About Monty

Monty Munford has more than 15 years' experience in mobile, digital media, web and journalism. He is the founder of Mob76, a company that helps tech companies raise money and exit. He speaks regularly at global media events with a focus on Africa, writes a weekly column for The Telegraph, is a regular contributor to The Economist, Wired, Mashable and speaks regularly on the BBC World Service.

Ransu Salovaara, CEO, Likvidi – Q&A


Likvidi, the Finnish word for liquidity, is creating a new market that connects green finance with blockchain, a sector that, surprisingly, has received little publicity compared to other projects and earlier first generation ICOs.

In this Q&A he explains the huge opportunities for this meeting of money and technology and is convincing in his argument that Likvidi is about to transform the sector.

Q: Welcome to the Mob76 Outlook audience, Ransu, tell us what you’re trying to do for the planet 

Ransu: As we all know, climate change is a huge challenge for humankind. But what you maybe do not know is that the financial markets will play a major role in fixing this. 

Professional investors around the world will do two switches: 1. divest from the nasty stuff such as fossil fuels, unsustainable agriculture and internal compulsion engine based transportation 2. Have new investment thesis and/or mandates where sustainability is one of the key principles on investment decisions.  

In the sector of green finance, one of the main questions will be whether these investments really are green or are they just so called ‘greenwashing;? 

Here comes a real, future-proof user case for blockchain. We can use blockchain to store and track sustainability and financial data and this way create immutable track records for green instruments such as carbon credits and green bonds, which are the two fastest-growing sectors in green finance. 

This transparency is a crucial part of increasing investors’ trust in green investments and actually saving the world instead of just talking about it. 

Tell us more about the history of green finance 

Ransu: Green finance has been around for about 15 years, but the sector really got going about six years ago with the Paris Agreement. As almost 200 countries agreed on drastic measures towards sustainability, the market for green bonds and carbon credits got its first shake-up. 

Fake carbon credit and wishy-washy green bonds had to be replaced with something more solid. While the market indeed improved with more serious players coming in, better audits and reports, the past six years have still been a coming-of-age period for green finance. Now the market is ready for reen Finance 2.0. 

Green Finance 2.0 is all about going mainstream as a combination of increased investor demand (both retail and institutional), fintech/blockchain, improved regulatory frameworks and the market learning from the past mistakes.  

So what do you actually do?

Ransu: We do two things: 

  1. We work with farmers, landowner and managers around the world to turn their carbon capturing efforts into tokenized high-quality carbon credits that have all the crucial data attached to them offering the best possible transparency, auditing and tradability. These life-improving Carbon Credits (LiCC) will be soon available for individual and for companies who are looking to offset their carbon footprint.

  2. We also help utility size solar parks and wind farms to raise capital so that there will be more renewable energy available for everyone. The energy market will be more decentralized as cities, communities and even houses will have their own renewable energy sources and parties will trade electricity very efficiently 24/7. The green bonds that we issue will have all the sustainability data on blockchain and as they are digital assets, they are ready for DeFi as the market evolves. 

So are you a tech company?

Ransu: Yes, we are a green finance fintech company. Over the past year or so we have built an investment platform on Ethereum that is a unique combination of traditional finance market features and digital assets/securities management.

So, let’s talk more about carbon credits. What are they and what is innovative with your approach?

Ransu: A carbon credit represents the right to emit a measured amount of greenhouse gases (GHG). Carbon credits work as a certification that business or individual owning them is counterbalancing the emission of greenhouse gases (GHG) aka carbon footprint.

What we are offering is a tokenized version of an actual carbon-reducing credit. This means that we have worked with our network of partners such asforest owners and farmers who capture an increasing amount of carbon and turn those actually life-importing carbon credits to tokens. 

Why tokenization is important:     

Ransu: Carbon credit market has been somewhat shady in the past. It’s been hard to figure out if the credits are real and also there has been double spending issues. 

With the help of blockchain we can increase transparency and make sure the retired (offsetted) carbon credits can’t be resold anymore but they are “burned” as the cryptomarket likes to call it. 

Also, as the carbon credit market is growing it’s important that they are easily tradable that is what tokenization will do that.   

How about the energy markets? 

Ransu: One of the most important things that we can do for climate change is to move away from fossils. The future of the energy market is pretty much the same as the future of the financial markets: decentralisation

As we move to renewable energy,he energy market will be more based on smart grids and therefore be more accessible for the small players. Every electric car can play a part on smart grids.

