Global fintech Conotoxia brings the Investment Advice service to users of Invest & Forex offered by Conotoxia Ltd., enabling them to receive individual investment recommendations on selected financial instruments. As part of the special promotional offer, by opening an account until the end of June and activating the Investment Advice service, the first month of the Smart Start package is free.

Investment advice tailored to your needs

"The launch of the investment advisory service is another milestone in the development of the Invest & Forex segment. We truly believe that the knowledge and experience of our advisors can help clients build their own professional investment portfolios and make conscious and accurate decisions," says Grzegorz Jaworski, CEO of Conotoxia Ltd.

As part of the special promotional offer, by opening an account until the end of June and activating the Investment Advice service, the first month of the Smart Start package is free. The Conotoxia Ltd. team provides investment recommendations designed with individual investors' preferences and objectives in mind rather than a group of people with the same profile. They are bespoke and tailored to the specific needs of a particular client. This kind of investment advisory solution is unique on the market.

"Our recommendations and professional market analyses are not publicly available, general market commentaries. Conotoxia Ltd.'s investment advisor identifies opportunities (including those so far missed) and recommends appropriate moves. It supports 'cold' decision-making," adds Grzegorz Jaworski of Conotoxia Ltd.

One of the most extensive investment offers in Poland

Conotoxia Ltd. has one of the broadest investment offerings in Poland. It includes CFDs on currencies, indices, commodities and raw materials, futures, cryptocurrencies, and equities, but also DMA stocks, ETFs and DMA ETFs from Asia, Europe and the US.

As of October 2021, Conotoxia Ltd. provides an investment service under the supervision of the Polish Financial Supervision Authority at the company's branch in Warsaw, where investors are provided with access to the company's Polish-speaking representatives. The broker's clients receive ongoing education through a free, comprehensive and regularly updated database of financial market material, including current market comments, research articles, previews for the following week, tutorial videos and other relevant content. 

In addition to education, security is essential. Conotoxia Ltd. ensures the protection of Polish clients through the dual supervision of the CySEC and additionally of the FSA (Poland) in the area of the investment service for Polish investors and secures their funds under the Negative Balance Protection and ICF, i.e. the Cyprus Investor Compensation Fund.

VeUP, a new global tech consultancy has acquired the product suite of UK fintech company M3 Payments as part of a multi-million-dollar growth strategy.    

Founded in 2015, M3 Payments is an innovative app that enables international money transfers alongside social interaction. The company’s payments system allows users to send funds safely and securely around the world. The app covers 123 countries with six currencies available: EUR, USD, GBP, CHF, PLN and ZAR. The M3 Payments multi-currency card can be used to pay online, pay in stores and at any ATM.

The acquisition is the latest in a series of deals funded by VeUP’s €100m growth fund which was launched in February this year and is designed to empower AWS technology companies. VeUP, which is planning to hire 40 fulltime staff this year, has opened offices in the UK and the US and has hired AWS veteran James Campanini as its CEO. Campanini previously served as Head of Channels and Alliances, UK&I at AWS, and will oversee the company’s expansion.

HeavyFinance, a climate tech investment marketplace for the agricultural industry, has selected Centropy PR to lead its global communications programme following a competitive pitch process.

HeavyFinance is one of Europe’s fastest growing climate tech companies, tackling the environmental crisis by providing financing and loan schemes for companies in the sustainable agriculture sphere with the goal of removing 1 gigaton of CO2 emissions by 2050. The news as HeavyFinance announced a success €3 million funding raise during its seed funding round, led by VC firm Practica Capital.

The Centropy team will lead on the company’s external communications programme, overseeing core messaging, influencer relations and content creation as part of an integrated multi-market campaign.

Laimonas Noreika, Founder of HeavyFinance, said: “We have big plans to further increase our business in the European marketplace, and we needed a PR partner to support us on this journey.  The Centropy team has the experience, energy and media connections to get help take our message to new customers and play a crucial role in the next stage of our development.”

Steven George-Hilley, founder, Centropy PR said: “HeavyFinance is playing a crucial role in tackling the climate crisis, providing vital financial support and promoting sustainable agriculture. Our team is excited to be working with an agenda-setting company that is doing so much to help build a cleaner, greener world.”

Temenos today announced that Kiatnakin Phatra Securities Plc., one of the leading financial institutions in Thailand for wealth management, has selected Temenos to advance its service platform.

