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A Widow, A Laptop, and $190 Million: What's Going on With QuadrigaCX?

Wednesday, 06/02/2019 | 10:30 GMT by Rachel McIntosh
  • Canadian crypto exchange QuadrigaCX has left thousands of users without their money. What is the truth?
A Widow, A Laptop, and $190 Million: What's Going on With QuadrigaCX?
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If you’re news-savvy, into cryptocurrency, or just Canadian, chances are that the word “QuadrigaCX” has come across your radar sometime within the last week.

The Vancouver-based exchange has grabbed headlines across the world for what has become a rather messy and wild tale. The story has it all--death, money, possible deception, and lots of conspiracy theories.

Now, as much as $190 million is at large, and at least 90,000 frustrated users have been unable to withdraw their funds from the exchange for weeks--some of them for months.

The exchange’s troubles reached a boiling point last week when the exchange went completely offline. The entire QuadrigaCX website was replaced with an announcement that the exchange had filed for “credit protection” (in other words, bankruptcy) with the Nova Scotia Supreme Court.

The request was granted on February 5. Justice Michael Wood also granted QuadringaCX a 30-day stay of proceedings to temporarily shield the exchange from the wave of lawsuits that will inevitably come its way. Additionally, multinational professional services firm Ernst & Young (EY) was appointed as a third-party monitor for QuadrigaCX as part of the ruling.

How did things get to this point? Let’s start at the beginning.

Troubles Began Early Last Year

QuadringaCX’ troubles started in early 2018 when the CIBC (Canadian Imperial Bank of Commerce) suddenly froze a number of accounts opened by the exchange’s payment processors, Costodian Inc. and Billerfly Labs, two companies owned by one Jose Reyes.

Prior to the freeze, the payment processors were an integral part of the exchange’s operations. Customers of the exchange were required to “send money to the company through one of several channels, such as a bank draft, wire or Interac e-transfer. Some of those deposits landed in Costodian’s accounts at CIBC,” the Globe and Mail reported. “Once the money [was] received, Quadriga credits the depositor’s account with Quadriga Bucks, units that can be used to buy cryptocurrencies.”

388 customers were affected by the freeze; the funds in the affected accounts amounted to the equivalent of US$21.6 million. At the time, CIBC claimed that the freeze was the result of confusion over who owned the money in the accounts.

The funds were finally released in December of 2018. “Payments will resume when the banks fully reopen on December 27th,” said a tweet from the company on December 25th.

However, several weeks after the funds were unfrozen, little progress had been made on returning them to users.”Yesterday, our team waited for confirmation that all the queued payments have been processed but there is yet another delay,” QuadrigaCX announced in a January 9th statement on Reddit. “Mid-afternoon, BMO, the bank where the drafts were deposited, told us that the money was being held a bit longer for its compliance department to give the go-ahead.”

On Tuesday, January 15th, QuadrigaCX’ interim president and CEO Aaron Matthews emailed users saying that the exchange’s team was “actively working on having the funds deposited and distributed.”

“While we don’t have a specific update pertaining to this situation, our goal was to resolve this issue within the next two weeks and we remain committed to that goal,”

However, as the payments saga continued to unfold, QuadringaCX became embroiled in a much more serious (and much more unusual) controversy.

QuadrigaCX CEO Gerald Cotten Died December 9th, Bringing Cold Wallet Passwords to the Grave With Him

On January 14th, QuadrigaCX announced that its 30-year-old CEO, Gerald Cotten, had passed away on December 9th. “Please see our statement regarding the sudden passing of our @QuadrigaCoinEx founder and CEO, Gerry Cotten,” the exchange tweeted.

The statement, which has since been removed from the exchange’s website, claimed that Cotten died from complications related to Crohn’s disease in Jaipur, India, where he was allegedly working on building an orphanage.

Cotten's passing was later confirmed by a death certificate issued by the Government of Rajasthan dated December 9 and a statement of death by J.A. Snow Funeral Home in Halifax dated December 12. Prior to the releases of the certificate and statement, a spokesperson for Global Affairs Canada (the Canadian government organization that manages diplomatic relations), confirmed that a Canadian had recently died in India, but did not name Cotten specifically.

“Gerry’s death was a shock to all of us and we are deeply saddened by his passing,” the statement says. “One of Gerry’s many accomplishments was his ability to build a highly capable and successful management team, which will continue his legacy.” The statement also named Aaron Matthews, the exchange’s former Head of Operations, as interim President and CEO.

However, Matthews and the remaining staff have had their hands tied when it comes to running any of the exchange’s operations. The reason? A large portion of the exchange’s cryptocurrency reserves is locked inside of “cold wallets”--unhackable offline storage units--that are only accessible by Cotten himself.

