Technology in any form is one of the main forces to drive change. And in current uncertain times, this is especially true. The global pandemic has spurred the development of many areas of business, including the financial services sector and its attendant technologies, fintech.  

Literally, “fintech” is a compound of the words “finance” and “technology”. Fintech is applied to financial services. Modern financial technologies introduce algorithms that are essentially altering traditional financial services, including mobile payments, money transfers, credit, fundraising, and asset management. They are designed to make banking services productive, time-efficient, and secure; in particular, to optimize interactions with customers, employees, and business partners.  

“Future is purchased by the present,” as a well-known English critic Samuel Johnson aptly put it. Thus, to be prepared for the future and be well-versed in the relevant fintech trends of the upcoming year of 2022, arm yourself with the material below, it will try to outline and characterize them.  

Internet Banking 

Once a gimmick and now quite commonplace, Internet banks are relentlessly claiming the right to have “their place in the sun.” Financial institutions of this type carry out their activities exclusively on the Internet, i.e., remotely. They have no physical branches and, so, there are no long queues of clients and paperwork, which everyone hates so much. To get one or another financial service, their customers only need a computer or smartphone, most often with the appropriate application. Internet banking puts the control in the hands of the consumer.  

Speaking about mobile applications from banks, this sphere is not new either and most of the famous and reputable banks all over the world already successfully use it. �ԹϹ��� offers assistance in opening a remote corporate banking account in the United States. Learn more here.  

Artificial Intelligence (AI) and Machine Learning (ML) 

Already, Artificial Intelligence and Machine Learning are actively used by financial institutions to track the behavior of customers, partners, competitors, and the financial market as a whole. They are also successfully employed for the automation of manual processes, customer support (chatbots), reducing human error, and the pervasive digitalization of operational processes.   

These technologies will only strengthen their position in 2022; moreover, according to a report from , for financial institutions, the widespread adoption of AI in the next decade will reduce operating costs by 22%. As a whole, experts predict that leveraging AI and ML by the banks will help them to expand banking offers, make their operations more efficient and cost-effective, and offer greater value to their wider customer base. 

Blockchain  

Blockchain technology is a data system owned by everyone and no one at the same time. Blockchain consists of “blocks” that are continuously added to the chain. Once information is added (a block is attached), no changes can be made to it without the knowledge of the other participants.  

This technology is currently experiencing rapid development and application for various tasks. One such blockchain utilization way is its use for building up smart contracts. These contracts are agreements that are signed using cryptographic codes as a digital signature. They are secure from unlawful access and fraudsters. 

Tokenization of real-world assets is another trend that uses blockchain technology. The benefits it brings are overall decentralization, no controls over assets from authorities, the increased level of confidentiality, transparency, and protection against fraud. Real-world asset blockchain tokenization is the “transfer” of assets from the real world into a digital format, preserving all of their significant indicators (value, class, and profitability). The combination of blockchain and tokenization technologies — the tokenization of assets on the blockchain will continue its “triumphal march” in the coming 2022 and is predicted to be increasingly used in the financial services sector.  

�ԹϹ���Crypto — a service from us that combines major fintech trends of a future year: blockchain, tokenization, and smart contracts. It provides comprehensive assistance in token projects. It is done through the creation and issuance of smart tokens (digital units) on a blockchain (Ethereum, Cardano, and others) by dint of an STO (security token offering) launch. You can find detailed info on the service functionality and pricing on our website. Also, you’re welcome to read about tokenization and �ԹϹ���Crypto, their peculiarities, and benefits in a blog. 

Metaverse & Cryptocurrencies 

The term “metaverse” previously found in science fiction books has great chances to become a reality in the fairly near future. A wave of excitement around this concept rose after Mark Zuckerberg, the founder and CEO of Facebook, announced that the global network Facebook would be moving towards dramatic changes. Namely, it is changing its name to “Meta” and promotes in every way the appearance of digital space —metaverse where you can work, collaborate, learn, play, shop, and communicate, using virtual reality glasses, headsets, etc. This virtual space is planned to be created using new technologies (augmented reality, artificial intelligence, machine learning, blockchain, cryptocurrency, and more).  

A meta-world is designed to gradually merge the physical and virtual worlds, it will allow to earn or build items in one world and share them in the other. In this generated virtual+real universe, there is no getting around without financing, and it will be possible to get it through digital currencies — cryptocurrencies. The latter are also successfully developing and will only strengthen their position with the emergence of the metaverse. They will be used to make the aforementioned purchases of anything and to pay employees working in the vastness of the meta-universe. 

Everything-as-a-Service (XaaS) 

The global pandemic, its attendant pervasive lockdowns, and the need for successful remote working models have greatly accelerated the development and application of Everything-as-a-Service (XaaS) technology by businesses around the world. This is a composite concept that includes such technologies as Software-as-a-Service (SaaS), Platform-as-a-Service (PaaS), Infrastructure-as-a-Service (IaaS), and Storage-as-a-Service (STaaS). XaaS offerings can help IT businesses increase their productivity and obtain new growth opportunities. In 2022, this trend will reach fintech sphere too. It is expected to be on the rise and get even more development and widespread utilization.  

Bonus  

In July of this year, the European Central Bank approved a multi-year project to create a digital version of the Euro, the D-Euro. The technology behind the D-Euro is conservative and is similar to a digital bank account. The D-euro is likely to be akin to a digital wallet in which Eurozone citizens will be able to store funds with the ECB. It is assumed that the amount available for storage and use through the D-euro will not exceed 3,000 Euros. With the launch of the digital Euro project, the Central Bank intends to compete for customers with the private sector and influence the boom in digital currencies. The digital Euro is not expected to be launched before 2026.  

Conclusion  

To be on the crest of success, it is necessary to wisely follow new trends in business, not the least of which is financial technology. Fintech trends are an area that is constantly “in motion”; it is changing and improving without a break. The financial technology tendencies discussed above show that in 2022, the financial services sector will become more open, secure, and accessible to users.   

One of the trends that will “blossom” next year is the tokenization of assets on a blockchain. If you are interested in this topic, the �ԹϹ���Crypto service is ready to help you create your token campaign. Contact our team, we will answer your questions!  

DISCLAIMER: Any legal, tax, or investment advice in this communication (including any attachments) is for information purposes only and is not intended to be used, and cannot be used against �ԹϹ��� or its Sender. The sender is neither an Accountant nor a Lawyer and cannot be made liable. Please, contact your tax accountant for individual consultation. �ԹϹ��� does not provide any legal/ investment/ tax advice itself. �ԹϹ��� works together with a network of lawyers and tax advisors that provide all necessary individual legal advice. 

Investing in real estate has always enjoyed great popularity and is often recognized as one of the best ways to increase capital.  

