GADGET CORNER Revolution or evolution?

Digital remittance in Asia Pacific

Page 18

Page 14

VRT SERIES "Road to World" 2022 Page 24

SPONSORS

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HOTEL MAPS

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AGENDA

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COURSE/WORKSHOPS

34

SPEAKERS

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TEAM

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CONTRIBUTORS

YOU ARE READING

Brandi Reynolds - To Keep in Mind Brandi B. Reynolds, CAMS-Audit, CCI, CCCE is Managing Director of AML Compliance at Bates Group. She has more than 17 years of experience in the financial services industry supporting companies in the areas of antimoney laundering (AML) and consumer protection compliance.

Cristina Loustaunau - Crypto News Cristina Loustaunau is a Co-Founder of "La Zona Tres," an educational project with the mission of being a bridge between protocols and becoming a great community of Web3 communities. Her work in Web3 extends to NEAR Education Stakeholder, who brings blockchain education about NEAR throughout LATAM. Cristina is also a builder strategist of Web3 communities aimed at building educational communities on the blockchain. Marketing Lead at Nativo NFT, a marketplace platform for NFT on NEAR, and Professor at the Technological University of Nayarit.

Deepan Dagur - Fintel Insight Financial institutions leader with strong sales transformation and business performance track record. Experienced in multi-geography Sales leadership, Cash management, Trade Finance and Supply Chain solutioning, Financial Institutions coverage, Strategy development and B2B product innovation.

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FINTEL INSIGHTS

REVOLUTION OR EVOLUTION? DIGITAL REMITTANCE IN ASIA PACIFIC

Deepan Dagur Vice President, Head of Visa Direct, Asia Pacific at Visa

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ross-border payments are the lifeline of many developing and exporter markets. Asia Pacif ic is no exception.

Research shows that companies want their benef iciaries to receive cross-border payments faster—within 3 business days or less (78%).[1] With Visa Direct, Visa’s realtime* money movement solution, we have seen increased demand for our cross-border payment solutions f rom the send players in the ecosystem, including banks, remitters, f intechs, online merchants and payment processors.

New demands require new solutions The impact of COVID-19 has strengthened the demand for digital solutions across the board, and this is especially true for cross-border payments. Cash drop-off and pick-up became increasingly diff icult during the pandemic.

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In a relatively under-banked Asia Pacif ic region, we understand the power in reaching consumers where they are, be it account, card or digital wallet—giving send partners access to 3B accounts, 2B cards and 4B wallets globally.

At Visa, we recognize the continued role of the account as the endpoint, especially for larger ticket transactions.

often sold in small affordable “daily-use” sachets—with empirical data showing that a reduction in unit cost drives a dramatic increase in unit sales.

Simultaneously, we are experiencing demand for alternative endpoints. In a relatively under-banked Asia Pacif ic region, we understand the power in reaching consumers where they are, be it account, card or digital wallet—giving send partners access to 3B accounts, 2B cards and 4B wallets globally.

Digital remittances are showing a similar trend. The average unit cost of a digital remittance has gone down, both in terms of transaction cost and FX spreads. With this, we have seen a corresponding increase in the number of transactions.

This trend will continue, highlighting the need for send partners to be equipped to process larger volumes of lower ticket transactions.

As our proprietary network, we have effectively delivered funds to cards as an endpoint for some time.

Our 2019 acquisition of Earthport, which is fully integrated as Visa Direct Push to Account, has added accounts to our global endpoint reach.

As the number of tickets increases, so does the imperative for Straight Through Processing, high authorization rates, and the ability to handle client enquires at scale.

In large developing markets such as India, Indonesia, Vietnam, and the Philippines, consumer products such as shampoo are

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WOMAN IN WEB 3.0 "Driving efforts to bring blockchain education to LATAM and Hispanic countries."

CRISTINA LOUSTAUNAU Educational Stakeholder NEAR Hispano

PR O F E S S I O N A L PR OJ E C T S

NEAR Protocol (Hispano) Educational Marketing Lead & Stakeholder Web 3.0 community strategist Marketing Lead at Nativo NFT NFT marketplace platform to promote Latin cultures in LATAM and Hispanic countries.

