Humaniq is an innovative blockchain based financial services company, with its own cryptocurrency, whose aim is to combat poverty in emerging markets. Humaniq wants to provide greater access to financial services to the masses of people that are unbanked and are excluded from global economy. There are over one billion people that do not have access to traditional banks. Humaniq allows these users to open an account with only a smart phone and basic internet. Their platform has a simple and intuitive interface that requires minimal reading. Users are verified through facial and voice recognition, eliminating the need for formal documentation. Humaniq encourages third party integrations and enables projects to offer their services to an expanded audience that was previously nor reachable. Humaniq also operates an independent fund and accelerator to support projects designed to help the unbanked.
The network is powered by the HMQ token, that allows holders to become co-owners of a decentralized bank.

Polybius is building a currency-agnostic ecosystem enabling more control of personal finances. Polybius claims that its platform will combine banking with other technologies, such as: Big Data, IoT, and Blockchain. Polybius aims to create a Digital Pass solution, that will empower users with control over their digital identity across several industries. The company raised $31 million in an ICO, and is currently working to implement its technology in Belgium.

BABB is building a decentralized banking platform that will offer peer to peer banking services to the under-banked. The UK-based company is applying for a banking licence and is also exploring the possibility of registering in Lithuania. Their blockchain-based banking platform will use AI to assist in KYC compliance, and will implement a digital ID system that uses biometrics. BABB's network is powered by the Ethereum-based BAX token.