APO Finance

TillBilly aims to bring blockchain to the mainstream retail. TillBilly is a Stellar based digital payments network with a unique point of sale hardware terminal that empowers everyday shoppers to make contactless payments, automatically get digital receipts (tax invoices) and collect loyalty reward points, without the complexity or price volatility associated with cryptocurrencies TillBilly bypasses the middlemen Merchant Services providers (card processing companies, payment gateways) who charge high processing fees per transaction (1.5% - 3.5%) and provides an ultra low fee payments network, so the shopper pays less, and the merchant gets more Protects both shoppers and merchants against any cryptocurrency price volatility. Provides a seamless way of funding wallets within app, and making payments through our proprietary tap-and-go (NFC) payment terminals. Complexities of blockchain and cryptocurrencies are hidden from shoppers and merchants.

Emrify is launching a decentralized Personal Health Record platform on top of the Ethereum public blockchain to deliver trusted health information to the right hands at the right time anywhere in the world. With years of building consumer engagement mobile apps, Emrify is laser focused on collecting and locking up data for each person for complete ownership and control to freely share their data. Our top priority is to create attractive cryptoeconomics models to incentivize health data sharing for all parties. With strategic US partnerships with hospitals and doctors, Emrify is building on top of established prototypes to accelerate the launch of production interfaces to firmly establish the Utility Token in healthcare.

CRED, formerly Libra Credit, is a decentralized lending ecosystem that facilitates open access to credit anywhere and anytime based on the Ethereum blockchain.

Using AI and blockchain, Zwoop’s unique find engine helps shoppers find the products they want from any website, at the best available price with a single click checkout. Shoppers will be able to pay for products using cryptocurrency and ZWP tokens.

Digiwills is a service based on a smart contract that aims to ensure that your digital assets are not lost or fall into the wrong hands. Thanks to the blockchain technology, with this innovative service it will be possible to safely leave all your digital assets. Such as: Access to Cryptographic Portfolios, Exchange, bank accounts, emails and passwords of your social networks and everything that only you have access to. With this service we can leave everything in order for our families to enjoy our digital assets. Decentralized The service will be based on an smart contract in the blockchain, this means that no entity or person will have access or control to the data of the users. Only the users themselves and the successors will have access, once the information is sent to them. Reliable The data will be stored in the blockchain, encrypted with the owner's key. Once in the blockchain there will be no way to alter or read them without the owner’s key. Safe Being a decentralized service, the data will be replicated throughout the network so losing them will be impossible. How it works On the platform, the user will be able to create an account where they can save sensitive data, such as: users and passwords, details of bank accounts or any information they wish to be grouped in blocks (Wills), in the blockchain in a secure way, to these blocks the user can assign successors which will receive the information contained in the block (Will). These blocks (Wills) will be encrypted using the unique key of each user, therefore only the owner will have access to said information and his assigned successors once he meets certain criteria. The service will consume an amount of the Digiwills Token (DGW) daily, as a condition to keep your data retained. If account run out of funds, the system will send the data to successors.

"People can, DAO's do. Candao mission is to create a platform where individuals with the same business and social goals can come together to inspire, engage and build values together. Candao unlock people’s superpowers and let them tokenize the value they create, liquefy assets, connect existing ones, bring people together in order to build joint ventures, distribute profits between all involved people and unlock the value of everyone who plays different roles in everyday life."