"With a cold storage wallet, it's completely offline. It's not connected to the servers or the infrastructure set up by the exchange,” QuadrigaCX customer Elvis Cavalic told CBC's As It Happens. “It's usually a physical device that you would plug into a computer and requires a button to be pressed and it might need a password."

Jennifer Robertson explained in an affidavit that “the laptop computer from which Gerry carried out the company’s business is encrypted and I do not know the password or recovery key. Despite repeated and diligent searches, I have not been able to find them written down anywhere.”

She went onto explain that the majority of the funds were kept offline in cold wallets to prevent large-scale theft from online “hot” wallets. “Transfers from the cold wallet to the hot wallet would occur when the hot wallet was running low and withdrawals were being sent to users. The transfer of coins from the cold wallet to the hot wallet was performed manually by Gerry,” she said.

Jennifer Robertson Affidavit by on Scribd

The message currently posted on QuadrigaCX’ website also claims that despite efforts to regain access to the exchange’s offline liquidity pools, the future looks grim: “For the past weeks, we have worked extensively to address our liquidity issues, which include attempting to locate and secure our very significant cryptocurrency reserves held in cold wallets, and that are required to satisfy customer cryptocurrency balances on deposit."

"Unfortunately, these efforts have not been successful,” the announcement read.

Frustration and Uncertainty

Jennifer Robertson has allegedly already hired one security expert who is attempting to glean any relevant information from the laptop where Cotten is said to have kept the keys to QuadrigaCX’ reserves. The CBC reported that the laptop will be handed over to lawyers who represent creditors, and will “eventually [be] given to a court-appointed monitor.”

However, if efforts to regain access to the funds are unsuccessful, there’s a good chance that affected users could never see a penny of the money they’ve lost. The losses aren’t insignificant, either; some users have more than $1 million in assets locked inside the exchange.

The Air is Rife With Conspiracy Theories

The frustration and confusion surrounding Cotten’s passing and the exchange’s insolvency have given way to an angry backlash against Robertson and the exchange, as well as a flurry of conspiracy theories.

One such theory proposes that Cotten’s death was faked as a way to hide the fact that the exchange is insolvent.

The theory is difficult to disprove because such a significant portion of the exchange’s assets are allegedly stored in cryptocurrency. A number of Blockchain analysts who have taken a special interest in the case have released inconclusive statements about whether or not the exchange can be proven as solvent.

Taylor Monahan, Founder and CEO of open-source blockchain interface MyCrypto, tweeted that according to her findings, the exchange does not possess enough Ethereum to be liquid.

Other factors fueling the theory include the fact that the exchange waited nearly a month to publicly disclose its former CEO’s death, and that the death coincided with the alleged end of the exchange’s CIBC troubles.

What’s even more suspicious is that Cotten is said to have legally altered his will 12 days before his death.

“The exchange founder’s will outlines numerous assets he held, including several properties in Nova Scotia and in Kelowna, British Columbia, a 2017 Lexus, an airplane, a Jeanneau 51 yacht and his pet chihuahuas, Nitro and Gully,” Bloomberg reported. “He also left his frequent flier points and reward points to Robertson. He held accounts with Bank of Montreal and Canadian Tire.”

Additionally, Gerald Cotten’s LinkedIn account has been deactivated, and the exchange’s alleged interim CEO and President Aaron Matthews has almost zero online presence.

Card

Rumours have also spread that the exchange’s co-founder Michael Patryn may in fact be Omar Dhahani, an individual with a criminal record rife with scams and fraud. Previously, Dahani used the moniker ‘Omar Patryn’ in a forfeiture case. ‘Omar Patryn’ was also one of the names Dahani used to start a fraudulent company called the Midas Gold Exchange.

Previously, QuadringaCX claimed that Michael Patryn exited the company years ago.

There Is Not Conclusion--Yet

Of course, these theories are nothing more than conjecture at this point in time. The tale is complicated, and its conclusion still seems to be far away in the future.

Until then, we can hope that the truth--whatever it is--will become clear.

This is a developing story. Finance Magnates will continue to progressively report on any developments. In the meantime, please comment with your thoughts and insights below--we’d love to hear from you.

If you’re news-savvy, into cryptocurrency, or just Canadian, chances are that the word “QuadrigaCX” has come across your radar sometime within the last week.

The Vancouver-based exchange has grabbed headlines across the world for what has become a rather messy and wild tale. The story has it all--death, money, possible deception, and lots of conspiracy theories.

Now, as much as $190 million is at large, and at least 90,000 frustrated users have been unable to withdraw their funds from the exchange for weeks--some of them for months.