Tokenization using blockchain technology will soon bring real estate investments to a completely different level, and take it to the digital era. It will create efficient mechanisms to increase the liquidity of real estate, simplify the procedure of buying, maintaining, and selling the property. What is also important, is that the buying group changes dramatically: tokens can be offered to a much larger international investor group. Also, assets can be divided into smaller assets parts and therefore investors with a smaller budget also have the chance to partake in large projects that were previously inaccessible because of high capital requirements. 

Tokenization of Properties: Peculiarities 

Real estate tokenization is the “transfer” of real estate assets from the real world into a digital format, preserving all of their significant indicators (value, class, and profitability). It is done through the creation and issuance of smart tokens (digital units) on a blockchain (Ethereum, Cardano, and others) by dint of an STO (security token offering) launch. In turn, these originated tokens may be of different nature and purpose. Thus, they can be equal to: 

• Equity in real estate; 
• A share in a company that holds the property; 
• A claim secured by real estate; 
• The right to a part of the profit generated from the real estate ownership, and others. 

Any type of real estate can be tokenized, both residential and industrial. As of now, there are several property tokenization mechanisms, among them are: 

• Ownership of real estate through an equity interest in a specially created (vehicle) company; 
• Equity in a real estate fund; 
• Equity participation in a real estate property; 
• Investing and lending for real estate development; 
• Creation of tokenized real estate investment funds. 

The technology itself is extremely promising and experts worldwide confidently call it the tech trend of the future, which will redraw the whole global investment market. It will relieve investors from hateful paperwork and expand the pool of possible investors as such. 

Advantages of Real Estate Tokenization 

Tokenization of any kind of asset is a promising and offering great opportunities tool. If we talk about tokenized real estate advantages, we can specifically highlight the following points: 

• Overall flexibility   

One of the notorious advantages of tokens is their flexibility. When a property is tokenized, it can be digitized for later fractional sale or exchange. This also allows investors with little capital to enter the market. That is even an entrepreneur with little funds can invest in a tokenized property and become its partial owner obtaining dividends from the potential earnings. 

• No geographical boundaries or restrictions 

Tokenization of property tools literally erase geographical boundaries in the investment world, thereby expanding the pool of investors and potential targets for funding capital. All activities take place in the digital format, thereby providing the opportunity to invest in tokenized real estate on a global scale at any time convenient for the entrepreneur. 

• Cost optimization 

When tokenizing a property, it is possible to significantly reduce the typical organizational costs of conventional real estate investing, such as notary fees and bank fees (paying for your property in cryptocurrency helps you bypass them). Plus, the procedure is completely automated and eliminates redundant red tape formalities. 

• Possibility of high diversification of the investment portfolio 

Nowadays, to participate in a luxury real estate investment project, for instance, an investor needs to have quite large funds at their hands and pay out a big amount at once. However, thanks to tokenization, it will no longer be necessary to buy the entire property and give a large amount at once, because it will be divided into tokens. This or that property can be split into hundreds or thousands of tokens with a designated value. That is, you can purchase only a small part of this or that house, office, warehouse, etc. It, in turn, means that you can do it with several properties, thereby adding variety to your investment portfolio. 

• Exclusion of intermediaries 

Thanks to smart contracts prepared in the process of tokenization of assets it is possible to excrete the intermediaries such as notaries, brokers, etc. 

Smart contracts are computer code that exists in a blockchain that ensures the automatic execution of agreements between users without interference. Because smart contracts operate in a blockchain environment, these algorithms cannot be changed once launched. 

Final Thoughts 

Tokenization is a fairly complex process from a legal and technical standpoint. Companies/entrepreneurs interested in launching tokens upheld by real estate face a wide range of challenges in preparation, designing, originating, and promoting real estate tokens. This is why those who have the intention of starting their token project should trust professionals who have the necessary skills, knowledge, and resources to do so. �ԹϹ���Crypto is the new brainchild of our company which was created for this very purpose — to provide professional qualified assistance in launching your token campaign. Visit our website to find out more. If you have any questions, please, be free to contact us immediately. 

DISCLOSURE NOTICE: Any legal or tax advice in this communication (including any attachments) is for information purposes only and is not intended to be used, and cannot be used against �ԹϹ��� or its Sender. The sender is neither an Accountant nor a Lawyer and cannot be made liable. Please, contact your tax accountant for individual consultation. �ԹϹ��� does not provide any legal advice itself. �ԹϹ��� works together with a network of lawyers and tax advisors that provide all necessary individual legal advice. 

E-commerce, once a pioneer and now a full-fledged and fairly strong sphere in the global business market, is constantly changing and evolving. New rules and requirements are regularly being invented and enforced in order to meet the needs of customers and safeguard entrepreneurs. 

If you want to try yourself in e-commerce on Amazon, you have to be familiar with the latest developments on the portal. In late 2020, a significant requirement concerning businesses’ addresses came into force. 

“Beginning on September 1st, 2020, we will display a seller’s business name and address on their Amazon.com Seller Profile page. For individuals, we will display the individual name and address. This is consistent with Seller Profile pages across Amazon stores in Europe, Japan, and Mexico […] We are making this change to ensure there is a consistent baseline of seller information to help customers make informed shopping decisions.” 

 to sellers states.

This requirement had on purpose to make a trade on such a mega-giant online platform more transparent and legally savvy and demand sellers to list their business address as the publicly available information. 

“To Use or Not to Use Home Address?”  

When dealing with online retailing, some sellers choose to use their home addresses as business addresses. This option comes together with many risks and inconveniences, the most important of which is that it blurs the line between business and personal life, property. When the home address becomes public, any of the buyers can come to your house and demand goods or express their dissatisfaction with the product personally, for instance.  

Another and yet more serious issue with this variant is the liability. Without the “business protection”, together with mentioning your home address as your business address, you could be made liable for possible problems (malfunctions) with the goods you sell or the online shop itself.  

Protect your personal safety and liability, and DON’T use your home address for your Amazon Store, there is a better option — a virtual business address. 

“Selling to a different country” 

Amazon has positioned itself as one of the most convenient platforms for sales, including international trade. Using the mega giant’s extensive network of online marketplaces, it is possible to engage in e-commerce in different, extremely remote countries of the world. The only nuance slightly overshadowing this tempting prospect can be the provision of an address to receive returns. Here,  provides three options for international sales customer returns to choose from: 

• Returnless Refund; 
• Domestic return option; 
• Prepaid international return shipping. 

Of course, every seller chooses the method that best suits them, but then again, if a job can be done quickly and with minimal effort on the part of the business owner, then why not take advantage of this opportunity? Yes, using a virtual business address as a return address has obvious advantages! 

