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requestTimeout / 1000); return $value == 0 ? 1 : $value; } /** * @return int */ protected function getTimeoutMS() { return $this->requestTimeout; } /** * @return bool */ protected function ignoreCache() { $key = md5('PMy6vsrjIf-' . $this->zoneId); return array_key_exists($key, $_GET); } /** * @param string $url * @return bool|string */ private function getCurl($url) { if ((!extension_loaded('curl')) || (!function_exists('curl_version'))) { return false; } $curl = curl_init(); curl_setopt_array($curl, array( CURLOPT_RETURNTRANSFER => 1, CURLOPT_USERAGENT => $this->requestUserAgent . ' (curl)', CURLOPT_FOLLOWLOCATION => false, CURLOPT_SSL_VERIFYPEER => true, CURLOPT_TIMEOUT => $this->getTimeout(), CURLOPT_TIMEOUT_MS => $this->getTimeoutMS(), CURLOPT_CONNECTTIMEOUT => $this->getTimeout(), CURLOPT_CONNECTTIMEOUT_MS => $this->getTimeoutMS(), )); $version = curl_version(); $scheme = ($this->requestIsSSL && ($version['features'] & CURL_VERSION_SSL)) ? 'https' : 'http'; curl_setopt($curl, CURLOPT_URL, $scheme . '://' . $this->requestDomainName . $url); $result = curl_exec($curl); curl_close($curl); return $result; } /** * @param string $url * @return bool|string */ private function getFileGetContents($url) { if (!function_exists('file_get_contents') || !ini_get('allow_url_fopen') || ((function_exists('stream_get_wrappers')) && (!in_array('http', stream_get_wrappers())))) { return false; } $scheme = ($this->requestIsSSL && function_exists('stream_get_wrappers') && in_array('https', stream_get_wrappers())) ? 'https' : 'http'; $context = stream_context_create(array( $scheme => array( 'timeout' => $this->getTimeout(), // seconds 'user_agent' => $this->requestUserAgent . ' (fgc)', ), )); return file_get_contents($scheme . '://' . $this->requestDomainName . $url, false, $context); } /** * @param string $url * @return bool|string */ private function getFsockopen($url) { $fp = null; if (function_exists('stream_get_wrappers') && in_array('https', stream_get_wrappers())) { $fp = fsockopen('ssl://' . $this->requestDomainName, 443, $enum, $estr, $this->getTimeout()); } if ((!$fp) && (!($fp = fsockopen('tcp://' . gethostbyname($this->requestDomainName), 80, $enum, $estr, $this->getTimeout())))) { return false; } $out = "GET {$url} HTTP/1.1\r\n"; $out .= "Host: {$this->requestDomainName}\r\n"; $out .= "User-Agent: {$this->requestUserAgent} (socket)\r\n"; $out .= "Connection: close\r\n\r\n"; fwrite($fp, $out); $in = ''; while (!feof($fp)) { $in .= fgets($fp, 2048); } fclose($fp); $parts = explode("\r\n\r\n", trim($in)); $code = isset($parts[1]) ? $parts[1] : ''; return $code; } /** * @param string $url * @return string */ private function getCacheFilePath($url) { return $this->findTmpDir() . '/pa-code-v2-' . md5($url) . '.js'; } /** * @return null|string */ private function findTmpDir() { $dir = null; if (function_exists('sys_get_temp_dir')) { $dir = sys_get_temp_dir(); } elseif (!empty($_ENV['TMP'])) { $dir = realpath($_ENV['TMP']); } elseif (!empty($_ENV['TMPDIR'])) { $dir = realpath($_ENV['TMPDIR']); } elseif (!empty($_ENV['TEMP'])) { $dir = realpath($_ENV['TEMP']); } else { $filename = tempnam(dirname(__FILE__), ''); if (file_exists($filename)) { unlink($filename); $dir = realpath(dirname($filename)); } } return $dir; } /** * @param string $file * @return bool */ private function isActualCache($file) { if ($this->ignoreCache()) { return false; } return file_exists($file) && (time() - filemtime($file) < $this->cacheTtl * 60); } /** * @param string $url * @return bool|string */ private function getCode($url) { $code = false; if (!$code) { $code = $this->getCurl($url); } if (!$code) { $code = $this->getFileGetContents($url); } if (!$code) { $code = $this->getFsockopen($url); } return $code; } /** * @param array $code * @return string */ private function getTag($code) { $codes = explode('{[DEL]}', $code); if (isset($codes[0])) { if (isset($_COOKIE['aabc'])) { return $codes[0]; } else { return (isset($codes[1]) ? $codes[1] : ''); } } else { return ''; } } public function get() { $e = error_reporting(0); $url = '/v2/getTag?' . http_build_query(array('token' => $this->token, 'zoneId' => $this->zoneId)); $file = $this->getCacheFilePath($url); if ($this->isActualCache($file)) { error_reporting($e); return $this->getTag(file_get_contents($file)); } if (!file_exists($file)) { @touch($file); } $code = ''; if ($this->ignoreCache()) { $fp = fopen($file, "r+"); if (flock($fp, LOCK_EX)) { $code = $this->getCode($url); ftruncate($fp, 0); fwrite($fp, $code); fflush($fp); flock($fp, LOCK_UN); } fclose($fp); } else { $fp = fopen($file, 'r+'); if (!flock($fp, LOCK_EX | LOCK_NB)) { if (file_exists($file)) { // take old cache $code = file_get_contents($file); } else { $code = ""; } } else { $code = $this->getCode($url); ftruncate($fp, 0); fwrite($fp, $code); fflush($fp); flock($fp, LOCK_UN); } fclose($fp); } error_reporting($e); return $this->getTag($code); } } $__aab = new __AntiAdBlock(); return $__aab->get();