Entrepreneur Founder of a Web 3.0 project "La Zona Tres" A virtual space aiming to increase educational impact, marketing, and blockchain development projects and to build bridges between protocols. In other words, to become a community of communities within Web 3.0.

CRYPTO NEWS

NEAR PROTOCOL THE FUTURE OF WEB3 Why NEAR will be the next blockchain capable of becoming the future of Web3

Cristina Loustaunau

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eb3 is the name that various technology specialists have assigned to a new type of internet service built using decentralized blockchains, that is, shared ledger systems that use cryptocurrencies such as Bitcoin and Ethereum.

through a peer-to-peer network substrate without the need for third parties. The result: a human-centric, privacy-preserving composable computing fabric for the next wave of the web.

Currently in the cryptocurrency space, there are two dominant currencies, each with a different purpose. Bitcoin was the f irst prominent cryptocurrency created and has been king, while Ethereum is ranked number two.

However, some critics believe that web3 is little more than an effort to rebrand everything related to cryptocurrency, with the aim of shedding some of the industry's cultural and political baggage and convincing people that the blockchain is the next natural phase of computing.

Bitcoin and its alternatives (Litecoin, Dogecoin, Monero, Bitcoin Cash, etc.) are used more as inflation hedges, treasury assets, and as currencies.

But the rise of Web3 also reflects the amount of capital, talent, and energy that is being poured into crypto startups after years of a cryptocurrency bull market.

Ethereum and its alternatives (Binance chain, Cardano, Solana, Tron, NEAR, etc.) are mainly used as smart contract platforms to build and create applications, while native tokens are used for gas fees to transact on the internet. net.

Web 3.0 enables a future in which distributed users and machines can interact with data, value, and other counterparts 11

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Today there is a wide variety of Blockchains the market. future of Web 3.0, Blockchain known as Layer 1 (or layer 1) that have technology and at the center of the crypto been developed seeking to overcome the scene and all the decentralized applications shortcomings presented by Ethereum (dapps) that are being developed and will which have become increasingly evident, be developed f rom here on using said especially the cost of transactions, which technology. at times makes prohibitive use of the network, as well as how NEAR Protocol is a secure and According fast Ethereum can process decentralized platform to create to the transactions and the number of blockchain-based dApps that transactions it can process per are capable of managing digital developers of second. assets and identities. the protocol, Some of these Blockchain Layer 1 include: Avalanche, Cardano, Polkadot, Solana, EOS, Cosmos and NEAR Protocol.

applications

According to the developers of the protocol, applications can deployed in a be deployed in a few minutes. few minutes.

The main mission of the NEAR project is to make the process Now, we are going to focus on of developing, using and the strengths and characteristics that maintaining dApps as simple and fast as make NEAR Protocol stand out among the possible. different Blockchain options that currently exist (such as those mentioned in the Therefore, NEAR will facilitate communityprevious paragraph) and that position it as driven innovation and allow people all over one of the protocols to take into account in the world to benef it f rom it.

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A brief history of NEAR It started with AI

The vision was born

Foundation established

NEAR Mainnet launched

First phase of sharding started

NEAR closed a $500m funding round

2017

2018

2019

2020

2021

2022

They decided to build their own blockchain – the NEAR protocol was born. This was the origin of the vision to give developers an easy path for building decentralized applications that could easily scale.

The NEAR Foundation was created as a nonprofit organization fostering NEAR’s ecosystem growth and protocol development.

NEAR mainnet was launched in April 2020, and became completely communityoperated in September 2020.

A vote to enable token transfers passed in October 2020.

Sharding is the unique technology that enables the NEAR blockchain to scale effortlessly.

After two funding rounds in 2022, NEAR has the means to support further the protocol development and ecosystem growth.

Illia Polosukhin and Alexander Skidanov started NEAR.ai to explore synthesis, proclaiming, “Singularity is NEAR!” They tried to pay contributors through Ethereum but quickly found out it was not fit for the job.

Advantages of the NEAR project

NEAR TOKENOMICS

Progressive security. Users do not need passwords or browser extensions to register and access applications. Instead, only an email

Like all public Proof-of-Stake networks, the NEAR Protocol incentivizes its decentralization with its own coins called NEAR. When validators process transactions, they receive NEAR as reward, just like Bitcoin miners.

and password are required.