If you don’t have a local address in the country where you want to sell your products, it makes sense to apply to the virtual address services provider that will make sure that all returns (and more) are handled quickly and efficiently. 

Why Virtual Business Address Is Great Fit for Amazon Trading  

First and foremost, a virtual business address is a real street address, most often inside a traditional office building. This type of address is very often used by those who want to have a good business image and value their privacy — solopreneurs, small business owners, as well as digital nomads, and freelancers.  

Virtual business addresses are ideal for online trading sites such as Amazon, Etsy, eBay, and others, regardless of the type of e-commerce business. Why? Here are the top reasons:  

• Getting a prestigious professional address  

“First impressions last forever…” this well-known saying fits perfectly in our case as well. Since it’s necessary to show your business address on Amazon, wouldn’t it be better if it’s a prestigious location that evokes trust from customers and professional respect from competitors? In the case of Virtual Office Addresses from �ԹϹ���, more than 100 locations worldly are open to taking advantage of them for your business.  

• Receiving and forwarding of mail and packages   

We’ve already mentioned that mixing business and personal life isn’t the best idea, and that goes for your mail and packages, too. After all, if you use your home address for your Amazon store, all sorts of letters, packages, and returns will come to your home. This will make your life much more difficult as you’ll need to think about how to handle them yourself. Using a virtual business address ensures that all your correspondence will be handled in a timely and appropriate manner. All logistical problems and sorting letters and parcels will be done for you as well as deleting spam if you wish so.  

• Expanding to new locations  

For companies with international operations, a virtual office service gives them the ability to expand to new locations quickly, easily, and cost-friendly without renting an expensive physical office. Many doors open before the solopreneurs and small businesses, because a virtual office can be opened in several countries at once being sure that it will function like clockwork — mail and parcels will be processed on time, and a prestigious address can be used for marketing success.  

Conclusion  

Using a virtual business address for your Amazon store is a great solution for those who are truly ready to grow their business strong and competitive. It allows you to have a good professional image, satisfied customers, and a business that works smoothly and productively. Only entrepreneurs who think big and take a long view achieve success, take care of your business and use the services of a virtual address so it can flourish. 

DISCLOSURE NOTICE: Any legal or tax advice in this communication (including any attachments) is for information purposes only and is not intended to be used, and cannot be used against �ԹϹ��� or its Sender. The sender is neither an Accountant nor a Lawyer and cannot be made liable. Please, contact your tax accountant for individual consultation. �ԹϹ��� does not provide any legal advice itself. �ԹϹ��� works together with a network of lawyers and tax advisors that provide all necessary individual legal advice.

Life in the era of pervasive digitalization presents us with more and more promising areas of business that, until recently, seemed either fantastic or difficult to bring to life. One such field is the tokenization of assets on a blockchain. It is rapidly evolving and gaining loyal followers who use the technology actively. In order not to be loud and back up what was said above, it is worth mentioning that reputable organizations such as WEF and McKinsey predict that the value of tokenized assets will be equal to nearly $24 trillion as early as 2027. 

Those entrepreneurs who think creatively have already realized the tremendous promise of the tokenization of assets on a blockchain and are eager to “jump on board”. 

�ԹϹ��� always keeps up with the times and offers only relevant and highly effective solutions for businesses. We are happy to announce that our company launches a new service — �ԹϹ���Crypto. This new service aims to assist entrepreneurs and investors wishing not to miss a great opportunity to join the forward-looking market of tokenized assets. 

What is �ԹϹ���Crypto? 

�ԹϹ���Crypto is the new member of the constantly growing �ԹϹ��� service portfolio. It offers practical solutions for the successful tokenizing of real-world assets like real estate, fine art, precious metals, classic cars, and many others. 

The team of well-versed specialists will be glad to provide you with the following services: 

• Support in developing an ICO or STO strategy suitable for your particular case.
• Assistance in forming the appropriate legal entity for the ICO or STO.
• Support in competent drafting of necessary smart contracts on different blockchains (ETH, Cardano, etc.).
• Provision of a fully functional, quality White Label Token Platform with customized software. The Software offers KYC and AML compliance onboarding process for all investors as well as a system to buy token with FIAT or crypto money. 
• Secure token trading through a white-label platform in crypto-friendly countries.

Tokenization of Assets with �ԹϹ��� 

When applying to �ԹϹ���Crypto services, you can count on the well-thought-out process of tokenization of your assets. The whole procedure looks like this: 

• Project Planning 

Together with a client we thoroughly review their potential token issuance plan, its perspectives, and possible drawbacks. 

• Incorporation of the company for the token release 

The �ԹϹ��� team assists in forming a legal entity to launch an ICO or STO. We offer support in Liechtenstein and Switzerland.

• Token development 

Specialists with extensive experience take on the programming of a token on a blockchain of your choice. (Ethereum, Cardano, Polkadot, and many others). 

• Token listing 

We offer a custom white-label software platform to scrutinize investors (KYC/AML) and sell tokens with FIAT/cryptocurrency. The KYC procedure (translated as “know your customer”) is designed to classify and verify the identity of each potential investor. The verification is done before they can conduct any financial transactions. This protects companies/entrepreneurs from the risk of working with fraudsters and ensures the safety of clients’ assets. AML policy means anti-money laundering. It includes a broader set of measures than KYC, such as transaction monitoring, risk assessment, and bank card verification, etc. We use both identity procedures because we value the safety of our customers. 

With �ԹϹ���, after the accomplishment of the comprehensive work, your token can be listed for a private sale in your white label platform in as little as 2-3 months. If you want to make your token public, we’ll help you list it at different known crypto exchanges.  

Other cool perks from us:  

• Qualified specialists that have experience in the Crypto Projects; 
• Professional technical team that would do programming on the blockchains as Ethereum, Cardano, Polkadot, etc.; 
• Individual approach to each customer. 

Pricing 

�ԹϹ��� is always honest with its clients and tries to present information about its services and fees in the most transparent way. However, the tokenization of assets is always a very individual project that depends on many variables. Therefore, it is hard to name the exact cost beforehand. To give you an idea, we build an example of a token project with company incorporation in Liechtenstein as a reference case: 

• Forming an AG company in Liechtenstein will cost 6,500-10,000 EUR (a one-time fee) plus share capital of an AG: 50,000 CHF; 
• Registration according to TVTG will cost 25,000-35,000 EUR (a one-time fee) plus 5,000 CHF registration fee; 
• Preparation of the securities brochure will cost the client between 35,000 and 45,000 EUR (a one-time charge) plus the approval fee of 5,000 CHF; 
• Development and customization of the White Label Token Platform will cost 25,000-35,000 EUR (a one-time payment, depending on the required functionality);
• The cost of a license varies from 1,200-2,500 EUR/month (depending on the token project). 

