Singapore’s largest bank, DBS Bank, completed an intraday repo trade on J.P. Morgan's Onyx

Repos are a $4 trillion market and settlements usually take two days.

By using blockchain technology it was possible to complete this transaction in just a few hours.

https://www.forbes.com/sites/emilymason/2021/08/19/singapores-central-bank-is-building-a-bitcoin-inspired-currency-using-jp-morgan-technology/?sh=10ab208155b1

“ In pursuit of this streamlined system, the MAS partnered with BIS in July on a new initiative called Project Dunbar to build a common platform where central banks could directly transfer funds across borders using central bank digital currencies (CBDCs). ”


https://youtu.be/d_EbZ0QBbno


Project led by the BIS Innovation Hub in partnership with the Reserve Bank of Australia, Central Bank of Malaysia, Monetary Authority of Singapore, and South African Reserve Bank



Project Dunbar is an experimental multi-CBDC (multiple central bank digital currencies) platform for international settlements, developed by BIS Innovation Hub and central banks of Australia, Malaysia, Singapore and South Africa.
Redigert 19.11.2022 kl 13:10

https://www.straitsx.com/blog-post/straitsx-partners-industry-leaders-to-pilot-stablecoin-real-world-use-cases


StraitsX partners industry leaders to pilot stablecoin real-world use cases at the Singapore Fintech Festival 2022
November 2, 2022

With IDEX

world’s first biometric wallet to complete an end-to-end security audit by a credentialed security lab to achieve the Common Criteria EAL5+ software certification on a certified EAL6+ silicon.

https://sentinelwallet.com/sentry-enterprises-announces-the-worlds-first-security-lab-certified-biometric-cold-storage-crypto-wallet/

Nu ännu flera länder med IDEMIA

https://www.pymnts.com/cbdc/2022/france-singapore-and-switzerland-test-cross-border-cbdc-payments/

Australia, Malaysia, Singapore and South Africa, Sweden , Japan, 6-8 Banks in Kina running CBDC

och nu France, Switzerland och UK is launching a CBDC retail pilot featuring a live stablecoin asset

Tokyo, 14th December 2022 – IDEMIA, the leader in identity technologies, today announced the launch of its first service centre in Japan as a reflection of its commitment to supporting digital advancement in the country. Located in Kawasaki, the service centre can support millions of users and aims to partner with Japanese credit card issuers to deliver premier products and services for end users in Japan. This includes IDEMIA’s advanced card personalisation offerings such as F.CODE, recycled PVC cards, metal cards and more.

https://www.idemia.com/press-release/idemia-reaffirms-commitment-to-japan-launch-new-service-centre-2022-12-14/

Domo arigatu gozaimasu.

I Japan utstedes det ca. 300 millioner kredittkort i året, etterdom jeg har forstått. Det kan bli bra dette.

Julenissen kommer ikke i år heller.

Makan til optimisme her inne. Denne Aksjen en dømt nord og ned. Hva skal vi med plastkort?

Har du plastkort i dag? Noe tro har du jo i og med du skal inn igjen hvis den kommer under 1 krone ;)

Der har du poenget. Blir ikke noe nyttårsfeiring i år heller på IDEX

Hva skal du med id-kort? Er du helt på bærtur? Har du sett markedsundersøkelsene for kort for de nærmeste årene?

Enda en krampetrekkning fra en ihuga IDEX patriot. Blir du ikke lei av å hause opp denne Aksjen. Se på regnskapet og våkne opp før det er for seint.

Regner med du har kort da du ikke svarte og selvfølgelig skal det være biometriske, litt rart å bruke pin kode.

Blir tungvint med en treplanke...

Plutselig 2,80,-)
Vi får kose oss med nedfallsfrukten imens.

Du kan gå tilbake å se på de samme markedsundersøkelsene i f.eks. 2018. Den gang skulle det ta av neste år. Og slike har det vært hele tiden.

Helt enig med iTRADER09.

The planning for Brazil’s central bank digital currency, the Real Digital, is entering a new phase. The Banco Central do Brasil (BCB) has selected Giesecke+Devrient’s CBDC solution Filia for its dual offline payment capability in a challenge that evaluates use cases of a digital currency in the South American country.

