Free guides, checklists, and tools for fintech founders building regulated businesses in Europe. Written by the Advapay team, based on 100+ licensing processes, not theory.
The complete, practical guide to building a regulated fintech globally - from initial business model validation through to post-launch compliance.
By Ivan Aleksandrov, Chief Strategy Officer at Advapay · 100+ fintech launches supported
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Compare EMI and PI licenses for fintech founders: e-money issuance, customer balances, payment services, capital requirements, business-model fit, upgrade risk, and how to choose the right route.
An operator-focused Advapay analysis of stablecoins as treasury and settlement infrastructure: where fiat-referenced tokens beat legacy rails, how MiCA draws the perimeter, and what custody, monitoring, reconciliation, accounting, and licensing controls regulated fintechs need.
A Tuesday Tech article on modern core banking architecture, explaining what cloud-native really means for regulated fintech operators in 2026: modular domain logic, resource-elastic runtime services, messaging, caching, observability, and Kubernetes-ready operation.
Advapay weekly fintech commentary for 22-28 June 2026: Binance withdraws its Greek MiCA application, ESMA warns unlicensed crypto firms to wind down, early filers passport across the EU, and capital backs regulated infrastructure.
Advapay explains the difference between Swiss SRO membership and the Banking Act fintech license, including AML supervision, deposit-taking, capital, timeline, EU passport limits, and jurisdiction fit for fintech and crypto founders.
An operator-focused Advapay analysis of why embedded finance is moving from API integration to licensing, safeguarding, partner-bank oversight and regulatory accountability.
A Tuesday Tech explainer on what core banking software actually does in 2026, why the modern core is more than a ledger, and how Macrobank packages regulated modules, cloud-native architecture, card readiness, observability, and delivery models for fintech operators.
MiCA authorizations, Ripple and Flutterwave, stablecoin invoicing and cards, and compliance infrastructure in the week of 15-21 June 2026.
Advapay explains why custody-only crypto models still require CASP authorization under MiCA, what the capital class means, and how VASPs must transition.