Cloudpeer is a software | platform company that develops patentable intellectual property and brings scalable platform businesses to life on its own technology. Our solutions serve central authorities, incumbent banks, neobanks and other fintechs in the financial sector. Our platforms help large enterprise to digitally transform their supply chains to networked ecosystems. Our current subsidiaries are imza.io and PosPay. Our strategic innovation and R&D focus areas are: PlatformWeb3.0 - Networked ecosystem enablement - Distributed transaction & service consortium infrastructures - Transactional service exchange | API hub - Decentralized asset & message transfer DLT ­| Blockchain NeoBank­FintechEnterprise - Networked fintech & bank ecosystem enablement - Banking-as-a-service (risk | cash management) - Fintech | Digital Bank enabler & aggregator - Financial decisioning | AI-driven scoring - (Distributed) Request2Pay | Bill presentment Cloud - Future (cash) flow securitization GoPaperless­GoContactless - Electronic signatures - Mobile identities - Digital contract transactions - Paperless (distributed) business processes - Centralized | decentralized authentication | authorization EnterpriseFrameworkR&D - (Hybrid multicloud) data fabric & analytics cloud - Stateless business process management - Event-driven architectures - Event-driven | certificate-tempered audit trails - Data Science | Machine learning - No-code | low-code business apps | processes