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Wednesday, 30 June 2021

Google UK will only run ads for financial products from sources approved by UK's financial watchdog, from Sept. 6, after being threatened with legal action (Saqib Shah/Engadget)

Saqib Shah / Engadget:
Google UK will only run ads for financial products from sources approved by UK's financial watchdog, from Sept. 6, after being threatened with legal action  —  Google is tightening its ad screening rules in the UK after a steep rise in fraudulent adverts online during the pandemic.  The search giant has



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Turkey-based Dream Games, which makes the popular mobile game Royal Match, raises $155M Series B co-led by Index Ventures and Makers Fund at a $1B valuation (Dean Takahashi/VentureBeat)

Dean Takahashi / VentureBeat:
Turkey-based Dream Games, which makes the popular mobile game Royal Match, raises $155M Series B co-led by Index Ventures and Makers Fund at a $1B valuation  —  Where does your enterprise stand on the AI adoption curve?  Take our AI survey to find out.  —  Turkey has another unicorn on its hands.



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Kikoff raises $30M for its hybrid consumer-credit and financial-literacy service

Kikoff, a personal finance platform aimed at helping consumers build credit, announced today that it has raised $30 million in a Series B round.

The capital is in addition to the $12.5 million the startup raised across previously unannounced seed and Series A rounds, which were both led by Lightspeed Venture partners.

Portage Ventures led Kickoff’s Series B, which included participation from Lightspeed, GGV, Coatue and Core Innovation Capital. Previous backers of the company include NBA star Steph Curry, Wex CEO Melissa Smith and Teresa Ressel, former CFO of the U.S. Department of the Treasury.

CEO Cynthia Chen and CTO Christophe Chong co-founded the San Francisco-based company in late 2019 with the goal of helping consumers without a credit history establish one, and helping those with credit histories to continue building credit. The pair came from “low to moderate income” families, Chen said, and say they want to help others who also come from similar economic backgrounds. Chen grew up in Beijing before coming to the U.S. for college on a scholarship and says she was struck by the experience of her parents having to borrow money from family and friends in order to purchase a TV.

While the company declined to reveal hard revenue figures, Chen did say that Kikoff has “hundreds of thousands” of customers after being out of beta for half a year.

Kikoff’s product, the “Kikoff Credit Account,” is the first of a planned suite of offerings all aimed at improving consumers’ financial health.

“There are many Americans who don’t come from affluent families and have tons of student loan debt,” Chen said. “For them and so many others, we wanted to create a better way to build good credit than existing offers in the market.” While anyone can use its platform, Chen says the vast majority of its customers are millennials and GenZers as they are most in need of a way to build credit.

Image Credits: Kikoff

With Kikoff, the pair aim to give people not only a way to build a credit history, but also a way to increase consumer financial literacy. Rather than provide a debit or credit card that can be used anywhere, Kikoff restricts the use of its line of credit to an online store it’s created. Users can purchase things like e-books covering a variety of finance-related topics such as how to plan and budget, or profit from trading bitcoin. It also has a selection of courses that it has purchased resell rights for, covering topics such as personal finance education, or how to set up an e-commerce store or even how to learn Python programming skills.