The exchange’s troubles reached a boiling point last week when the exchange went completely offline. The entire QuadrigaCX website was replaced with an announcement that the exchange had filed for “credit protection” (in other words, bankruptcy) with the Nova Scotia Supreme Court.

The request was granted on February 5. Justice Michael Wood also granted QuadringaCX a 30-day stay of proceedings to temporarily shield the exchange from the wave of lawsuits that will inevitably come its way. Additionally, multinational professional services firm Ernst & Young (EY) was appointed as a third-party monitor for QuadrigaCX as part of the ruling.

How did things get to this point? Let’s start at the beginning.

Troubles Began Early Last Year

QuadringaCX’ troubles started in early 2018 when the CIBC (Canadian Imperial Bank of Commerce) suddenly froze a number of accounts opened by the exchange’s payment processors, Costodian Inc. and Billerfly Labs, two companies owned by one Jose Reyes.

Prior to the freeze, the payment processors were an integral part of the exchange’s operations. Customers of the exchange were required to “send money to the company through one of several channels, such as a bank draft, wire or Interac e-transfer. Some of those deposits landed in Costodian’s accounts at CIBC,” the Globe and Mail reported. “Once the money [was] received, Quadriga credits the depositor’s account with Quadriga Bucks, units that can be used to buy cryptocurrencies.”

388 customers were affected by the freeze; the funds in the affected accounts amounted to the equivalent of US$21.6 million. At the time, CIBC claimed that the freeze was the result of confusion over who owned the money in the accounts.

The funds were finally released in December of 2018. “Payments will resume when the banks fully reopen on December 27th,” said a tweet from the company on December 25th.

However, several weeks after the funds were unfrozen, little progress had been made on returning them to users.”Yesterday, our team waited for confirmation that all the queued payments have been processed but there is yet another delay,” QuadrigaCX announced in a January 9th statement on Reddit. “Mid-afternoon, BMO, the bank where the drafts were deposited, told us that the money was being held a bit longer for its compliance department to give the go-ahead.”

On Tuesday, January 15th, QuadrigaCX’ interim president and CEO Aaron Matthews emailed users saying that the exchange’s team was “actively working on having the funds deposited and distributed.”

“While we don’t have a specific update pertaining to this situation, our goal was to resolve this issue within the next two weeks and we remain committed to that goal,”

However, as the payments saga continued to unfold, QuadringaCX became embroiled in a much more serious (and much more unusual) controversy.

QuadrigaCX CEO Gerald Cotten Died December 9th, Bringing Cold Wallet Passwords to the Grave With Him

On January 14th, QuadrigaCX announced that its 30-year-old CEO, Gerald Cotten, had passed away on December 9th. “Please see our statement regarding the sudden passing of our @QuadrigaCoinEx founder and CEO, Gerry Cotten,” the exchange tweeted.

The statement, which has since been removed from the exchange’s website, claimed that Cotten died from complications related to Crohn’s disease in Jaipur, India, where he was allegedly working on building an orphanage.

Cotten's passing was later confirmed by a death certificate issued by the Government of Rajasthan dated December 9 and a statement of death by J.A. Snow Funeral Home in Halifax dated December 12. Prior to the releases of the certificate and statement, a spokesperson for Global Affairs Canada (the Canadian government organization that manages diplomatic relations), confirmed that a Canadian had recently died in India, but did not name Cotten specifically.

“Gerry’s death was a shock to all of us and we are deeply saddened by his passing,” the statement says. “One of Gerry’s many accomplishments was his ability to build a highly capable and successful management team, which will continue his legacy.” The statement also named Aaron Matthews, the exchange’s former Head of Operations, as interim President and CEO.

However, Matthews and the remaining staff have had their hands tied when it comes to running any of the exchange’s operations. The reason? A large portion of the exchange’s cryptocurrency reserves is locked inside of “cold wallets”--unhackable offline storage units--that are only accessible by Cotten himself.

"With a cold storage wallet, it's completely offline. It's not connected to the servers or the infrastructure set up by the exchange,” QuadrigaCX customer Elvis Cavalic told CBC's As It Happens. “It's usually a physical device that you would plug into a computer and requires a button to be pressed and it might need a password."

Jennifer Robertson explained in an affidavit that “the laptop computer from which Gerry carried out the company’s business is encrypted and I do not know the password or recovery key. Despite repeated and diligent searches, I have not been able to find them written down anywhere.”

She went onto explain that the majority of the funds were kept offline in cold wallets to prevent large-scale theft from online “hot” wallets. “Transfers from the cold wallet to the hot wallet would occur when the hot wallet was running low and withdrawals were being sent to users. The transfer of coins from the cold wallet to the hot wallet was performed manually by Gerry,” she said.

