Sovereign About

About us

Sovereign Labs is an innovation consultancy firm focusing on novel FinTech, insurance and data solutions.

We believe Web 3.0 technologies for data and value transfers are shaping the next era of an open, inclusive and decentralised Internet.

Our services help start-ups and scale-ups build and grow sustainable next-gen FinTech solutions.

Web 3.0

What is Web 3.0?

Brief History of the Internet

1990s - 2004

Web 1.0 - “Static Web” with content sites, search, electronic money and early e-commerce, led to the creation of Yahoo, Amazon, Google, Paypal, etc.

2005 - 2016

Web 2.0 - “Social Web” with user content sites (blogs), social media and mobile web, led to the creation of Wordpress, Facebook, Youtube, Instagram, etc.

2016 - Present

Web 3.0 - “Semantic Web” with decentralised peer-to-peer data and value transmission, led to the creation of Bitcoin, Filecoin, Coinbase and more to come.



The distributed ledger is a database that contains a growing list of records (named blocks, containing e.g. financial transactions) linked using cryptography, resistant to modification and accessible within a decentralised public network.


The InterPlanetary File System (IPFS) is a protocol and peer-to-peer network for storing and sharing data in a distributed file system, where each file is uniquely identified in a global namespace connecting all computing devices.


A decentralized application is a computer application that runs on a distributed computing system. DApps have been popularized by distributed ledger technologies such as Ethereum, where DApps are often referred to as smart contracts.



Decentralised systems facilitate optimal benefits between users and prevent rent seeking middlemen from implementing dubious value extracting models.


Decentralisation of power clusters concerning data, identity and financial instruments makes Web 3.0 a great tool for a healthy democracy.

User Sovereignty

The power shifts from big tech back to the users with Web 3.0, where users own and manage their digital identity, data and internet money.


Public and censorship resistant blockchains (Bitcoin, Ethereum) allow anyone to transact and join as a validator node.


The transactional data of distributed ledgers (Bitcoin, Ethereum) are publicly and permanently available under pseudoanonymous wallet addresses.

Rule of Code & Open Source

The blockchain network rules are hardcoded in open source protocols and protected by a large number of distributed node operators with voting power.

Online Privacy

Secure encryption, removal of middlemen (data brokers) and the control users gain back over their own data makes privacy viable once again.

Native Internet Money

On Web 3.0 money is native and creates an alternative financial system based on sound economics that challenges legacy finance.

Novel Business Models

Web 3.0 facilitates the creation of new user-centric business models such as cooperatives (users are shareholders), data economy, tokenomics and more.

The Potential of Web 3.0

The Rise of Alternative Finance

Cryptocurrencies, Decentralised Finance (DeFi) protocols and the synergies with Centralised Finance (CeFi) facilitate the growth of an alternative financial system.

The new environment promotes open market competition for financial products and it disrupts existing monopolies in this space.

The opportunity to improve legacy finance and a new alternative financial system is brought forward.

Big Tech 2.0 - Decentralised Edition

Peer-to-peer paradigm facilitate the rise of decentralised marketplaces for e-commerce, ride sharing, decentralised search, payments and many other areas.

A new wave of decentralised big tech protocols and networks will come to fruition in this decade implementing a new data economy and tokenomics principles.

Big Tech 2.0 brings a better value proposition: less extractive business models, more transparency and decentralised control structures.

Get in touch

Do you have a new project in mind? We’d love to talk.

Schedule a free consultation with one of our venture consultants to discuss your project and the ways we can help.

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