Kiatnakin Phatra Securities, which is part of Kiatnakin Phatra Financial Group, will implement Temenos Wealth to provide a consolidated advisory front-office across all investment products.

The front-office capabilities of Temenos Wealth will enable Kiatnakin Phatra Securities to digitize more operational elements, broaden the range of products and increase front-office sales efficiency, helping it enhance client interactions and attract a new generation of investors.

Temenos Wealth offers a world-class portfolio management system specifically developed for advisors and portfolio managers, with sophisticated functionality across profiling, modelling, performance reporting, risk and compliance.

With clients among the largest global financial institutions and boutique firms, Temenos Wealth is the de facto software solution for the private wealth management industry.

Kiatnakin Phatra Securities has engaged Temenos delivery partner Syncordis to lead the transformation project. As part of its commitment, Syncordis is building a Temenos Wealth Center of Excellence, offering bespoke training services for internal teams and Temenos customers in Thailand.

Narit Kosalathip, Managing Director, Kiatnakin Phatra Securities, commented: “This platform advancement underpins Kiatnakin Phatra Financial Group’s growth strategy and ambition to be the leading provider of wealth management services in Thailand. After extensive assessment, we selected Temenos both for its superior digital and front-office capabilities and the trust in the team. We are excited to embark on this journey with Temenos and Syncordis that will drive operational efficiencies and provide our customers with the most leading-edge services.”

Craig Bennett, Managing Director – Asia Pacific, Temenos, said: “Temenos is delighted to have been selected by Kiatnakin Phatra Securities as the wealth management platform to power their future growth. Thailand has seen tremendous growth and developments within the wealth management sector in recent years and we proud to be working with a financial institution at the forefront of the industry. Temenos, Syncordis and Kiatnakin Phatra Securities worked very closely to steer this initiative that will help the company continue to differentiate and grow in a highly competitive market.”

Muraleetharan, Managing Director & Chief Business Officer – Asia-Pacific, Syncordis, an LTIMindtree company, added: “We are delighted to partner with Kiatnakin Phatra Securities to undertake this significant wealth transformation program to implement Temenos’ market-leading wealth management platform. We are proud to bring our years of implementation experience to ensure a successful and timely project. With this platform, Kiatnakin Phatra Securities will be able to consolidate their wealth front office architecture to support more streamlined processes and improve the sales efficiency across their entire investment product line.”

Linedata, a global provider of credit and asset management technology, data and services, announces today the opening of its new office in Singapore, strengthening its presence in the APAC region following a strong increase in businesses’ needs.

Leaning on its large portfolio of clients within the alternative institutional wealth segment, the new Singapore office will enable Linedata to reinforce its existing product suite offering, combine technology and services and tailor them to the needs of the Singaporean market.

“After months of analysis and market research, we chose Linedata due to their innovative technology and history of servicing clients in Asia. It will be key in adding efficiency and scalability to our investment management process.  We look forward to leveraging Linedata's technology to help us grow our clients’ wealth responsibly,” commented Chiara Bartoletti, COO at Eightstone.

Linedata’s state-of-the-art technological solutions are well suited to the Singaporean financial market and can support its suite of investment fund structures, such as the Variable Capital Company.

“We are looking back at 15 years of strong customer relations in the APAC region. In Singapore, we have supported many large clients in their long-term development. In recent years we have seen an increase of interest in our solutions and our new Singaporean office will give us the ability to do even more locally and offer innovative solutions specifically designed for this unique market and its needs,” added Sally Crane, Managing Director at Linedata Asia.

Linedata’s strong existing presence in the APAC region, in Hong Kong and in India, makes its expansion to Singapore a key priority of its continued development strategy. Linedata plans to recruit new talent and skills for the Singaporean office rapidly to support existing and new clients.

Banks across North America and Europe are failing to publicly report on their approaches to responsible AI development, according to research from Evident, an independent intelligence platform that seeks to accelerate the successful adoption of AI in business.

SVB’s collapse, First Republic’s bailout, and escalating concerns about Credit Suisse have thrust the issue of banking sector transparency firmly into the spotlight once again, while also highlighting the need for many banks to overhaul and improve their approach to risk management.