Jennifer Robertson Affidavit by on Scribd

The message currently posted on QuadrigaCX’ website also claims that despite efforts to regain access to the exchange’s offline liquidity pools, the future looks grim: “For the past weeks, we have worked extensively to address our liquidity issues, which include attempting to locate and secure our very significant cryptocurrency reserves held in cold wallets, and that are required to satisfy customer cryptocurrency balances on deposit."

"Unfortunately, these efforts have not been successful,” the announcement read.

Frustration and Uncertainty

Jennifer Robertson has allegedly already hired one security expert who is attempting to glean any relevant information from the laptop where Cotten is said to have kept the keys to QuadrigaCX’ reserves. The CBC reported that the laptop will be handed over to lawyers who represent creditors, and will “eventually [be] given to a court-appointed monitor.”

However, if efforts to regain access to the funds are unsuccessful, there’s a good chance that affected users could never see a penny of the money they’ve lost. The losses aren’t insignificant, either; some users have more than $1 million in assets locked inside the exchange.

The Air is Rife With Conspiracy Theories

The frustration and confusion surrounding Cotten’s passing and the exchange’s insolvency have given way to an angry backlash against Robertson and the exchange, as well as a flurry of conspiracy theories.

One such theory proposes that Cotten’s death was faked as a way to hide the fact that the exchange is insolvent.

The theory is difficult to disprove because such a significant portion of the exchange’s assets are allegedly stored in cryptocurrency. A number of Blockchain analysts who have taken a special interest in the case have released inconclusive statements about whether or not the exchange can be proven as solvent.

Taylor Monahan, Founder and CEO of open-source blockchain interface MyCrypto, tweeted that according to her findings, the exchange does not possess enough Ethereum to be liquid.

Other factors fueling the theory include the fact that the exchange waited nearly a month to publicly disclose its former CEO’s death, and that the death coincided with the alleged end of the exchange’s CIBC troubles.

What’s even more suspicious is that Cotten is said to have legally altered his will 12 days before his death.

“The exchange founder’s will outlines numerous assets he held, including several properties in Nova Scotia and in Kelowna, British Columbia, a 2017 Lexus, an airplane, a Jeanneau 51 yacht and his pet chihuahuas, Nitro and Gully,” Bloomberg reported. “He also left his frequent flier points and reward points to Robertson. He held accounts with Bank of Montreal and Canadian Tire.”

Additionally, Gerald Cotten’s LinkedIn account has been deactivated, and the exchange’s alleged interim CEO and President Aaron Matthews has almost zero online presence.

Card

Rumours have also spread that the exchange’s co-founder Michael Patryn may in fact be Omar Dhahani, an individual with a criminal record rife with scams and fraud. Previously, Dahani used the moniker ‘Omar Patryn’ in a forfeiture case. ‘Omar Patryn’ was also one of the names Dahani used to start a fraudulent company called the Midas Gold Exchange.

Previously, QuadringaCX claimed that Michael Patryn exited the company years ago.

There Is Not Conclusion--Yet

Of course, these theories are nothing more than conjecture at this point in time. The tale is complicated, and its conclusion still seems to be far away in the future.

Until then, we can hope that the truth--whatever it is--will become clear.

This is a developing story. Finance Magnates will continue to progressively report on any developments. In the meantime, please comment with your thoughts and insights below--we’d love to hear from you.

Topics
exit scam
crypto
bitcoin-exchange
blockchain
canada
About the Author: Rachel McIntosh
Rachel McIntosh
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About the Author: Rachel McIntosh
Rachel is a self-taught crypto geek and a passionate writer. She believes in the power that the written word has to educate, connect and empower individuals to make positive and powerful financial choices. She is the Podcast Host and a Cryptocurrency Editor at Finance Magnates.
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    Educators, IBs, And Other Regional Growth Drivers

    Educators, IBs, And Other Regional Growth Drivers

    When acquisition costs rise and AI generated reviews are exactly as useful as they sound, performing and fair partners can make or break brokers. This session looks at how these players are shaping access, trust and user engagement, and what the most effective partnership models look like in 2025. Key Themes: - Building trader communities through education and local expertise - Aligning broker incentives with long-term regional strategies - Regional regulation and the realities of compliant acquisition - What’s next for performance-driven partnerships in online trading Speakers: -Adam Button, Chief Currency Analyst at investingLive -Zander Van Der Merwe, Key Individual & Head of Sales at TD Markets -Brunno Huertas, Regional Manager – Latin America at Tickmill -Paul Chalmers, CEO at UK Trading Academy #fmls #fmls25 #fmevents #Brokers #FinanceLeadership #Trading #Fintech #BrokerGrowth #FintechPartnerships #RegionalMarkets Connect with us at: 🔗 LinkedIn: / financemagnates-events 👍 Facebook: / financemagnatesevents 📸 Instagram: / fmevents_official 🐦 Twitter: / f_m_events 🎥 TikTok: / fmevents_official

