Menu
LicensesMoney TransmissionDigital AssetsLending and CreditBank and Trust ChartersServicesAdvisoryLicensingComplianceReviewsInsightsAboutContactSchedule a Call

Services · 01

Regulatory Advisory

Identify the regulatory obligations, licensing options, and execution priorities that fit your business model, before committing to costly applications or partnerships.

Schedule a Call

On this page

  1. Licensing StrategyWe map your products, customer flows, and jurisdictions to relevant licensing and registration requirements, then set an application sequence and readiness plan.
  2. License or PartnerCompare obtaining your own licenses with operating through a licensed bank or service provider, and understand the responsibilities that remain yours.
  3. U.S. Market EntryTranslate an international fintech model into a practical U.S. regulatory and operational entry plan. Your U.S. activities, not your home licenses, decide what applies.
  4. Banking Readiness and BaaS PartnershipsPrepare for sponsor-bank due diligence and build controls that meet the expectations of potential banking partners. The bank keeps its own obligations and makes its own decision.
  5. Agentic Payments and Programmable SettlementAgentic payments are payments a software agent initiates for a user. We evaluate how automated payment initiation, programmable workflows, and digital settlement arrangements affect licensing, control of funds, and compliance responsibilities.
01

Licensing Strategy

We map your products, customer flows, and jurisdictions to relevant licensing and registration requirements, then set an application sequence and readiness plan.

  1. AssessReview your products, the participants, and who controls customer funds.
  2. DetermineDecide, activity by activity, whether a license, a registration, an exemption, or a partner model applies. Exemptions are tested with counsel.
  3. RoadmapSet priorities, timing, cost drivers, and dependencies. Cost and timing estimates are indicative, not guaranteed.
02

License or Partner

Compare obtaining your own licenses with operating through a licensed bank or service provider, and understand the responsibilities that remain yours.

  1. Your own licenses compared with a sponsor bank, a licensed partner, or an agent model
  2. Sponsor-bank and partner diligence
  3. Economics, control, and time to launch under each route
  4. Contractual and operational dependencies on the partner
  5. Who is responsible for what, including obligations a partner model does not remove
  6. Whether a bank, industrial bank, or trust charter is worth evaluating
03

U.S. Market Entry

Translate an international fintech model into a practical U.S. regulatory and operational entry plan. Your U.S. activities, not your home licenses, decide what applies.

  1. Assessment of your business model as it will run in the U.S.
  2. U.S. entity and governance considerations, with legal advice from your counsel
  3. State-by-state licensing and registration applicability
  4. AML and sanctions control requirements
  5. Banking and vendor readiness
04

Banking Readiness and BaaS Partnerships

Prepare for sponsor-bank due diligence and build controls that meet the expectations of potential banking partners. The bank keeps its own obligations and makes its own decision.

Bank Ready™ (for fintechs)

  1. Review of ownership, products, flows of funds, licenses, and controls
  2. Business description and flow-of-funds documentation
  3. Compliance matrix and AML package
  4. Remediation plan for anything a bank will flag

BaaS partnerships (for banks and fintechs)

  1. Sponsor-bank due diligence
  2. Compliance responsibility matrices
  3. Monitoring, testing, and issue remediation
  4. Board reporting
05

Agentic Payments and Programmable Settlement

Agentic payments are payments a software agent initiates for a user. We evaluate how automated payment initiation, programmable workflows, and digital settlement arrangements affect licensing, control of funds, and compliance responsibilities.

  1. Flow-of-funds and licensing analysis for agent-initiated payments
  2. Licensing scope for orchestration, ledger, and payments API platforms
  3. Agent authority: mandates, limits, and authorization records
  4. KYC and KYB for agent-operated accounts
  5. Monitoring for automated, high-frequency activity
  6. Compliance responsibility matrices with customers and banks

Who it's for

Fintech founders, operators assessing expansion or new products, and firms evaluating licenses, banking partnerships, or business-model changes.

Ready to apply? See the licensing process →

Back to all services →

Let's discuss your regulatory needs.

Tell us about your business, product, or licensing challenge. We'll review your inquiry and discuss the appropriate next steps.

Schedule a Call