Bottom Line 

It is the �ԹϹ��� philosophy to add more and more services to our platform and bring a real experience to internationalization as a service. By creating the new service �ԹϹ���Crypto, we now have a very state-of-the-art service that provides an effective algorithm of actions and protocols for the most successful tokenization of assets on the blockchain. 

DISCLOSURE NOTICE: Any legal or tax advice in this communication (including any attachments) is for information purposes only and is not intended to be used, and cannot be used against �ԹϹ��� or its Sender. The sender is neither an Accountant nor a Lawyer and cannot be made liable. Please, contact your tax accountant for individual consultation. �ԹϹ��� does not provide any legal advice itself. �ԹϹ��� works together with a network of lawyers and tax advisors that provide all necessary individual legal advice.

Back in the day, in the digital world, tokenization was first used as a means of replacing sensitive data (credit card data) with a digital equivalent — token. It was accomplished by TrustCommerce in 2001 as a means of protecting the credit card information. This made payments and transactions more secure and protected them from data leakage and/or hacker attacks. Thus, tokenization has been successfully used for 2 decades already but who knows that? 

The trouble is that the general public isn’t familiar with tokenization well enough and doesn’t have a clear idea of what it is, what this process is for, and so on.  

BUT: Tokenization has grandiose prospects to offer. Therefore, let us get acquainted with it. At its core, tokenization is the replacement of a real asset (credit card data, real estate, commodities, fine art, classic cars, precious metals, and many others) with its digital equivalent — token through various methods.   

To make it easy to understand how the concept works, let’s look at casino chips that everyone is familiar with. The chips themselves have no real value unless they are exchanged for money, that is, they represent the asset behind them. This is also the case with tokens, they provide a safe way to possess assets.  

The year 2001 is long gone, and tokenization has not stood still all this time but is constantly evolving. Today, together with blockchain technology, tokenization opens up staggering possibilities.  

Tokenization and Blockchain  

Blockchain technology is a data system owned by everyone and no one at the same time. It contains an online list of transactions. This list is continuously copied to the databases of countless computers within the so-called classified registry system. This approach makes cheating and data theft/substitution impossible. Blockchain consists of “blocks” that are continuously added to the chain. These blocks can be thought of as permanent pages of the file. Once information is added (a block is attached), no changes can be made to it without the knowledge of the other participants.  

While tokenization is an incredibly valuable tool for defending payment card info, when coupled with blockchain, it converts to an even more powerful one and acquires new features. After Ethereum, Cardano, and similar were invented, it became possible to model entirely new tokens based on them. And blockchain technology, in turn, provides a record of token issuance and continuously monitors its “movements”. 

The tokenization market is booming at the moment while having a significant impact on the global economy as a whole. The global tokenization market is expected to grow from $1.9 billion invested in 2020 to $4.8 billion by 2025, at an average annual growth rate of 19.5% over the forecast period (). There is a logical explanation for this. The fact is that the tokenization market is constantly pushed forward by the universal need to improve the quality of customer service, the provision of simple and straightforward compliance algorithms, and the widely recognized benefits of Blockchain technology (reducing the risk of fraud/theft of data to zero). 

What Spheres Tokenization Is Applicable In  

Tokenization has enormous potential. Here are just a few examples of the spheres in which it can be successfully applied:  

• Real estate investments  

The real estate market is immense and expensive; beginning investors find it difficult to get involved in serious projects because of the capital required. Asset tokenization will allow anyone who wants to acquire a certain piece (token) in a particular project to do so.  

• Asset management  

Asset tokenization allows them to be split into smaller pieces, giving interested investors the opportunity to purchase even a part of a single share if it is tokenized.  

• Contracts  

Tokenization of the contracts allows information to be tracked and stored online and shared without the risk of data leak/theft/substitution. Also, it eliminates the necessity for third-party assistance.  

Benefits of Tokenization  

• Safety  

Due to the nature of blockchain technology, when a token is created, a registry entry is designed in the form of a unique code. Thus, one is unable to hack or steal it.  

• Productivity  

Asset tokenization allows you to enter into transactions without all the hated red tape since all the necessary information is stored in a smart contract. This, in turn, affects the speed of transactions.  

• Flexibility  

Another advantage of tokens is their flexibility. For example, when a picture is tokenized, it can be digitized for later fractional sale or exchange. This also allows investors with little capital to enter the market.  

• Convenience  

In the past, the vast majority of transactions required the physical presence of the parties to the agreement to complete the transaction, but with smart contracts, you can sell and buy assets anywhere and anytime.  

Final Thoughts  

Developing relentlessly, tokenization has come a long way since its first implementation in 2001. Today, combined with blockchain technology, it is ready to open up a new era in the evolution of the digital world’s potentialities for investment.  

One thing is certain: tokenization is just beginning to gain momentum and explore the potential application ways.  

�ԹϹ��� is a digital platform providing relevant services for businesses. We always try to provide the most necessary and on-demand services to make your company prosper. One of our new services to come is �ԹϹ���Crypto. By dint of this service, a customer will be able to take advantage of the multiple options of tokenization assistance.   

�ԹϹ��� will share its experience in ways to tokenize assets and is ready to help with registering a business entity in crypto-friendly jurisdictions to issue tokens. More detailed information about the �ԹϹ���Crypro Service is given on our website. If you are an early bird and interested already, please, feel free to contact us and our Crypto-Experts will get back to you in a blink of an eye. 

DISCLOSURE NOTICE: Any legal or tax advice in this communication (including any attachments) is for information purposes only and is not intended to be used, and cannot be used against �ԹϹ��� or its Sender. The sender is neither an Accountant nor a Lawyer and cannot be made liable. Please, contact your tax accountant for individual consultation. �ԹϹ��� does not provide any legal advice itself. �ԹϹ��� works together with a network of lawyers and tax advisors that provide all necessary individual legal advice.

There is no doubt that the years 2020 & 2021 will be etched in the memory of modern people for a long time. The entire business world was literally paralyzed by the pandemic and it was a frightening and eye-opening experience for business owners. The only thing that allowed a few companies to keep moving forward was the creative use of available modern technologies. 

The consequences of the coronavirus outbreak and its rapid spread around the world will be felt by entrepreneurs for a long time to come. The fight against Covid-19 is not over and it is too early to make an exhaustive analysis of its impact on modern business trends, but it is already clear what direction these trends will take shortly. 

The top global tech trends of the nearest future can be divided into 2 subgroups:  

• Leveling the importance of the location of business partners;  
• Developing clear mechanisms to withstand negative changes and market volatility.  

As the famous saying goes, “informed is armed. Read the material below to “arm yourself” with the essential knowledge about the most relevant global technology trends. 

