Crunchfish’s annual report for 2020 is now available via the company’s website. On May 12th, Crunchfish will also host a live presentation of the company’s annual report, the business development and the plans ahead for the company.

The annual report can be downloaded here and may also be distributed in printed format upon request. The annual report is available in Swedish only.

Invitation to a presentation of the annual report
On May 12^th, at 10 am CET, Crunchfish will host a live presentation of the company’s annual report via Zoom, ahead of the company’s Annual General Meeting on May 19^th. Crunchfish’s CEO Joachim Samuelsson will give a presentation about the annual report, the business development and the plans ahead for the company. After the presentation, a Q&A session will also be held.

Registration to this presentation is done via the following link:
https://us02web.zoom.us/webinar/register/WN_r1H7FYBZQ9iMGsIckxN0HQ

A recording of the presentation will also be available afterwards on Crunchfish’s website and on the company’s YouTube channel.

For more information, please contact:
Joachim Samuelsson, CEO of Crunchfish AB
+46 708 46 47 88
joachim.samuelsson@crunchfish.com 

Ulf Rogius Svensson, IR & Marketing Manager
+46 733 26 81 05
ulf.rogius.svensson@crunchfish.com

Västra Hamnen Corporate Finance AB is the Certified Adviser. Email: ca@vhcorp.se. Telephone +46 40 200 250.

About Crunchfish – crunchfish.com
Crunchfish is a technical pioneer within digital payments with its ground-breaking Digital Cash Wallet using a two-step payment process, first clearing offline followed by online settlement, which makes digital payments robust and independent from the net. Crunchfish Digital Cash Wallet is extremely flexible and may be used with all types of payment services. It is interoperable cross-service/schemes and cross-borders/currencies. It truly delivers the properties of cash, such as instant clearing, offline payments and preserving the payer’s integrity, without requiring any changes to the central or commercial banking infrastructure. This enables CBDC to be rolled out fast in any country.

We have also developed Blippit, an app terminal that connects to cash register systems for both online and offline payments and have a patent-pending solution to reduce food waste. Crunchfish also develops gesture control of smart AR glasses for the consumer market.

Crunchfish is listed on Nasdaq First North Growth Market since 2016, with headquarters in Malmö, Sweden and with representation in India.

Crunchfish har erhållit en International Search Report gällande bolagets ursprungliga Digital Cash-patentansökan och beslutat att begära en International Preliminary Examination av ansökans patenterbarhet. Patentansökan blir offentligt tillgänglig den 29 juli 2021, vilket är 18 månader efter det ursprungliga ansökningsdatumet.

En PCT-ansökan hanteras i en eller två faser. Först sker en obligatorisk internationell undersökning i fas 1, som resulterar i en International Search Report (ISR). En sådan har nu utfärdats för Crunchfishs initiala patentansökan för Digital Cash som har internationellt ansökningsnummer PCT/SE2020/051251.

Baserat på rapporten har Crunchfish beslutat att fortsätta processen genom att begära en International Preliminary Examination (fas 2), med målsättning att erhålla en International Preliminary Report on Patentability (IPRP Chapter II), före patentansökningen går in i den nationella fasen där varje land applicerar sina egna patentlagar i slutgranskningen. Ett alternativ för Crunchfish vore att avsluta ansökan före den internationella publiceringen, som sker 18 månader efter det initiala ansökningsdatumet, det vill säga den 29 juli 2021. Crunchfish har sex ytterligare patentansökningar relaterade till Digital Cash som ännu inte har granskats.

PCT, Patent Cooperation Treaty, är en internationell överenskommelse som ger uppfinnare möjlighet att med en enda ansökan, på ett språk, få nyhetsgranskning och preliminär patenterbarhetsbedömning utförd av en myndighet för cirka 150 länder. En PCT-ansökan innebär inte i sig självt ett patent, utan tillhandahåller en internationell undersökning samt ett skriftligt utlåtande gällande patenterbarhet (inklusive uppfinningens nyhetsvärde, uppfinningshöjd och industriella tillämplighet). Den internationella undersökningen samt det skriftliga utlåtandet utfärdas av ett fåtal patentmyndigheter som är auktoriserade att agera som International Searching Authority (ISA). Huvudsyftet att lämna in en PCT-ansökan är att erhålla ytterligare 18 månader att besluta om vilka länder som patentansökan ska nationaliseras i.

För ytterligare information, vänligen kontakta:
Joachim Samuelsson, VD för Crunchfish AB
+46 708 46 47 88
joachim.samuelsson@crunchfish.com 

Ulf Rogius Svensson, IR & Marketing Manager
+46 733 26 81 05
ulf.rogius.svensson@crunchfish.com

Västra Hamnen Corporate Finance AB är Certified Adviser. Epost: ca@vhcorp.se. Telefon +46 40 200 250.

