Blockchain and DLT research, education and consultancy
With hiveonline, organisations can learn to shape strategies and technology to meet the transformational demands of the emerging distributed economy.
Sofie Blakstad, hiveonline’s CEO, is a respected authority on blockchain and digital assets, economics and development economics and leads a team with broad technical, statistical and economic knowledge. hiveonline also collaborates with a large network of research institutions and thought leaders across the emerging fintech, humanitarian innovation and impact technology sectors. Sofie chairs the Edinburgh Futures Institute’s FI and Fintech Industry Advisory Panel.
Fundamental to hiveonline’s approach and technology is our deep research into economic and social impact of emerging technology and our core expertise on blockchain. We share this learning through our research and outreach activities, helping global organisations understand and lead with the rapidly evolving technology.
- Organisational assessment
- Business opportunities
- Product set fit
- Disruption risk profiling
- Deep dive product assessment
- CBDCs and Stablecoins
- Blockchain and Securities
- Digital Assets in-depth
- Economic implications of fintech disruption
- Blockchain for Good
- Beyond Bitcoin: Decentralised Finance
Contact us to find out how we can help your organisation be a leader in tomorrow’s distributed economy.
The Next Generation Humanitarian Distributed Platform
Sofie Blakstad, Charlotte Melkun and Ric Shreves (Red Cross/Mercy Corps, 2020)
Sofie Blakstad with hiveonline researcher Charlotte Melkun and Mercy Corps’ Head of Innovation Ric Shreves present the current state of play for blockchain and DLT projects in the humanitarian sector, with analysis and recommendations for how the sector can evolve the technology to maximise its impact for the most vulnerable people.
UNDP/UNCDF Papers on Big Fintech’s impact on the least developed countries
Katherine Foster, Sofie Blakstad, Martijn Bos, Sangita Gazi, Charlotte Melkun and Becky Shapiro
hiveonline researchers provided expert knowledge and core arguments to three key papers published by the UN to help shape the global dialog on regulation for big Fintech companies. Now every big tech company is becoming a Fintech, what are the implications for the least developed countries? How will emerging value systems impact their people, environments and economies? Download the papers here:
- Technical Paper 1.1: BigFintechs and their impacts on sustainable development
- Technical Paper 1.1: Annexes 1-6
- Technical Paper 1.1B: BigFintechs and their impacts on macroeconomic policies
- Technical Paper 1.2: Digital currencies and CBDC impacts on Least Developed Countries
Sustainable Digital Finance in Asia
Ryan K. Merrill and Simon JD Schillebeeckx with Sofie Blakstad (DBS/Sustainable Digital Finance Alliance, 2018)
hiveonline has been supporting the Sustainable Digital Finance Alliance since early 2017 with expert advice and research on applications of fintech to unlocking sustainable finance, including novel investment instruments, capital markets innovation and technical approaches to natural capital accounting.
Latif Amars and Sofie Blakstad
Village Savings and Loans Associations (VSLAs) are an enabler of financial inclusion in developing economies and especially women. These groups meet and invest regular amounts into a community fund. Villagers can apply to the VSLA for loans and hardship grants. Through the community approach, individuals can leverage the power of the group to minimize risk and increase their collective wealth and impact. Download the paper here.
Microfinance Institutions (MFIs) today lend money to one of every ten people on the planet, the average interest rate charged is 40%, partly because of the very high cost of administration and risk of default, but also because their customers have no alternatives.
Unbanked micro-businesses in developing economies don’t have access to traditional financial services and often lack formal ID, leaving them unable to access loans from banks, and subject to exploitation from local lenders. Download the paper here
The issuance of green bonds is subject to a complex validation process which disincentivizes organisations from issuing them, and results in limited availability for investors. Blockchain technology offers an opportunity to add transparency and confidence to green bonds, by defining and measuring criteria associated with sustainability that have traditionally required significant administrative effort to measure, in a transparent and low-
administration way. Download the paper here
Scaling Green Finance
Appetite for green investments is growing rapidly with increasing public awareness of global warming, population growth, and increasing pressure on natural resources.
The OECD estimates that the annual low-carbon investment needs of China, Japan, EU, and US will be 2.6 trillion USD by 2035. The 2015 annual green bond issuance was only 40 bn USD with demand outstripping supply due to the cost of issuance and provenance administration, lack of confidence in and the lack of commonly accepted standards.
Download the paper here
Aid Pipeline Management
Aid for disaster relief and longer-term development programmes attracts significant investment from governments, businesses and private individuals, but faces a huge logistical and reputational challenge. Typical aid donation scenarios involve a donation in one currency, which is converted to a second currency by the global NGO distributing the aid, then another currency in-country and possibly further conversions as global distributors are used to support
the emergency. Download the paper here