For us, the first product is the Green Bond Launchpad. This all-in-one platform enables renewable energy projects and companies to raise money via green bonds faster and more cost efficiently. We can be up to 90% cheaper than the old way of issuing these debt instruments. We work with top notch third-party verifiers and administrators to make sure the green aspects are real. 

This year the global green bond market is up 39% and the estimate is that the total issuance will be about $375 billion US (Moody’s projection).    

What about DeFi?

Ransu: DeFi is very exciting for us as we are creating carbon credits and green bonds that are tokenized and transparent and therefore ready for the DeFi market. 

What needs to happen next is that the DeFi market expands to the real-world assets. MakerDAO has now had couple proposals on this as a USA based solar park funding and now the Sociate General’s $20M MakerDAO loan with bond tokens as collateral.   


My guess is that we are about 1 year away from working with leading DeFi platforms to finance renewable projects that can pay 5-10% interest for green sector investors and have assets and power purchase agreements as collateral.  

Thank you, for sharing your vision with our audience. We look forward to seeing how your progress

It was my pleasure, happy to add value

Blockchain Book Review: Chain Reaction


Chain Reaction – How Blockchain Will Transform The Developing World is an important publication that strips away the focus on technology and puts the emphasis on culture and how blockchain will change the way emerging countries operate.

Written by Paul Domjan, Gavin Serkin, Brandon Thomas and John Toshack, the book is essentially a collection of essays that point out the benefits that blockchain technology can bring to countries that need a more equitable way of operating.

The disparity in some of the poorest places in the world is an insult to anybody who considers themselves human and the immutability of blockchain means that any corrupt organisation or politician cannot buck the ‘system’.

The book also points out the wider implications of blockchain in other parts of the world and for those who are not completely familiar with the subject, it is also an excellent guide to what blockchain is, not just a bunch of disconnected chain or two… and in these examples, nothing to do with Bitcoin speculation or all the nonsense narrative that surrounds this New World.

At 110 pages, it’s a short book but covers eight subjects in detail such as comparing blockchain to the railroads of yesteryear, explaining who ‘really controls blockchain’ and what blockchain actually solves.

I am familiar with the subject of the emerging world and the opportunity blockchain offers after speaking at many conferences in Africa in places such as Lagos, Accra and Johannesburg about how it can bring about positive change.

Whether it’s preventing blood diamonds, child labour or work conditions, some companies are already harnessing its power and they are mentioned in this excellent book.

This is essential reading for those who are new to blockchain and those who are experts in its implementation as well as reinforcing ideas that people such as me already have. I hope it reaches a wide audience. Long live blockchain!

SiennaSwap will launch October 7th 1pm UTC 🚀🚀🚀

Early birds will earn high yields from liquidity farming


SiennaSwap is dropping – and in the best possible way. After the extraordinary raise of $11.2 million in private and public sales earlier this year and the inevitable delay in launching software, this is probably the development update everyone who contributes to the Sienna Network has been waiting for.

Wen launch? 🚀 Wen lunch? 🌯

Move your eyes a few inches down now ⏬

SiennaSwap will launch October 7th 1pm UTC!! 🚀

What will happen in the days up until launch?

  • A final testnet version was uploaded on Monday, September 27th
  • Preparing support for the IBC mainnet upgrade in October
  • Marketing push
  • Front end penetration testing

Sienna’s Automated Market Maker, SiennaSwap, is a privacy-first, cross-chain decentralized exchange where users can swap private tokens in complete privacy.

Sienna Swap runs on Secret Network, which is the first blockchain with privacy-preserving smart-contracts with high scalability and low fees. Transactions are executed almost instantly, and with privacy combined, front-running is effectively mitigated.

While being 100% private, Sienna also provides low transaction fees due to the inherent blockchain scalability Sienna utilises.

Users can swap any private SNIP-20 token at Sienna. If they do not have private tokens yet, they can use the bridge to exchange their tokens for the private equivalent. They can always be convered back again.

This will enable users to trade through SiennaSwap and much more besides.

Other things that happened last week:

  • More work on SiennaLend (everyone internally is hyped about the way it looks 🔥)
  • More work on SiennaSwap 2.0 front end (launch of the new design is expected to be a few weeks after SiennaSwap
  • Awaiting Coingecko adding circulating supply / market cap data. Should happen soon as they have received an API source to use.

