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 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.
Advapay weekly fintech commentary for 29 June to 5 July 2026: the MiCA transitional period ends, Binance is locked out of the EU, Pay10 secures a Hungarian EMI license, and SBI buys Bitbank as capital keeps consolidating into licensed operators.
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.