Ladda ner som PDF

Crunchfish has received the International Search Report of its initial Digital Cash patent application and decided to request an International Preliminary Examination of patentability. The patent application will become publicly available on July 29^th, 2021, 18 months after the original filing date.

A PCT application has either one or two phases. First, a mandatory international search is carried out (phase I), which results in an International Search Report (ISR). This has now been issued for Crunchfish’s initial Digital Cash patent application with international patent application number PCT/SE2020/051251.

Based on the report Crunchfish has decided to continue the process by demanding an International Preliminary Examination (phase II), with the aim of getting an International Preliminary Report on Patentability (IPRP Chapter II), before this patent application enters the National Phase, where each country applies its own patent law in the final examination. An alternative for Crunchfish would have been to abandon the application before International Publication 18 months after the initial filing on July 29^th, 2021. In addition to this initial application, Crunchfish has six additional patent applications related to Digital Cash which have not been examined yet.

The Patent Cooperation Treaty (PCT) is an international agreement allowing inventors to file a single application in one language and get an international filing date. That means the application is considered as filed in all the PCT contracting states, more than 150, on that date. A PCT application itself does not lead to a patent, rather to an international search and a written opinion regarding patentability (novelty, inventive step and industrial applicability). The international search and the written opinion are carried out centrally by a few patent authorities with the authorization to act as International Searching Authority (ISA). The main purpose of filing a PCT application is to get an additional 18 months to decide which countries to nationalize the patent application.

For more information, please contact:
Joachim Samuelsson, CEO of Crunchfish AB
+46 708 46 47 88
joachim.samuelsson@crunchfish.com 

Ulf Rogius Svensson, IR & Marketing Manager
+46 733 26 81 05
ulf.rogius.svensson@crunchfish.com

Västra Hamnen Corporate Finance AB is the Certified Adviser. Email: ca@vhcorp.se. Telephone +46 40 200 250.

About Crunchfish – crunchfish.com/digitalcash
Crunchfish is a technical pioneer within digital payments with its ground-breaking Digital Cash Wallet using a two-step payment process, first clearing offline followed by online settlement, which makes digital payments robust and independent from the net. Crunchfish Digital Cash Wallet is extremely flexible and may be used with all types of payment services. It is interoperable cross-service/schemes and cross-borders/currencies. It truly delivers the properties of cash, such as instant clearing, offline payments and preserving the payer’s integrity, without requiring any changes to the central or commercial banking infrastructure. This enables CBDC to be rolled out fast in any country.

We have also developed Blippit, an app terminal that connects to cash register systems for both online and offline payments and have a patent-pending solution to reduce food waste. Crunchfish also develops gesture control of smart AR glasses for the consumer market.

Crunchfish is listed on Nasdaq First North Growth Market since 2016, with headquarters in Malmö, Sweden and with representation in India.

Digital Monetary Institute symposium, som arrangeras för första gången den 28–29 april, samlar seniora företrädare från centralbanker, experter från betalningsindustrin såväl som investerare för ett möte på hög nivå om teoretiska och praktiska aspekter om digitala centralbanksvalutor och framtiden för kapitalmarknaden. Crunchfish kommer att ställa ut på symposiets digitala mässa.

Crunchfishs monter på DMI Symposiums digitala mässa.

DMI Symposium arrangeras för första gången den 28–29 april med “Central Banks and Digital Currencies – a revolution in money” som sitt huvudtema. Experter inom policy, finans och teknologi kan registrera sig till symposiet med sina affärsuppgifter.

Symposiet arrangeras av Official Monetary and Financial Institutions Forum (OMFIF), som är ett medlemsnätverk för centralbanker, fonder och bank- och betaltjänster, som tillhandahåller en neutral plattform för offentliga och privata möten och event inom branschen över hela världen.

För ytterligare information, vänligen kontakta:
Joachim Samuelsson, VD för Crunchfish AB
+46 708 46 47 88
joachim.samuelsson@crunchfish.com 

Ulf Rogius Svensson, IR & Marketing Manager
+46 733 26 81 05
ulf.rogius.svensson@crunchfish.com

Västra Hamnen Corporate Finance AB är Certified Adviser. Epost: ca@vhcorp.se. Telefon +46 40 200 250.

Ladda ner som PDF

The inaugural Digital Monetary Institute symposium on April 28-29 brings senior representatives from central banks, payment industry experts and investors together to push the boundaries of the discussion on practical and theoretical aspects of central bank digital currencies and the future of capital markets. Crunchfish will be exhibiting at the symposium’s digital fair.

Crunchfish’s booth at the DMI Symposium digital exhibition.

The inaugural DMI Symposium, arranged on April 28-29, will have “Central Banks and Digital Currencies – a revolution in money” as its main theme. Policy, finance and technology professionals may register using business credentials.