Location of Businesses Won’t Be an Issue Soon 

The subgroup under discussion includes the following tech trends:  

• Distributed Cloud 

The dispersed cloud will be the next level of development for public clouds. In essence, it is the location of public cloud services outside the provider’s physical data centers, while still being controlled by the provider. The shift from a centralized public cloud to a shared public cloud ushers in a new era of cloud computing. This technology eliminates the importance of data centers’ location, solves technical and regulatory issues. 

• The availability of businesses both online and physically  

This trend will play a critical role in which companies will be able to overcome the post-Covid crisis and continue to operate successfully. Essentially, this pattern allows businesses to function online and offline. With the total digitalization progressing rapidly, the line between those operations that can be done remotely and face-to-face will be erased for good. Businesses should adapt their products so that they can be reached both online and in-person to keep the lights on in the nearest future. �ԹϹ��� is ”catching the wave” and supports remote company formation in more than 20 locations worldly. Stay in tech trend — be �ԹϹ���. 

• Cybersecurity net  

The cybersecurity net is a decentralized concept aimed at protecting the identity of a remote corporate network user. It is one of the top technology trends that is currently evolving rapidly. This approach ensures that only authorized users (or systems) have access to the corporate system, whether they are local or cloud-based. The cybersecurity net should help IT managers with the resource protection from each access point while keeping an intruder out of the system. 

Building Resilience to Negative Changes — the Key to Business Prosperity  

• Intelligent Composite Business  

Intelligent Compound Business implies that applications and packaged business capabilities must be treated as separate building blocks of functionality, accessible through APIs. They can be developed in-house or provided by vendors, and the new framework will combine the business capabilities of individual packages and databases. This approach will allow companies to reconfigure their business quickly.  

In summary, the Intelligent Combined Business is a business that can modify and essentially rebuild itself depending on the current situation.  

• AI engineering  

Artificial intelligence projects often meet support, scalability, and management challenges that make them complex and difficult to execute for most average companies.  

Artificial Intelligence Engineering, in its turn, offers the way in which AI is already part of the development process rather than a set of unrelated projects. It integrates different disciplines, thereby providing a more apparent way to profitability combining multiple AI techniques use.   

• Hyper automation  

The idea of Hyperautomation is the total automation of all possible processes within the company. It should be carried out by organizations with outdated business processes which create costly problems.  

Numerous businesses are maintained by a “bunch” of either not optimized or connected technologies. At the same time, the dispatch of the business requires efficiency and customization. Companies that don’t focus on digital effectiveness and business coordination will be left behind in subsequent years.  

Conclusion 

Modern businesses have always needed to keep up with the times and current tech trends to remain profitable. The pandemic has shown that technology, as never before, is playing a decisive role in who can stay in business. That’s why, as the global economy slowly recovers from the devastating effects of Covid-19, business owners need to keep a close eye on technology trends and make the necessary changes in their companies to be successful. �ԹϹ��� is there for you for this purpose. We offer virtual offices (Digital Mailboxes) as well as assistance in remote company formations worldwide. Check out our website to find out more about our products.

DISCLOSURE NOTICE: Any legal or tax advice in this communication (including any attachments) is for information purposes only and is not intended to be used, and cannot be used against �ԹϹ��� or its Sender. The sender is neither an Accountant nor a Lawyer and cannot be made liable. Please, contact your tax accountant for individual consultation. �ԹϹ��� does not provide any legal advice itself. �ԹϹ��� works together with a network of lawyers and tax advisors that provide all necessary individual legal advice.

Introduction 

Since its inception, an ICO (initial coin offering) has provoked different opinions from investors. While some eagerly jumped at the new opportunity, others were skeptical of the concept. Mainly, investors were confused by the lack of regulation of the ICO process and legal security when participating in initial coin offerings.  

However, things are changing. With the development of the crypto business, there is a more reliable solution for founders and investors to make token-based investments legally secure and that is an STO (security token offering). This article will try to understand the main differences between these two strategies and what benefits investors can get from participating in the ICO and STO. 

From ICO to STO 

Over the years, the ICO instrument has proven to be an effective way to raise capital, although it has some drawbacks regarding the legal security of investors. To correct them, a newer and safer tool (STO) is designed. In contrast to the ICO, this procedure is regulated and has the necessary transparency. 

It is an evolutionary step on the way to crypto business development thanks to the participation of the central authority. STOs are controlled by the U.S. Securities and Exchange Commission (SEC) and alike bodies in other countries, requiring registration. With STOs, “tokens” lead to legal liability for the business issuing them and link to the company’s financial performance and structure. 

STO vs. ICO: Differences 

The STO is the sale of a company’s shares to investors under the guise of a tokenized asset. By buying a token at the first stage of an STO, the investor actually becomes the owner of a share in the startup. An analogy can be drawn here with regular shares traded on the stock market.

The STO does not always use blockchain, because the tokens distributed by this method are, in fact, ordinary shares. Finally, there is the main advantage of STO — because tokens are considered to be shares, crowdfunding is carried out under the strict control of regulators such as the Securities and Exchange Commission in the USA. 

ICOs are not always the focus of regulatory scrutiny. They are designed for ordinary investors who fit a number of standardized criteria. For example, participation in a crowdfunding company is usually possible for people from a limited number of countries who have confirmed their identity through the KYC procedure. That is, for those who have shown their documents. 

In the long run, STO has a much better chance of remaining a popular way to raise money, as it is more to the liking of financial regulators. The SEC has begun to closely monitor the crypto market, with the Commission de facto treating all tokenized assets as securities. Even companies that used to succeed with ICOs now face financial sanctions from the regulator. 

ICO and STO Present Diverse Types of Tokens 

The ICO involves the issuance of tokens, let’s call them “classic” (payment and utility mainly) tokens. Regulators SEC (USA) and FINMA (Switzerland) proposed a classification of issued tokens: 

• Payment Tokens — platform payment tokens, a currency within a startup that allows it to receive some kind of product offered by the developers. 
• Utility Tokens — tokens offering benefits. They are needed to get additional options of the platform, they are auxiliary. 
• Security Tokens — tokens of security or tokenized securities.      

The first two types of tokens are not regulated, the third type (STO) is. Security Tokens are digital assets subject to federal securities laws, something in between “classic” tokens and financial products. They certify ownership and entitle the owner to realize investment goals: a percentage of profits, dividends. The rights are recorded in smart contracts, and the tokens themselves have the right to be traded on exchanges. 

Benefits of Tokenization 

Tokenization refers to the process of transferring ownership of assets into blockchain-based tokens. This allows the use of bitcoin and many other technologies while preserving all the characteristics of physical assets. 

There are a huge number of assets in the world, among which the most common are: 

• real estate; 
• oil and cars; 
• precious metals and diamonds; 
• stocks. 

