Are Banks Already Too Late?💰Martin Masser INTERVIEW🏛️ChangeNOW

0:00Save with digital deals at Vons and Albertsons. This week at Vons and Albertsons, Ginny O, 93% lean ground turkey is 399 per pound, sold in a 3 pound tray with digital coupon limit two packages. And a 1 pound package of strawberries is 199 with digital coupon. Plus Kellogg's giant size cereal, 22.6 to 29.5 ounces, selected varieties are 299 each, with digital coupon limit three. Hurry in! Visit Vons or Albertsons.com for more deals and ways to save. Our bank's too late to get into the crypto market. Today we're going to be breaking it down with an industry expert who has been on both sides of the coin. And let's just get right into it. As you guys know, the announcement of change now brought on Martin Maser, who is planning to come on, has come on into the crypto super app. And this is something that we have started to see. And that is banking industry people starting to make their way from tradfi over into the crypto markets. So we wanted to get Martin on the show and just jump right into today's topic.

1:03Martin, how are you? Very nice, warm welcome. So yeah, thank you for having me. How you keeping pool good? Good, can't complain. We're, of course, watching the market right now, obviously with what seems to be catch up on just about everybody in terms of how banks are responding to what's happening in crypto. And many of the things we'll talk about today, just a little bit on change now, though, before we get started. With your platform with change now, because this is something we see a lot of tools being used. I know Tangem is one of the partners that use you guys among many other wallets out there. But I'm kind of curious. When you look at you coming from the banking industry and then getting a chance to work with something like change now, what would you tell a bank that was trying to get into crypto today after you've seen kind of under the hood here today? It's a really good, got it, really started off with a good question. I think a lot of the time you have to understand there's a lot of areas of banking that have legacy software.

2:06Yeah. I think, I think was it McKenzie sort of said only 10% of tech goes for innovation. And then there's like 70% that still works on that legacy. And I worked on a lot of software projects. Some of that was removing the legacy software. A lot of the time it just couldn't. I think banks are very, very cautious about bringing any of the new tech in. I would obviously just say there's so many things that the blockchain technology can help, which a traditional bank has a lot of issues from settlements to a lot of this back office, mid office speed, basically. So Martin, do you think that it is a situation right now that banks are so, because we've seen this in other industries, retail industry, the restaurant industry. I've been involved a lot on retail systems. And a lot of times those systems are just so old and legacy. You almost have to scratch, start from scratch.

3:08Do you think that's kind of what's being done right now in the banking industry? From my experience, bringing in any new tech takes a very long time. And there's so many other dependencies down the line that sort of relies on the tech. So I think a lot of people just can think, oh, look, blockchain settlement, that's amazing. Why doesn't a bank just use it? Well, it's not as simple as just like let's put that in. Even you have to have legacy software to reference a settlement. So there's a lot. This has still been going on for about 10 years. But this is why you've got the neo banks doing so well with this speed of being able to implement a lot of that stuff there. So yeah, it's exciting times because we have a means to sort of speed up so much of this financial slowdown of even sending a payment. And I don't think people realize because people are so useful, used to the demos or the revolutes or just being able to send money within seconds.

4:09The bigger banking transactions, not even going through Swift and multiple other ways, takes a long time to settle. And there's lots of steps that are involved in that. That can be sped up with this technology. But remember, the Swift is like 1971, 72, maybe 75. It's a long time. So yeah, you know, it's had you replace a lot of that stuff. When you look at, because this was something, this was a data point that I was surprised with. This came from the National Cryptocurrency Association. And it stated here that nearly one in three US holders wanted to see crypto integrated into systems. They already know and trust like banks. First of all, I'm surprised that it's one in three. That's 30% of people out there. And I don't know guys, if you guys are watching this right now, drop in the comments down below. Would you trust a bank with your crypto, or would you want to stay with what has been already set up out there in the rails? What do you make of that?

5:10I think that number's low or high then, Paul. I think that's extremely high. I would say, I don't think so too. I don't think so too. It could be. I'm more on the fence that it could be as low as 10%. As low as 10%. Now I might be in that crypto bubble, because I'm one of those people that would never trust a bank in my crypto. I honestly, I think this is the issue, but a lot of the times we're in this bubble of a bubble, probably of a bubble. For sure. So in there, probably like the self-custody. And yeah, all understanding all of that, whereas the average person that has a touch point of crypto, they just want to be buying it on my phone again, Revolute, the amount of people that I know that just get crypto and Revolute, just because it's there, that is now a bank. So in theory, you're getting the crypto through the Revolute, which is now on a bank account. Well, I would say though that bank is something like a neo bank. That's a bit of a different. What I'm talking about is true iconic tradfie.

