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Archivo del Autor: Belen De Leon

Loans marketplace Mintos scores €5M Series A and plans to launch a debit card

Mintos, the Latvian fintech that operates a global loans marketplace to let you invest in loans from various loan originators, has raised €5 million in Series A funding. Backing the startup once again is the Riga-based venture capital firm Grumpy Investments (previously known as Skillion Ventures). More noteworthy, the new capital will be used to launch a Mintos banking account and debit card, significantly expanding the company’s offering.

“Both banking account and the card in our opinion is a natural step in our journey of revolutionising financial services through technology and serving our investors and will nicely complement our current offering of investments in loans, and low-fee mid-market rate currency exchange,” Mintos co-founder and CEO Martins Sulte tells me. “This development also means that, theoretically, our investors won’t need their banks anymore”.

The Mintos banking account will act like any other IBAN account. You’ll be able to receive a salary into your Mintos account, use it to get paid by companies, or receive money from friends. And of course you’ll be able to transfer money out of your Mintos account, just like a regular bank account.

Sulte says the idea behind plans to launch a Mintos banking account, and the reason why the company is applying for a European e-money license, is to improve the overall Mintos experience. This includes making it quicker to access money generated by the loans you have invested in (which is held by Mintos on your behalf) and easier to invest on a regular basis.

“The card will allow investors to access the money they hold on the Mintos account instantly by paying at their local grocery shop or online or withdrawing money at ATMs; basically use the card like any other bank card,” he says. “They will no longer need to request a withdrawal from the platform to their bank account and wait up to two days for their money to arrive”.

The fintech startup claims a customer base of 87,000 investors from 71 different countries. In addition to launching the Mintos banking account, the company will use the additional funding for further geographical expansion, including Latin America, Africa, and Southeast Asia). It will also invest in acquiring more customers, and significantly expanding the size of its 60 person team. Notably, Mintos has been profitable since January 2017.

To the end, the fintech company says it has already facilitated more than €1 billion in investments in loans through its marketplace since launching in 2005. It says Investors in total have earned €26.7 million in interest through loans to individuals and businesses and have attained an average net return of nearly 12 percent.


Source: TechCrunch

Withings launches a fitness tracker for some reason

Withings is back with, of all things, a fitness tracker. It’s a bit of an odd addition, two months after the company re-launched, post-Nokia. The company’s first product, the Steel HR Sport, picked up where it left off with another sport-focused hybrid smartwatch. The Pulse HR, meanwhile, finds it looking back at wrist-worn fitness trackers.

It’s a strange addition, really. After all, smartwatches represent a rare bright spot in the world of wearables — fitness trackers, not so much. Heck, even Fitbit has been making a major push into the watch world.

Withings, for its part, is, “Reviving the classic design of Withings Pulse, the first tracker that Withings ever launched in 2013,” according to the press material. At $130, it’s not exactly cheap, as far as these things go. Companies like Xiaomi have completely undercut much of the market with wearables running $100 less than that.

As for what it does have, the Pulse HR sports an impressive 20 hours of battery, multi-sport tracking and the titular heart-rate monitoring. The tracker is up for pre-order now and should start shipping before the holidays.


Source: TechCrunch

The forgotten ‘Facebook of China’ is sold for $20M

Renren, which was once heralded as the ‘Facebook of China’ and later became China’s answer to MySpace after falling out of fashion among its core young users, is selling its social networking business.

Renren’s parent company Beijing Qianxiang Wangjing has agreed to sell all tangible and intangible assets of renren.com to Beijing Infinities Interactive Media, according to a statement. As part of the deal, Qianxiang will receive $40 million worth of shares in Beijing Infinities, a $700 million firm that owns one of China’s major IT news sites DoNews.

“I am happy to find a home for renren.com,” says Renren’s chairman and chief executive officer Joseph Chen in the statement.

The social network won’t be foreign to its new home. On the list of the buyer’s shareholders is Oak Pacific Holdings, which Chen and James Liu, Renren’s executive director and chief operating officer, control.

Once a highflyer in China’s PC era, Renren’s prospects have faded as it fell behind peers like Tencent and Weibo in the mobile space. Its stocks hover around $2 today, compared with its spectacular moment at $84 when it debuted on the New York Stock Exchange in 2011. That put its market cap only behind Tencent and Baidu. Renren says it plans to remain listed in the US after disposing of its social networking arm.

Shedding its social network legacy, the company says, will allow it to focus on the more promising ventures. In recent years, Renren has diversified into areas outside the social space, including a used car platform in China, US-based transportation network Trucker Path, and a SaaS business in the US. The auto unit has been a key revenue driver, accounting for more than 90 percent of its total revenues in Q2 this year, a spike from 60 percent throughout 2017.

Renren has also been a prolific startup investor with a portfolio valued at $500 million (paywalled) after deducting debt, according to the Financial Times. The company was also mulling an ICO earlier this year but reportedly shelved the plan after talks with Chinese regulators.

A glorious past

These days, Chinese youngsters hang out on WeChat, QQ, Weibo, and increasingly Douyin – TikTok’s China version – but back in the PC days, teens and college students flocked to renren.com.