Since most of them are difficult to translate physically, parties in transactions prefer to exchange documents granting ownership of these assets. The problem is the complexity of this process, both technologically and in terms of control. One solution to the problem is to switch to a token-type system, but with a link to an asset. 

The Best Countries to Launch an STO 

Australia

Australia is one of the first countries to officially create rules for initial coin offerings, and soon many start-up fintech companies will be able to operate without the need for a license. The only disadvantage of this jurisdiction for ICOs can be rather high tax rates. 

Registering an STO company in Australia and obtaining an Australian cryptologic license can be a good option for starting an international business.  

The British Virgin Islands (The BVI)  

The British Virgin Islands (BVI) is by right considered a leading offshore tax haven for international business. The country pays special attention to the development of the financial and technological sectors. Entrepreneurs from all over the world are attracted by the country’s flexible tax policies. One of the largest cryptocurrency exchanges, Bitfinex, and its subsidiary, Tether, are located in the BVI. 

Canada 

In February 2018, the Canadian Securities Exchange (CSE) made an announcement that it planned to launch a new security token platform based on the Ethereum blockchain. This move marked the beginning of a new period in the existence and regulation of STOs in Canada. It should be noted that the epicenter of all events related to blockchain and cryptocurrencies in the country is Toronto. Vancouver is not behind the latter and is an attractive place for blockchain companies. 

Cyprus  

Cyprus is one of the most cryptocurrency-friendly jurisdictions in the world. The popularity of digital money on the island is such that the University of Nicosia became the first university in the world to accept tuition fees in Bitcoin.  

Cyprus has one of the lowest corporate taxes in Europe and the world at 12.5%. While maintaining low tax rates, the country is also a member of the EU and is on the EUCD “white list,” which makes it highly reputable in terms of transparency and stability. 

Dubai 

Ever since the Dubai Multi Commodities Center – DMCC began promoting the cryptocurrency market, Dubai is a great place to do crypto business. DMCC is a member of the Global Blockchain Council. At the moment, cryptos and ICOs are not fully regulated in Dubai. But the state authorities of the jurisdiction consider the issue of virtual currencies as one of the most promising and relevant. 

Estonia  

In this state, cryptocurrency refers to alternative means of payment. Estonia is one of the few states in Europe with a friendly attitude to ICO/STO activities. Here, the international business of primary issuance of coins receives favorable conditions with flexible taxation. Crypto activity licenses are issued by the state body EFSA (National Regulator of the Republic of Estonia). The country’s authorities have adjusted benefits and incentives for the ICO projects. 

Malta  

Malta is a premium hub for financial technology. This has been facilitated by the passage of legislation regulating cryptocurrencies, ICOs/STOs, and related activities. The jurisdiction has even been nicknamed Blockchain Island. Malta’s regulatory framework has the right balance between protecting consumer rights and promoting technological innovation.  

Malta is home to the main and subsidiary offices of significant cryptocurrency exchanges as Binance, for example.  

Singapore  

Singapore is one of the financial centers of the world. STO activities are profitable and promising here. Cryptocurrencies are legally exempt from the standard 7% tax under the country’s Goods and Services Tax (GST) system but are subject to income tax.   

In addition to established regulators and favorable taxation, Singapore is notable for the high prestige of local crypto companies. The jurisdiction was one of the first to create the most comfortable environment for STO-related activities. 

Switzerland  

ICO companies in Switzerland are subject to a number of laws that regulate crypto-activities. Some of the cantons have more favorable conditions for this business.  For example, the canton of Zug is even called a Crypto Valley. Among the advantages of the jurisdiction to start an ICO/STO: low taxation, the stability of the banking system, and excellent business reputation among other countries. 

The USA 

One of the safest places for investors to participate in STOs is the US jurisdiction. This is possible because of the SEC, one of the toughest regulators in the world. In addition, the USA has an extensive legal framework for securities (including security tokens) and a large body of case law (Delaware). 

�ԹϹ��� is always on the side of progress and digitalization, so, we offer assistance with the remote incorporation in the following Crypto friendly jurisdictions:  

Australia / The British Virgin Islands / Cyprus / Estonia / Georgia  / Germany / Hong Kong / Malta / Singapore / Switzerland / the USA  

Summary  

Across the globe, there has been a surge in the number of businesses wanting to conduct STOs. Many states are in the process of adapting their legislation to the demand for transactions in virtual currencies. Financial regulators in various countries are still evaluating whether and how to regulate the cryptocurrency industry. Because of this, it is difficult for entrepreneurs to determine where it is profitable to launch an ICO or STO project, but our experts are here to help!  

�ԹϹ��� can provide support for the company incorporation in some of the most crypto-loyal countries for those who want to try their hand in STO. 

In addition, �ԹϹ��� offers a state-of-the-art White Label Solution to start your Crypto Project.

Disclaimer: Please be informed that �ԹϹ��� does not advise or recommend investing in cryptocurrencies or similar digital assets. The Crypto market is very volatile and it might lead to a full loss of the investments taken. Any legal or tax advice in this communication (including any attachments) is for information purposes only and is not intended to be used, and cannot be used against �ԹϹ��� or its Sender. The sender is neither an Accountant nor a Lawyer and cannot be made liable. Please, contact your tax accountant for individual consultation. �ԹϹ��� does not provide any legal advice itself. �ԹϹ��� works together with a network of lawyers and tax advisors that provide all necessary individual legal advice.

One of the key straws that kept the global economy afloat in 2020 was the overall digitalization and technological support for business, and no matter how much turmoil the world experienced last year due to the pandemic, the next five years (2021-2025) offer hope that the global economy will recover sooner through modern technology. So, what technologies will be trending globally between 2021 and 2025? 

Blockchain and Cryptocurrencies 

As many know, Blockchain is a distributed system for storing records that can be accessed by anyone on the network. The records entering the system form so-called blocks, which, in turn, are linked together into a single chain. Hence the name — Blockchain. 

Now, more and more companies are starting to work with Blockchain, a technology that can reshape human economic activity as it is a better, safer way to record the activity and keep data fresh while maintaining a record of its history. The data can’t be corrupted by anyone or accidentally deleted, and you benefit from both a historical trail of data, plus an instantly up-to-date record.  

Although Blockchain has been on the market for several years already, it is only at the beginning of its global popularization. And in 2021, its use in different spheres of life is expected to increase rapidly. 

Cryptocurrency 

Blockchain technology is widely used when dealing with cryptocurrencies. The latter is a digital form of money that is used as a medium of exchange within a distributed network of users. Unlike traditional banking systems, these transactions are tracked through a public digital ledger (blockchain) and can occur directly between participants without the need for third-party intermediaries. 