The central bank’s digital currency (CBDC), the Real Digital, is to be launched in Brazil as early as 2024. This would position Brazil among the first major countries to have a CBDC as a complementary alternative to cash. In preparation for this major step, the Brazilian Central Bank in partnership with the national Federation of Associations of Banco Central Servers (Fenasbac) initiated the program „LIFT Challenge Real Digital“ to evaluate use cases and the best technologies for the ambitious project.

Spør deg igjen som du aldri svarer på, hvorfor kommer du igjen om den havner under 1 krone? Bare svada. Takk andre for god info som for eksempel Poki som kommer med nyttig info!

Japans centralbank kommer dra igång ytterligare cbdc trails i mars nästa år. Den kommer involvera några av Japans storbanker. Trailen kommer pågå i två år. Därefter kan det bli aktuellt med lansering av digitala yen år 2026.

Kan länka men det verkar inte viktigt bifoga urls i det här forumet.

Sentry Enterprises intends to sell Sentinel Wallet LLC via a formal investment banking process in early 2023.


In CBDC game

Sentinel’s goal is to sell its solution; believing that it will be highly sought after by a wide array of interested parties, from leading crypto exchanges and large Fintech companies to current wallet providers and governmental agencies implementing Central Bank Distributed Currencies (CBDC). For more information about the Sentinel Wallet please visit

With CC EAL5+ certified software and EAL6+ hardware, the Sentinel Wallet will be the world’s first biometric cold storage crypto solution to complete an end-to-end security audit by a credentialed security lab.


https://sentinelwallet.com/?_ga=2.137826681.877820552.1671729436-554536526.1671729436&_gl=1%2Afpfduq%2A_ga%2ANTU0NTM2NTI2LjE2NzE3Mjk0MzY.%2A_ga_KML1EQ7P7G%2AMTY3MTc1MDAyNS4yLjEuMTY3MTc1MDAzMi4wLjAuMA..

Bare vent å se... Tar ikke mange dagene nå, så er vi under 1

Ikke mange minuttene, mener du. Vet ikke hva som skal til for å snu denne. Virker som om robotene vil ha den ned i 0.

Vi får sette vår lit til at det skjer et mirakel

Nå får vi bare sette vår lit til at emisjonsinvestorene misliker så strekt å se sine investeringer gå i minus at de snart "trår til" igjen!
Kanskje en ringerunde til de som ikke fikk være med sist?
Emisjonen var jo kraftig *overtegnet*, var den ikke?

Plutselig 2,80,-)


«This partnership will provide banks and other smart card issuers with biometric card solutions for the Indian market, a front runner in biometric authentication. India is one of the world’s fastest growing payment card markets with close to 1 billion cards issued annually, and with 5 million acceptance locations1.«

https://www.globenewswire.com/news-release/2022/11/30/2564637/0/en/IDEX-Biometrics-and-M-Tech-to-scale-Biometric-Payment-Cards-in-India.html



Ikke så stor andel Idex trenger av disse for å skyte i været:)

M-TECH to scale Biometric Payment Cards in India, M-Tech is certified by RuPay, Visa and Mastercard, offering high tech end-to-end smart card solutions for financial payments, access control, and government identification, the biometric solution is based on IDEX Biometrics TrustedBio sensor module, powered by SLC38 from Infineon Technologies.

Som vi ser her er Rupay listet opp ved siden av M-Tech på presentasjonen https://ibb.co/x5xTLKM

RuPay har over 605 millioner betalingskort i sirklasjon utstedt av 1160 banker, RuPay’s market share are more than 60 per cent of total cards issued in India

Det er kinderegget sitt det!
Asia er Idex sin tumleplass.

Dettane blir heiltfint det!

Så mens vi venter kan disse algoene kjøpe og selge til seg selv til de blir blå, betyr ingenting i lengden:)

Kan bli ett skikkelig gullegg, Idex. 2023 blir året hvor piloter og sertifiseringer blir omgjort til volumordre i markedet.

EU tagit IDEMIA för CBDC

https://www.digital-identity-wallet.eu/

IDEMIA is thrilled to be part of the POTENTIAL Consortium that was recently selected by the European Commission to pilot the new European Digital Identity Wallet (#EUDIW) prototype in six use cases

Det drar seg til!

