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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A Tuesday Tech guide by Hamid Najafi explaining how Banking-as-a-Service works, how fintechs use BaaS providers, how responsibilities are divided, and how partner infrastructure connects to core banking technology.
Advapay weekly fintech commentary for 13 to 19 July 2026: Wero merchant distribution, the digital euro pilot, stablecoin treasury and card products, DTCC tokenization, and Revolut's Dubai approval show why regulated operators need infrastructure that can support several rails and licensing regimes at once.
Karlo Soltic explains why licensing, governance, technology selection, safeguarding and banking access should be planned together when launching a regulated fintech in the EEA and beyond.
A Fintech Trends 2026 deep-dive on deliberate multi-jurisdiction strategy for fintech operators: when EEA passporting is enough, how to choose a home regulator, and when separate UK, Swiss or other non-EEA entities justify their cost.
A Tuesday Tech article by Gustav Korobov on choosing between SaaS, a perpetual software license, and source-code purchase for core banking software, including operational control, cost shape, hosting responsibility, roadmap ownership, and stage fit.
Advapay weekly fintech commentary for 6 to 12 July 2026: Nodu, Ripple, Revolut, Flutterwave, Volt, Sony Bank and the FCA show how the post-MiCA market is moving from deadline management to licensing architecture, product design, stablecoin payments and UK crypto authorization planning.
A Licensing Playbook chapter on choosing the right EEA fintech jurisdiction for EMI, PI, and CASP authorization, covering passporting, regulator style, local substance, the PI/EMI perimeter, banking access, timeline, capital, cost, and reverse solicitation limits.
A Fintech Trends 2026 deep-dive on regulation becoming technical infrastructure, covering DORA, MiCA, the EU AI Act, audit trails, platform evidence, and why compliance obligations need owners, data models, tests, and system records.
A Tuesday Tech article on build vs buy core banking software from a delivery and engineering standpoint, covering when building is justified, what a team must maintain, the platform layer hidden under the banking features, realistic time and cost trade-offs, and how Advapay Macrobank changes the decision.