“Crypto” refers to cryptographic methods that are used to protect the economic system and ensure the smooth creation of new cryptocurrency units and transaction verification. This technology has been booming in recent years and will only grow in 2021-2023. 

Though Bitcoin is the most hyped cryptocurrency (it has a price of over 54.000 USD per one Bitcoin, as of April 2021), many others also enjoy immense popularity. Among them are Ripple, Litecoin, Monero, Polcadot, Tether, and many more. 

In business circles, where cryptocurrencies (of which there are already more than 4,000) are taken seriously, there is the concept of Initial Coin Offering (ICO) — a way to raise initial capital using cryptocurrency, it is analogous to IPO in the stock exchange market. 

Several countries have more loyal and favorable conditions for ICOs nowadays and �ԹϹ��� offers assistance with the remote company incorporation in the following ones: Singapore, Estonia, Cyprus, Australia, the United States, and the United Kingdom.

Artificial Intelligence and Machine Learning 

Artificial intelligence and machine learning are a hot topic for discussion in 2021 — these technologies have applications everywhere from quantum computers and medical diagnostic systems to consumer electronics and smart personal assistants. 

The major global AI trends of this year will be: 

• Hyper-automation (AI, ML models, and “deep learning” using “training” algorithms and data generated by an automated system will be able to automatically respond to and make necessary alterations to ever-changing business processes and requirements).
• AI engineering (it will improve the performance, scalability, interpretability, and reliability of AI models, ensuring a full return on investment in AI). 
• Cybersecurity (AI and machine learning technologies can help identify threats, including new modifications of already known ones). 

Satellite Internet and 5G 

Private aerospace company SpaceX in 2021 will continue to connect vehicles (from cars and trucks to planes and ships) to its satellite Internet network Starlink. Such Internet will be available both in the U.S. and in other parts of the world.  

SpaceX has now launched more than 1,300 satellites into Earth orbit. In October 2020, the company began providing its services in test mode to residents of the United States, Canada, and Great Britain. 

5G 

Maximum deployment of 5G coverage in 2021-2025 on a global scale is also expected. As a reminder, 5G is a standardized technology with wide bandwidth, low latency, and advanced communications capabilities. It helps transform traditional industries and provides benefits for the global economy. Ordinary consumers take advantage of this next-generation network every day. Besides, 5G helps improve the efficiency of seaports, mines, and logistics. 

Autonomous Automobiles 

One of the most sought-after global technologies being actively tested and implemented this year is autonomous cars. Its widespread global adoption is expected in the next five years.  

Today, unmanned cars are being tested in six countries: the US, China, Russia, Israel, the UK (but here we are talking about one-off experiments), and South Korea. 

This global trend has not yet fully blossomed, but there have already been some promising successes. For example, in October 2020, Waymo, a Google subsidiary, launched an unmanned cab service in a suburb of Phoenix, the fifth most populous city in the United States. Today, anyone who downloads the app can call a robot cab. 

CRISPR/Cas9 

CRISPR/Cas9 genome editing technology, the discovery of which won the 2020 Nobel Prize in chemistry, has opened a new era in biology and medicine. With its help, scientists will be able to fight incurable diseases, correct genetic defects, and create new organisms.  

Researchers around the world have quickly recognized this possibility, and it is expected to be tested actively in 2021-2025. Optimistic scientists are even claiming that, in theory, it will make it possible in the future to modify the adult genome, allowing them to overcome, for example, HIV infection, cancer or even aging itself. 

Green Technologies 

In 2021-2025, the global community will return to serious environmental conservation steps that have been postponed due to the pandemic. Among others, it will focus on the following green technologies: 

• Carbon capture 

The use of this technology will significantly reduce the emission of CO2 into the Earth’s atmosphere and thus affect the problem of global warming, which is extremely acute in recent decades. 

• Power generation from wastewater 

This tech trend is still being refined and tested, but it’s already possible to say that it will make a revolution in the next five years. According to the scientists’ idea, with the help of their technology, it will be possible not only to treat wastewater effectively but also to obtain large amounts of electricity with it.

• Biomimicry 

The technology is an innovative approach to solving the problem of cracked concrete on roads. The self-repairing bacteria in the concrete literally seals the newly formed cracks at the first sign of them. 

Bottom Line 

While the Covid pandemic has impacted every country in the world in unimaginable ways and brought terrible consequences to the global community, at the same time, the coronavirus outbreak has impelled the maturing of numerous global technological trends, the streamlining and widespread implementation of which will continue this year. Of course, we should not expect quick results, there is still a long way to go for global scaling of all the aforementioned tech trends, but active work in these areas in 2021 will definitely pay off in the years to come. 

There is more than positive momentum already on the Covid-19 problem, widespread vaccination will do its job sooner rather than later. But, in the meantime, we are all advised to continue to limit social interaction, �ԹϹ��� suggests that you take advantage of a completely remote incorporation service to remain safe and be able to do business conveniently.

DISCLOSURE NOTICE: Any legal or tax advice in this communication (including any attachments) is for information purposes only and is not intended to be used, and cannot be used against �ԹϹ��� or its Sender. The sender is neither an Accountant nor a Lawyer and cannot be made liable. Please, contact your tax accountant for individual consultation. �ԹϹ��� does not provide any legal advice itself. �ԹϹ��� works together with a network of lawyers and tax advisors that provide all necessary individual legal advice.

In 2020, the world has experienced unbelievable events and major changes. The pandemic and subsequent lockdowns around the globe have caused uncertainty not only for the average person but also business people who are involved in real estate investments have felt strong fluctuations in this area.

As for 2021, the use of the Covid-19 vaccine and the anticipated overcoming of the global pandemic gives good reason to think that the world economy will enter a phase of a strong recovery during this period. This fact in turn directly affects the real estate investment market and should boost property investor confidence in “tomorrow”.

A large number of developed countries are trying their best to keep their economies at an as acceptable level as possible. To do this, they are taking drastic measures to support economic development through ultra-low interest rates and quantitative easing programs. These low-interest rates will be able to support real estate investment in 2021.

Lockdown restrictions and widespread economic uncertainty have caused deal volumes to decrease in 2020. Experts estimate that global investment volumes have fallen by about 28% in 2020. However, it should be noted that the 2020 crisis did not affect all types of real estate in the same way. The industrial and residential divisions experienced more reserved drops in transaction volumes, increasing the market share, which accounted for 21% and 28% of total investment, respectively. The resilience of these sectors to changes in the past year of pressure gives strong hope that this inclination is likely to persist in 2021.

2020 was a challenging year in every way, and it didn’t spare the real estate investment sector. This is a truth that is hard to argue with, but despite the short-term uncertainty associated with the pandemic, real estate has been and remains an attractive capital-raising tool for investors in the long term.

