A Global Digital Economy Pairs With Fintech to Create New Opportunities for Business Growth

3 min readSep 21, 2021


Online marketing is thriving these days, with lots of people involved in its development. All types of businesses realize the importance of having an online presence. From small-sized businesses to international enterprises, every player on the market leaves its trace on the Internet. The value of coordination between buyers and sellers in an online-based digital economy model is truly huge.

Companies, financial institutions, and the Fintech sector should unite in an effort to solve the existing problems of the market to create a value-based circular economy — the type of economy that includes all the latest tech achievements and implements them on a mass scale. What obstacles are there on the way? The most common problem for existing ecosystems is complexity.

Beating the Complexity

The great number of interactions in modern economic models slows down the pace of their growth. However, simply cutting down this number is not an option. This will lead to the general limitation of ways to expand the influence of businesses and result in stagnation.

This drives us to the following conclusion: all kinds of interactions within and beyond the bounds of the ecosystem must be structured and simplified. Thus, the speed of response between all the links in an economic chain will increase. The effect of fighting complexity turns out to be especially noticeable for end-users, as they get services of much higher quality and faster than before. This way, financial institutions are becoming multicurrency and multijurisdictional, and they’re working for the sake of customer demands.

The integration of APIs in today’s digital economy can be the answer we have been looking for. The creation of apps that prioritize simplicity and secure data exchange is the main goal for API implementation in modern digital ecosystems. This is where complexity also becomes a matter of concern.

The more complicated an API is, the more time is needed to take full advantage of it. That’s why there’s a tendency “to go modular” in the API integration with economic processes. In other words, heavy and complicated software is divided into smaller segments that are easy to control and operate. The wide usage of cloud services adds the final touch. As a result, we get a set of microservices that are able to perform the same functions as solid systems but much faster and more effectively. APIs greatly improve point-of-sale systems and allow small businesses to become more flexible in terms of online payments.

Fintech & API — What Are the Benefits?

An API itself can perform as a solid booster for crucial business processes within a company. The enhancement of cooperation between consumers and vendors is possible due to the implementation of API systems at all levels of business activity. A Fintech & API alliance is beneficial in many ways:

  • An API can be highly customized for existing business needs.
  • Continuous improvements of software make APIs flexible for alteration.
  • There is an improved system for collecting users’ feedback.
  • There is increased revenue as a result of speeding up economic processes within the business systems.

Final Thoughts

Unfortunately, every coin has two sides, and a digital API-based economy is not an exception. Data abuse and API aggregators might be the stopping power in the development of such a kind of economy. Despite that, the future of business relations lies in the field of digital interactions and its integration with the classical “goods-money-goods” system. The recent craze for cryptocurrency just proves these words.

Crypto mining and exchange operations have already influenced the state of things in traditional economies. Specially designed software like Grapherex removes complexity from the process of cryptocurrency exchange and also provides its users with a convenient encrypted messenger. Other types of such software are expected to arrive at the market in the future, meaning that the course for digital integration remains firm and steady.




Secure messenger, cryptocurrency wallet and P2P crypto exchange in one app.