Smart contracts compatible with Web Assembly Virtual Machine (WASM), RUST and Javascript SDK. Detailed application templates can be used to

In turn, by processing transactions and receiving NEAR, validators issue new tokens into NEAR's circulating supply.

use one.

Scalable, high-performance blockchain applications can be deployed in minutes.

This token issuance rate is called inflation, quite similar to when the Federal Reserve stimulates the economy with trillions of dollars.

Fees are 10,000 lower than Ethereum.

READ COMPLETE ARTICLE

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NAVIGATING THE MONEY TRANSMITTER LICENSING PROCESS

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etermining if you are a money transmitter and then navigating the licensing requirements can be a daunting task. This guide is meant to ease the pain of that process with some helpful tips as well as great resources.

Money transmitters are a part of the broader category of MSBs.

What is a Money Transmitter?

Essentially, anyone who operates a money services business (MSB) that moves money f rom one business to another or one person to another is a money transmitter.

What does the State Licensing process involve?

While registration with FinCEN is straightforward, state licensing requirements have been found to be extremely diff icult to navigate.

According to the Financial Crimes Enforcement Network (“FinCEN”), a money transmitter is anyone who transmits money over certain thresholds for others as a normal part of doing business. This may include individuals or business that:

The details of the money transmitter license process vary f rom state to state.

Below is a list of common requirements in many states: Complete state’s license application(s) Provide personal and business f inancial statements Provide proof of meeting a given net worth requirement Agree to a background check Pay application and license fees

Process traveler ’s checks Exchange or deal in currency, potentially including virtual currencies Cashing checks Process money orders Transmit money in other ways XT

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Brandi Reynolds

|Managing Director, AML & Compliance,

TO KEEP IN MIND

Bates Group

Additional Resources Below is a list of helpful resources as you start your journey into money transmitter licensing or maintenance of your existing licenses.

Provide business plan Provide compliance program Obtain surety bonds Other state-specif ic requirements Do virtual currency businesses need a license?

The short answer is maybe. The best way to know for certain is to obtain a legal analysis. State requirements vary, and one wrong mistake can result in conducting unlicensed money transition.

FINCEN

NMLS

The current regulatory f ramework relating to cryptocurrency is still a gray and rapidly evolving area for both regulators and businesses.

BATES GROUP

It can be diff icult to determine if certain licensing requirements extend to virtual currency companies because laws have yet to be updated or are being created. Additionally, one aspect of the business may require a license but not another.

Originally published March 3, 2022 LEARN MORE

Learn more about Bates’ services for Money Services Businesses (MSB), FinTech and Cryptocurrency f irms.

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Payment technology so cutting edge, you’d think it was from the future.

Meet us at Crosstech World 2022 Miami 15 - 17 November / booth #G1

PRACTICE FOCUS Financial Services Regulatory Compliance Fintech Payments Banking Blockchain & Digital Assets Corporate Latin America Practice

Greenberg Traurig Shareholder XT

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INDUSTRY LEADER

MARINA OLMAN-PAL 21

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Good leaders are passionate, committed and courageous. The best leaders I know can identify and support the strengths and talents of their team members, and build teams that collaborate and are committed to achieving common goals.

XT. Tell us about your professional trajectory and the role you have within your company.

MO. I began my legal career focusing my practice on bank regulatory compliance matters and was fortunate to be mentored by a leading lawyer and an authority on anti-money laundering laws and regulatory compliance.

After a three-year sabbatical to stay at home with my two young children, I joined Greenberg Traurig as a practice group attorney and once again was fortunate to work alongside another leading lawyer in financial services.

Having worked on numerous complex transactions and regulatory matters in the fintech and banking sectors throughout my career, many with multi-jurisdictional components, I developed a solid fintech, payments and bank regulatory compliance practice, with a focus on Latin America.

Born in Argentina, my native Spanish is a major advantage when working with clients and local partners in the region. Being Latin American, I connect naturally with our clients and counterparts, and understand the idiosyncrasies of the region.

With my cultural background and native Spanish, I am able to effectively guide our Latin American clients through the legal and regulatory frameworks applicable to their business in the U.S. and, in outbound matters, work effectively with local partners to guide our U.S. clients in ensuing compliance with laws and regulations in the region.

My career has progressed quickly at GT, where

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I was elevated to shareholder in early 2022.