6:12What I mean by that is something like a Wells Fargo, a city bank, you know, a JP Morgan. I still think people do trust banks. There is that element there where they would rather, if they can have access to crypto, they would. And they're going to have it in a way that's easier to do. That's from a lot of whenever I ask people like, how can they buy it? It's to again, there's a lot of steps that get involved. And there's a lot of terms. I'm pretty sure it was just to buy crypto by Bitcoin. Yeah. Yeah. Well, and I think, and I think what you're dealing with is the normalization of what crypto is happening and doing right now. Even within the banking in Australia, you got 21 banks now that are not just building a stablecoin. They're actually fighting for control here. Now, this would be something that will be interesting to watch. And I'd love your opinion on this. When you look at the success of USDC circle, the success of a handful of stablecoins,

7:13including Tether, one of the most profitable financial companies out there, even above someone like a JP Morgan, when it comes to a number of people, do you think that a centralized banking stablecoin will be a success in the short term? And I say in the next five years. That's a tricky one. That is a tricky one. Would it be a success? Need to do, near enough to find success. Will it be taken up maybe by bigger industry with the traditional person care about that? I don't, you know, a lot of people I know with stablecoins, they absolutely love their stablecoins. They understand it with their use and other one. I think just in case people don't understand the use of stablecoins, just imagine a company in Europe, they want to pay a supply or an Asia, lay on a Friday in the traditional banking. It would take so long. It would probably be Monday or Tuesday, by the time that would come by the all the windows or opened up. Obviously just, if you think about what a stablecoin can do

8:15where it can be just completed in minutes, they have the dollars in the account. It's all sorted. That's huge. Exactly. I would say, it depends on the banking system of how these banks come together with the stablecoins. I know there's a lot of crypto-traditional people that would be like, no, no, no, that's really wrong. Whereas, you know, is it insured? How does order that? How does that get worked? And when you've got, I know huge amounts of assets, commodities get used by stablecoins. Right. Would these companies be prepared to sort of use the government based or a banking based one? Probably, they would. Well, and I think what you're dealing with is companies like Robin Hood, who has been able to really integrate stablecoins in an inefficient manner. The likelihood of onboarding them and slowly bringing people into this ecosystem from a trad-fied standpoint, even though Robin Hood, I would put more, not necessarily on a neo bank, but I would get more in the middle

9:16of next-generation finance. And they do take it quite a bit different. I guess the real question will be, will global banks out there that do deploy stablecoins? Are they going to be successful? Especially if you look at this right here, Martin, and that is with the OCC, okay, three different digital asset firms out there for trust bank charters. And many of them, you guys know I'm a move, we've had everybody from Ripple to Coinbase involved in this. So when you look at that growth of OCC charters changing the idea of what banks might become in the future, is that going to create a lot more real competition in a new technology that they understand versus old banking who doesn't understand it? I think you'll probably see as what we've probably experienced and probably in your whole time of knowing your tech as well, Paul, you'll probably have a lot of competition, you have a lot of, I would near enough feel that they would consolidate. That's what I would feel there.

10:16As we're probably going to be seeing a lot more now in the crypto industry, there's going to be a lot more consolidation. I feel there's going to be a lot of movers out there that are going to probably be issuing. We see now, at the moment now, the amount of stable coins that we're seeing there, and there'll probably be some form of consolidation within that. Interesting. Okay. Martin, okay, well let me ask you this. Where would you keep, if you talk about, just look at the treasury for change now. Would you choose something like a circle and USDC to hold that treasury, or would you go with maybe a major bank that says, okay, now we're offering a JP Morgan coin. That's probably above my pay grade. Sorry. I need to tread very carefully, probably with that question. But I think the great thing about it is we're having a lot more choice. So it's not just one option. Like back in the day, I don't know if you remember that there was Tether very late in the day. This wasn't like a very, this wasn't when Bitcoin was out.

