"This project is to help patent our ideas that are in the area of a multi-trillion dollar global industry we describe as ""Digital Money"", in which new channels and technologies are radically transforming the way we pay and thus enhancing the quality of lives. Our ideas include new ways to manage remittances and payments through the use of technology and architecture developed by us, to specifically address important gaps that we've found in the market."

Financial markets have transitioned in the past decade towards systematic or algorithm-based trading. This has provided a means of harnessing short term, high volume markets in options and derivatives. However, there remains a pressing need for financial traders and fund managers to gather and understand information on market sentiment in order to make mediumto- long term investment decisions. The proposed product is a web-based news integration system that gathers thousands of news articles and examines them using natural language processing algorithms. This results in both a quantifiable measure of the sentiment of the article towards its subject as well as far more sophisticated analytics, such as the suggestion of links between concepts. As a use case, fund managers may use this service to analyse the news coverage of any firm or commodity, seeing the average degree of optimism in the subject, the magnitude of variance in opinions and the degree to which sentiment correlates with the historical market performance. They will also be able to see a list of concepts that were frequently referred to in articles relevant to the subject and a suggestion of how they might be related. For example, if several articles claim that conflict in Syria is the cause of rising oil prices, the proposed system will link the concepts ‘Syria’ and ‘Conflict’ to the object ‘Oil’, with a label that indicates the positive relationship. This allows fund managers to quickly identify otherwise obscure relationships between potential investments without having to study numerous news articles. The product will be a useful compromise between the quantitative, ‘wisdom-of-the-crowds’ approach of social media analysis and the focus and relevance of labour-intensive desk research. This project will determine the potential market size this product could exploit.

A digital money agent network serves as the bridge for people to transfer money as payment or to other people. Any transaction traces a path through a giant and extremely complex network of global agents – the Agent Graph. We propose to create a shared compliance service to dramatically bring down the cost of compliance, enable far more specific and dynamic targeting of rules, improve compliance monitoring, reduce risk of non-compliance, increase competition by creating a more level playing field for free agents, and improve access to digital services for a much larger part of the disenfranchised population by enabling a dramatic growth in the Agent Graph while still keeping it manageable.