Skulle ikke forundre meg om f.eks IDEMIA kjøpte hele IDEX, nå som selskapet er bunnpriset, og sitter i rakettoppskytningsdokken

hva kunne eventuelt en pris blitt for ett slikt bud som kunne aksepteres fra de største eierne?

Jeg ville tro min 3 kr, utifra diverse tidligere emmisjonskurser osv, nå brenner det sikkert ikke under føttene på f.eks Sundt as som er største akjonær

Hvem fikk rett?

https://www.biometricupdate.com/202301/idemia-part-of-potential-consortium-awarded-large-scale-pilots-for-eu-digital-identity-wallet

Idemia part of Potential Consortium awarded large-scale pilots for EU Digital Identity Wallet

Forsatt ikke det som var poenget mitt :)

Fortsatt rett!

https://www.cgap.org/research/podcast/will-central-bank-digital-currencies-be-game-changer-for-financial-inclusion

CBDC Piolets and Proof of concept mellan 2020-2023

India wants to launch its central bank digital currency at a national level by the end of 2023, but early into its pilot, the Reserve Bank of India has identified challenges, several people familiar with the matter said.


India launched two CBDC pilots last year. The first, a wholesale CBDC effort (CBDC-W), began on Nov. 1 with the participation of nine banks. The other, a retail CBDC (CBDC-R) pilot, launched on Dec. 1 in four cities – Mumbai, New Delhi, Bengaluru and Bhubaneswar. Initially, four banks, including the State Bank of India, ICICI Bank, Yes Bank and IDFC First Bank participated.
It has "now been extended to 15 cities with Chandigarh as the newest addition," a senior official told CoinDesk. "More than 50,000 customers and 10,000 small and big merchants have been onboarded now," including Reliance Retail, the nation's largest retail chain.

https://www.coindesk.com/policy/2023/02/08/unpacking-indias-cbdc-pilots-as-country-prepares-for-digital-rupee/

and Its Idemia and Britt definitely lite gamla länkar som jag har lagt tidigare för de som missat

https://www.youtube.com/watch?v=dj64MaBT6Uk timeline 1:13 in Japan

https://www.youtube.com/watch?v=X4A4B931SPQ may be South Africa / Caribbeans

https://www.youtube.com/watch?v=h4ppjv-eqtc may be South Africa / Caribbeans

https://www.youtube.com/watch?v=10KV5InnVpE

https://www.youtube.com/watch?v=d_EbZ0QBbno Singapore


lyssna på de som har tid

https://www.coindesk.com/policy/2023/01/11/china-includes-digital-yuan-in-cash-circulation-data-for-first-time/

China was among the first countries to develop a CBDC, entering into projects with other nations and the Bank for International Settlements, an association of 61 central banks from around the world. Its pilot scheme involves as many as 26 large cities and 5.6 million merchants, according to a report by the South China Morning Post (SCMP).

China's e-CNY is being rolled out on a trial basis across the country, with 23 cities including Beijing, Shanghai and Shenzhen now covered, the report said.


DCash
Eastern Caribbean Economic and Currency Union (OECS/ECCU)
Eastern Caribbean Central Bank (ECCB)
2022
Pilot

E-cedi
Ghana
The Bank of Ghana
2021
Pilot

France & Tunisia CBDC
France & Tunisia
Banque de France & Banque Centrale de Tunisie
2021
Pilot

France & Singapore CBDC
France & Singapore
Banque de France (BdF) and the Monetary Authority of Singapore (MAS)
2021
Pilot