11:17And I think actually we're very lucky now that there's multiple, you know, we've seen what's happened now with circle. But then Tether sort of come back. Tether at one point was very fun. Very like it's going to go to zero. There's like, you can just look at videos probably even about five, six years ago. It was a lot. Why don't it must change for Tether to be now? So obvious. It's crazy. It's so. Yeah, I think they got a little bit inside the Trump administration. And successfully so, and figured out a way to get onboarded into the United States, which is always been my argument is that the path to any kind of major market growth is going to come through the US. Just because the market here is just ridiculously large. Just flea gray. Yeah, and you look at circle. Obviously they're getting their OCC. They're full trust bank charter nod. This puts Jeremy on the top of the hill here with being able to really compete with bigger banks. Save with digital deals at Vons and Albertsons. This week at Vons and Albertsons, Ginny O, 93% lean ground turkey is 399 per pound.

12:20Sold in a three pound tray with digital coupon limit to packages. And a one pound package of strawberries is 199 with digital coupon. Plus Kellogg's giant size cereal, 22.6 to 29.5 ounces, selected varieties are 299 each with digital coupon limit three. Hurry in, visit Vons or Albertsons.com for more deals and ways to save. Meet the Red Bull Dragonberry Emergeizer. It's one of the many new drinks out now. Who knew ice cold drinks could be so fire? Try them all only at McDonald's. Save with digital deals at Vons and Albertsons. This week at Vons and Albertsons, Ginny O, 93% lean ground turkey is 399 per pound. Sold in a three pound tray with digital coupon limit to packages. And a one pound package of strawberries is 199 with digital coupon. Plus Kellogg's giant size cereal, 22.6 to 29.5 ounces, selected varieties are 299 each

13:20with digital coupon limit three. Hurry in, visit Vons or Albertsons.com for more deals and ways to save. Meet the Red Bull Dragonberry Emergeizer. It's one of the many new drinks out now. Who knew ice cold drinks could be so fire? Try them all only at McDonald's. Save with digital deals at Vons and Albertsons. This week at Vons and Albertsons, Ginny O, 93% lean ground turkey is 399 per pound. Sold in a three pound tray with digital coupon limit to packages. And a one pound package of strawberries is 199 with digital coupon. Plus Kellogg's giant size cereal, 22.6 to 29.5 ounces, selected varieties are 299 each with digital coupon limit three. Hurry in, visit Vons or Albertsons.com for more deals and ways to save. That'll be the question I have, especially if you look at the U.S. government now starting to give a lot more interest in how crypto is going to be used.

14:24And most likely are going to deploy a lot of these crypto companies that are very oriented to almost the AI side of things. What do you make of that when you look at what's happening with this U.S. administration and their acceptance of crypto as it is today? I think we definitely were very bullish about the administration coming in. And that's definitely cleared up a lot of ambiguity. There's a lot more plans have gone forward. So a lot more people will feel there's less of this risk. I didn't again, like four years ago, people weren't moving ahead with projects because they were very worried, are we just going to wait some money or are we going to, is there going to be consequences against us? And I feel we've definitely moved forward on this. So the landscape's a lot easier. And now, I can't see even if there's a change in administration in the next couple of years, you can't roll a lot of this stuff back. You know, like it's not going to happen. So you've definitely opened up the gate. You've opened up the gate for innovation.

15:24You're seeing a lot more companies entering. I definitely think there'll be a pullback from AI back into crypto. I think I'm even seeing it now. There's a lot of people that were moved over to AI and now starting to slow to come back into crypto, especially in the last four weeks as well. I'm getting a lot more people just talking, maybe I shouldn't go fully into AI. But I do definitely think the opportunities are greater now just with the landscape that's happened. Do you think that, okay, with that being said, do you think that the advancement now of crypto companies becoming banks or banks becoming crypto, you know, oh geez, which one do you think is going to happen first? Do you think it's going to be the crypto companies becoming banks or banks coming into crypto? I think it's the crypto companies coming into banks. Obviously, this is my opinion. I think it's just easier to move. I really wouldn't be surprised if we don't see anything in the next two years where

16:27we're going to start seeing a couple of steps in that. I'm not going to say full bank, but again, like if you would have told me, I don't know, the neo banks would be getting full banking licenses. I think people would be surprised. And now it's, it's happened and no one's even sort of batted an eyelid about that. Right. What do you think about Robin? Because their path originally was maybe we were going to become a bank and then they kind of backed off that and ended up partnering. They have all kinds of banking services. They've got insurance on much of these funds that are being offered to their, you know, their customers. They've got Visa and debit cards available. They've got a full-blown banking app now that is usable. That's almost a bank without being a bank. What do you think about that? Yeah, no, no, I'm just... Philippe, I definitely think that's an easier route as well. Making sort of tests what products work. Again, we're talking about change now being the super app.

