By leveraging the open and flexible nature of blockchain technology and the reassurance of centralised banking regulation, we aim to carve out a unique niche by inventing we’re calling Just-Centralised-Enough (JCE) finance, wherein we maintain a balance between central control and decentralisation. It will allow us to  avoid the instability inherent to the crypto-sphere as well as the inefficiency of the traditional finance world. Through the quirks of blockchain technology, we can offer fully functional bank accounts, blockchain wallets, asset management, payment processing and trading services with virtually zero overheads, vastly streamlining our services. With this innovative business structure, we’d be able to scale this to become a truly global bank, allowing for staggeringly low-cost international movement of money.

We intend to offer a range of alternative financial services, including, but not limited to:

• Digital streamlined Fiat banking and crypto wallet services

• Tokenised asset and stock trading (Formal and informal markets)

• Low-cost B2B, B2C, C2B, and C2C payment processing

• Built-in consumer accounting and budgeting services

• SMB and Large business accounts with crypto payment support

Crypto Payments are a key element of our business. We intend to create a truly global payments network for both consumers and businesses. A world where your credit card details can’t be stolen, and you can use anything, Fiat or crypto, to pay for anything, anywhere. Through certifying partner validators, we’re able to achieve a near-zero overhead and potentially carbon-neutral blockchain. And with an online banking platform available on a variety of devices, as well as physical cards and e-commerce support, we aim to break the monotony in the current payments industry.

We happen to be uniquely suited to the task, with our core team being composed of people from across generations and walks of life, including Gen Z, who represent the future of the banking industry and banked individuals. We also have a highly diverse and international team, with roots in every continent in the world (except maybe Antarctica), giving us the requisite firsthand experience to thrive in any market and achieve a truly global system, which in turn allows us to simplify and streamline the youth into the fast, complex and new paradigm that is the crypto space.

The story of our conception is one of opportunities, both lost and recognised; In 2014, Founder & CEO Daniyal Nizami recognised a key issue in his home country of Pakistan; A primarily cash-based society, most people lacked a safe and secure way to store their money. This was the same year HSBC Bank exited Pakistan & the year blockchain technology first came into the mainstream consciousness, an investment opportunity he lost due to the nonexistent secure ways to buy cryptocurrency in Pakistan. Further Inspired by a project he learned of while interning at the MDF Australia in Pakistan, which allowed rural Pakistanis access to SMS banking services, he, along with Jackson Bardsley, Head of Statistics at the New Jersey-based Black Fund as well as Felix Shum, an Economics and Computer Science student at the University of Toronto, founded BLINCK. BLINCK promises to leverage new technology to help bring the tools necessary to achieve financial freedom for any demographic across the world.