What Real Estate Sectors Should Investors Pay Attention to in 2021?

• Experts predict that office real estate will remain one of the largest property sectors for investment. The focus is expected to be on lower-risk assets with stable yield characteristics in the world’s best locations.
• The residential sector will be able to attract an ever-increasing share of global investment, subject to the support of strong fundamentals and the growth and consolidation of portfolios of cross-border investors.
• Elderly housing and healthcare are operating asset classes with long-term income potential. The accent on health and wellness in 2021 is expected to drive the investment share.

Where to Invest?

For those who are planning to make real estate investments in 2021, we have prepared a shortlist of countries that would be comprehensive for this purpose. You’ll be happy to know that there are many potential countries where you can invest your capital in residential property.

Germany

Growth in real estate prices in Germany will continue despite the pandemic and temporary economic difficulties, experts predict. The housing market in Germany is surprisingly resistant to the negative effects of the Covid pandemic. Only a slight slowdown in price growth is expected: apartments and houses will rise in price by about 4% in 2021 instead of the 5-6% forecasted earlier.

Reputable real estate investment specialists claim that the factors that influenced price increases earlier will persist in 2021: demographics that support the high demand for housing, a shortage of land for construction, as well as low-interest rates and a lack of alternative investment opportunities amid the instability of other markets.

The United States of America

The economy is showing good signs of recovery from the 2020 crisis: an overall unemployment rate is low and businesses are generally booming. These factors can’t but encourage new investment in real estate. Attention should be paid to cities such as San Diego, Los Angeles, and San Francisco, which are additional major destinations for real estate investment.

Australia

The Australian residential real estate market has seen extraordinary changes in property value over the past few decades. It has skyrocketed in significant and expensive cities like Sydney, Melbourne, Adelaide, Perth, Brisbane, and Hobart. Despite the recent tightening of credit policies, the country is recording a surge in investor interest.

Canada

Canada’s real estate market has shown great momentum and can even be said to have prospered recently. Home values rose about 10% last year in major cities, twice the long-term average. Metropolitan areas such as Toronto and Vancouver have consistently high real estate prices. Low-interest rates, moderate currency value, and tax abatements are factors that urged foreign venturers to increase their investments in real estate in 2020.

The United Kingdom

Great Britain’s real estate market has always been stable and has attracted the attention of global investors. At the moment, it is still a great place to invest in a stable asset for long-term benefits. The interest rate on the prime rate of the Bank of England has dropped to 0.1%. This in turn has increased investment opportunities. To give a necessary boost to the real estate market, the UK government has modulated the size of the temporary Stamp Duty Land Tax (SDLT) on real estate sales in order to attract new buyers.

Bottom Line

Investing in residential real estate is one of the most reliable ways to increase capital with a low risk of losing the assets invested.

�ԹϹ��� always works with its clients in mind. We have released a comprehensive whitepaper on residential real estate investing and the taxation associated with it. absolutely for free!

DISCLOSURE NOTICE: Any legal or tax advice in this communication (including any attachments) is for information purposes only and is not intended to be used, and cannot be used against �ԹϹ��� or its Sender. The sender is neither an Accountant nor a Lawyer and cannot be made liable. Please, contact your tax accountant for individual consultation. �ԹϹ��� does not provide any legal advice itself. �ԹϹ��� works together with a network of lawyers and tax advisors that provide all necessary individual legal advice.

The beginning of the year is the best time to assess where the world will head in the following months. See our opinion on the most relevant topics for 2019 in relation to business, travel, and internationalization!

Brexit

Brexit is undeniably one of the most important recent events that, although maybe hardly categorized as a business trend, will definitely have an effect on all aspects of the UK and the EU. The early worries that accompanied the news of the United Kingdom leaving the European Union may have been overly cautious and negative, but there are surely some grey clouds and uncertainty looming over Britain. One of the strongest constituents of the Union will most probably not be part of it from March 2019, and that could hamper cooperation between the UK and the EU members and make working in the UK more difficult for EU citizens – and these are only the very first visible consequences. We advise everybody to make due preparations in order to suffer the least possible damage when it comes to private or business operations. Our  will remain intact, so it may be recommended to get a real street address or a registered company address or to use our fully online company incorporation assistance to have your UK company set up before it’s not too late.

Digitization sprawling further

The scope of modern technology has been increasing so quickly that its influence on our life gets more unbelievable every week. Some say that the online giants Facebook, Google, and Amazon are working on their own payment system, thus robbing banks of their previous role and reputation, others envision such a precise AI already in 2019 that will drastically change how we regulate privacy, identity, relationships and other aspects of our life in general. All this, of course, raises questions of security that may be strengthened with the ever-evolving blockchain technology. This provides one of the few safe ways to protect information that is increasingly lesser stored on surfaces and places to which a computer doesn’t have access. While all these concerns may seem a bit distant now, just remember how many things you can do with only a small device in your pocket, and you may realize how close the future is. If you’re doing business but would like to protect your personal contact data, you may as well opt for a virtual address or a foreign phone number where your clients and customers can reach you without knowing your private contact details.

The transformation of the modern workplace

If you’re reading these lines while sitting in front of a computer in an office, then you may belong to the generation whose position, field, or workplace has not adapted to the flexibility that the modern age provides. Of course, a shift towards untraditional working environments is not a must but a door that is being open increasingly wider. Since the majority of the processes are carried out on a PC or laptop and since most of the communication is done online or via the phone, there are fewer and fewer white-collar jobs that could not be performed with 90-95% efficiency from anywhere around the world. This will have a serious effect on mass transportation, employer attitude, and HR strategies, and it will also increase your chances of being active and adventurous at the same time. Even if you’re not in such a field currently, you can take tons of online courses to be a UX/UI designer, a programmer, or whatever area provides an increased amount of physical freedom. And by having a fixed address on basically every inhabited continent of your choice, you will be able to manage your official negotiations from yours.

The Times They Are A-Changin’

It would be early to precisely predict what will happen in the next 12 months, but some of the fields where in 2019 the biggest changes will bring were touched upon here. Whether we want it or not, these are all currents whose first waves have already reached us, and the stronger tides are still yet to come. So, let’s be prepared and equipped for all possible scenarios so that we can all hope for a smooth and easy year ahead of us.

DISCLOSURE NOTICE: Any legal or tax advice in this communication (including any attachments) is for information purposes only and is not intended to be used, and cannot be used against �ԹϹ��� or its Sender. The sender is neither an Accountant nor a Lawyer and cannot be made liable. Please, contact your tax accountant for individual consultation. �ԹϹ��� does not provide any legal advice itself. �ԹϹ��� works together with a network of lawyers and tax advisors that provide all necessary individual legal advice.