However, Evident AI Index found that while AI is already used by banks for many critical processes, from authenticating customers to risk modelling, 8 of the 23 largest banks in the US, Canada and Europe currently provide no public responsible AI principles.

Evident analysed millions of publicly available data points to assess how banks report against four main areas of responsible AI: creation of AI leadership roles, publication of ethical principles, collaborations with other organisations, and publication of original research.  

Alexandra Mousavizadeh, Evident Co-Founder and CEO, said: “AI could be the key driver of better risk management and decision-making across the global banking sector. However, it is vital that banks develop AI in a way that meets high ethical standards and minimises unforeseen consequences. Our research found a worrying lack of transparency around how AI is already used – and how it may be used in the future – which could damage stakeholder trust and stifle progress. 

“In this highly regulated sector, the reality is that many institutions are taking proactive steps to address AI concerns and developing internal programmes to address responsible AI. The problem is that there is no standard for responsible AI reporting, and many banks withhold the details of their efforts.  At this critical time for the sector, the banks need to show leadership and start reporting publicly on their AI progress.”

The Index found that Canadian banks are most transparent on responsible AI reporting, with European banks the least. 

Only three banks – JPMorgan Chase & Co, Royal Bank of Canada, and Toronto-Dominion Bank – have a demonstrable strategic focus on transparency around responsible AI. Each showed evidence of creating specific responsible AI leadership roles, publishing ethical principles and reports on AI, and partnering with relevant universities and organisations.

Approaches to hiring AI talent also differ regionally. North American banks are more likely to hire specific responsible AI roles, usually from Big Tech firms, and European banks tend to lead responsible AI within their data ethics teams.

Evident Co-founder Annabel Ayles added: “It’s perhaps unsurprising that two Canadian banks, RBC and TD Bank, perform well as the country itself facilitates a lively AI ethics conversation. The top-ranking banks also tend to have strong research hubs, which we believe helps them address the technical challenges of implementing ethical standards into AI.

“It’s similarly clear that banks are trying to work out the links between responsible AI and data ethics. European banks which view responsible AI through a lens of data ethics, potentially due to the dominance of GDPR legislation, are perhaps missing a trick by not creating AI-specific roles and thinking holistically about the broader risks posed by AI.”

Evident AI Index is the first of its kind to track banks’ AI readiness using a wide range of independent data sources, rather than self-reported surveys. Its proprietary methodology was developed with input from more than 50 leading AI and banking experts, with each bank ranked and assessed on 143 individual indicators. 

In addition to assessing transparency, Evident also analysed banks against three other AI areas: talent, innovation and leadership.

“CIS Islamic Banking and Finance Awards – 2023” distribution ceremony was held in Uzbekistan on 14th March, 2023 at the occasion of 3rd CIS Islamic Banking and Finance Forum organized by Al-Huda CIBE at Hyatt Regency, Tashkent, Uzbekistan. Delegates from various countries participated in the forum. Many applicants have applied for the different categories. After scrutiny and evaluation by the designated award committee, Alif Moliya Uzbekistan Won CIS Islamic Banking and Finance Awards for Best Innovative Products. 

Mr. Nuriddin Lafizov, CEO Alif Moliya Uzbekistan further added that AlHuda CIBE initiative to distribute awards to the contributory organizations and individuals for Islamic banking and finance industry is really an amazing step to encourage the financial industry of CIS countries. This will not only recognize the winners rather it will create an atmosphere for positive competition for constructive development of the Islamic finance industry. Moreover, Alif Moliya is an Islamic FinTech company, operating in Uzbekistan since 2019. Alif Moliya offers shariah-compliant financing using Murabaha and Musawamah structures, as well as a halal marketplace and mobile wallet that helps manage finances and make payments and remittances.

Muhammad Zubair, Chief Executive Officer AlHuda CIBE, said CIS Islamic Banking and Finance Awards 2023 truly showcase those organizations and individuals that are driving innovations in the rapidly emerging Islamic Finance industry. He congratulates Alif Moliya on winning the Best Innovative Product award. He also said that "our congratulations are to all the winners and nominees of the CIS Islamic Banking and Finance Awards, 2023 at CIS 3rd CIS Islamic Banking and Finance Forum”.

