Payments & Banking Access Resources

A financial-services licence does not automatically provide bank accounts, IBANs or access to payment networks. These resources explain the infrastructure and commercial relationships a fintech needs to move, safeguard, reconcile and settle customer funds after, or sometimes while, obtaining regulatory approval.

The collection covers Banking-as-a-Service, safeguarding and operational accounts, IBAN issuance, SEPA and SWIFT access, sponsor-bank relationships, payment processing, card infrastructure, stablecoin settlement and the integration of external financial-service providers. It also explains the difference between direct participation in a payment system and indirect access through a bank, EMI, PI or BaaS partner.

The guides are intended for founders and operators designing the flow of funds behind a regulated fintech product. They help teams assess which capabilities can be provided internally, which require regulated partners and how those relationships connect to the core banking platform. Advapay's perspective combines technology implementation with licensing, partner selection, account-opening support and payment-infrastructure development, helping clients coordinate the legal, technical and operational components needed to launch and run a working financial product.