    When acquisition costs rise and AI generated reviews are exactly as useful as they sound, performing and fair partners can make or break brokers. This session looks at how these players are shaping access, trust and user engagement, and what the most effective partnership models look like in 2025. Key Themes: - Building trader communities through education and local expertise - Aligning broker incentives with long-term regional strategies - Regional regulation and the realities of compliant acquisition - What’s next for performance-driven partnerships in online trading Speakers: -Adam Button, Chief Currency Analyst at investingLive -Zander Van Der Merwe, Key Individual & Head of Sales at TD Markets -Brunno Huertas, Regional Manager – Latin America at Tickmill -Paul Chalmers, CEO at UK Trading Academy #fmls #fmls25 #fmevents #Brokers #FinanceLeadership #Trading #Fintech #BrokerGrowth #FintechPartnerships #RegionalMarkets Connect with us at: 🔗 LinkedIn: / financemagnates-events 👍 Facebook: / financemagnatesevents 📸 Instagram: / fmevents_official 🐦 Twitter: / f_m_events 🎥 TikTok: / fmevents_official

    When acquisition costs rise and AI generated reviews are exactly as useful as they sound, performing and fair partners can make or break brokers. This session looks at how these players are shaping access, trust and user engagement, and what the most effective partnership models look like in 2025. Key Themes: - Building trader communities through education and local expertise - Aligning broker incentives with long-term regional strategies - Regional regulation and the realities of compliant acquisition - What’s next for performance-driven partnerships in online trading Speakers: -Adam Button, Chief Currency Analyst at investingLive -Zander Van Der Merwe, Key Individual & Head of Sales at TD Markets -Brunno Huertas, Regional Manager – Latin America at Tickmill -Paul Chalmers, CEO at UK Trading Academy #fmls #fmls25 #fmevents #Brokers #FinanceLeadership #Trading #Fintech #BrokerGrowth #FintechPartnerships #RegionalMarkets Connect with us at: 🔗 LinkedIn: / financemagnates-events 👍 Facebook: / financemagnatesevents 📸 Instagram: / fmevents_official 🐦 Twitter: / f_m_events 🎥 TikTok: / fmevents_official

    When acquisition costs rise and AI generated reviews are exactly as useful as they sound, performing and fair partners can make or break brokers. This session looks at how these players are shaping access, trust and user engagement, and what the most effective partnership models look like in 2025. Key Themes: - Building trader communities through education and local expertise - Aligning broker incentives with long-term regional strategies - Regional regulation and the realities of compliant acquisition - What’s next for performance-driven partnerships in online trading Speakers: -Adam Button, Chief Currency Analyst at investingLive -Zander Van Der Merwe, Key Individual & Head of Sales at TD Markets -Brunno Huertas, Regional Manager – Latin America at Tickmill -Paul Chalmers, CEO at UK Trading Academy #fmls #fmls25 #fmevents #Brokers #FinanceLeadership #Trading #Fintech #BrokerGrowth #FintechPartnerships #RegionalMarkets Connect with us at: 🔗 LinkedIn: / financemagnates-events 👍 Facebook: / financemagnatesevents 📸 Instagram: / fmevents_official 🐦 Twitter: / f_m_events 🎥 TikTok: / fmevents_official

    When acquisition costs rise and AI generated reviews are exactly as useful as they sound, performing and fair partners can make or break brokers. This session looks at how these players are shaping access, trust and user engagement, and what the most effective partnership models look like in 2025. Key Themes: - Building trader communities through education and local expertise - Aligning broker incentives with long-term regional strategies - Regional regulation and the realities of compliant acquisition - What’s next for performance-driven partnerships in online trading Speakers: -Adam Button, Chief Currency Analyst at investingLive -Zander Van Der Merwe, Key Individual & Head of Sales at TD Markets -Brunno Huertas, Regional Manager – Latin America at Tickmill -Paul Chalmers, CEO at UK Trading Academy #fmls #fmls25 #fmevents #Brokers #FinanceLeadership #Trading #Fintech #BrokerGrowth #FintechPartnerships #RegionalMarkets Connect with us at: 🔗 LinkedIn: / financemagnates-events 👍 Facebook: / financemagnatesevents 📸 Instagram: / fmevents_official 🐦 Twitter: / f_m_events 🎥 TikTok: / fmevents_official

