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Liza Aizupiete, Managing Director of Fintelum – Interview Series

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Liza Aizupiete, Managing Director of Fintelum - Interview Series

Liza Aizupiete is the Managing Director at Fintelum, a European-based token launch (ICO and STO) platform.  Liza has extensive experience in traditional fund management, and is also an experienced blockchain entrepreneur, having successfully launched and raised capital (ICO) for Globitex where she was a Co-Founder and Managing Director.

 

RS: You’ve recently launched a company called Fintelum, can you tell us a bit more about what Fintelum does and what markets it serves.

LA:  Fintelum services can be summarised as follows:
– Primary token issuance
– KYC/AML compliance
– Smart contracts (utility and security tokens)
– Crypto funds co-custody
– Token transfer agency
– Corporate actions
– Secondary token OTC exchange desk

At Fintelum, we built a token launch platform to cater to token issuers in carrying out technically sound and compliant ICO/STO token sales. Fintelum is geared to provide services on the European soil for global clientele. The main services are compliance, crypto funds co-custody, and smart contracts. For security token industry, Fintelum serves as a token ownership transfer agent, ensuring secondary market by token OTC desk and provides ongoing blockchain-based corporate action services, such as voting, dividends and announcements.

 

RS: How does Fintelum differ from other token issuance companies?

LA: Fintelum’s unique selling points are:
– Integrated crypto multisig wallet services and funds co-custody
– Token transfer agency and OTC exchange desk
– Comprehensive on demand reporting

Fintelum was founded in 2018 and subsequently licensed by the Estonian FIU to provide services for crypto industry in compliance with EU AML laws. The main differentiators lie within the benefits Fintelum clients can have from a longtime team with experience in finance and building and running our own regulated cryptocurrency exchange.

For one, Fintelum features multi-currency cold/hot wallet management system with co-custodianship for added reliability. Issuers can be reassured that all technical, blockchain and compliance related work will be carried out with utmost care. For that we have built a comprehensive backoffice, where issuers can safely navigate and control their fundraise. From creating campaigns and programs to managing investor data and affiliates.

Another differentiator is our Ethereum based security token STO implementation and subsequent OTC desk. Fintelum is able to act as a token transfer agent, maintaining blockchain based capitalisation tables or shareholder registry for companies or other tokenised assets. We are creating unprecedented availability for eligible (whitelisted) peers to exchange both security and utility tokens.

For utility token, Fintelum differentiates with our systematic approach in KYC/AML compliance. There, after a successful fundraise, the issuers can rely on a comprehensive reporting system. All data collected and verified can be made available to banks and other financial institutions that would otherwise be unable to service a non-compliant enterprise. In fact we have several banks and payment service providers that can offer fiat services to Fintelum clients.

On the whole, Fintelum services pack-in some of the most crucial features to successfully launch a crypto fundraise. The issuers will still need to have their own local legal counsel and have a clear idea of their own marketing strategy, whereas Fintelum will do the rest. It is safe to say that Fintelum service package is the most comprehensive available on the market.

 

RS: You have extensive experience in fintech and funds, what reasons did you choose to start a token issuance company instead of some other type of crypto service or business?

LA: In short:
– Companies sought our know-how
– Understanding of the industry and technology
– Anticipation of the global change in the capital markets

After having successfully completed a EUR 10 million ICO fundraise, for our former company, several projects approached us to learn how crypto crowdfunding works. And as compliance and AML took precedence over anonymous crypto donations, we thought it natural to expand on our experience and institutional understanding how the capital markets will likely evolve. ICOs or utility tokens already made a historical mark on capital markets industry. Likewise, STOs or security tokens will continue reshaping capital markets and we are excited to precipitate this change with our new business.

 

RS: You previously did an ICO with your former company, Globitex, what did you learn from that ICO that can help token issuers on the Fintelum platform?

LA: Our advice:
– Find the right partners
– Work with professionals
– Grow your community

Our major takeaways from running an ICO was that it matters a lot at what stage your company is, what shareholders and partners you have and which service providers you choose for your fundraiser. You may have a wonderful idea, technically impeccable product. But you need professional service providers that will do everything else for your fundraise to actually happen.

