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We build licensed payment, e-money, crypto and stablecoin businesses: the licence, the team, the technology, the bank accounts and card issuing, in more than 60 countries.
We were established in 2013 to license payment businesses. Since then our founders have held FCA approved roles, run a regulated e-money institution and arranged the banking regulated firms depend on.
That experience shapes every engagement. We advise as operators: on what the regulator will accept, what the bank will ask, what the board must own, and what the business can carry.
We have run regulated payment businesses, held regulator-approved roles and licensed payment firms in more than 60 countries since 2013.
Direct relationships with the institutions that serve regulated and higher-risk firms.
One in-house team runs the whole programme, from the application to the day you go live.
Six capabilities, delivered together.
EMI, payment institution, MSB, cryptoasset, gaming and investment authorisations.
Reporting, policies, financial crime and safeguarding after authorisation.
Accounts, acquiring and processing, opened alongside the application.
White-label platforms and card programmes, ready to launch with the licence.
Remediation to the regulator’s timetable.
Acquisitions, change of control and programme access.
Four decades of combined experience in payments, licensing and banking.
Applications taken through to approval in more than 60 countries since 2013, with the FCA, the European authorities, FinCEN, FINTRAC, AUSTRAC and MAS.
Direct relationships with the banks, EMIs and payment providers in the countries we license, for safeguarding, operating and settlement accounts, card issuing and payment processing.
Founders who have run regulated payment businesses, held regulator-approved roles and provide the technology, banking and card programmes our clients launch on.
What we did and what each client received.
Outcome. EMI licence granted by the FCA.
Outcome. EMI licence granted by the FCA.
Outcome. EMI licence approved for operations across the UK and Europe.
Outcome. API licence granted, with post-authorisation compliance in place.
Outcome. API licence granted, with compliance gaps identified and closed.
Outcome. SPI registration granted, with compliance policies and regulatory reporting in place.
Buckingham Capital Consulting guided us through the EMI licence process with precision and clarity. Their regulatory experience made all the difference.
Selected licensing engagements. More than 250 licences obtained since 2013 across payments, e-money, cryptoassets and gaming.
| Client | Licence | Regulator | Engagement |
|---|---|---|---|
| Nexpay | Payment institution | FCA | Obtained Nexpay’s FCA Authorised Payment Institution licence. |
| Orbital | Payment institution | FCA | Obtained Orbital’s FCA Authorised Payment Institution licence. |
| Oval | Payment institution | FCA | Obtained Oval’s FCA Authorised Payment Institution licence with open banking permissions. |
| Global Send | Payment institution | FCA | Obtained Global Send’s FCA Authorised Payment Institution licence. |
| Hami | Payment institution | FCA | Obtained Hami’s UK payment institution licence for money remittance services. |
| Onpoint Money | Small payment institution | FCA | Obtained Onpoint Money’s FCA small payment institution registration. |
| Dzing Finance | Electronic money institution | FCA | Obtained Dzing Finance’s FCA Authorised Electronic Money Institution licence. |
| Hryze | Electronic money institution | FCA | Obtained Hryze’s FCA Electronic Money Institution licence. |
| HFS | Electronic money institution | FCA | Obtained HFS’s FCA Electronic Money Institution licence. |
| EuroPanPay | Electronic money institution | FCA | Obtained EuroPanPay’s UK Electronic Money Institution licence. |
| Own Solutions | Electronic money institution | Central Bank of Ireland | Obtained Own Solutions’ Central Bank of Ireland Electronic Money Institution licence. |
| Moneliq | Variation of permission | FCA | Obtained Moneliq’s FCA PSD2 variation of permission. |
| Royal College of Music | Consumer credit | FCA | Obtained the Royal College of Music’s FCA consumer credit licence. |
| Macmillan Cancer Support | Consumer credit | FCA | Obtained Macmillan Cancer Support’s FCA consumer credit licence. |
Four commitments, set out in writing before any engagement starts.
The same senior team handles your application from the first call to approval, including every question the regulator raises.
A reply within three business hours and a written proposal the same day: the licence, the requirements, the cost and the timing.
Your plans, your application and any listing stay private. Clients are named only with their agreement.
1 Kingdom Street, London W2 6BD, United Kingdom
14 Wall Street, Manhattan, New York, NY 10005, United States