Projects admitted to the first cohort

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Habacus S.r.l. - a FinTech operator set up in collaboration with an Italian bank - Bancoposta, pursuant to Article 5, paragraph 1, letter c) of Decree No. 100 of April 30, 2021.

Implementation of a new certification procedure of students' academic performance to be used for processing applications for student loans, for a maximum duration of 18 months.

Cetif Advisory S.r.l. (O-KYC project) - a Fintech operator set up in collaboration with the following Italian banks - Banca IFIS, Banca Mediolanum, Banca Popolare di Puglia e Basilicata, Cherry Bank, Iccrea Banca and Banca Monte dei Paschi di Siena, pursuant to Article 5, paragraph 1, letter c) of Decree No. 100 of April 30, 2021.

Implementation of a new process for carrying out customer due diligence obligations for intermediaries, for a maximum duration of 18 months.

ADM Capital S.r.l. - a Fintech operator set up in collaboration with an Italian payment institution - Fabrick, pursuant to Article 5, paragraph 1, letter c) of Decree No. 100 of April 30, 2021.

Implementation of a technological platform offering financial intermediaries a service for the assessment of creditworthiness, in accordance with the indications laid down in the EBA Guidelines on loan origination and monitoring, for a maximum duration of 18 months.

Vidyasoft S.r.l. - a Fintech operator set up in collaboration with an Italian bank - Banca Sella, pursuant to Article 5, paragraph 1, letter c) of Decree No. 100 of April 30, 2021.

Implementation of an advanced fraud detection service, called "Hands-Free SCA", with the aim of identifying frauds on digital payments in real time, leveraging the exemptions to Strong Customer Authentication (SCA) provided for by PSD2, for a maximum duration of 18 months.

CBI S.c.p.a. - an operator subject to oversight by the Bank of Italy (Article 146 of the Consolidated Law on Banking), pursuant to Article 5, paragraph 1, letter d) of Decree No. 100 of April 30, 2021.

Implementation of a centralized database fed by banking/financial intermediaries to support the checks to be carried out in invoice advance transactions, for a maximum duration of 18 months.

Flowbe S.r.l. - a Fintech operator set up in collaboration with the following Italian banks - Banca Mediolanum, Banco BPM, Banca Nazionale del Lavoro, pursuant to Article 5, paragraph 1, letter c) of Decree No. 100 of April 30, 2021.

Implementation of a new digital payment instrument (called "PayBe") with the aim of simplifying the execution of payment transactions for a maximum duration of 18 months.

Mopso s.r.l. - a Fintech operator set up in collaboration with three Italian banks - Illimity Bank, Banca Reale and Credem Credito Emiliano SpA, pursuant to Article 5, paragraph 1, letter c) of Decree No. 100 of April 30, 2021.

Implementation of a decentralized digital identity system, called "Amlet", with the aim of simplifying customer on-boarding processes, for a maximum duration of 18 months.

Bibanca (Gruppo BPER) - a bank subject to supervision by the ECB, pursuant to Article 5, paragraph 1, letter d) of Decree No. 100 of April 30, 2021.

Implementation of a financing product (called "QuiCash") similar to delegated payments and based on a loan in exchange of the transfer of 1/5 of net wage or pension, for a maximum duration of 18 months.

Cetif Advisory S.r.l. (Tokenization of units of a OICVM fund)- a Fintech operator set up in collaboration with an Italian bank - Banca Mediolanum - and an Italian asset management company - Mediolanum Gestione Fondi SGR, pursuant to Article 5, paragraph 1, letter c) of Decree No. 100 of April 30, 2021.

Implementation of a new method of participation in a OICVM fund, managed by Mediolanum Gestione fondi SGR, through distributed ledger (DLT / Blockchain), for a maximum duration of 18 months.

Cetif Advisory S.r.l. (Tokenization of units of a UCITS fund) - a Fintech operator set up in collaboration with an Italian asset management company - Mediobanca SGR - and an Italian bank - CheBanca! - pursuant to Article 5, paragraph 1, letter c) of Decree No. 100 of April 30, 2021.

Issuing and placement of units of a UCITS through a distributed register (DLT/blockchain), alongside the traditional processes, for a maximum duration of 12 months, which may be extended (pursuant to art. 17 of the Decree).

MSD Solutions S.r.l. - a Fintech operator set up in collaboration with an intermediary registered in the Register of Financial Intermediaries pursuant to ex-Article 106 of the Consolidated Banking Act - Dynamica Retail - pursuant to Article 5, paragraph 1, letter c) of Decree No. 100 of April 30, 2021.

Implementation of a digital platform (called "LoanXchain") for the tokenization of receivables and the transfer of tokens generated thereby through a distributed register (DLT), for a maximum duration of 18 months.

Sandbox S.r.l. - a Fintech operator set up in collaboration with an Italian asset management company - Azimut Capital Management SGR - and two banks - BNP Paribas Securities Services (Milan Branch) and Banca Valsabbina - pursuant to Article 5, paragraph 1, letter c) of Decree No. 100 of April 30, 2021.

Implementation of a digital platform for the issuing of participative financial instruments, pursuant to Art. 2346, paragraph 6, of the Italian Civil Code, through a distributed ledger (DLT), for a maximum duration of 46 weeks, which may be extended (pursuant to Art. 17 of the Decree).