We were very lucky with ours. We managed to raise EUR 10 million and closed our public sale in a matter of 24 hours. Not discounting the timing when we ran our campaign, it is also important to have a clear idea of whom you want to target as your investors and/or product users – your community. Because an ICO as well as STO campaign works inadvertently as a marketing campaign for your current or future product or service. And you need to invest the time and effort to reach out to your community, to show the world that your product exists and is worth investing in.

It is worth noting that STOs make more legal sense, but much less retail buzz. The times of raising hundreds of millions for a white paper ideas with no hard cap are definitely gone. But ICOs are not dead. I still anticipate some major utility tokens to be released this and next year. STOs on the other hand can work beautifully under crowdfunding law exceptions up to EUR 5-8 million, and above – according to the Prospectus Regulation (in July 2019 replacing the Directive) in Europe.

For the ICOs a fixed and guaranteed hard cap will add to the success and popularity of the fundraiser. With STOs, hard cap is replaced by clear legal rights and expectations.

 

RS: What types of companies do you think are best suited to launch an STO?

LA: In my view:
– Small or medium working businesses, ideally with revenue streams
– Global fund management companies with existing subscribers (investors)
– Real estate or financing projects with attractive interest rate offer
– Alternative energy projects with eco impact and good dividend prospect
– Gaming and sports with large retail following

Today, the potential buyer of an STO will need to overcome burdensome KYC/AML profiling process to be compliant with the sales of a security. And depending on the jurisdiction and the project offering, the pain levels may vary. But it is clear that investing in an STO or ICO today is much more complicated than just a year ago would have been, contributing towards a development of a utility token project. This is why the STO must be attractive enough an offer for the pain of investing. Indeed, for equity or debt tokens, an STO issuer needs to have a great proposition on the table to be able to attract investment.

 

RS: What types of companies would you personally like to see launch in the cryptocurrency space to help the industry as a whole reach wider adoption?

LA: I’d bet on:
– Sports and games
– Virtual reality
– Food

At Fintelum, we get disproportionally more enquires from real-estate related companies than from any other sectors. This is presently the case. And it may be due to the fact that real estate is a hard asset. Like commodities, precious metals, real estate is something people understand. Investing in complex equity schemes may require more sophistication and/or risk appetite. Whereas I would personally like to see utility tokens continue to persist. We have come across several great ideas. But the fear of the present downmarket poses resistance and unwillingness from the managers to delve into the process of launching a token.

The three categories, namely sports/games, VR and food industries are most appropriate for ICO type of fundraise, because of the loyal retail client base they all either have or have the potential of commanding. Finance as a sector has already been done, with caveats. It brought about institutional interests, and serious price volatility as a result. But, by tapping into the mass market though either of these industries, we may be able to sustain a steady and solid adoption rate.

 

RS: You’ve been a female entrepreneur in the cryptocurrency space for over three years, can you tell us about any benefits or challenges being female in a male-dominated field may have brought?

LA: I was born in Latvia and educated in Switzerland. According to Open Knowledge report by the World Bank, six economies—Belgium, Denmark, France, Luxembourg, Sweden and topping-off with Latvia —score 100 in the Women, Business and the Law index, meaning they give women and men equal legal rights in the measured areas, whereas Switzerland scores just marginally below at 97.50. In fact Latvia has the highest proportion of female executives in the entire EU, according to the latest EuroStat survey.

This shows that generally women should not be experiencing any difference or special challenges in the developed world economies. And it is no different in the nascent crypto space. Although the industry is predominantly male, the rules are the same for both genders. Hence, I have not felt particular challenges being a female entrepreneur. Indeed, the only challenges are mostly self imposed. This is because, by some gender bias, females tend to be more critical, especially of themselves. So, if anything, the challenges are self inflicted and are completely unrelated to external factors.

 

RS: Can you describe briefly what you think the next two years looks like for ICOs and STOs.

LA: The coming years will be a slow recovery from the ICO exuberance that culminated in the years 2017-18. It will be a recovery and maturing of the cryptocurrency and crypto assets industry, where STO will have an important place, setting precedents across jurisdictions.

ICOs had reached unprecedented 10-fold returns on investment, raising in excess of USD 20 billion in funding, in the years combined. The crypto fundraising will continue, but it will happen in a more professional way; more law-abiding manner; hopefully, innovative at the same time.

It would be unfortunate, if the law makers decided that we don’t actually need innovation, and that the existing system is good enough as it is. My hope is that competition will increase, and the barriers of entry will not be disproportionally raised. So the new entrants and innovators can have a chance of their lifetime to actually make the word a better place.

