APO Finance

Minerva is the world's first reverse merchant processor. We pay transaction fees to approved businesses integrated within the Minerva economy, we don't charge them. Minerva is a platform designed to incentivize the adoption of its OWL token with a new and disruptive economic model.

Apillon is a Web3 development platform empowering developers to build in the Polkadot ecosystem. Through standard API connections, it provides the complete technology stack of connected services for creating NFT, GameFi, DeFi, and other Web3 products easily, reliably, and fast.

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

COTI is the world’s first blockchain protocol optimized for decentralized payments, designed for use by merchants, governments, payment dApps and stable coin issuers. COTI Pay, our first app, already boasts a network of 5,000 merchants and 80,000 users. COTI uses a DAG (directed acyclic graph) ledger to address the shortcomings of blockchain platforms that make them unsuitable for supporting mainstream and everyday transactional needs.

Powered by blockchain technology, the little Phil platform is an entirely new way of giving that fixes trust issues with charities using a public ledger, smart contracts and unique digital identities (UDID) to provide givers with the Proof of Need and Proof of Impact required to re-establish trust in giving to charity. Little Phil uses blockchain technology and user experience (UX) designed around a positive psychology framework to allow people to have the oversight, control and emotional connection of a philanthropist, without giving large amounts. People are able to give on their terms through their smartphone and track their giving all the way to the moment it’s received. This will create an engaging experience that makes them genuinely feel the positive impact they have had on their cause. In addition to this, charities will have solutions to their fundraising and exploitation concerns at a much lower cost than they currently incur.

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.