Regulatory Licencing & Authorisation
Regulatory licencing, authorisation and registration for payment institutions, EMIs, MSBs, money transmitters and cryptoasset firms across the UK, EU, Canada, the United States, Australia, Singapore and Hong Kong.
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What We Do
Regulatory licencing and authorisation is the foundation of any payments, e-money, money transmission or cryptoasset business. Without the appropriate permissions, a firm cannot lawfully provide payment services, issue electronic money, transmit money across borders or provide cryptoasset services.
Our licencing work covers every stage: perimeter and permission analysis, jurisdiction and licence selection, preparation of the business plan, programme of operations, financial forecasts, governance, safeguarding and financial crime documentation, submission, and management of the regulator question process through to determination.
We work across the FCA and UK regimes, EU national competent authorities including the Bank of Lithuania and the Central Bank of Ireland, FINTRAC and the Bank of Canada, FinCEN and United States state regulators, AUSTRAC, MAS and Hong Kong authorities. Applications succeed on evidence and internal consistency, so our focus is on making the documented firm and the operating firm the same firm.
Regulatory Assessment
We analyse your business model and determine the appropriate licence type and jurisdiction.
Application Preparation
We draft the complete application including business plan, programme of operations, and compliance frameworks.
Submission & Management
We submit the application and manage all regulator communications and information requests.
Authorisation & Launch
Upon approval, we support your transition to live operations.
What's Included
Business Plan & Programme of Operations
Comprehensive regulatory business plan tailored to the target jurisdiction and licence type.
Compliance Framework
Full compliance monitoring programme, policies and procedures ready for day-one operations.
AML/CFT Framework
Complete anti-money laundering framework including risk assessment, CDD procedures and monitoring.
Financial Projections
Regulatory capital adequacy calculations and three-year financial projections.
Governance Documentation
Board terms of reference, committee structures, and individual fitness and propriety assessments.
Regulator Liaison
Full management of all regulator communications, information requests and remediation.
Who This Service Is For
Firm Types
- - Fintech startups seeking initial authorisation
- - Established firms expanding to new jurisdictions
- - Banks launching new regulated business lines
- - Crypto firms requiring MiCA or FCA registration
Situations & Triggers
- - Launching a new payment or e-money service
- - Entering the UK, EU or global market
- - Requiring multiple parallel licence applications
- - Needing to meet tight go-to-market timelines
Why Work With Us
Specialist Sectors
We work only with payment institutions, EMIs, MSBs, money transmitters and cryptoasset firms.
Senior-Led Delivery
Every engagement is led by a senior consultant with hands-on regulatory experience - not delegated to junior staff.
Practical, Not Theoretical
We build frameworks that work in practice, not just on paper. Our advice is grounded in what regulators actually expect.
Global Reach
We advise across 65+ jurisdictions, combining local regulatory knowledge with a consistent, high-quality approach.
Related Insights
Lithuania vs Ireland for a Payment Institution Licence: Which Should You Choose?
A detailed comparison of Lithuania and Ireland for EU payment institution licensing - speed, cost, substance requirements and passporting after Brexit.
EMI vs Payment Institution Licence: Which Does Your Business Need?
Understanding the fundamental legal and commercial differences between EMI and payment institution authorisation - and how to determine which your business requires.
How to Apply for a UK Banking Licence: What the PRA and FCA Require
The complete guide to UK banking licence applications - dual PRA/FCA regulation, the mobilisation stage, capital requirements, threshold conditions and realistic timelines.
Frequently Asked Questions
Timelines vary from a matter of weeks for FINTRAC registration in Canada to several years for a UK banking licence. Most payment institution and EMI applications take three to twelve months from submission, and the elapsed time is driven largely by how quickly a firm can answer regulator questions with evidence.
That depends on whether customers hold a balance, whether funds are received to execute a specific transaction, the volumes involved and the markets served. We complete a perimeter and permission analysis before any application work begins, because an application under the wrong permission costs far more than the analysis does.
Yes. We manage the process from regulatory strategy through to determination, including all documentation, regulator communications, and any control build required before submission.
Our priority markets are the United Kingdom, the European Union, Canada, the United States, Australia, Singapore and Hong Kong. We advise on other jurisdictions where a client corridor requires it.
Yes. Firms serving several corridors frequently need parallel applications. We sequence them by commercial priority and share common documentation across jurisdictions where the regulators permit it.
Fees depend on the licence type, jurisdiction and complexity of the application. We provide a fixed-fee proposal after an initial assessment of requirements.
Yes. Ongoing compliance support, regulatory reporting and operational assistance are available so that the framework described in the application is the framework the firm actually runs.
Most applications attract detailed questions. We manage the response process, close evidence gaps and, where a concern is substantive, advise on whether to remediate, narrow the application or withdraw and resubmit rather than accept a refusal on the record.