17:29There's so many apps that we have now that don't just do that one thing from even like the Ubers, you know, who would have thought when Uber came out back in the day where you'd just be getting it as a taxi, that you get... there's a whole industry that comes off the back of that from all the deliveries, for the food, to the cleaning. And we see that obviously even Dubai with Karim from the WeChat. Robin Hoodon will be seeing a few others. Again, the neo banks in the UK that I'm very familiar with, they're often more multiple services as well and I think it's easier to sort of not build it yourself, you know, have other ways of dealing with that. Yeah, for sure. I'm looking at vaults because this is something we've been tracking for a while. The growth... Yeah. I mean, they're, you know, absolutely exploding. If you know where to look and you know how to do it, but this was Morgan Stanley's head of digital assets. Amy, she was talking about that there is a very reasonable path for vaults to become a part of the future, although the technology is still too early to put directly on a bank's

18:32broader platform. So again, this gets to my point, which is banks are still so far behind on what could be one of the biggest products out there, and that is evolved. The vaults have become relatively a big thing very quickly. I think, I'll say even in the last 12 months, it's completely gone from like not even known there. Again, I think this is where you've started to get a lot more complicated and complex financial products becoming more mainstreaming crypto. I think this goes back to the democratizing crypto back in the day of like you'll be able to have certain products a lot easier, you know, why should it be behind a firewall. Vaults are looking good, you know, like every third call I'm having is about vault or like how do you support a vault, you know, like what is that? At the moment, it seems to be a top down where a lot of companies that thinking vaults are going to be big. It's going to be interesting to

19:36sort of see the retail appetite for that. Is it going to be real appetite the vaults? Yeah, I think that's the question is if retail does come on, if we do see some major shifts here around banking, vaults are probably going to be one of the key draws for major retail to come on, especially if you look at even what Robinhood has done and other, I'm sure what you guys are going to be doing as well in terms of just making products available and being able to pay some of these crazy yields that are out there. So that's something that we're watching very closely. Another thing we're watching closely is how Swift is managing in this because this, of course, gets into big money movement. Swift blockchain ledger now is ready for use by 17 different banks. This was their pioneering effort, but this was something of a statement that I thought was interesting and it said Swift and its community is existing rails, utilization of this. 75% of payments on the network reach beneficiary banks within 10 minutes and often in seconds. So

20:38here's my question is how is it only 75% if you're out there operating? I would think does that mean 25% of my transactions fail or get lost or how does this work because that does not have a blockchain? It does again working on the banking floor when I was the amount of times a transaction would have to move through a network. So you're going from the front office to the middle office, all of this has to be approved and then go to the back office to get confirmed and settled. It's, as I said, it's a very interesting way when you look at how crypto and blockchain is because we're just used to having that done in instantly. If you saw there though, you look at all the banks that are involved in that, they're big names. You can see the power behind this stuff when you're having these banks and then why are they using this? Well, you've actually given them a real use case, a real reason why they should be using this. A quicker settlement is huge. Let's just say a factory

21:43needs to send to pay the workers and that's delayed for like two or three days. It's a stock they can't do anything about that. Having that release, what can you do then with that money? Then there's a lot less dependency. You can do a lot more with the company knowing the money just floating around or stuck being settled. I think that's the key thing. We don't really notice that day-to-day where I could just send you a memo if I wasn't like, but sending huge amounts to suppliers, this is where the supply chain slows down and you can really speed a lot of this stuff up. Martin, okay, so you've got a couple of things here. If you look at vaults, you look at transaction cross-border payments, like what Swift does, then you look at just regular transactions out there. All of this appears to be heading toward the agentic community and an industry in the sense of where agents are essentially going to be utilizing crypto very quickly. The possibility this happening so fast, especially in DeFi and with wallets in general, this seems like it's a