Alif is an international fintech whose products work on the principles of Islamic finance. The company was founded in 2014 in Tajikistan - now it is one of the leading banks and the No. 1 mobile application for finance: purchases, payment for services and money transfers. Alif's banking products run on their own software, consistently receive foreign investment and grow in the Tajik market share. The company employs more than 700 people, it is known for its corporate culture and the greatest transparency in work. Since 2019, Alif has been represented in Uzbekistan by two companies: Alif Tech develops payment solutions and is a resident of IT Park in Tashkent. In July 2020, the company received a payment organization license from the Central Bank of the Republic of Uzbekistan. In April 2022, Alif released the alif mobi mobile application for Uzbekistan. Alif Molia provides an instalment service - the goods can be purchased immediately, and paid in equal instalments over a certain period of time. For 2 years, the company has become the leader in the buy-now-pay-later segment in Uzbekistan.

Member Access Processing (MAP), the nation’s leading provider of the Visa DPS Debit, Credit, ATM, Prepaid, and Mobile Processing platform to credit unions, announced today that it will offer ATM Cash Recycling to its client credit unions that use MAP to drive their Automatic Teller Machines (ATMs). 

Traditionally, cash deposits would sit in a storage compartment within an ATM until the cash is collected by an armoured truck. With Cash Recycling, the deposited money is checked for authenticity, sorted, and then stored in the machine's secure cash dispenser. The ATM then uses the stored cash to provide withdrawals to customers. 

“Installing Cash Recycling affords credit unions increased efficiency, security and cost savings,” states Joyce Carter, Chief Customer Officer. “While members will not notice the change, Cash Recycling allows the credit union to extend it cash replenishment cycle, reducing the risk and cost that comes for restocking cash at an ATM.” 

In a post-pandemic world cash is making a comeback where customers are still wary of in-person banking, with long lines and many physical touchpoints, ATMs are set to play a vital role in the way people do business. This is even more true with the added functions that modern ATM technology allows, adding benefits and conveniences that customers never had before, truly making these cash machines an extension of the credit union branch in all aspects. 

It is essential to find a reliable partner to grow a successful business. The company can open new markets and expand its customer base, helping its brand prosper. The integration of such an element as a payment gateway, making it a part of the infrastructure, can also solve this problem, but it is not easy to implement it. This is the reason why a white-label solution seems so attractive to many. Apart from payment processing, it helps to expand the user base and strengthen the company’s brand. 

Numerous companies offer similar software for enterprises. We collected the options that definitely deserve attention to help you to make the right choice. The list includes software products from the following companies:

1.    Akurateco

2.    Decta 

3.    Ikajo

4.    WL Payments

5.    PayPipes 

6.    eComCharge

7.    PaySpace

A quick survey of the basic features offered by these platforms will help to see what is more suitable for your business. However, we should look at the basic notions first to understand how it works and why it’s needed. 

The essence of the concept

This is a payment processing system that a company can use under its own trademark. Despite the fact that the enterprise deals with a third-party service to accept payments, nobody knows about it as it uses a customized solution with its own logo on it. As a result, both parties benefit from this cooperation. Companies select this technological solution to attain a number of goals. Let us see why this solution is profitable for merchants. 

• It is less expensive

This is a cheap and convenient solution for any business entity, even a small-sized one. In this way, it creates better conditions for SMEs (small and medium enterprises). 

The development of a payment gateway is a huge challenge that requires significant expenses. Small companies can’t afford to pay an in-house team so much. 

• It allows accepting payments right after the integration

In case the financial aspect is not problematic, the process of building can take much time. The team of developers will have to test it and correct errors before getting the final product. With a ready-made payment module, business starts accepting transactions immediately. Thus, the enterprise can concentrate on its basic work without being distracted by other issues. Therefore, payment software, built and fine-tuned by the partner’s team that specializes in this area is a perfect way out. Using a white-label version, they can select the refined product and take advantage of its extended functionality enabling them to get to business without delay.  

• It strengthens the brand and raises its value 

Own gateway helps to strengthen the brand since companies can fully brand it as they wish. They get branding control over URLs, color schemes, logos, fonts, APIs, and marketing questions. All efforts companies put into their promotion contribute to the brand’s value. Those who plan customization should explore if this capability exists in advance.

• It improves the reputation of merchants

Offering robust payment technology to clients ensures a smooth checkout experience, thus establishing the reputation of an expert in the field.  