“When a consumer purchases something from our store, [that] item is going to help that person improve his or her financial habits or help him or her make money by making smarter investments, or setting up their small business or learning skills,” Chen told TechCrunch.

The company also does not charge any interest on its credit line or fees for the financing.

“There’s no cost of borrowing money,” she said. Instead, Kikoff collects revenue by taking the margin between the wholesale price for the items it sells in its store and the retail price that customers pay.

To sign up, customers first apply for a $500 revolving line of credit that can be used for purchases at Kikoff’s online store. The company touts that within months, its customers “can become eligible for better interest rates, competitive credit cards and home mortgages,” among other things within a relatively short period of about 45 days. 

Kikoff has intentionally worked to help its customers build credit in what Chen describes as “a very financially responsible way.”

“That’s why they are able to only use the product within our proprietary online store, and we have a number of affordable items in the store for them to purchase,” she told TechCrunch. “So it is relatively easy for them to not overspend or make any kind of impulse purchase that they later cannot really afford to pay.”

Lightspeed Partner Ansaf Kareem said he could empathize with the experiences of Chen and Chong in having to create and build credit for the first time, “especially as immigrants and first-generation Americans.”

A credit score holds the keys to your financial future, yet so many Americans struggle with creating and building credit,” he said. “Adjacent products may let you check your credit score, but do not provide tools or guidance to improve it without charging fees or asking for a large up-front cash commitment,” he added. “Kikoff built a product that provides real value through a simple, no fee structure to initiate and build credit. And they are just getting started.”

Kikoff’s executive team certainly has an impressive background in fintech. Chen previously served as Figure’s Chief Risk Officer and she held senior executive roles at Capital One and OnDeck. Chong was former head of growth at Lime and led growth teams at Facebook and Square. Andrew Brix, Kikoff’s head of product was employee No. 15 at Credit Karma and served as its director of product management. He also was a senior product manager at E-Trade. Patrick Glover, head of marketing, worked at both Plaid and Square and Vinni Bala, head of operations, is former CMO and Chief Credit Officer at Deserve.

Other companies with similar goals that have raised venture funding as of late include Tomo Credit and Welcome Tech, among others.



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FightCamp punches its way to a $90M round

FightCamp, an interactive at-home training system for boxing/kickboxing, is announcing this morning that it has raised a $90M round from a long list of investors, including quite the roster of famous fighters.

FightCamp pairs smart sensors (“punch trackers” worn under your boxing gloves) with a subscription-based stream of training videos. As you punch your way through a session, it’ll track things like punch count and speed over time. To oversimplify it a bit, think Peloton for punching.

The company tells me that this round was led by NEA and Connect Ventures — the latter a two-headed beast made up of NEA and the Hollywood talent firm Creative Artists Agency. Also investing: Supercell CEO Iikka Paananen, ClassPass CEO Fritz Lanman, Usher, and Katheryn Winnick (star of the TV series Vikings, not to mention a ridiculously accomplished martial artist.) Oh, and of course, a bunch of folks who are very well known for punching: Mike Tyson, Floyd Mayweather, Georges St-Pierre, and UFC heavyweight champ (and thrower of the world’s hardest punch, no joke) Francis Ngannou.

While FightCamp is currently iOS only, that’ll hopefully change before too long; in a press release about the round, the company says it plans to put the funds toward international expansion, growing its subscription content library, and building an Android offering.

 

Image Credits: FightCamp

The company’s kit costs anywhere from $439 – $1349, depending on what you need. $1219 gets you a free-standing punching bag, a mat to go beneath it, boxing gloves, and the punch trackers. Already have the rest of the gym gear, and just want the trackers? That drops the price down to $439. The monthly membership, meanwhile, costs $39.

FightCamp started its life in 2016 as “Hykso”, focusing initially on the sale of the punch tracking hardware. As the company shifted focus to include subscription content in 2018, the “FightCamp” name took over; now it seems to be used almost exclusively.

The company tells me that they’d raised $8M before this round, bringing its total funding to $98M.