22:46leapfrog or two ahead of even where crypto is today. Yet banks are not even up to that part just yet. How do they even compete with this level speed that's coming? Again, I can't speak on behalf of the banks, but I know even for my previous job when I was working at Ton, that was a blockchain that Telegram was using, the amount of AI agents, because most of the AI agents become created in Telegram, we were seeing the huge boots in that and then we were sort of seeing how that was being used. I still don't think we anywhere near the use cases of what the crypto AI agents are anywhere in their capable. A lot of this is sort of playing around trial and error. As AI gets more advanced, I think we'll see even more of that. But even on our network, we were seeing a lot more of the transactions were done by agents, traditionally done by bots, but

23:46people were getting their AI agents to talk to each other, creating the wallets. Huge amount that can be done. When you look at how banks are operating today, and I look at it for more of a competition side of things, when you're someone like a change now or other exchanges out there, you're watching how banks are doing this. Do you think banks have figured out, hey, this is the one area we need to copy that crypto is doing really well? Do you think they've even kind of zoned in on that just yet? I think the first thing, just to let your audience know that it's a bit of a disservice to sort of group all banks in together. We definitely have far smoother banks. I mean, conversational, so many of the banks, they've got the head of digital assets, their way ahead, and they're thinking this through, they're bringing a lot of these topics of conversation up. Obviously, there's a lot of slow down, trying to get this through a compliance is very, very tricky. Then you have these leading

24:49it. They put on round tables, they put on workshops, they do a huge amount, and then you have the fast followers that are coming in, and then you have the other banks that are like, well, we should probably be doing this as they're doing this. Then you have some of the banks that just are very naive, or maybe just not experienced, or they don't have the right people there, maybe they're assuming that Bitcoin is just crypto, and again, it's sad sometimes, the times I speak to them, and their knowledge isn't that great. However, I'm not going to mention certain banks. Some of these banks are really pushing for a lot of this stuff. They have huge innovation units, really pushing forward with a lot of that stuff. Again, you can just see in there. I can sort of see once regulatory clarity is there, that helps a lot. The compliance manages to sign that off. That's when you see a lot more of this innovation moving forward. Yeah, I think the benefits realization is there. You're right. Actually, we had one of the early banks

25:53on our network when they were struggling trying to get crypto integrated, and they were running into so many walls. This, of course, is pre-the-Trump administration. There was a handful. They were already trying to bump the boundaries. I remember one of them, Vast Bank out of Tulsa. They tried to do quite a bit of advanced things. I'm going to lay this out to many of you who are watching right now. If you're a bank and you're thinking more advanced, we'd love to have you on the show because I think this is something that maybe some of our audience would love to hear is just how far, because all we're seeing most of the time is just headlines, but not a lot of action in the market. Action is powered by real people. This is Amix Corporate. Trusted experts, smarter technology. 24-7 dedicated support from day one to answer questions, helps set up policies and approvals, and consult on spend capacity as your business needs evolve. Plus, on-demand resources help

26:53level up operations at every stage. That's the trusted service you've come to expect. Built to simplify, designed to scale. This is Amix Corporate. Hey, I wanted to get your opinion on this. Terry Duffy. We've talked about him a lot over at CME. This, of course, is something that just came in. CFTC has now submitted an interim final rule titled, Further Definition of Swap. We've talked about this. This is now excluding the Casino-style gambling products. This, again, was kind of the leverage issue that Duffy and the CME were concerned with. I don't know if you saw much of the banter back and forth during that recent conference that they were holding. Do you think that TragFi is trying to position around crypto by just policy making? Since they didn't win the Clarity Act, are they now moving to the policy makers trying to maybe direct it into certain ways?

27:54It's a tricky one. In fairness, a lot of this policy and regulatory stuff is actually coming from the crypto industry that I've seen. What goes on behind the scenes, and we've got a lot in London, in the UK, and the Burnham out, our Prime Minister as well. He's been pushing with us down with crypto. A lot of this policy comes at first from the crypto industry and the crypto voices. Then we stop seeing other bigger voices that do come in. I think it's going to be a mix, but as I said, normally we start it. That's what I mean. We as I mean, the blockchain crypto industry. Policy, it can be either restrictive or actually helpful. A lot of people always think, there's regulatory regulation, there's policy. All of that's preventing the movement, but a lot of the time that gives a lot of clarity of what can be done. Well, the policy is going to be key to watch because this is a concern I have is that the old guard tries to put bumpers out there to maybe slow this industry down. To a certain extent,