 

RS: Is there anything else you would like to share with the readers?

LA: To inaugurate the launch of Fintelum services, I invite potential token issuers to take part in our Easter arrangement. From 21 March to 21 April 2019, Fintelum will wave half the onboarding fee to all eligible token issuers who come through during this time.

Contact Fintelum here to launch your compliant ICO or STO token sale.

In addition, to energetic self-starters, using the hashtag #TokeniseYourAssets in your social media will help land an internship and work opportunity with Fintelum.

Contact Fintelum at [email protected] for more information.

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Syed Hussain, CEO of Liquidity – Interview Series

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Syed Hussain, CEO of Liquidity – Interview Series

Syed Hussain is the co-founder and CEO of Liquidity Digital, a blockchain based fintech firm that is building an end-to-end investment banking ecosystem for the digital economy.

Prior to this, Syed had served as the CEO of the Americas for BANKEX, a global blockchain firm focusing on the tokenization of assets; as the Director of the Eastern US for Blueprint Technologies, a digital transformation consultancy

 

Antoine: You have quite the background in tokenized securities having previously being CEO of BANKEX. Could you tell us a bit about your experience with BANKEX, and how it has prepared you to be the co-founder and CEO of Liquidity Digital?

Syed: In times of struggle, I become stronger. My character is defined not by my successes, but by my reactions to disappointment. BankEx under delivered on its promises to the market. The excess of funding created a lack of focus rather than a platform of support. I have learned. I will apply the knowledge, strength of character and a team that shares my vision, we will succeed.

 

Antoine: What inspired you get involved in digital securities initially?

Syed: My love for solving problems. I was inspired by the intellectual design of Satoshi’s whitepaper on Bitcoin and was searching for a practical, business use case for this new technology. Digital securities provide me with this stimulation and opportunity to learn an impressive team to grow a solid, revenue generating organization in this new industry.

 

Antoine: Liquidity Digital is developing a regulatory compliant ecosystem for the creation of digital assets. This is a three-step process which includes Security Structuring, Regulatory Compliance Issuance, and Post Issuance Modules. Could you tell us about the security structuring and how Liquidity Digital handles this?

Syed: We initially consult directly with clients to understand their business needs. Internally we structure a deal that is suitable for their use and will hire outside consultants on a per need basis. We will also refer to third party legal and accounting teams to provide a due diligence analysis of the issuer and then of the security and the structure.

 

Antoine: The second step is the regulatory compliance which is what many are most concerned about. Can you let us know how Liquidity Digital handles this?

Syed: We will be relying on third party legal on a per issuance basis. Most likely we will be using a combination of Reg D and Reg S offerings.

 

Antoine: Do you also handle international regulatory compliance?

Syed: Yes, we will be relying on legal counsel as well as broker-dealers who are registered in their operating regions per that local jurisdiction.

 

Antoine: The third step is the Post Issuance models. Is this managing cap tables? What else does it involve?

Syed: Yes, cap table is part of post-issuance. As is tax reporting, investor relations, voting rights management, dividend distributions and buybacks. What we do not do is secondary trading. For this service, we will be relying on a network of partners who are registered to handle digital securities in their jurisdiction.

 

Antoine: For a company who is interested in signing up with Liquidity Digital. What do they need to have ready before they approach you?

Syed: The ability to pass audit by a big four accounting firm. $150,000 in fees to Liquidity Digital due before raising capital to cover our advisory and technology costs. Another $200k – $300k set aside to create offering documents and for marketing and roadshow expenses.

 

Antoine: Are you currently only accepting United States clients? Are there restrictions on where corporations should be incorporated?

Syed: No, however we prefer US based clients due to the higher reporting and compliance standards. For clients incorporated outside of the US they would have to be able to also pass third party auditing from a large US-based accounting firm.

 

Antoine: Is there anything else that you would like to tell us about Liquidity Digital?

Syed: We eat securities for breakfast and shit them out as digital blocks.

To learn more visit Liquidity Digital.

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Brian Collins, CEO at Horizon Globex – Interview Series

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Brian Collins, CEO at Horizon Globex – Interview Series

An experienced public and private company CEO, Brian founded Horizon Globex in 2010, which was listed on Nasdaq in 2012. From 1999-2010 Brian was CEO of Abbey Technology in Switzerland, specializing in the design of trading software for Swiss banks. Prior to this, Brian worked for Credit Suisse in Zürich designing and building proprietary equity trading solutions. Brian graduated in 1990 with a B.Sc.(Hons) in Computer Systems from the University of Limerick, Ireland.

