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Mobile Banking

Financial services companies can use HABN for instant payments and transfers anywhere in the world. Decentralised Apps can be used to transfer currency, tokens, or file hashes from your internal company network, through the public blockchain, and into another company’s network.


HABN allows you to launch your own tokens or cryptocurrency. Tokens can then be customised via smart contract functions. Particular emphasis has been put on the setup of ERC20 tokens and more recently, Security Tokens.


Blockchain applications can help in post-trade clearing, payment and settlement. Trade matching occurs at the rate of hundreds of transactions per second but clearing and settlement of stock takes more than two days to complete. HABN provides the infrastructure to re-design and re-engineer the current exchange systems.


HABN allows the set up of trustless accounts to manage transfers of currency, tokens, data, or any other assets. Decentralized escrow accounts allow for reduced risks and lower transaction fees.


Within the insurance sector, the claims and finance functions are high-value areas where blockchain could be beneficial, especially concerning processes that need ongoing reconciliation with external parties. Insurance companies regularly have to process and manage claims against other companies, resulting in the exchange of money, typically in the form of a paper check or an electronic transaction. A blockchain-based solution could be a completely automated and decentralized solution which would eliminate most of the inefficiencies associated with this activity.

Business Management

Logistics and Supply Chain

From reduced paperwork, visibility and transparency, traceability of goods (food, pharma, etc) to reduction of fraud and theft, the blockchain technology is bound to change these sectors in the coming years with the use of smart contracts.


Blockchain will allow for an accumulation of data from multiple authoritative service providers into a single, cryptographically secure database. KYC verification through this type of architecture has the ability to be faster, more secure and more efficient than current verification procedures. This, in turn, will allow the public to better trust these systems with their personal data.


One of the clearest use cases for Blockchain tokens is as a replacement to the points systems used in loyalty programs worldwide, providing higher transparency, interoperability, liquidity, trust and security.


Using information in the Blockchain network, automatic accounting shows big promise in the transfer of ownership of assets, and maintaining a ledger of accurate financial information. The accounting profession is broadly concerned with the measurement, communication and analysis of financial information.

Secure Data


With the increased cases of identity theft and data leaks all around the world, identity management issues are becoming more prominent. The blockchain technology provides an alternative way of authenticating people within a decentralized and trustless system.

Land Registry

The real estate sector is beginning to explore the benefits of the blockchain technology. The latter is being considered for use in land registration systems because of its immutability feature along with its inherently secure way of transfering assets from one owner to another. Smart contracts also allow these systems to follow any regulations that are applicable.

Certificate Issuance

Blockchain technology can serve as a decentralized, permanent and unalterable store of all types of information or assets. Unlike traditional systems, blockchain-based systems are fully programmable and can be designed to add as many features and functions as necessary.


It is the property of immutability in blockchain that gives users the assurance that their wealth and information cannot be tampered with. Such an “assurance” is normally given to us by middlemen including banks, schools or any other central authority. Without choice, we often take them up on that assurance, and bestow our trust upon them. Blockchain aims at changing this system by integrating robust and integrity-based systems to verify the authenticity of information.

Decentralised Organisations


Although stock trades are often made in milliseconds by algorithms, completing them involves co-ordinating payment and delivery among a mess of databases and then reconciling the records. In big financial centres, trades take two full days to settle. Stock exchanges are starting to consider blockchain’s distributed, tamper-proof ledgers and immutable and transparent transaction records to speed up and simplify the process. Blockchain also shows great potential for commodities exchanges.


Blockchain technology, among all its benefits, can be best put to use by providing provable milestones as contingencies, with smart contracts releasing funds only once milestones establish that the money is being used as intended. By providing greater oversight into individual campaigns and reducing the amount of trust required to donate in good conscience, crowdfunding can become an even more legitimate means of funding a vast spectrum of projects and causes.

ICOs and STOs

ICOs (Initial Coins Offerings) are a popular new way to raise funds and distribution of new tokens or currencies. To hold an ICO, a company needs to create digital coins that represent a share of the company. The company trades these coins for other cryptocurrencies directly with any party who wants to hold them. Horizon Africa allows the easy creation, distribution, and trading of coins and tokens. Lately, STOs (Security Tokens Offerings) has taken more prominence as a regulated way of raising money through the blockchain technology. Smart contracts provide all the functions necessary to make STOs efficient and easily manageable.


Mobile voting using a safe and tested interface could eliminate voter fraud and boost turnout. Using blockchain, all data of the election process can be recorded on a publicly verifiable ledger while maintaining the anonymity of voters, with results available instantly.