e-CNY
China
People's Bank of China
2023
Pilot

France wholesale CBDC
France
Banque de France
2022
Pilot

Project Ubin+
Singapore
Monetary Authority of Singapore
2022
Pilot

Digital Rupee
India
RBI
2022
Pilot

e-Naira
Nigeria
Central Bank of Nigeria
2022
Pilot

France CBDC
France
Banque de France
2022
Pilot

Digital Lira
Turkey
Central Bank of the Republic of Turkey
2023
Proof of concept

e-krona
Sweden
Sveriges Riksbank
2022
Proof of concept

Digital Ruble
Russian Federation
Bank of Russia
2023
Proof of concept

Crypto-Rial
Iran
Central Bank of Iran
2023
Proof of concept

Digital Tenge
Kazakhstan
National Bank of Kazakhstan
2022
Proof of concept

Digital yen
Japan
Bank of Japan
2022
Proof of concept

Digital Real
Brazil
Central Bank of Brazil
2022
Proof of concept

Digital Won
South Korea
Bank of Korea
2022
Proof of concept

Norway CBDC
Norway
Norges Bank
2022
Proof of concept

Thailand CBDC
Thailand
Bank of Thailand
2022
Proof of concept

Taiwan CBDC
Taiwan
The Central Bank of Taiwan
2020
Proof of concept

South Korea CBDC
South Korea
Bank of Korea
2020
Proof of concept

Hungary CBDC
Hungary
Central Bank of Hungary (MNB)
2022
Proof of concept

New Zealand CBDC
New Zealand
Reserve Bank of New Zealand
2022
Proof of concept

E-ringgit
Malaysia
Bank Negara Malaysia
2022
Proof of concept

8 months back China had 128 miljons users testing/ piloting CBDC :-) how many of them had Biometric Wallets just hold on IDEX Biometrics will be 30 Kr soon.



China had 128 miljons users testing/ piloting CBDC :-) 8 months back

China had 128 miljons users testing/ piloting CBDC :-) 8 months back

China had 128 miljons users testing/ piloting CBDC :-) 8 months back


Just think 10% of that is 12.8 Mil Biometrix Wallets :-)

and 87% - 90% Central Banks in the World are looking in to CBDC.

https://www.linkedin.com/posts/susannehannestad_cbdcs-offline-payment-activity-7042817673050660864-1HEb?utm_source=share&utm_medium=member_ios

Brazil hardware base , Japan Hardware and Ghana hardware base

Experimentation with #CBDCs and various pilot projects have been launched by regulators in collaboration with technology providers to explore the #offline capabilities of their #payment systems.

Six pilots around the world in Ghana, Nigeria, Japan, India and Brazil.

Crunchfish AB is piloting in Reserve Bank of India (RBI) sandbox with HDFC Bank and IDFC FIRST Bank to explore Offline Retail Payments.

POTENTIAL builds and realizes applications for testing the European Digital Identity Wallet launched by the European Commission.
Explore POTENTIAL’s pilots
POTENTIAL illustration
POTENTIAL illustration
Update on Proposal
The POTENTIAL Consortium is selected by the European Commission to pursue its journey to digital European Identity. On 14/12/2022, the European Commission announced the results of the LSP on the European Digital Identity Wallet. The POTENTIAL Consortium is thrilled to share that its proposal, submitted in August 2022, has been selected by the European Commission.

148 participants from 19 EU member states and Ukraine gather in the POTENTIAL Consortium to pilot new coming EU Digital Identity Wallet (EUDIW) prototypes in six Use Cases (“Electronic Government services”, “Account opening”, “SIM registration”, “Mobile Driving Licence”, “Remote Qualified Electronic Signature”, and “Electronic Prescription”).
The POTENTIAL Consortium renews its commitment to implementing these pilots with ambition and determination.

All POTENTIAL participants are glad to be entrusted by the European Commission to build such pioneering Use Cases for cross-border testing of the digital European Identity. The POTENTIAL Consortium is now ready to engage into a round of negotiations with DG CONNECT which will be concluded by the signature of the Grant Agreement (GA) and the launch of the project, estimated beginning of May 2023.
Envisioning Europe's Digital Identity
The PilOTs for EuropeaN digiTal Identity wALlet (POTENTIAL) consortium for Digital Identity unites 20 countries represented by their national ministries as well as third parties and aims to improve citizens’ access to trusted and secure electronic identity means and services such as electronic signatures or attestations of attributes. This shall enable citizens to store their ID in a secure digital wallet valid across borders.
The mission is to shape and realize scenarios for testing the European Digital Identity Wallet being launched by the European Commission.
POTENTIAL launches six use cases in the fields of banking, mobility, health, and administration to pilot the usage of the European Digital Identity Wallet, offering several benefits:
Crossing borders.
Crossing borders.
Digital identification that can be used both domestically and across borders throughout Europe.



https://www.digital-identity-wallet.eu/

Hvordan er dette relevant for Idex?