AT: Horizon Globex features multiple products which target companies that are looking at launching a Digital Securities Offering. To begin, could you tell us about Tokenetics, and describe the issuance process?

BC: Tokenetics is our underlying digital security issuance, custody and disbursement software for issuers to launch a secure and compliant DSO. An issuer comes to us, and we collaborate with their team (including management, securities lawyers and investment bankers) to create an Ethereum ERC-20 smart contact for the digital securities that will be able to be issued pursuant to an exemption from the registration provisions of the federal securities laws such as Regulation D, Regulation S, Regulation A or pursuant to a registered offering on Form S-1.

We take a unique approach that we believe is most suited for today’s ever changing regulatory framework. Instead of integrating numerous layers of features onto a single digital securities’ smart contract, we prefer to apply additional regulatory compliance via “peered” smart contracts that are built alongside the primary-issuance smart contract, like our Transfer-Agent- Gatekeeper smart contract (via CustodyWare).

For example, if a holder becomes the CEO of the issuer (e.g. an affiliate who is now restricted from “insider” trading in the security), the issuer would be forced to burn the holder’s digital securities, reprogram with the new restrictions and issue a new token. With CustodyWare, the issuer can simply notify the Transfer Agent and the Transfer Agent c an input the CEO’s KYC’d wallet ID to the CustodyWare portal and apply relevant affiliate status restrictions on the securities in that wallet. Our approach puts control in the hands of properly SEC regulated Transfer Agents instead of developers or CEO’s.

 

AT: Tokenetics also offers secondary trading opportunities, could you describe these?

BC: The answer to this question lies in the ability for our software solutions to integrate with one another. Tokenetics integrates with KYCware, our white label investor onboarding and KYC identity verification smartphone app. AMLcop, our watchlist management sanctions and PEP screening solution, also integrates and acts as the gatekeeper for our entire ecosystem as an investor must be whitelisted to participate. Then, on completion of an offering and its potential holding period (e.g. SEC Rule 506(c)), a Transfer Agent utilizes CustodyWare, our Transfer Agent custody portal, to transfer the digital securities to a regulated ATS for compliant secondary trading. Our use of a Transfer Agent allows issuers to exercise good control, ensuring the identities of investors remain intact throughout the lifecycle of the digital securities. Ensuring that investor identities are known in the same way as traditional securities means that proxy notices can be sent, voting can be done, dividends can be paid, escheatment can be managed, and state and federal laws complied with for estate management and regulatory reporting.

We’ve also developed a dollarized secondary trading solution to provide liquidity assurance to investors and offer new investors the ability to take part in the secondary market, with trading-pairs priced in fiat. Investors both deposit and withdraw funds in fiat, minimizing risk of cryptocurrency regulatory and AML exposure.

 

AT: CustodyWare is another one of your products which describes itself as a compliant agent custody solution. Could you elaborate on what this product does?

BC: We believe that CustodyWare is the first regulatory compliant product for U.S. Transfer Agents to custody and manage digital securities on behalf of their clients pursuant to an SEC registered or a registration-exempt DSO. The CustodyWare portal integrates with ERC-20 issuances and supports all major Transfer Agent functions including issuance, custody, transfer query, reporting, affiliates and release, providing Transfer Agents with the ability to fulfill the same role for digital securities as they do for traditional securities. All transactions are signed by the Transfer Agent and are transparently and immutably stored on the Ethereum blockchain.

 

AT: In January 2019, you signed a deal to license CustodyWare to VStock Transfer, LLC “VStock” an SEC registered transfer agent and registrar. Could you tell us a little bit about this agreement?

BC: The agreement with VStock is a licensing agreement which enables VStock to expand upon their traditional business as a leading stock Transfer Agent and registrar firm and begin taking custody of digital securities issued pursuant to Regulation D, Regulation A, Regulation S, or registered offerings filed on Form S-1. We have licensed VStock Transfer our “portal” for them to manage holders and affiliates of digital securities, cancel and re-issue tokens if a holder’s private key is lost/stolen, and act as a paying agent to distribute dividends, etc.