Get ready! It’s happening! Remember the early birds will earn high yields from liquidity farming.

Sienna launches wrapped token on Binance Smart Chain

Sienna Network, a decentralized privacy-first Decentralized Finance platform built on Secret Network has launched its wrapped BSC-token on Binance Smart Chain with the token address at the end of this post.


This is another step, following the similar launch of the ERC-20 wrapped SIENNA token earlier this year, for the foundation’s strategy to be fully available across multiple chains followed by additional bridges – such as to Polkadot and Terra at a later time.

Earlier this year, Sienna Network raised $11.2 million in private and public sales and has recently been featured prominently in Tier One Media such as Forbes, The Times, TechCrunch and Yahoo Finance! as well as major crypto outlets and podcasts.

This makes SIENNA available to users in the fast-growing Binance Smart Chain ecosystem, and will be followed by listings on BSC-focused exchanges

The goal is for the coin to be available across multiple blockchain ecosystems, widening the access to Sienna’s privacy preserving products built on Secret Network that is launching soon.

You can bridge the coin from Secret Network to the same on Binance Smart Chain and back on https://bridge.scrt.network 🌉

👉 SIENNA (BSC) Token Address: 0x130f6e4d338bfd8304f5342d759abe5c6bd7ba9b

The foundation is a cross-chain, privacy-first decentralized finance protocol built on Secret Network, that enables trustless financial instruments, such as trading and lending with complete privacy for multiple blockchain ecosystems.

What blockchain is it built on?
It is built on Secret Network the first blockchain with privacy-preserving smart contracts, or “secret contracts” that have encrypted inputs, outputs, and state.

Read more about Secret Network at https://scrt.network

More on Social Media and beyond

🖥 Website: https://sienna.network/

💬 Discord: https://discord.gg/jZk8ggm7XP

💬 Telegram: https://t.me/GoSiennaNetwork

🐦 Twitter: https://twitter.com/sienna_network

👥 Reddit: https://www.reddit.com/r/SiennaNetwork/

📰 Blog: https://medium.com/sienna-network

Prsnt raises $290K investment for gifting app

Brighton-based tech startup Prsnt has raised $290K in early funding to expand its gifting app that helps consumers celebrate friendships in an immediate and exciting new way.

Available on the App Store and Google Play Store, the company’s ‘mini-gifting concept involves sending affordable, meaningful gifts redeemable from shops, cafés, pubs or online retailers – all for the same price as a birthday card and a stamp.

Prsnt has partnered with more than 100 of the UK’s most-loved high-street brands, including  Costa Coffee, Amazon, The Body Shop, Nike, Deliveroo, Red Letter Days, All Bar One, Spotify and many more. This means that no matter who the recipient is, the gifted will be able to find a great gift for that special person.


“What we’re trying to achieve is a modern way of gifting, removing all the bottlenecks in terms of hassle while also addressing sustainability. We achieve same-second delivery, so it’s perfect for a friend’s or family member’s birthday or you don’t want the delay of sending something in the post,” said ,” said Omid Moallemi, Co-Founder, Prsnt.

The app reminds users when their friends’ birthdays are, and lets them send a gift – perhaps a coffee or glass of wine – and a personal video message straight to their phone when they can’t be there with them in-person to celebrate.

Once the recipient has received their gift, they can redeem it from their local outlet or online, removing a huge geographical barrier to gift sending and receiving that currently exists for most people.

Prsnt Co-Founders Omid Moallemi and David Parr were working as Co-Directors of a marketing and design agency when they began developing Prsnt. They share a co- working space in Brighton’s North Laine with technology developer Hamish Page, marketeer Louis Wren, and IT specialist Dan Hamilton of Source 3 Media. The two teams joined forces to combine their diverse skill sets and build Prsnt in September 2019.

In March 2020, the Covid-19 pandemic served as a catalyst for the Prsnt team to pivot their efforts to developing the app full time. By June 2020, the app had received an initial round of seed investment and the final months of 2020 saw the app gain its initial test market through peer-to-peer referrals.

Likewise, if lockdown restrictions were to return, Prsnt has enormous potential for helping people stay connected with digital mini-gifts that can be redeemed from online retailers.

Google Circle
Join my Circle on Google+

Plugin by Social Author Bio