Denne posten ble litt lang, beklager... men alt er rellervant informasjon i forhold til konkluksjonen til at kortet til JCB leveres med sensor fra IDEX

JCB Offline Digital Currency Pilot (Japan)
Det japanske kortselskapet JCB lansere i januar CBDC-prosjekt med Soft Space og IDEMIA, (det er ikke kjent omkort løsningen skal leveres med eller uten Biometri).

Slik CBDC løsningen til JCB skal brukes, er Soft Space skal levere "Tap on Mobile’, teknologi som gjør at mobiltelefoner kan fungere som utsalgsterminaler med IDEMIA`s betalingskort (CBDC hard Wallet)

Selvfølgelig skal dette IDEMIA kortet leveres med biometrisk sensor
- Se før det dette scenario
Du har et kort (offline wallet solution) hvor betaling utføres ved å tappe kortet på mobil telefonen til motaker.med ubegrenset beløpsgrense
Hvordan skal du identifisere deg som eier av kortet ?
- Du kan jo ikke taste inn kode på motakers telefon, da kan koden/identiteten lett stjeles
Soft Space applikasjonen, «Tap on Mobile», gjør at mobiltelefoner kan fungere som utsalgsterminaler med debet- og kredittkort

* JCB skal levere blockchain-based CBDC network
* IDEMIA skal levere kortløsningen, (offline wallet solution)
* Soft Space, skal levere ‘Tap on Mobile’, teknologi som gjør at mobiltelefoner kan fungere som utsalgsterminaler med debet- og kredittkort.

JCB, IDEMIA and Soft Space “JCBDC” pilot i Japan blir ferdig denne måneden
Idemia announced they intend to complete the payment system development by late 2022 and conduct pilot tests with Tokyo merchants until March 2023
https://www.idemia.com/press-release/jcb-idemia-and-soft-space-launch-jcbdc-pilot-test-cbdc-store-payments-2022-10-24

Litt bakgrunn informasjon
---------------
JCB to pilot central bank digital currency payments on contactless cards
Idemia announced they intend to complete the payment system development by late 2022 and conduct pilot tests with Tokyo merchants until March 2023
According to the press release, the test run will focus on three major aspects including a cashless payment solution, an issuance and distribution of "plastic cards" for CBDC,
"The announcement does not specify whether the cards will include biometrics, "but they will be relied on to meet the system’s digital identity requirements."
---------------
Japanese card company JCB launches CBDC project with IDEMIA
JCB, the Japanese card payment network, announced a central bank digital currency (CBDC) proof of concept, JCBDC, with IDEMIA and Malaysia fintech Soft Space.
*For the first project, Soft Space has an application, ‘Tap on Mobile’, that enables mobile phones to act as point-of-sale terminals with debit and credit cards. Hence CBDC payments using payment cards will be routed through the conventional card network and eventually to JCB’s blockchain-based CBDC network.
While most CBDC solutions focus on mobile wallets, not everyone has a smartphone and sometimes cards might be more appealing
IDEMIA, a partner for the project, was recently one of the winners of the G20 TechSprint for CBDC for an offline wallet solution.

03.02.22
IDEMIA partners with Soft Space to enable Tap on Phone payments
https://www.idemia.com/press-release/idemia-partners-soft-space-enable-tap-phone-payments-2022-03-02

10.24.22
JCB, IDEMIA and Soft Space launch “JCBDC” pilot to test CBDC in-store payments
https://www.idemia.com/press-release/jcb-idemia-and-soft-space-launch-jcbdc-pilot-test-cbdc-store-payments-2022-10-24

------------
1 april 2023
En praktisk guide til offline betalingssikkerhet

- Aktiverer betalinger uten nett i en online verden
Som nevnt tidligere er en av de viktigste risikoene i en offline betalingsordning er dobbeltforbruk. Det er mange typer angrep som kan føre til til dobbeltbruk, f.eks. mann-i midten angrep, gjentakelse av transaksjoner, kloning, jailbreaking, og tukling med bærerapplikasjonen.
Etter å ha fått en bedre forståelse av designelementer for en sikker offline betaling systemet, diskuterer vi deretter den spesifikke sikkerheten risikoer og redusering på hvert nivå i systemet arkitektur:

BEHOLDE BÆRERENS INTEGRITET APPLIKASJON
Noen av de store sikkerhetstruslene som kan oppstå på nivå med bærerpåføring (f.eks. smarttelefon, funksjonstelefon, bærbar enhet, kort osv.) inkluderer tukling med den pålitelige applikasjonen eller dens data. Det er også risiko for kloning hvis enheten er jailbroken eller rotfestet, som muliggjør en tilbakestilling av frakoblet saldo til tidligere nivåer.