 

AT: The third product that you have for STO solutions is KYCWare. There’s been a lot of KYC products that have hit the market, what differentiates yours?

BC: I think one of our biggest differentiators is our methodology and level of security when it comes to the protection of users’ sensitive information. We don’t perform KYC/AML “verifications” ourselves. Instead, KYCWare provides clients with a white-label mobile app solution and back- end portal to streamline the collection of CIP, KYC and AML information without ever sharing sensitive data with a third-party.

How it works is investors or customers are onboarded through a client-branded KYCWare app which incorporates advanced identity verification technology such as anti-gaming video interview solutions, machine readable ‘MRZ’ scans of passports, security hologram checks for IDs, and more unique layers and updates from traditional identity checks.

On the back-end issuers or customers are run through our AMLCop, anti-money laundering software solution. Then all this sensitive customer information is stored in memory until a representative of the company (whether it be a designated KYC/AML representative or broker- dealer engaged by a DSO issuer) downloads and reviews the submissions on an SEC Regulation S-P compliant medium (for example we recommend clients use a FIPS compliant external hard disk). We take this approach because in the eyes of the regulators, the issuer is ultimately responsible for making sure that all investors are properly K YC’d and AML’d, not the third-party who could further outsource the data to be verified.

 

AT: You’ve entered into a software license agreement with Tripoint Global Equities in order to provide them with software support to the BANQ branded security token platform. What is the BANQ platform?

BC: BANQ is the online division of TriPoint that is focused on private placements, Regulation A IPOs and digital security offerings. In addition to supporting the BANQ platform, Globex announced that we entered into a software licensing agreement with First Growth Funds Limited (FGF) to power fully regulated and compliant security token offerings in Australia and New Zealand. FGF is a publicly traded fund listed on the Australian stock exchange and is a diversified Investment company which focuses on increasing shareholder value by making investments across a broad range of asset classes including listed equities, private equity and token offerings.

 

AT: What’s the Globex API?

BC: The Globex API is simply a way for our four software applications to interact directly with Ethereum. Typically, if a company wants to integrate with Ethereum, they could use an open source API or a third-party resource but our ethos for software has always been to create the solutions ourselves. By doing this, if there’s an issue, we have total control over fixing the problem.

 

AT: One of the more interesting offerings on your website is that you offer a ‘Turnkey Financial Portal’ that can be branded to a company’s brand. What capabilities will these financial portals offer?

BC: The branded financing portals offer many benefits. On the front-end, issuers present investors or customers with an on-brand investment process from start to finish, maintaining a sense of trust and a seamless user experience. On the back-end, issuers, and their bankers, experience a hosted web portal where they can securely and compliantly manage their customers and necessary reports with no IT experience needed.

 

AT: You recently had some exciting news with Timeless Luxury Group AG, licensing the Globex full suite of blockchain software solutions to power its DSO, is there anything that you would like to share with our readers about this partnership?

BC: This is a key announcement because it showcases our blockchain software stack’s ability to address all aspects of a digital securities offering. The relationship began with an understanding of Timeless Luxury Groups’ desire to access US capital along with foreign investors in a fully compliant DSO and grant investors the right to a percentage of any future profits.

This offering marks the first offering in the United States to use an SEC registered Transfer Agent for the issuance and custody of digital securities. CustodyWare is being licensed by Timeless Luxury Groups’ designated transfer agent, VStock Transfer, granting VStock the ability to custody Ethereum ERC-20 securities while compliantly maintaining the identity of holders to facilitate the future payment of any dividends in US dollars and any other transfers that the Transfer Agent is responsible for administering (e.g. holds, releases, transfers, etc.).

 

AT: Is there anything else that you would like to share about Horizon Globex?

BC: There is a lot of hype in the industry with companies making claims about what they ‘will’ create, or even more detrimental, making false claims about the capabilities of their existing companies. We like our approach of coming to the market with live and proven software. In two years, our team of developers built out a comprehensive suite of blockchain software solutions that address the full lifecycle of a compliant digital securities offering. With the continued input from our experienced tech, Wall Street and public company executives, we aim to continue developing and bringing to market technologically advanced products that power the next generation of exchanges and securities offerings in the US and worldwide.

To learn more visit the Horizon Globex.

