Structuring of Payment Systems
We are not a conventional intermediary. At Paynfinity we set up the operational base of your financial institution, managing the obtaining of licenses that allow the issuance of electronic money, the execution of payments and the custody of funds in fully regulated environments.
Electronic Money Institutions (EMI)
Comprehensive management of EMI licensing, enabling digital money issuance, e-wallet management and cross-border payment services with international passporting.
Payment Institutions (SPI / API)
Processing of licences for payment service providers. We enable your ability to process transfers, direct debit and execute payment transactions without the need to issue e-money.
Money Service Business (MSB)
Registration and compliance for money services businesses, including foreign exchange and funds transmission under jurisdiction-specific regulations.
Remittance Operators (MROs)
Legal structuring for money remittance operators, ensuring the necessary banking connectivity and compliance with money laundering protocols.
Regulatory Management FIMMA / FCA
Filing with top-level authorities. We ensure that your entity meets the solvency and governance standards required by the strictest financial regulators.
Global Banking Infrastructure
Many financial institutions are held back by outdated payment infrastructures that limit their international expansion. At Paynfinity, we transform your licence into an operational vehicle capable of competing in the global market from day one.
We deliver an end-to-end solution: authorised licensing, correspondent banking connectivity and asset safeguarding systems. A structure ready to issue accounts, process collections and protect your entity's assets in any strategic jurisdiction.
Roadmap and Deployment of your Financial Institution
Technical Feasibility Analysis
We assess your business model and equity capital to determine the most favourable jurisdiction. We filter the regulatory framework (EMI, SPI or MSB) that best suits your operational and geographic objectives.
Preparation of the Dossier
We prepare the complete technical dossier: business plans, IT policies, compliance manuals and governance structure. We ensure that all documentation complies with the regulator's standards.
Dealing with the Regulator
We manage the relationship with the financial authority. We oversee the audit process, respond to requests and validate the AML/KYC protocols necessary for final approval.
Final Operational Clearance
Following the granting of the licence, we proceed with the opening of safeguard accounts and the connection to correspondent banking. Your institution becomes fully operational to issue accounts and process payments.