It is arranged by Official Monetary and Financial Institutions Forum (OMFIF), which is a membership network of central banks, funds and professional banking and payment services, that provides a neutral platform for public and private sector engagements worldwide.

For more information, please contact:
Joachim Samuelsson, CEO of Crunchfish AB
+46 708 46 47 88
joachim.samuelsson@crunchfish.com 

Ulf Rogius Svensson, IR & Marketing Manager
+46 733 26 81 05
ulf.rogius.svensson@crunchfish.com

Västra Hamnen Corporate Finance AB is the Certified Adviser. Email: ca@vhcorp.se. Telephone +46 40 200 250.

About Crunchfish – crunchfish.com/digitalcash
Crunchfish is a technical pioneer within digital payments with its ground-breaking Digital Cash Wallet using a two-step payment process, first clearing offline followed by online settlement, which makes digital payments robust and independent from the net. Crunchfish Digital Cash Wallet is extremely flexible and may be used with all types of payment services. It is interoperable cross-service/schemes and cross-borders/currencies. It truly delivers the properties of cash, such as instant clearing, offline payments and preserving the payer’s integrity, without requiring any changes to the central or commercial banking infrastructure. This enables CBDC to be rolled out fast in any country.

We have also developed Blippit, an app terminal that connects to cash register systems for both online and offline payments and have a patent-pending solution to reduce food waste. Crunchfish also develops gesture control of smart AR glasses for the consumer market.

Crunchfish is listed on Nasdaq First North Growth Market since 2016, with headquarters in Malmö, Sweden and with representation in India.

Crunchfish Digital Cash Wallet xoxo uses new technology to make cash digital. This is the digital payment of the future and the solution to exploding transaction volumes and financial inclusion worldwide.

In Sweden, cash is disappearing completely and the authorities realize the danger inherent in removing the only means of payment that always works and never jeopardizes your personal privacy. Finansinspektionen requires banks to increase the operational reliability of Swish at the same time as the Central Bank is realizing that its implementation of the e-krona will not be able to deliver the properties of cash.

The e-krona should be implemented as a new currency, or at least using technology that is easy to integrate using the current account based banking infrastructure, making it easy for the Central Bank to implement the e-krona. This would require no changes to today’s digital payment rails in the country. This significant simplification will speed up the implementation of central bank currencies around the world. Building block chain-based solutions to digitizing money is unnecessarily complicated.The Crunchfish Digital Cash Wallet xoxo solves these challenges, as demonstrated by Crunchfish’s contribution together with Swish to the Swedish Post and Telecom Authority’s innovation contest.

–We enable offline and private payments. This is the next generation of the payment solutions of the future and a necessary solution for central banks around the world that are struggling to digitize their countries’ cash, according to Joachim Samuelsson, Crunchfish’s CEO.

Joachim Samuelsson, CEO of Crunchfish
Photo by Joakim Karlsson

A lot of cash is still circulating abroad in countries where digital payment often fails, either due to connection problems or because servers cannot handle the pressure of millions of people wanting to pay digitally due to the pandemic. Crunchfish’s patent-pending Digital Cash Wallet solves these challenges by a two-step payment process. First clearing offline upon payment and then settlement online when the money is moved between accounts. VISA has realised the advantages of this payment architecture.

–Our Digital Cash Wallet complements all types of payment services around the world, whether on mobile or on a card. The Digital Cash Wallet has a mirrored Digital Cash Account that is debited once the payer or the recipient connects online. The Digital Cash Account is blocked and can only be managed from the Digital Cash Wallet, thus protecting against overdrafts and double spending, Joachim Samuelsson explains.

The Digital Cash Wallet xoxo makes payment services globally interoperable. There are billions of cards, digital wallets on smartphones, smart watches and feature phones on the market. Crunchfish will charge the issuing bank or digital wallet provider a subscription fee per active Digital Cash Wallet, similar to how banks issue cards. Financial inclusion in the world is made possible when cards also work completely offline and where other payment solutions can also be integrated to move money between accounts in addition to the card infrastructure.

About Crunchfish – crunchfish.com/digitalcash
Crunchfish is a technical pioneer within digital payments with its ground-breaking Digital Cash Wallet using a two-step payment process, first clearing offline followed by online settlement, which makes digital payments robust and independent from the net. Crunchfish Digital Cash Wallet is extremely flexible and may be used with all types of payment services. It is interoperable cross-service/schemes and cross-borders/currencies. It truly delivers the properties of cash, such as instant clearing, offline payments and preserving the payer’s integrity, without requiring any changes to the central or commercial banking infrastructure. This enables CBDC to be rolled out fast in any country.

Crunchfish is listed on Nasdaq First North Growth Market since 2016, with headquarters in Malmö, Sweden and with representation in India.