In today’s modern world, over 2 billion people around the globe remain unbanked, with a skewed distribution concentrated in Latin America, Sub-Saharan Africa and Southeast Asia, with the primary causal factor being poverty; 54% of the unbanked are amongst the poorest 40% of households in developing countries. As financial wealth continues to concentrate towards a minority in North America and Europe, speculatively, we foresee an increase in bank inactivity across the respective regions. Historically, barriers to capital have been relatively high in proportion to wealth and income. Through technological advancements, entry is becoming increasingly more affordable through increased competition by way of the internet, distributed ledger technology and Smart Fund resources.

The FinTech industry has grown exponentially over the last several years. There are over 12,000 FinTech start-ups, worldwide; approximately, 24% of the global population is familiar with blockchain technology. An equity research report issued in March by banking firm, Goldman Sachs, estimated that $4.7 trillion in revenue for financial services firms is at risk of being displaced by new FinTech entrants. Such technological innovation is disrupting the banking sector; namely, cross-border remittance, credit issuance and insurance, across retail and commercial sectors. Increasingly more people around the world are adopting nomadic tendencies; the globe is being localised through advancements in science and technology. Resultantly, traditional methods of banking are becoming increasingly more limited – banking flexibility is becoming a modern necessity.

New era

The Boston Consulting Group Matrix has identified the growing FinTech sector as ‘Problem Child’ – high growth prospects with limited market share; huge cash generation with greater expenditure. Given the exponential growth, the prospect of becoming a ‘Star’ is plausible, capturing a significant market share. Heavy investment by the sector, to catapult growth, has been made in areas of infrastructure, compliance and customer acquisition. A high cash burn-rate has preserved the Problem Child status. A risk-off cycle has further-catalysed a cash crunch, opening an opportunity to find positive synergies with the DeFi sector through developments in mobile applications, brand identity, protocols and GUI platforms.


Decentralised Finance relies on blockchain technology. Decentralised regulation, whitelisting functionality and Smart-Contract utility are some of the key features that a decentralised ledger offers, which enables process automation, opening an avenue to minimise compliance costs. Such utility would catapult the sector from a Problem Child to a Star. Simplicity, automated compliance and profitability would open the doors to mass adoption. Such a collaboration would give rise revolutionary products and services, attracting profitability. As things stand, blockchain lacks users, a mass-appropriate UI/UX interface and global branding. Moreover, an array of media-criticised narratives have birthed sceptical sentiments, in addition to which, regulatory compliance remains in its infancy. The above-described collaboration between the two sectors would find significantly positive synergies through the counterweight of respective strengths. This opens the market for Davoa Capital – a performance-driven investment fund.

Mergers and acquisitions between FinTech and DeFi sectors are economically inevitable. Davoa Capital identifies and recognises the value in such prospects; the project seeks to lay the foundations with a view to capitalise on such partnerships by way of income generation through plug and play services and market penetration for FinTechs and DeFi protocols, respectively. Davoa Capital is well-connected with economically-active regions of Latin America, Southeast Asia and West Africa. Through targeted marketing and execution of product-market fit strategies, Davoa Capital will connect DeFi protocols with FinTech industries, creating a revenue path. Specifically, Davoa Capital will strategize to focus on the following:

  • FinTech equity
  • DeFi projects
  • Underlying protocol

In slowing economies, the circulation speed of goods and services needs to increase to catalyse the flow of currency; by extension, in such localities, asset securitization and cryptocurrency tokenization is inevitable; consequently, this will lead to greater adoption and utilisation of synthetic assets and currencies. This will open a market for protocols and platforms to support adoption. Davoa confidently speculates that Neobank 3.0 will be dominated by the following:

  • Cryptocurrency exchange platforms that extend financial services, e.g., Binance
  • Technology giants that aim to monetize their userbase, e.g., Facebook
  • FinTech/DeFi platforms and applications that offer an array of financial products and services


Davoa is seeking a capital injection to realize the discussed ambitions. The project seeking an investor, with whom Davoa can add meat to the bones of the operational strategy through collaboration with a view to drive performance and create value, financial and non- financial.