Bank Charters Are Back in Fintech. They Are Not a Shortcut.
Dakota, Zaria and Nayax moved towards regulated banking structures while bunq's US charter bid was rejected. Why fintechs want more control - and what comes with it.
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Author profile
Andrey Borisenkov
Chief Operating Officer, Advapay
LinkedIn profile10 authored resources
Writes about
Fintech market analysisRegulated fintech operationsLicensing and banking accessPayments infrastructureMiCAStablecoinsEmbedded financeCross-border payments
Andrey Borisenkov is Chief Operating Officer at Advapay, responsible for commercial strategy, operational execution, and the internal systems that keep regulated fintech projects moving from plan to delivery. He oversees day-to-day operations across business functions, with a focus on process discipline, commercial alignment, operational resilience, and scaling Advapay's work with payment companies, e-money institutions, crypto businesses, and financial technology teams.
Andrey writes Advapay's weekly fintech commentary, selecting the market, regulatory, funding, and infrastructure stories that can change real decisions for founders and operators. His perspective connects news flow with practical questions around licensing, banking access, payments infrastructure, core banking technology, embedded finance, stablecoins, MiCA, and cross-border expansion.
His author work is aimed at readers who need to understand what developments mean operationally: whether to accelerate licensing, rethink partner-bank dependency, prepare for supervisory expectations, or adjust the technology and compliance roadmap before launch.
Authored texts
Latest from Andrey Borisenkov
AI Is No Longer Just a Fintech Feature
A Fintech This Week analysis of how Revolut, Chime and BaFin show AI moving beyond customer-facing fintech features into subscription distribution, workforce design, systems of record, workflow redesign and financial supervision.
2026-08-03Technology
Read More →Stablecoins Are Entering the Finance Stack. Now Comes the Hard Part
Advapay weekly fintech commentary for 20 to 26 July 2026: Visa, Ramp, LemFi and OpenPayd show stablecoins moving into treasury, accounting and cross-border settlement, while agentic payments, virtual cards and licensing developments confirm that control, reconciliation and permissions determine whether new rails can scale.
2026-07-27Strategy / Infrastructure
Read More →Fintech This Week: Europe's Payment Rails Get Real, Stablecoins Reach the Card Networks, and Tokenization Moves Into the Back Office
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.
2026-07-20Strategy / Infrastructure
Read More →Fintech This Week: The Post-MiCA Market Takes Shape
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.
2026-07-13Strategy / Infrastructure
Read More →Fintech This Week: The MiCA Deadline Passes, Binance Is Locked Out, and the Licensed Take the Market
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.
2026-07-06Strategy / Infrastructure
Read More →Fintech This Week: Binance Walks Away from Greece, ESMA's Final Warning, and the MiCA Deadline Arrives
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.
2026-06-29Strategy / Infrastructure
Read More →Fintech This Week: MiCA Picks Winners, Stablecoins Hit the Back Office, and Compliance Gets Funded
MiCA authorizations, Ripple and Flutterwave, stablecoin invoicing and cards, and compliance infrastructure in the week of 15-21 June 2026.
2026-06-22Strategy / Infrastructure
Read More →Fintech This Week: Visa's Stablecoin Push, a Unicorn Chasing a Bank License, and the Neobank Reset
Advapay's weekly fintech commentary for 8-14 June 2026: Visa builds stablecoins into the payment stack, KOHO raises to pursue a bank license, Current takes a down round, and the MiCA clock ticks under three weeks.
2026-06-15Strategy / Infrastructure
Read More →Fintech This Week: Stablecoins Hit the Card Rails, Temenos Goes Shopping, and a $44bn Bet on Plumbing
Advapay's weekly fintech commentary for the week of 1-7 June 2026: Mastercard and Visa moving card settlement onto stablecoins, Temenos acquiring additiv, Ramp's $750m round, and the MiCA clock now under four weeks.
2026-06-08Strategy / Infrastructure
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