Selv om det alltid er mulig å oppdage uredelig kloning når betaleren går på nett, det er viktig å avbøte mot tilbakeføringer hvis betaleren forblir offline ved å pålegge ytterligere risikogrenser på transaksjonsbeløp. Kloning mellom enheter reduseres vanligvis via enhetsfingeravtrykk, som knytter de frakoblede pålitelige applikasjonen til enheten den kjører på.

Uautorisert tilgang kan reduseres ved å bruke Tilleggsfaktorautorisasjon (AFA) basert på passordfraser eller biometri for å få tilgang til offline pålitelig applikasjon, Tradisjonelt har Secure Elements (SE-er) eksistert i form av en maskinvarebrikke eller token som er designet for å kjøre et begrenset sett med applikasjoner, og/ eller lagre konfidensielle data og kryptografisk nøkler. Men nyere innovasjon i rommet har ført til utvikling av programvarebasert SE-er, eller virtuelle SE-er.18 virtuelle SE-er skal angivelig tilby et lignende nivå av beskyttelse mot uautoriserte tilgang som maskinvarebrikker eller tokens, men har fordelen med større enkel distribusjon og lavere gjennomføringskostnader. Derfor deres bruk kan tillate enklere skalerbarhet sammenlignet til maskinvarebaserte SE-er. Imidlertid må de distribueres på en smarttelefon, og begrenser deres relevans i markeder med lav smarttelefon penetrasjon foreløpig.

https://mb.cision.com/Public/14959/3735511/a28c5d92259c13cd.pdf#%5B%7B%22num%22%3A38%2C%22gen%22%3A0%7D%2C%7B%22name%22%3A%22FitR%22%7D%2C-104%2C-2%2C698%2C844%5D

Rundt 300 millioner betlingskort utstedes årlig i Japan.

Da fikk vi endelig resultatet av JCB / IDEMIA sin japanske pilot :) "Vellykket proof of concept"

23. april 2023. Resultater fra Bank of Japan CBDC PoC fase 2
I april 2023 har Bank of Japan til hensikt å starte et pilotprosjekt for sentralbankers digital valuta - CBDT post a vellykket proof of concept - PoC
https://medium.com/tokyo-fintech/bank-of-japan-cbdc-poc-phase-2-results-bd6d5f11d5e1

Digital wallets present biometrics providers with another potential next big thing
Apr 29, 2023, 11:28 am EDT | Chris Burt

And WHO is the Leader with most SE and Card Manufactures

with Zwipe, HID , Sentry, Enqura, Hash Wallet, Enfuse, IDEMIA, Civix. Toshiba, Goldpac,


https://www.biometricupdate.com/202304/digital-wallets-present-biometrics-providers-with-another-potential-next-big-thing

Hva slags relevans for Idex?

Må alle disse ha et kort i tillegg til telefon annet enn krypto/ cold Wallet ?

Isåfall blir det ganske mye mer enn 10 millioner kort som gjør Idex «very profitable»🐤

At uttrykkene ketchupeffekt og ingen bekymring forstås bedre hos Idex kan derfor forklares bedre for de tvilende og mindre begravde 🐤

Idex har jo sikret seg med I p og patenter så vanskelig å komme utenom Idex i mange av kommende cold wallets

Får de 1% av markedet til sine kunder er det jackpot. Dvs ca 0,33% markedsandel av alle bankkort pr år🐤(10 mill kort). Så har vi access kort i tillegg….. spennende å se og høre 28.5…..India er skritt nærmere? Tyrkia ruller ut? England? USA? Japan? Kina? Russland? Norden?

Det är bra att läsa Idex Nasdaq version av årsrapporten, särskilt de första 35 sidorna.