Like Facebook, Renren started from the dorm rooms at China’s top universities. Its founders aptly named it “Xiaonei”, which means “on campus”, when they started the site to target student users in 2005. Among its early founders was Wang Xing, who would go on to launch Meituan Dianping, a neighborhood services provider that has blossomed into a $300 billion giant listed on the Hong Kong Stock Exchange.

A year later, Chen bought out Xiaonei and merged it with his own Xiaonei rival. He later renamed the new entity to Renren, which means “everybody”. The social network flourished and got a further boost after China blocked its American competitor Facebook in 2009.

In its heyday, Renren had over 100 million active users. Today, it’s more like a time capsule, but its once loyal users haven’t erased it from their memories. In August, Renren staged a marketing stunt that got waves of internet users reminiscing their good old days on the site. Topics ranged from how they played browser games together and sent anonymous notifications to crushes. But the excitement was transient, and people soon resumed their routines on the mainstream social apps of 2018.

Renren has not mentioned plans to close down its forgotten social network, so users can still log in whenever they feel nostalgic, safe from the agony that their Path counterparts had to go through when the latter recently shuttered.


Source: TechCrunch

NASA set to broadcast its first Mars landing in six years – CNET

And here are all the places where you can watch it happen…
Source: CNET

Snap is being probed over its IPO because some investors are salty about losing money

Here’s something I didn’t expect to read today. The U.S. Justice Department and Securities and Exchange Commission has subpoenaed Snap for details on its IPO apparently in connection with a lawsuit from disgruntled shareholders who claim the company played down its rivalry with Instagram.

Reuters first reported on the subpoenas which Snap has confirmed. Precise details aren’t clear at this point but Snap told Reuters that the probe is likely “related to the previously disclosed allegations asserted in the class action about our IPO disclosures.”

Snap went public last March with sharing popping over 40 percent on its debut to give it a valuation of $30 billion. It’s market cap today is a more modest $8.9 billion due to numerous factors including, most prominently, the efforts of rival Facebook to compete with Instagram, which has rolled out a series of features that mimic Snap’s core user experience.

That cloning has taken its toll on Snap’s business.

Today, Instagram’s Stories — the feature that closely resembles Snap’s app — has some 400 million users, that’s more than double the users of Snap. But it is far-fetched to claim that Snap played down that threat when it went public, which is what the class action case claims.

The writing had been on the wall for some time as Snap noted in its S-1 filing ahead of the IPO:

We face significant competition in almost every aspect of our business both domestically and internationally. This includes larger, more established companies such as Apple, Facebook (including Instagram and WhatsApp), Google (including YouTube), Twitter, Kakao, LINE, Naver (including Snow), and Tencent, which provide their users with a variety of products, services, content, and online advertising offerings, and smaller companies that offer products and services that may compete with specific Snapchat features. For example, Instagram, a subsidiary of Facebook, recently introduced a “stories” feature that largely mimics our Stories feature and may be directly competitive. We may also lose users to small companies that offer products and services that compete with specific Snapchat features because of the low cost for our users to switch to a different product or service. Moreover, in emerging international markets, where mobile devices often lack large storage capabilities, we may compete with other applications for the limited space available on a user’s mobile device. We also face competition from traditional and online media businesses for advertising budgets. We compete broadly with the social media offerings of Apple, Facebook, Google, and Twitter, and with other, largely regional, social media platforms that have strong positions in particular countries.

But even if an investor something didn’t read that document or reports of it (not advised) there was ample press coverage of the growth of Instagram Stories, and Facebook’s general Snap cloning efforts, since its launch in August 2016.

In particular, TechCrunch covered the rivalry and cloning closely ahead of Snap’s IPO with reports that showed Instagram was “stealing” Snap users, that it was responsible for slowing user growth and more.

In short, it was fairly clear that Instagram was cloning Snap, which in turn was a key factor for Snap’s growth struggles.

Don’t get me wrong there’s certainly a lot to worry about over at Snap — those poor user numbers, a string of executive exits and a strange u-turn on a recent hire — but this lawsuit looks to be little more than sour grapes from investors who either didn’t fully understand the space they invested in, or simply made a poor decision to back Snap at whatever price they did.

On that note: anyone who invested at Snap’s peak valuation might have lost more money than betting on Bitcoin during this year’s January hype — that’s saying something — but ultimately they have no-one to blame but themselves.


Source: TechCrunch

GameStop's Black Friday deals on Xbox One and PS4 start Sunday, Nov. 18 – CNET

The best thing about the GameStop deals is that they start early.
Source: CNET

Drunk online shopper wakes up to live pig, peacock and giant salamander – CNET

Some advice for you on Black Friday: Don’t drink and buy.
Source: CNET

Black Friday 2018 smartwatch and fitness tracker deals: $80 off Apple Watch, $50 off Fitbit Versa – CNET

Fitbit, Apple Watch and Samsung — we take a look at some of the best deals on these wearable devices ahead of Black Friday.
Source: CNET

George R.R. Martin has yet another book series coming to TV – CNET

This time the lucky platform is Hulu, and the series is Martin’s Wild Cards.
Source: CNET

Juul Pledges Big Changes, but the Impact May Be Small

The e-cigarette maker says it will discontinue some flavors at retail outlets and shut down social media accounts ahead of an expected FDA crackdown.
Source: Wired

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