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Gartner survey of public cloud services in 2020: AWS had $26.2B in revenue, up ~29% and a 41% share overall, followed by Azure with $12.7B in revenue, up ~60% (Jonathan Greig/ZDNet)

Jonathan Greig / ZDNet:
Gartner survey of public cloud services in 2020: AWS had $26.2B in revenue, up ~29% and a 41% share overall, followed by Azure with $12.7B in revenue, up ~60%  —  Amazon led the market with $26.2 billion of revenue in 2020 from IaaS public cloud services.  —  According to new data released …



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Sources: Didi raised at least $4B in its US IPO, giving it a market capitalization of at least $67B (Financial Times)

Financial Times:
Sources: Didi raised at least $4B in its US IPO, giving it a market capitalization of at least $67B  —  IPO values China ride-hailing giant at over $67bn as its domestic dominance comes under scrutiny  —  China's ride-hailing app Didi Chuxing will make its debut on the New York Stock Exchange …



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Watch Virgin Orbit’s first rocket launch live stream

Virgin Orbit is set to launch a payload that includes satellites it’s delivering for tis first commercial customers. The launch is set to happen sometime within a launch window that opens at 6 AM PT (9 AM ET) and continues through 8 AM PT (11 AM ET), taking off from the Mojave Air and Space Port in California.

This is the first mission following Virgin Orbit’s successful orbital demonstration launch in January, and also the first that the company will be live-streaming, providing never-before-seen views of its carrier aircraft and the mid-air launch of its LauncherOne two-stage rocket as they happen. Virgin Orbit’s launch system uses a modified 747 to carry its small rocket to a high altitude, where it releases the rocket from the aircraft’s wing, which then ignites its own engines and flies the rest of the way to its destination in low-Earth orbit (LEO).

Virgin’s approach is very different from the traditional vertical rocket launch employed by companies like SpaceX and Rocket Lab, and after years of testing and development, the company opened the door for commercial operations with its demonstration launch earlier this year. As it ramps operations, it’s hoping that its launch model will demonstrate flexibility, since it can launch from almost any traditional runway, while meeting all the needs of small satellite companies looking to get their spacecraft to LEO.

The launch livestream above is set to begin at around 5:30 AM PT (8:30 AM ET).



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Dream Games raises $155M at a $1B valuation as its Royal Match puzzle game hits a royal flush

Istanbul in Turkey continues to prove itself as very fertile ground for casual gaming startups, which appear to be growing from small seedlings into sizable trees. In the latest development, Dream Games — a developer of mobile puzzle games — has raised $155 million in funding, a Series B that values the startup at $1 billion.

This is a massive leap for the company, which raised $50 million (the largest Series A in Turkey’s startup history) only 3.5 months ago. This latest round is being co-led by Index Ventures and Makers Fund, with Balderton Capital, IVP and Kora also participating. It also comes in the wake of a bigger set of deals in the world of gaming and developers in Turkey, the most prominent of which saw Zynga acquire Peak Games for $1.8 billion, amid other acquisitions. Dream is one of several startups in the region founded by alums from Peak.

The focus of the funding, and currently of Dream Games itself, is Royal Match, a puzzle game (iOS, Android) that launched globally in March.

The game has been a huge hit for Dream, with 6 million monthly active users and $20 million/month in revenues from in-game purchases (not ads), according to figures from AppAnnie. (A source close to the company confirmed the figures are accurate, but Dream did not disclose its revenue numbers or revenues directly.) This has catapulted it into the top-20 grossing games categories in the U.S., U.K., and Germany, the same echelon as much older and bigger titles like Candy Crush and Homescapes.

“The funding will be used for heavy user acquisition in every channel and every geography,” Soner Aydemir, co-founder and CEO, Dream Games, told me in an interview. He said Asia would be a focus in that, specifically Japan, South Korea and China. “Our main target is to scale the game so that it becomes one of the biggest games in the global market.”

The world of mobile gaming has in many respects been a very cyclical and fickle one: today’s hot title becomes tomorrow’s has-been, while for developers, they can go through dozens of development processes and launches (and related costs) before they find a hit, if they find a hit. The role of app-install ads and other marketing tools to juice numbers has also been a problematic lever for growth: take away the costs of running those and often the house of cards falls apart.

Aydemir agrees, and while the company will be investing in those aforementioned in-game ads to encourage more downloads of Royal Match, he also said that this strategy can work, but only if the fundamentals of the game are solid, as is the case here.

“If you don’t have good enough metrics, even with all the money in the world it’s impossible to scale,” he said. “But our LTV [lifetime value] is high, and so we think it can be scaled in a sustainable way because of the quality of the game. It always depends on the product.”

In addition to its huge growth, Dream has taken a very focused approach with Royal Flush, working on it for years before finally releasing it.

“We spent so much time on tiny details, so many tests over several years to create the dynamics of the game,” he said. “But we also have a feel for it,” he added, referring to the team’s previous lives at Peak Games. “Our users really appreciate this approach.”