    When acquisition costs rise and AI generated reviews are exactly as useful as they sound, performing and fair partners can make or break brokers. This session looks at how these players are shaping access, trust and user engagement, and what the most effective partnership models look like in 2025. Key Themes: - Building trader communities through education and local expertise - Aligning broker incentives with long-term regional strategies - Regional regulation and the realities of compliant acquisition - What’s next for performance-driven partnerships in online trading Speakers: -Adam Button, Chief Currency Analyst at investingLive -Zander Van Der Merwe, Key Individual & Head of Sales at TD Markets -Brunno Huertas, Regional Manager – Latin America at Tickmill -Paul Chalmers, CEO at UK Trading Academy #fmls #fmls25 #fmevents #Brokers #FinanceLeadership #Trading #Fintech #BrokerGrowth #FintechPartnerships #RegionalMarkets Connect with us at: 🔗 LinkedIn: / financemagnates-events 👍 Facebook: / financemagnatesevents 📸 Instagram: / fmevents_official 🐦 Twitter: / f_m_events 🎥 TikTok: / fmevents_official

  • The Leap to Everything App: Are Brokers There Yet?

    The Leap to Everything App: Are Brokers There Yet?

    The Leap to Everything App: Are Brokers There Yet?

    The Leap to Everything App: Are Brokers There Yet?

    The Leap to Everything App: Are Brokers There Yet?

    The Leap to Everything App: Are Brokers There Yet?

    As the arms race to bundle investing, personal finance, and wallets under super apps grows fiercer, brokers are caught between a rock and a hard place. This session explores unexpected ways for industry players to collaborate as consumer habits evolve, competitors eye the traffic, and regulation becomes more nuanced. Speakers: -Laura McCracken,CEO | Advisory Board Member at Blackheath Advisors | The Payments Association -Slobodan Manojlović,Vice President | Lead Software Engineer at JP Morgan Chase & Co. -Jordan Sinclair, President at Robinhood UK -Simon Pelletier, Head of Product at Yuh Gerald Perez, CEO at Interactive Brokers UK #fmls #fmls25 #fmevents #Brokers #FinanceLeadership #Trading #Fintech #Innovation Connect with us at: 🔗 LinkedIn: / financemagnates-events 👍 Facebook: / financemagnatesevents 📸 Instagram: / fmevents_official 🐦 Twitter: / f_m_events 🎥 TikTok: / fmevents_official

    As the arms race to bundle investing, personal finance, and wallets under super apps grows fiercer, brokers are caught between a rock and a hard place. This session explores unexpected ways for industry players to collaborate as consumer habits evolve, competitors eye the traffic, and regulation becomes more nuanced. Speakers: -Laura McCracken,CEO | Advisory Board Member at Blackheath Advisors | The Payments Association -Slobodan Manojlović,Vice President | Lead Software Engineer at JP Morgan Chase & Co. -Jordan Sinclair, President at Robinhood UK -Simon Pelletier, Head of Product at Yuh Gerald Perez, CEO at Interactive Brokers UK #fmls #fmls25 #fmevents #Brokers #FinanceLeadership #Trading #Fintech #Innovation Connect with us at: 🔗 LinkedIn: / financemagnates-events 👍 Facebook: / financemagnatesevents 📸 Instagram: / fmevents_official 🐦 Twitter: / f_m_events 🎥 TikTok: / fmevents_official

    As the arms race to bundle investing, personal finance, and wallets under super apps grows fiercer, brokers are caught between a rock and a hard place. This session explores unexpected ways for industry players to collaborate as consumer habits evolve, competitors eye the traffic, and regulation becomes more nuanced. Speakers: -Laura McCracken,CEO | Advisory Board Member at Blackheath Advisors | The Payments Association -Slobodan Manojlović,Vice President | Lead Software Engineer at JP Morgan Chase & Co. -Jordan Sinclair, President at Robinhood UK -Simon Pelletier, Head of Product at Yuh Gerald Perez, CEO at Interactive Brokers UK #fmls #fmls25 #fmevents #Brokers #FinanceLeadership #Trading #Fintech #Innovation Connect with us at: 🔗 LinkedIn: / financemagnates-events 👍 Facebook: / financemagnatesevents 📸 Instagram: / fmevents_official 🐦 Twitter: / f_m_events 🎥 TikTok: / fmevents_official

    As the arms race to bundle investing, personal finance, and wallets under super apps grows fiercer, brokers are caught between a rock and a hard place. This session explores unexpected ways for industry players to collaborate as consumer habits evolve, competitors eye the traffic, and regulation becomes more nuanced. Speakers: -Laura McCracken,CEO | Advisory Board Member at Blackheath Advisors | The Payments Association -Slobodan Manojlović,Vice President | Lead Software Engineer at JP Morgan Chase & Co. -Jordan Sinclair, President at Robinhood UK -Simon Pelletier, Head of Product at Yuh Gerald Perez, CEO at Interactive Brokers UK #fmls #fmls25 #fmevents #Brokers #FinanceLeadership #Trading #Fintech #Innovation Connect with us at: 🔗 LinkedIn: / financemagnates-events 👍 Facebook: / financemagnatesevents 📸 Instagram: / fmevents_official 🐦 Twitter: / f_m_events 🎥 TikTok: / fmevents_official