28:59I think you're going to have, if you look at the US, Trump administration seems to be very, very pro. Obviously the SEC and the CFTC have laid down some guidelines, which has caused the market to breathe a little bit of a sigh of relief. That will be questioned, I think, in the next six to 12 months as we start to see the rulemaking handle. The last thing I want to hit on is stablecoins. HSBC is now named its Hong Kong stablecoin, the HSBC red coin. Now this is HSBC, one of the biggest financial institutions out there. This is mostly for merchant payments, which is a big deal and also for peer to peer. This was a brilliant move. Red coin, that's great marketing in my opinion. Do you think this kind of stuff is going to help with adoption on a global scale? If you think about it, people that never have dealt in a stablecoin, what's the USDC? What's a USDT? What's Pax G if I'm trading in gold versus something? Hey,

30:01just use red coin. Are we moving away from central bank digital currency now to banks? Maybe that is the way to be using this in an easier way. Again, merchants trading, that is a big thing with stablecoins across the border. It's so large. You even hear of merchant being stuck because payments haven't moved forward. If it works and it saves time, it saves money, people are going to be using it. I can see it. I think we've definitely moved on from where we were five years ago with the scared, worriedness of government controlling central bank currencies. It might be still moving on, but yeah, I think it's good. The fact that it's HSBC, a bank sees the use of this. Surely, it's only a matter of time into other banks are going to be starting

31:06to think this is successful. I think that's just going to be HSBC doing that. Which is definitely going to roll out, I think, in terms of adoption. Speaking of adoption, I wanted to get a little bit on that. I know you guys are one of the bigger platforms out there in terms of swaps. When you look at the roadmap for Change Now right now, is there anything you can share about things you guys are prepping for later this year, early 2027 that you can announce or talk about? I think, obviously, just be coming on board. We're bringing up a lot more awareness. There's two areas of Change Now. There's a B2B and a B2C. Again, we have a lot of users going in there exactly what you're doing there, swapping. There's Change Now Pro, which is, you'll probably see there if you move over there a little bit there. There's a Change Now Pro as well. Other areas where you can get cash back, you can on the swaps. Also, you can check on wallets. There's a lot of things that can be going there, reduce fees. Then we also, again, as you can see there, we have the

32:11payments and also we work B2C where people can take elements of Change Now, maybe all of it, some of it, and they can plug that into their offering. Again, you've got it there, you can white label it. Wallets use it, wallets power. We power a lot of the swaps for many wallets. It's just plugged in there for what we can do there. I think that's the reason I came over the amount of people that just came up to me saying it was brilliant using Change Now, and I was extremely happy about that stuff. You guys have a lot of services. A lot of them times they have a vague ask for us, and then we can then go through and explain these will, the areas we can do, maybe they want to swap, maybe it's assets, networks, maybe they want to connect through an API. So we give a range and we speak through there and we can help without building the whole Exchange layer for themselves to be honest. That's great there. Getting the exposure there,

33:11people thinking to start seeing all the benefits there, and especially as the market's going really well, we're getting a lot more reach out there, people can see the benefits. I love it. Listen, it's been great having you on. I want to, of course, thank you so much for stopping in today, Martin. We appreciate it. Mate, absolute pleasure from knowing you for many years. I said one quick question. What's worse? The food? Well, what uses are more demanding crypto users or food users? Oh, crypto users, 100%. Yeah, more demanding crypto users, 100%. They're the ultimate OGs and the expectation, and they're the ultimate bargain hunters out there. Best rate, best exchange fees, best swaps, best yields. You name the market, and I think a crypto user is the ultimate consumer. They are the apex predator of the retail market, is what I would say.

34:11I've been wanting to ask you that question for years. I'm so glad I've had the opportunity to ask you that. It's a dream country. So yeah, now I can go home happy. Thanks, Martin. We appreciate it. Pleasure, cheers. If you like this video, hit like and subscribe, drop a comment down below, and also join our free private member group, the link is in the description. Real innovation is powered by real people. This is Amics Corporate. Trusted experts, smarter technology, 24, 7 dedicated support from day one to answer questions, helps set up policies and approvals, and consult on spend capacity as your business needs evolve. Plus, on-demand resources help level up operations at every stage. That's the trusted service you've come to expect. Built to simplify, designed to scale. This is Amics Corporate.