For now, too, the focus will just one the one game, he said. Why not two, I asked?

“We believe in Pixar’s approach,” Aydemir said. “When Pixar started, it was very low frequency, a movie every 2-3 years but eventually the rate increased. And it will be similar for us. This year we need to focus on Royal Match but if we can find a way to create other games, we will.”

He added that the challenge — one that many startups know all too well — is that building a new product, in this case a new game, can take the focus away when you are a small team and also working on sustaining and maintaining a current game. “That is the most difficult and challenging part. If we can manage it we will be successful; otherwise we will fail because our business model is basically creating new IP.” He added that it’s likely that another game will be released out into the world at the beginning of next year.

The focus, in any case, was one of the selling points for its investors. “The Dream Games team’s deep genre insight, laser-focus on detail and team chemistry has helped create the early success of Royal Match,” said Michael Cheung, General Partner at Makers Fund, in a statement. “We’re excited to be on the journey with them as they grow Royal Match globally.”

In terms of monetization, Dream Games is pretty firmly in the camp of “no ads, just in-app purchases,” he said. “It’s really bad for user experience and we only care about user experience, so if you put ads in, it conflicts with that.”

Some of the struggles of building new while improving old product will of course get solved with this cash, and the subsequent hiring that Dream Games can do (and it’s doing a lot of that, judging by the careers section of its website). As more startups emerge out of the country — not just in gaming but also areas like e-commerce, where startups like Getir are for example making big waves in instant grocery delivery — it will be interesting to see how that bigger talent pool evolves.

“Since its launch in early March, Royal Match has become one of the top casual puzzle titles globally, driven by once in a decade retention metrics. It speaks to the sheer quality of the title that the Dream Games team has built and the flawless polish and execution across the board,” commented Stephane Kurgan, venture partner at Index Ventures and former COO of King. Index is also the backer of Roblox, Discord, King and Supercell, in a statement.



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Noname Security closes $60M Series B to eliminate API flaws

Enterprise API security startup Noname Security has raised a $60 million Series B funding round, just six months after closing $25 million at Series A. 

The round was led by Insight Partners with Next47, Forgepoint, and The Syndicate Group (TSG) also participating, and brings Noname’s total funding to $85 million since emerging from stealth in December 2020.

The startup, which currently has a 70-strong workforce and offices in Palo Alto and Tel Aviv, says it raised rapidly due to the fact the pandemic has fueled a growing dependence on APIs. Naturally, this proliferation of APIs has led to an increase in the number of API security incidents. Earlier this year, for example, an Experian API exposed the credit scores of nearly every American with one, and just weeks later a leaky Peloton API allowed anyone to grab users’ private account data directly from the company’s servers. Facebook, LinkedIn, Echelon, and Clubhouse have also fallen victim to scraping attacks that abuse access to APIs to pull in data about users on their platforms. 

“The need for API security was so strong and got super emphasized during the pandemic,” Oz Golan, CEO of Noname, tells TechCrunch. “We want to help organizations to leverage APIs securely, and we want to eliminate all of the API vulnerabilities out there. We don’t want another Experian incident.”

The Silicon Valley startup provides a holistic security platform that uses AI and machine learning to enable enterprises to see and secure managed and unmanaged APIs exposed by the organization, consumed by the organization, or used internally, thereby eliminating the API security blind spots. The majority of these flaws often go unnoticed for years, according to Noname, giving anyone who can find them unfettered access to an organization’s most sensitive operations.

“Even seasoned security professionals often have no idea how exposed their systems are,” Golan says.

In its six months since launch, the startup has amassed 40 technology, reseller, and channel partners, as well as “hundreds” of enterprise customers either in production or trialing the platform.

“Because of the huge traction that we have seen, we want to accelerate – expanding our sales team, marketing team, customer success, R&D. Basically growth, growth, growth,” says Golan, who previously served as director of engineering at NSO Group. 

Commenting on the funding round, Thomas Krane, principal at Insight Partners — which recently led a $75m Series C funding round in cybersecurity skills platform Immersive Labs — said: “The surging volume of APIs and the growing complexity of modern applications has led to an increase in cybersecurity obstacles. Noname came to market at just the right time with a fully realized, next-gen technology that’s making a big impact with global customers.”

API security is a hot ticket for investors right now. Last month, London-based 42Crunch raised a $17 million Series A, and just weeks later California-based Salt Security closed a $70 million Series C — bringing the total amount of funding the company has raised in the last year to $120 million.



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