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11. November 2020 | 13:55 CET

BIGG Digital Assets, VISA, American Express: Pay per Coin & Click!

  • Blockchain
Photo credits:

The stock markets are on a rollercoaster ride - so are the cryptocurrencies. For the past 48 hours or so, the stock markets have experienced unparalleled volatility. While some stocks are taking off in the hope of a quick end to the pandemic, others are losing ground, while in recent months have been able to benefit from the pandemic restrictions. The crypto world is even more volatile, but the individual coins are developing very differently. Up-to-date there are according to 7,637 Coins, which are traded on 32,540 markets and represent an added value of USD 441.2 billion. The old father of the movement, the "Bitcoin" stands alone for USD 282.7 billion or 64% of the total market. It has grown by 60% in 2020. Service providers and payment processors are active in this market, but with different objectives. PayPal announced its entry a few weeks ago, and now the hunt for successors begins. We take a look at the protagonists of this not so new market segment.

time to read: 4 minutes by André Will-Laudien



André Will-Laudien

Born in Munich, he first studied economics and graduated in business administration at the Ludwig-Maximilians-University in 1995. As he was involved with the stock market at a very early stage, he now has more than 30 years of experience in the capital markets.

About the author

BIGG Digital Assets - The crypto world in sight!

The Canadian security and IT company BIGG Digital Assets is a service provider in the world of crypto - specialized in creating secure conditions for the trade of cryptocurrencies. The history of origins goes back to various security features that were made available to regulators and governments to increase transparency in the trading of cryptocurrencies. For several months the subsidiary "NetCoins", which soon might be the first fully regulated Canadian coin trading platform, has also been on board. Sales have been growing at double-digit rates in recent weeks.

The exciting thing about BIGG is precisely this combination of security software and trading platform. In the new crypto world, customers still have fears of contact, which can at least be alleviated by sound structural conditions and transparency. Meanwhile, 7 crypto pairs are trading, and the number of verified trading activities via BitRank Scores increased to 625 million trades in the third quarter. This shows the high relevance: Already, 5% of the earth's citizens are actively engaged in the crypto markets. Experts expect an average growth (CAGR) of 23% per annum for the coming years.

The researchers of Chainalysis found that 2.3 million humans already use Bitcoin for payments, while more than twice as many, i.e. 4.8 million users, hold Bitcoin as a speculative investment in the hope to obtain a profit. For BIGG, this means increased revenues and a lot of demand for security software. With a valuation of EUR 25 million, BIGG is currently still a small player in the market. Recently, the share price fluctuated somewhat more strongly between CAD 0.25 and CAD 0.33 - with a little patience, there are sound entrances into the crypto world of BIGG.

VISA - Strong numbers, crypto can come!

VISA is one of the largest credit card providers and payment processors in the world. Growth has been rapid in recent years, and there is now hardly a bank on the globe that does not offer VISA products. In 2020, the Company will have sales of around USD 25 billion and net profits of USD 6.5 billion or USD 4.41 per share. Although the dividend yield is modest at 0.6%, the share price has risen by a full 350% over the past 5 years.

The management is considered to be somewhat conservative. Still, since last week a planned takeover has been causing a furore because the US government wants to stop the announced takeover of the Fintech start-up, Plaid, by the credit card giant, which costs around USD 5.3 billion. Last week, the Department of Justice filed an antitrust lawsuit with the federal court in San Francisco because Visa would allegedly gain too much market power through the acquisition. Plaid offers software for linking digital payment apps like Paypal, Venmo or Transferwise with bank accounts.

The intention of such an acquisition seems clear. Due to the pandemic, cashless payment transactions are on the rise with growth rates of 20% p.a. In addition to the standard currency conversion, Visa naturally earns a percentage of every transaction. If you want to be at the forefront in the future, however, you have to be able to integrate modern platforms and apps and master the crypto world. VISA has committed itself to both tasks until the end of 2021. The share is a standard value among financial service providers.