My work has been recognized by The Best Lawyers in America, Corporate Law, 2023, and The Legal 500 Latin America Guide, "Latin America: Mexico," Banking & Finance, 2023. I have also been selected by the National Law Review as a “Go-to thought Leader” in AntiMoney Laundering matters.

XT. What elements have marked your trajectory in Greenberg Traurig, LLP? MO. At Greenberg Traurig, I’ve had endless opportunities to further develop my practice and grow professionally.

Due to the collaboration between our offices and attorneys, and our firm’s diverse client base, I have worked on a broad range of complex and innovative fintech, banking, digital assets and payments matters.

process of achieving goals and objectives?

MO. Good leaders are passionate, committed

With the support of the firm, I am also involved in fintech and banking industry groups, participating in industry committees, speaking on panels and publishing articles on legal and legislative developments.

and courageous. The best leaders I know can identify and support the strengths and talents of their team members, and build teams that collaborate and are committed to achieving common goals.

This year, I was given the opportunity to lead our Miami office’s financial services practice.

The firm has trusted my experience and knowledge in this highly specialized practice area and has provided me with the tools and support I need to ensure our practice continues to grow. This has been one of the most challenging and most exciting moments in my career.

As a Hispanic woman in a leadership role, I view mentorship as a responsibility, particularly when it relates to mentoring other women.

I recognize that I would not be where I am today without the mentorship I have received throughout my career. Mentorship must involve support, accessibility and opportunities for growth. Thus, I strive to continuously connect with my team and keep an “open door” policy for questions and brainstorming. This is important not

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only to help my team succeed with their assignments, but also to guide them through the intricacies of starting and advancing their careers at an AM Law Global 100 law firm.

XT. What does "success" mean to the company? What does it mean to you?

MO. Success at Greenberg Traurig means supporting our clients in meeting their business goals by delivering excellent service and value through our collaborative platform.

Adaptability to change is critical in this practice area and I love the intellectual challenge that comes with it.

For me, it’s been very rewarding to see how the firm’s model has supported the growth of our fintech practice.

XT. What inspires you to move forward in/with your company?

Since I joined the firm, our fintech client base has grown from early-stage disruptors and middle-market firms to sophisticated multinational and Fortune 500 companies that are at the forefront of the industry.

MO. Greenberg Traurig has a culture that is centered on diversity, teamwork and client service.

At the firm, I can collaborate with a diverse, knowledgeable and deeply experienced team to provide my clients a full-service experience and help them navigate through transactions and legal and regulatory frameworks applicable to their business.

Greenberg Traurig is now recognized as one of the leading firms in the fintech and digital assets sector, ranked in Chambers and Partners in the U.S., Japan, Mexico and Poland, as well as the Legal 500s’ Fintech U.S. Guide.

Success as a fintech attorney means evolving with the industry by staying abreast of legislative and regulatory developments, and understanding the development of new financial products and services models, and the technology that supports them.

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collaboration,

This, together with the invaluable support and f riendship I receive f rom my team, colleagues and mentors, inspire me to continue growing and moving forward within the f irm.

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GT L AW.COM

BIGLAW REDEFINED



At GT, innovation is more than just talk. It’s in our DNA. GT utilizes a systemic, holistic approach to innovation, helping you cut through the noise. In our experience, the most productive models come from an open, transparent, and collaborative relationship with our clients. Everything we do is rooted in our desire to provide clients with quality legal representation.

G R E E N B E R G T R A U R I G , P. A . | A T T O R N E Y S A T LA W | 2 5 0 0 A T T O R N E Y S | 4 3 LO C A T I O N S W O R L D W I D E °

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This course will focus on the here and now requirements as well as the current regulatory environment. We will have case studies and lessons learned from those found to be less than compliant by regulators. We cover the current and ever-evolving policy making decisions and regulator expectations, both state and federal, directly impacting those offering cryptocurrency financial products and services. We'll share lessons learned and valuable insights from the perspective of regulators, examiners, and other industry stakeholders, while providing attendees with actionable takeaways and realistic expectations for the months and years ahead.

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PRISCILLA D'OLIVEIRA FRIEDMAN

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AMY GREENWOOD-FIELD

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MARINA OLMAN-PAL

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