Enter the US Market
Without the 2-Year Wait
The US is the world's largest financial services market. But for non-US fintechs, crypto exchanges, and BaaS providers, the path in is brutal: 18–24 months of licensing, millions in capital requirements, and a regulatory maze spanning the OCC, FinCEN, FDIC, and 50+ state regulators.
de Risk Partners eliminates that barrier. Through our managed compliance partnership with a US Federal Chartered bank, we get you to market in 3 months — with zero upfront capital requirements and compliance costs reduced by up to 60%.
- 18–24 months to obtain a US banking license
- $5M–$20M+ in upfront capital requirements
- Full in-house compliance team required
- Navigate OCC, FinCEN, FDIC & 50+ state regulators alone
- 3 months to US market — live and regulated
- Zero upfront capital requirement
- Fractional CCO + full managed service team
- Single partnership — complete regulatory coverage
Sponsor Bank
Partnership Model
Instead of pursuing your own US banking license, you operate under the charter of our US Federal Chartered bank partner. de Risk Partners manages the entire compliance layer — so you can focus on product and growth.
Traditional Path vs.
de Risk Partners Path
| Category | Traditional Path | ✦ de Risk Partners Path |
|---|---|---|
| Time to Market | 18–24 months to US banking license | 3 months to market |
| Capital Requirement | $5M–$20M+ upfront | Zero upfront capital |
| Compliance Team | Full in-house team required | Fractional CCO + managed services |
| Regulatory Navigation | OCC, FinCEN, FDIC, 50 state regulators — independently | Single partnership, full coverage |
| Compliance Role | Compliance as cost center | Compliance as competitive advantage |
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Built for Global
Financial Innovators
European Fintechs
Expanding to US retail and commercial markets with full regulatory coverage from day one.
Crypto Exchanges & VASPs
Seeking US-regulated banking rails without the complexity of direct licensing.
BaaS Providers
Looking to offer US dollar accounts and payments through a compliant sponsor bank model.
Digital Payment Platforms
Entering US money transmission with streamlined state licensing strategy and support.
Neobanks
Wanting FDIC-insured deposit access without the cost and timeline of their own charter.
Crypto Hedge Funds
Digital asset firms requiring compliant US custody, settlement, and institutional banking.
Dual Headquartered
Dual Regulated
Built for This.
US HQ — Westport, CT
Direct relationships with US regulators and sponsor banks. Front-line regulatory engagement on your behalf.
Swiss HQ — Lucerne
Global risk governance, Swiss-quality frameworks, and European regulatory expertise.
Our team brings institutional-grade experience from the world's largest financial institutions — and direct former regulatory experience.
The Market Is Open.
Are You Ready?
The current US administration is actively positioning America as the global hub for fintech and digital assets. The GENIUS Act established the first federal stablecoin framework in 2025. The OCC has issued interpretive letters confirming banks may custody digital assets, facilitate trades, and issue stablecoins. De novo charter applications have nearly doubled.
The message is clear: the US market is open for business — but only for firms with compliant, institutional-grade infrastructure.
From Assessment
to Market-Live
Discovery & Structuring
Regulatory assessment, sponsor bank matching, compliance gap analysis, and target operating model design.
Build & Integration
BSA/AML program deployment, KYC/CIP onboarding workflows, OFAC screening integration, agentic AI configuration, and SOP development.
Go-Live & Certification
Regulatory filing, compliance certification, operational readiness review, and launch into the US market.
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