Business
Young Entrepreneur Harley Cannard is manifesting new ways to capitalise from the online industry

The recent events of covid-19 has paved a way to a new way of working, and that is to be enabled and equipped to work from home.
Thanks to technology, our businesses can not only survive but thrive. Yes, it’s clear to see that many companies are affected due to COVID-19, but many companies are thriving and growing at rapid speed thanks to technology and online marketing.
You might have heard about a new wave of entrepreneurship that is capitalising on a sea of opportunity. One might ask in turbulent times how is that even possible. Well, technology is paving a new way for Entrepreneurs to work from home by using technology in fact these entrepreneurs are running their Companies completely remote with no effect.
Harley Cannard, who once was a freelancer, is now an entrepreneur and public figure who has had to adapt to the restrictions from Covid-19 and has taken his company completely remote and now manages 20 full time employees that work from home.. He has created a new way with his out of the box type of thinking. Harley Cannard has disrupted the outsourcing industry working from home and single handed proved to the world what a genius can do if he has a laptop in hand and vision in mind.
Harley Cannard is now a leading Australian entrepreneur who has been managing his team and global portfolio of clients from the comfort of his home. Harley Cannard is one of co-founder’s of Amz Automation Australia which helps seven and eight figure brands to grow at a larger scale. Harley Cannard has had global attention with his humble beginnings to being invited into Forbes council. This shows his capability as an entrepreneur and as an expert in an ever changing dynamic industry.
From humble beginnings to a pro entrepreneur, he has offices in two countries and a team of 20 employees and is continuing to grow.
Being a digital entrepreneur, he focuses on building innovative systems, digital infrastructure which can help businesses to grow and drive economic return faster in this competitive world. Today Harley Cannard and his team are mentoring many e-commerce brands, media personalities, entrepreneurs to scale their business and help them grow as a brand individually and as a company.
His way of advertising is truely unique, in the last 12 months his team has generated over 50 million dollars in revenue.
So great to see a $100 start-up is now already a multinational company. Cannard is striving towards other missions like creating and building a technology college in Pakistan for kids living in poverty.
His plan is to build a college that can teach up to 200 kids giving them access to first class online and in person education, providing the best of technology, teachers, computers, internet, clean water, and also safe and delightful learning facilities where kids get a platform to learn valuable life skills and the use of technology online. These children will be able to eventually work as an intern in Mr Cannard’s company where they will be paid and able to be sponsored to travel abroad to get education and work. This is creatjng generational education and employment.
Cannard is also working on other community projects and also planning to do tours to various countries and organise events and engage in public speaking. Something he is passionate about.
Instagram : https://instagram.com/harls_cannard
Business
High Volume, High Value: The Business Logic Behind Black Banx’s Growth

In fintech, success no longer hinges on legacy prestige or brick-and-mortar branches—it’s about speed, scale, and precision. Black Banx, under the leadership of founder and CEO Michael Gastauer, has exemplified this model, turning its high-volume approach into high-value results.
The company’s Q1 2025 performance tells the story: $1.6 billion in pre-tax profit, $4.3 billion in revenue, and 9 million new customers added, bringing its total customer base to 78 million across 180+ countries.
But behind the numbers lies a carefully calibrated business model built for exponential growth. Here’s how Black Banx’s strategy of scale is redefining what profitable banking looks like in the digital age.
Scaling at Speed: Why Volume Matters
Unlike traditional banks, which often focus on deepening relationships with a limited set of customers, Black Banx thrives on breadth and transactional frequency. Its digital infrastructure supports onboarding millions of users instantly, with zero physical presence required. Customers can open accounts within minutes and transact across 28 fiat currencies and 2 cryptocurrencies (Bitcoin and Ethereum) from anywhere in the world.
Each customer interaction—whether it’s a cross-border transfer, crypto exchange, or FX transaction—feeds directly into Black Banx’s revenue engine. At scale, these micro-interactions yield macro results.