• It contributes to the customers satisfaction

Consumers may not worry about the safety of their payments, the issue that arises each time they pay on the website of a third-party company. Sometimes customers hesitate when they see a logo and design of a third party on the payment page.

This is not a comprehensive list of benefits. There are other nuances as well that work perfectly for merchants. However, it is better to explore them, by studying particular platforms and their features.

Akurateco

Akurateco is a software provider, headquartered in Amsterdam, that specializes in fintech software products. It builds invoicing systems, analytics, management tools, etc.  Businesses, choosing this partner, get a 100% secure solution as the platform cares much about security, and addressing fraud effectively. Their white-label solutions are easily customized.  

The main benefits of the product delivered by Akurateco:

1.    Cost-effective offer, affordable for SMEs;

2.    Custom-made design of the payment page;

3.    High level of security;

4.    Growth potential.

However, Akurateco’s gateway is not the best choice for companies looking for a wealth of customization options. They can feel somewhat limited here. Still, the solution has all the necessary features for practical use and comes without excessive bells and whistles.

Decta

With hosted, cloud-based solutions offered by this platform, merchants get a single unified payment gateway that opens new markets to ecommerce companies. Decta delivers tens of widespread payment methods including global payment networks, open banking, digital wallets, and connections to acquirers. 

The functionality includes an advanced interface with payment management tools. It is a good fit for all types of devices and various viewports. The solution can deliver all kinds of checkouts, be it a full payment page, iFrame, direct post, or API.  The software is fully customizable, ready for rebranding, and easily adjusted to any payment engine. 

Ikajo

This is a robust payment processor that offers card processing services to merchants and businesses. With over a hundred alternative payment methods, it presents an excellent portfolio of payment options. Ikajo works with 150+ currencies, so it can be a good variant for legal entities that pursue goals of global expansion. 

The facility delivers recurring payments with anti-fraud verification, checking them thoroughly by more than a hundred parameters. The fees vary, starting from 1.2% and going higher when other factors. Different things affect the prices such as industry. Rates are higher when high-risk industries are involved.  

This partner can be selected by small companies that look for HHP integration features, which are convenient for merchants. Large businesses can also take advantage of the Ikajo services that deliver quality API, which is easily integrated. Moreover, the company offers such services as cancellations, subscriptions, payouts, and more. The functionality allows setting time intervals for recurring payments.

WL Payments

It is an acquirer payment gateway with a unique approach to work. The brand was created in Amsterdam and aimed to solve existing problems in the industry. Currently, it presents a growing acquirer network including the most relevant payment methods. A multilingual network is truly a global formation since it accepts any currency. The mechanism is designed to send transactions to the most highly-rated payment partner.

Technologies employed by the company help to increase merchant conversion. Using smart routing, Flex 3DS, and mathematical models, the platform can reduce transaction expenses and improve conversion. 

PayPipes

PayPipes positions itself as a solid partner for online merchants, since the company is an expert in its niche, it implements the best technologies and provides products of supreme quality with integration features. Feature-rich functionality of the module makes it a favored option for businesses. It offers easy navigation in any country of the world despite payment channels and the location of customers. Also, the benefits of the system include easy customization, detailed data, and analytics tools, easy payments API, virtual terminal, tokenization, payment page, and the capability to pay by link.  

The reduction of regulatory compliance helps Paypipes to deliver excellent transaction service without charging tons of money for service. 

eComCharge 

This is a Vilnius-based technology company with 14 years of experience in the industry. It started the activity as an outsourced developer of payment systems for foreign companies. Currently, the firm specializes in building payment software. Also, the platform designs transaction tools and security check services, working in compliance with the AML (anti-money laundering) policy. 

The platform can reduce fees thanks to the optimization of transaction costs and automatic smart routing to different gateways. With an up-to-date API library and documentation, the platform ensures simple integration. eComCharge offers a single integration with all gates, 50+ banks, and alternative payment systems. 

Using high-class software, businesses can adjust payment functionality to help the company look consistent. It is attained with the customization of payment pages, where a merchant’s logo and brand colors are added. 

PaySpace

PaySpace is a Ukraine-based payment processor that delivers seamless customer experience around the globe. The platform employs cutting-edge technologies to serve thousands of customers globally. Compared to numerous competitors, the company is ready to work with high-risk industries and develop white-label gateway solutions for them. 