American Express - It should be the Platinum

Which credit card has a higher reputation than American Express? We can only think of Diners Club, the very first and probably most select credit card, founded in 1950 by Frank X. McNamara. 70 years ago, the campaign started with 27 associated restaurants and 200 customers. American Express is 100 years older and has already travelled for its customers by stagecoach. As one of the first major financial service providers, its eventful history dates back to 1850.

The Company became well known when it issued traveller's cheques to secure cash on extended journeys. Traveller's cheques were stamped again at the turn of the millennium, but today the Company issues an unlimited platinum card made of chic metal for the very wealthy customer base. During the financial crisis from 2008 to 2010, however, AMEX got into trouble and was ultimately forced to apply for USD 3.5 billion in state aid from the bank rescue fund.

Since then, AMEX has developed well, and today has a turnover of USD 45 billion and a net profit of about USD 4.2 billion. In the third quarter of 2020, profits fell by 39% to USD 1.07 billion. The poor performance was attributed to a reduced number of transactions due to the pandemic and lower average revenues. AMEX has so far focused primarily on the card business, savings and travel services and bonus programs. In the crypto area, the Company currently only offers the payment function on various Internet platforms for purchasing coins in so-called wallets. A payment function in crypto does not yet exist at AMEX, but the security of a traditional bank does.


André Will-Laudien

Born in Munich, he first studied economics and graduated in business administration at the Ludwig-Maximilians-University in 1995. As he was involved with the stock market at a very early stage, he now has more than 30 years of experience in the capital markets.

About the author

Conflict of interest & risk note

In accordance with §34b WpHG we would like to point out that Apaton Finance GmbH as well as partners, authors or employees of Apaton Finance GmbH may hold long or short positions in the aforementioned companies and that there may therefore be a conflict of interest. Apaton Finance GmbH may have a paid contractual relationship with the company, which is reported on in the context of the Apaton Finance GmbH Internet offer as well as in the social media, on partner sites or in e-mail messages. Further details can be found in our Conflict of Interest & Risk Disclosure.

Related comments:

04. November 2020 | 14:02 CET | by Nico Popp

Bitcoin, BIGG Digital Assets, PayPal: What is the best crypto investment?

  • Blockchain

Once the genie is out the bottle, you can't get it back in. It's the same or similar with digitalization. The advantages are so overwhelming that only a few people want to do without it - even if there are disadvantages. When it comes to the electronic transfer of capital, supervisory authorities and public prosecutors point out the dangers of money laundering. Cryptocurrencies are unfortunately the preferred field of activity of criminals. Nevertheless, the price of Bitcoin is currently going through the roof again. The best-known of all cryptocurrencies developed rapidly after the start of the second Corona wave - within a month alone, the replacement currency to the Euro rose by around 25%.


19. October 2020 | 10:24 CET | by André Will-Laudien

Wirecard, Paypal, BIGG Digital Assets: Crypto - soon normal means of payment?

  • Blockchain

The crypto world is constantly developing, and the user numbers are increasing considerably. The more the discussion about the abolition of cash takes shape, the more people are interested in a liquid alternative means of payment. Even if system critics hold on to gold, once certain acceptance hurdles have been overcome, cryptocurrencies must be said to have grown rapidly. In 2016 there were less than 10 million registered wallets with cryptocurrencies, since the end of 2019 this number exploded to over 40 million, an increase of 300% in three years. Compared to other key figures, especially concerning the Bitcoin exchange rate, this number seems low, but there is an anticipation of further growth.


17. July 2020 | 13:56 CET | by Mario Hose

BIGG Digital Assets, NetCents, Northern Data - who is the best blockchain pearl?

  • Blockchain

The Blockchain phenomenon has kept the world in a state of excitement in the second half of 2017. A revolution by many young entrepreneurs and investors seemed to be on the way. Business models were springing up like mushrooms. There were almost no barriers to market entry, as most investors were greedy freeloaders and pursued the illusion that in the near future everything will be tokenized and would end up on the Blockchain. Because most market participants had no idea about encryption technologies, critical questions were rarely asked. Sounds bizarre, but that's how it was. Three years later, a number of companies are still active, either because they were able to develop a business model or because they have not run out of money yet.