Real-Time, Global Payments at the Core
One of Black Banx’s most powerful value propositions is real-time cross-border payments. By enabling instant fund transfers across currencies and countries, the platform removes the frictions associated with SWIFT-based systems and legacy banking networks.
This service, used by individuals and businesses alike, generates:
- Volume-based revenue from transaction fees
- Exchange spreads on currency conversion
- Premium service income from business clients managing international payroll or vendor payments
With operations in underserved regions like Africa, South Asia, and Latin America, Black Banx is not only increasing volume—it’s tapping into fast-growing financial ecosystems overlooked by legacy banks.
The Flywheel Effect of Crypto Integration
Crypto capabilities have added another dimension to the company’s high-volume model. As of Q1 2025, 20% of all Black Banx transactions involved cryptocurrency, including:
- Crypto-to-fiat and fiat-to-crypto exchanges
- Crypto deposits and withdrawals
- Payments using Bitcoin or Ethereum
The crypto integration attracts both retail users and blockchain-native businesses, enabling them to:
- Access traditional banking rails
- Convert assets seamlessly
- Operate with lower transaction fees than those found in standard financial systems
By being one of the few regulated platforms offering full banking and crypto support, Black Banx is monetizing the convergence of two financial worlds.
Optimized for Operational Efficiency
High volume is only profitable when costs are contained—and Black Banx has engineered its operations to be lean from day one. With a cost-to-income ratio of just 63% in Q1 2025, it operates significantly more efficiently than most global banks.
Key enablers of this cost efficiency include:
- AI-driven compliance and customer support
- Cloud-native architecture
- Automated onboarding and KYC processes
- Digital-only servicing without expensive physical infrastructure
The outcome is a platform that not only scales, but does so without sacrificing margin—each new customer contributes to profit rather than diluting it.
Business Clients: The Value Multiplier
While Black Banx’s massive customer base is largely consumer-driven, its business clients are high-value accelerators. From SMEs and startups to crypto firms and global freelancers, businesses use Black Banx for:
- International transactions
- Multi-currency payroll
- Crypto-fiat settlements
- Supplier payments and invoicing
These clients tend to:
- Transact more frequently
- Use a broader range of services
- Generate significantly higher revenue per user
Moreover, Black Banx’s API integrations and tailored enterprise solutions lock in these clients for the long term, reinforcing predictable and scalable growth.
Monetizing the Ecosystem, Not Just the Account
The genius of Black Banx’s model is that it monetizes not just accounts, but entire customer journeys. A user might:
- Onboard in minutes
- Deposit funds from a crypto wallet
- Exchange currencies
- Pay an overseas vendor
- Withdraw to a local bank account
Each of these actions touches a different monetization lever—FX spread, transaction fee, crypto conversion, or premium service charge. With 78 million customers doing variations of this at global scale, the cumulative financial impact becomes immense.
Strategic Expansion, Not Blind Growth
Unlike many fintechs that chase customer acquisition without a clear monetization path, Black Banx aligns its growth with strategic market opportunities. Its expansion into underbanked and high-demand markets ensures that:
- Customer acquisition costs stay low
- Services meet genuine needs (e.g., cross-border income, crypto access)
- Revenue per user grows over time
It’s not just about acquiring more customers—it’s about acquiring the right customers, in the right markets, with the right needs.
The Future Belongs to Scalable Banking
Black Banx’s ability to transform high-volume engagement into high-value profitability is more than just a fintech success—it’s a signal of what the future of banking looks like. In a world where agility, efficiency, and inclusion define competitive advantage, Black Banx has created a blueprint for digital banking dominance.
With $1.6 billion in quarterly profit, nearly 80 million users, and services that span the globe and the blockchain, the company is no longer just scaling—it’s compounding. Each new user, each transaction, and each feature builds upon the last.
This is not the story of a bank growing.
This is the story of a bank accelerating.
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