Fraudulent activity is effectively prevented with advanced anti-fraud and chargeback prevention software tools developed by the in-house team. The platform also uses third-party services and signals for the accuracy of data across the system.

The system accepts bank cards of major payment methods and numerous alternative payment methods. The platform offers unparalleled service and charges moderate fees for that. The prices for processing start from 1,2%. Integration into different shopping carts is easy. It is also a sophisticated management tool with the potential to set up selling and marketing campaigns that boost merchants’ sales and expand their customer base. 

Conclusion

As you see, companies that appear on the list differ considerably from each other. Since the market is versatile, each merchant can find the processing partner that suits their business perfectly depending on its goals and needs. You just need to explore these options thoroughly and make your decision.

Coreum, the new enterprise-grade layer one blockchain developed by the Coreum Development Foundation, has officially launched. The low-latency, proof-of-stake blockchain supports the expansion of modular, fast, secure, and interoperable blockchain-based applications, ultimately cultivating the mass adoption of decentralized technology among enterprise-grade entities.

Since its devnet launch in 2021, the Coreum blockchain has gained attention by introducing a new standard for enterprise-use cases that employ best-in-class features, such as:

• Smart Tokens: Tokens that are natively issued tokens on the Coreum chain, and which are wrapped around smart contracts. They are highly customizable and are designed to be lightweight and flexible while remaining extendible. Truly plug-and-play, these tokens are faster, more secure, and more reliable compared to smart contracts.
• ISO20022 Compliance: A single standardization approach (methodology, process, repository) used by all financial standards initiatives.
• Inter-Blockchain Communication (IBC) Interoperability: A protocol for interoperability between different ledgers, where all blockchains connect to and communicate with each other via the IBC.

The release of the Coreum blockchain represents the last step of what has been a well-staged development plan, with its origin based on the Sologenic Tokenization Technology. Sologenic has allowed investors to trade stocks, ETFs, and other assets while being built on the XRP Ledger. Sologenic will integrate with the Coreum network so users can hold and trade fungible and non-fungible assets on both Coreum and the XRP Ledger.

“This is an exciting day. Coreum’s open-source project is 100% community-owned, built by developers with developers in mind, with a passion for making a more advanced, secure and fast blockchain for enterprises of any size,” said Bob Ras, co-creator of Coreum and co-founder of Sologenic. “Coreum emerged from the Sologenic Tokenization Platform, and the XRPL has been a key to our journey up to this point. The XRP Ledger inspired many aspects of the Coreum Blockchain, and the foundation will keep the two blockchains side-by-side in a complementary and interoperable way.”

Intending to process up to 7,000 transactions per second allowing for next-generation scaling to occur on-chain, Coreum will be supported by genesis validators Cosmostation, Huobi, Citadel One, Stakewolle and many other well-known validator operators. In addition to heightened scalability, the new layer one will bring immense multi-chain interoperability through the deployment of bridge functionality and collateralized wrapping. Multichain will be implemented as the first bridge between the XRPL and Coreum to foster continued portability and innovation across both ecosystems.

Coreum actively supports projects in its ecosystem – the first wave of grants brought hundreds of applications, with the six winners now actively building on Coreum's L1: Zeeve, enterprise-grade no-code Blockchain Infrastructure Automation platform; Telios, decentralized email service provider; D’Cent, hardware and software wallet; Stably, regulatory-compliant stablecoin infrastructure provider; Common, new generation loyalty system; and Amber, free-to-play game and metaverse platform. Corerum has just launched its second wave of grants, Wave 2, geared at projects that will leverage Coreum's proprietary Smart Token technology.

“It’s a suitable time to expand the Coreum community, increase its reach within the crypto space, and make the Coreum ecosystem truly decentralized,” said Reza Bashash, co-creator of Coreum and co-founder of Sologenic. “The tokenization and decentralization of assets remain key tenants of what we believe, and inform all the decisions we make. We are also anchored by a belief in a proof-of-solvency model, which can help restore faith in the best crypto projects and protect this industry’s future.”

To celebrate the launch of Coreum mainnet, the Coreum Foundation will be hosting an event at The Lighthouse in Los Angeles, California. The event will include a fundraiser for the non-profit Save the Children. The Coreum Foundation will match all donations made by attendees. Details of the event, Core Nova, can be found at coreum.com/core-nova.