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Oliver Bolton, CEO of Almond Impact Ltd – Interview Series

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Oliver Bolton, CEO of Almond Impact Ltd – Interview Series

Oliver Bolton is the CEO of Almond, a free app that rewards consumers for buying responsible brands and helps them understand and reduce their carbon emissions. They are currently accepting investors for their STO.

AT: What inspired you to launch Almond?

OB: 2 years ago my son arrived (and last month my daughter!), and with the climate crisis I can’t stop thinking about their future and what type of world they’ll live in. I really want to use my time to make a positive impact and have decided to focus on consumption which in the UK represents 50%+ of our personal CO2 emissions

 

AT: Almond has a huge environment mission which includes rewarding consumers for buying sustainable products. Can you tell us what some of these sustainability goals are? Does it involve reducing excessive packaging, sustainable harvesting of products, etc.

OB: Our overarching goal is to help people lower their CO2 footprints by at least 50% over the next decade (with a focus on consumption). Specific assessment metrics are still being developed and will be based on the UN’s SDG. Packaging, ingredients, processing and the LCA of products will all be contributing factories to certification. The foundation will ultimately develop its own impact assessment program for accreditation.

 

AT: Almond will enable consumers to learn about the carbon footprint of each product. Can you elaborate on how this is done and what information will be available to the consumer? 

OB: Using the supply chain data (ingredients origin and production processes) and other product information that is uploaded, we can calculate an LCA CO2 footprint at point of manufacture. We then plan to use a dynamic per mile average CO2 score (to represent storage/distribution/display emissions) to calculate the footprint from point of production to point of consumption to create an estimated total footprint score.

 

AT: What type of process will brands have to go through in order to be selected for the platform?

OB: To start with we are aligning with best in class certification labels in their respective categories. For example ‘B Corp’ in Food & Drink and ‘Cradle to Cradle’ in clothing. Over time we will build out our own impact assessment which will integrate the supply chain data above, accreditation and a detailed business questionnaire to reach an Almond score (run by the foundation).

 

AT: You’re launching with food products initially, what are the other types of products that you plan to add to the platform?

OB: In 2019 we are piloting several cross-sector consumer products including food, drinks, clothing, health, beauty and fresh produce products. We want to include any consumer product (and some services) that contribute to our user’s carbon footprints

 

AT: Almond s launching in the United Kingdom first, what markets will you be targeting afterwards?

OB: The richest 10% around the world are responsible for 50% of CO2 emissions. The wealthiest consumers in developed economies will be our priority. A US pilot is planned for early 2020.

 

AT: The Almond token model has both a security token (ALMA) and a utility token to offer rewards (ALMD). Can you tell us about the use cases of the ALMD utility token?

OB: Due to the structure of the project, the tech and IP is owned by the foundation and can never acquired by a third party. The ALMA security token allows investors to exit their investment post their lock-up periods. We also hope to democratise investment into the project and will make ALMA security tokens available for purchase to the wider community through ALMD reward coins conversion. To clarify, the ALMD reward token is a fiat backed stable-coin rather than utility token. The reason for taking this route is that often products are sold in multiple countries so we need a cross-fiat global rewards currency. This ALMD stable-coin for good also opens up other potential opportunities for the project.

 

Can you tell us about the ALMA security token, and the benefits it offers investors?

OB: ALMA security tokens will offer similar rights to traditional equity such as ownership, dividend rights and are EIS eligible (subject to conditions). We plan to list them on an exchange in late 2019 to provide early liquidity to our investors.

 

AT:  Investors are obviously interested in the business aspect of Almond. Currently, you plan on generating revenue via a ‘Tokenisation Service Fee’ which is a fee incurred by merchants. Can you tell us about this fee?

OB: There are multi income streams, the core being the Tokenisation Service Fee which is charged when physical codes are created to be placed on partner products. The fee structure scales down from 0.5% of the tokenised product’s retail sales value to 0.2% of retail sales value. Other income is projected from marketing and ecommerce solutions.

 

AT:  In a perfect world, where do you see Almond being positioned in five years?

In five years we hope to have a presence in those key countries that are contributing to climate change and an active user-base around the world. We hope to show hard data and evidence that we are helping our users reduce their carbon footprints (in line with our 10-year plan to reduce by 50%) and evidence to show how we have helped responsible brands rapidly gain market share.

To learn more about Almond visit the Almond Website

Investor information is available here

You can find Oliver Bolton on LinkedIn or follow him on Twitter

 

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