Services
Fintech & Payment Institution Licensing
Payments, e-money and embedded finance, licensed properly. From Türkiye's payment institution regime to EU EMI and PI authorisations and Gulf frameworks.
Book a 15-min intro callMoving other people's money is the most tightly supervised thing a startup can do. Payment and e-money licences demand capital, governance, safeguarding arrangements and documentation measured in binders, and the review process rewards teams that arrive prepared and coherent.
We run fintech authorisations end to end across Türkiye, the EU and the Gulf, and we structure partnership models for companies that need payment capability before, or instead of, a licence of their own. The goal is the same either way: rails you are allowed to run at the scale you intend to reach.
Scope
What this service covers.
Licence Pathway Assessment
Payment institution, e-money institution, agent model or partnership: we analyse your product and unit economics and recommend the authorisation route that fits the business you are building, not the one easiest to file.
Application File & Capital Planning
Business plans, programme of operations, governance and key-person documentation, built alongside a realistic capital and safeguarding plan the regulator will test against your projections.
Safeguarding & Compliance Frameworks
Client fund safeguarding, AML programmes, internal control and reporting structures, designed to pass authorisation review and then actually operate inside your product.
BaaS & Partnership Structuring
Where the right answer is running on someone else's licence, we negotiate banking-as-a-service and agency agreements that protect your economics, your data and your ability to leave.
Regulator Engagement
We manage the dialogue through review: responding to queries, preparing your team for meetings and keeping momentum so the file moves instead of ageing in a queue.
Post-Licence Compliance
Reporting cycles, audits, product change notifications and passporting into new markets: we keep the licence healthy while the company grows on top of it.
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