US Market Entry. Via BaaS.
The shortest defensible path into the world's biggest banking market.
The US is the largest banking market on earth — and the hardest to enter. A de novo charter takes three to five years and tens of millions in capital. A 50-state money transmitter mosaic takes years and a permanent legal department. Acquisition is expensive and slow.
For most non-US fintechs, digital asset firms, and payments companies, the realistic answer is Banking-as-a-Service. Partner with a US sponsor bank, deliver your product through their charter, and inherit their regulatory perimeter — while building the compliance program to defend it.
The problem: sponsor banks have learned. After the consent orders of 2023–2025, they no longer accept compliance as a checkbox. They diligence you. And the regulator diligences them on you.
That's where we come in. We build the compliance program the sponsor needs to see, run the operations the regulator expects, and stand at the table when the questions get hard.
The BaaS structure, plainly explained.
From decision to US-live.
Strategy & Structure.
Target product, US entity structure, sponsor-bank profile, and regulatory perimeter defined. We work with your tax and legal counsel on the LLC, parent, and intercompany flows. The structure is locked before sponsor-bank outreach begins.
Sponsor Selection.
We run a structured RFP across pre-vetted US sponsor banks. Diligence both ways — them on you, you on them — including BSA program maturity, recent regulatory history, and capacity for your volume. The right sponsor is selected on fit, not just price.
Contracts & Diligence.
Program agreement, BaaS contract, and oversight framework negotiated. Compliance program designed and pre-cleared with the sponsor. Sponsor-bank diligence completed across financials, operations, and BSA / sanctions. The sponsor signs because we built what they need to see.
Build & Implement.
Policies, procedures, controls, technology integrations, training, and operations stood up. Sandbox testing, parallel runs, and sponsor-bank acceptance testing. Every artefact is built to defend at first examination.
Launch & Operate.
Production launch. We operate the compliance function under the sponsor's oversight framework — alert ops, sanctions, SAR / CTR, MI to sponsor and your board. You focus on growth. We own the regulatory floor.
Four firms where this works.
European & UK Fintechs.
FCA-authorised payment institutions, EMIs, neobanks, and lending platforms with traction at home, ready for the US — without diluting the EU operation.
Swiss & GCC Digital Asset Firms.
FINMA-licensed banks, VARA-licensed VASPs, and DFSA / FSRA platforms expanding regulated crypto operations into the US through compliant rails.
APAC Payments & Embedded Finance.
Singapore, Hong Kong, and Japan-based payment companies and embedded-finance platforms seeking US merchant and consumer reach.
Series B+ Global Fintechs.
Funded scale-ups whose investors require US revenue diversification — and who can't afford a multi-year de novo charter detour.
Six things you don't have to build.
Sponsor-Bank Network.
Direct relationships with pre-vetted US sponsor banks across community, regional, and specialty categories — accelerating sponsor selection by months.
Compliance Program Build.
Full BSA / AML, OFAC, KYC / CDD, UDAAP, Reg E / Z, and BaaS-specific program — designed to the sponsor's standard, not just the regulator's minimum.
Managed Operations.
Alert ops, sanctions screening, KYC review, SAR / CTR drafting, and QA — run from our US-based delivery center, under your sponsor's oversight framework.
Fractional US CCO.
A US-based, US-credentialed Chief Compliance Officer embedded into your firm — the named compliance officer of record on the sponsor's program documents.
Regulatory Engagement.
Sponsor-bank examiner walkthroughs, audit support, OCC / FDIC engagement (via sponsor), and post-launch supervisory MI. We sit at the table.
Technology Integration.
Vendor selection and implementation across TM, sanctions, KYC, and case management — integrated with sponsor-bank rails and your existing tech stack.
What US market entry looks like six months in.
Sponsor RFP · BaaS Program Build · US CCO · Managed Operations
One sponsor. One program. Fifty states.
A 30-minute call with a partner. We'll walk through your target US product, sponsor-bank fit, and what the six-month path realistically costs and delivers.