    As the arms race to bundle investing, personal finance, and wallets under super apps grows fiercer, brokers are caught between a rock and a hard place. This session explores unexpected ways for industry players to collaborate as consumer habits evolve, competitors eye the traffic, and regulation becomes more nuanced. Speakers: -Laura McCracken,CEO | Advisory Board Member at Blackheath Advisors | The Payments Association -Slobodan Manojlović,Vice President | Lead Software Engineer at JP Morgan Chase & Co. -Jordan Sinclair, President at Robinhood UK -Simon Pelletier, Head of Product at Yuh Gerald Perez, CEO at Interactive Brokers UK #fmls #fmls25 #fmevents #Brokers #FinanceLeadership #Trading #Fintech #Innovation Connect with us at: 🔗 LinkedIn: / financemagnates-events 👍 Facebook: / financemagnatesevents 📸 Instagram: / fmevents_official 🐦 Twitter: / f_m_events 🎥 TikTok: / fmevents_official

    As the arms race to bundle investing, personal finance, and wallets under super apps grows fiercer, brokers are caught between a rock and a hard place. This session explores unexpected ways for industry players to collaborate as consumer habits evolve, competitors eye the traffic, and regulation becomes more nuanced. Speakers: -Laura McCracken,CEO | Advisory Board Member at Blackheath Advisors | The Payments Association -Slobodan Manojlović,Vice President | Lead Software Engineer at JP Morgan Chase & Co. -Jordan Sinclair, President at Robinhood UK -Simon Pelletier, Head of Product at Yuh Gerald Perez, CEO at Interactive Brokers UK #fmls #fmls25 #fmevents #Brokers #FinanceLeadership #Trading #Fintech #Innovation Connect with us at: 🔗 LinkedIn: / financemagnates-events 👍 Facebook: / financemagnatesevents 📸 Instagram: / fmevents_official 🐦 Twitter: / f_m_events 🎥 TikTok: / fmevents_official

  • Mind The Gap: Can Retail Investors Save the UK Stock Market?

    Mind The Gap: Can Retail Investors Save the UK Stock Market?

    Mind The Gap: Can Retail Investors Save the UK Stock Market?

    Mind The Gap: Can Retail Investors Save the UK Stock Market?

    Mind The Gap: Can Retail Investors Save the UK Stock Market?

    Mind The Gap: Can Retail Investors Save the UK Stock Market?

    As the dire state of listing and investment in the UK goes from a financial services problem to a national challenge, the retail investing industry is taken to task. Join a host of executives and experts for a candid conversation about the future of millions of Brits, as seen from a financial services standpoint: -Are they happy with the Leeds Reform, in principle and in practice? -Is it the government’s job to affect the ‘saver’ mentality? Is it doing well? -What can brokers and fintechs do to spur UK investment? -How can the FCA balance greater flexibility with consumer protection? Speakers: -Adam Button, Chief Currency Analyst at investingLive -Nicola Higgs, Partner at Latham & Watkins -Dan Lane, Investment Content Lead at Robinhood UK -Jack Crone, PR & Public Affairs Lead at IG -David Belle, Founder at Fink Money #fmls #fmls25 #fmevents #Brokers #FinanceLeadership #Trading #Fintech #RetailInvesting #UKFinance Connect with us at: 🔗 LinkedIn: / financemagnates-events 👍 Facebook: / financemagnatesevents 📸 Instagram: / fmevents_official 🐦 Twitter: / f_m_events 🎥 TikTok: / fmevents_official

    As the dire state of listing and investment in the UK goes from a financial services problem to a national challenge, the retail investing industry is taken to task. Join a host of executives and experts for a candid conversation about the future of millions of Brits, as seen from a financial services standpoint: -Are they happy with the Leeds Reform, in principle and in practice? -Is it the government’s job to affect the ‘saver’ mentality? Is it doing well? -What can brokers and fintechs do to spur UK investment? -How can the FCA balance greater flexibility with consumer protection? Speakers: -Adam Button, Chief Currency Analyst at investingLive -Nicola Higgs, Partner at Latham & Watkins -Dan Lane, Investment Content Lead at Robinhood UK -Jack Crone, PR & Public Affairs Lead at IG -David Belle, Founder at Fink Money #fmls #fmls25 #fmevents #Brokers #FinanceLeadership #Trading #Fintech #RetailInvesting #UKFinance Connect with us at: 🔗 LinkedIn: / financemagnates-events 👍 Facebook: / financemagnatesevents 📸 Instagram: / fmevents_official 🐦 Twitter: / f_m_events 🎥 TikTok: / fmevents_official

