CardWare is reducing friction and improving the payments experience through innovative Software & Hardware technologies. The CardWare® FinTech API includes Card+® App integrating SmartTokenization™ : for single-click eCommerce, real-time token provisioning for Online, IoT VR & Wearable devices. Providing merchants, banks, issuers and developers with powerful tools based on two & three-factor authentication, location awareness, QR-code, contactless and wireless connectivity, for online/in-store services. As well as direct support for forward-looking socially-networked Digital-Currency. CardWare is opening new User Experience possibilities in the wallet/purse/consumer-device, bridging the gap between online & in-store payment security, giving control back to consumer & merchant, reducing fraud losses and enriching the loyalty & reward relationship.