    As the dire state of listing and investment in the UK goes from a financial services problem to a national challenge, the retail investing industry is taken to task. Join a host of executives and experts for a candid conversation about the future of millions of Brits, as seen from a financial services standpoint: -Are they happy with the Leeds Reform, in principle and in practice? -Is it the government’s job to affect the ‘saver’ mentality? Is it doing well? -What can brokers and fintechs do to spur UK investment? -How can the FCA balance greater flexibility with consumer protection? Speakers: -Adam Button, Chief Currency Analyst at investingLive -Nicola Higgs, Partner at Latham & Watkins -Dan Lane, Investment Content Lead at Robinhood UK -Jack Crone, PR & Public Affairs Lead at IG -David Belle, Founder at Fink Money #fmls #fmls25 #fmevents #Brokers #FinanceLeadership #Trading #Fintech #RetailInvesting #UKFinance Connect with us at: 🔗 LinkedIn: / financemagnates-events 👍 Facebook: / financemagnatesevents 📸 Instagram: / fmevents_official 🐦 Twitter: / f_m_events 🎥 TikTok: / fmevents_official

    As the dire state of listing and investment in the UK goes from a financial services problem to a national challenge, the retail investing industry is taken to task. Join a host of executives and experts for a candid conversation about the future of millions of Brits, as seen from a financial services standpoint: -Are they happy with the Leeds Reform, in principle and in practice? -Is it the government’s job to affect the ‘saver’ mentality? Is it doing well? -What can brokers and fintechs do to spur UK investment? -How can the FCA balance greater flexibility with consumer protection? Speakers: -Adam Button, Chief Currency Analyst at investingLive -Nicola Higgs, Partner at Latham & Watkins -Dan Lane, Investment Content Lead at Robinhood UK -Jack Crone, PR & Public Affairs Lead at IG -David Belle, Founder at Fink Money #fmls #fmls25 #fmevents #Brokers #FinanceLeadership #Trading #Fintech #RetailInvesting #UKFinance Connect with us at: 🔗 LinkedIn: / financemagnates-events 👍 Facebook: / financemagnatesevents 📸 Instagram: / fmevents_official 🐦 Twitter: / f_m_events 🎥 TikTok: / fmevents_official

    As the dire state of listing and investment in the UK goes from a financial services problem to a national challenge, the retail investing industry is taken to task. Join a host of executives and experts for a candid conversation about the future of millions of Brits, as seen from a financial services standpoint: -Are they happy with the Leeds Reform, in principle and in practice? -Is it the government’s job to affect the ‘saver’ mentality? Is it doing well? -What can brokers and fintechs do to spur UK investment? -How can the FCA balance greater flexibility with consumer protection? Speakers: -Adam Button, Chief Currency Analyst at investingLive -Nicola Higgs, Partner at Latham & Watkins -Dan Lane, Investment Content Lead at Robinhood UK -Jack Crone, PR & Public Affairs Lead at IG -David Belle, Founder at Fink Money #fmls #fmls25 #fmevents #Brokers #FinanceLeadership #Trading #Fintech #RetailInvesting #UKFinance Connect with us at: 🔗 LinkedIn: / financemagnates-events 👍 Facebook: / financemagnatesevents 📸 Instagram: / fmevents_official 🐦 Twitter: / f_m_events 🎥 TikTok: / fmevents_official

    As the dire state of listing and investment in the UK goes from a financial services problem to a national challenge, the retail investing industry is taken to task. Join a host of executives and experts for a candid conversation about the future of millions of Brits, as seen from a financial services standpoint: -Are they happy with the Leeds Reform, in principle and in practice? -Is it the government’s job to affect the ‘saver’ mentality? Is it doing well? -What can brokers and fintechs do to spur UK investment? -How can the FCA balance greater flexibility with consumer protection? Speakers: -Adam Button, Chief Currency Analyst at investingLive -Nicola Higgs, Partner at Latham & Watkins -Dan Lane, Investment Content Lead at Robinhood UK -Jack Crone, PR & Public Affairs Lead at IG -David Belle, Founder at Fink Money #fmls #fmls25 #fmevents #Brokers #FinanceLeadership #Trading #Fintech #RetailInvesting #UKFinance Connect with us at: 🔗 LinkedIn: / financemagnates-events 👍 Facebook: / financemagnatesevents 📸 Instagram: / fmevents_official 🐦 Twitter: / f_m_events 🎥 TikTok: / fmevents_official
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