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Regulatory advisory · Since 2013

Authorised wherever money moves.

We build licensed payment, e-money, crypto and stablecoin businesses: the licence, the team, the technology, the bank accounts and card issuing, in more than 60 countries.

Apply for a licenceBuy a licensed company
Since 2013Advising global payment firms
60+Countries licensed in
250+Licences obtained globally
Clients
ClearBankVolkswagenMacmillan Cancer SupportRoyal College of MusicStaysureOval MoneyEMQCentus
Why firms choose BCC

Founders first.
Advisers second.

  • OperatorsWe have run regulated payment businesses, held regulator-approved roles and licensed payment firms in more than 60 countries since 2013.
  • One teamOne in-house team runs the whole programme, from the application to the day you go live.
  • ArrangedBank and safeguarding accounts, card issuing and payment processing, arranged directly through our relationships with banks, card schemes, issuers and processors.

What we do.

Everything a regulated payments business needs, from the first licence to launch, growth and sale.

Board meeting around a conference table

Authorisation and Licensing

EMI, payment institution, money transmitter, MSB, cryptoasset, stablecoin, gaming and forex authorisations in more than 60 countries.

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Colleagues reviewing documents

Regulatory Compliance

Regulatory reporting, policies and procedures, governance, conduct risk and the ongoing obligations every regulator imposes after authorisation.

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Monitoring screens

Financial Crime

AML, sanctions, transaction monitoring and MLRO frameworks built around your customers and corridors.

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Bank vault door

Safeguarding and Client Assets

Client asset safeguarding across jurisdictions, including CASS 15 in the United Kingdom, with daily reconciliation and the annual audit.

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Classical bank facade

Banking Access

Safeguarding, operating and settlement accounts for regulated and higher-risk firms, opened alongside the application.

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Handshake across a table

Licensed Companies and Change of Control

Licensed companies for sale, buyers matched to them in confidence, and the change-of-control approval that completes the purchase.

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Two people reviewing documents at a table

Regulatory Turnaround

Remediation delivered to the regulator’s timetable, from the first letter to a full independent review.

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A phone held over a card reader

Banking-as-a-Service

Programme access to launch payments, accounts and cards under an existing licence while your own authorisation is in progress.

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A laptop showing code on a desk

Technology

White-label platforms built for your product: accounts, payments, wallets and card programmes, ready to go live with the licence.

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Who we act for.

The businesses that hold, move and convert money.

Payments

Payment institutions, acquirers, processors and open banking providers

E-money

Wallets, prepaid cards, virtual IBANs and Banking-as-a-Service programmes

Cryptoassets

Exchanges, custodians, brokers and MiCA applicants

Money Remittance

Money transfer operators, corridors, agents and MSB networks

Stablecoins

Issuers and the payment firms building on them, in the US, EU, UK, Hong Kong and Singapore

Forex and Investment

Brokers, liquidity providers and investment firms
AlsoEmbedded financeTrade finance and wholesaleGamingInsurance distribution

Where we license.

Licensing and compliance across more than 60 countries, from offices in London and New York.

  • United StatesFinCEN MSB registration, state money transmitter licences and the New York BitLicense50 states
  • United KingdomEMI, payment institution, cryptoasset, investment and gambling authorisationsFCA
  • EuropeEMI, payment institution and MiCA licences in every EU and EEA state, and Switzerland30 countries
  • Middle EastCentral Bank of the UAE payment licences, DIFC and ADGM, and Dubai virtual asset licencesUAE
  • AsiaSingapore payment institution licences and Hong Kong stored value, money service and virtual asset licences2 centres
  • Canada, Australia and New ZealandFINTRAC and AUSTRAC registrations, Australian financial services licences and New Zealand registration3 countries
  • Gaming and trading centresGaming licences in Malta, the Isle of Man, Gibraltar, Curaçao and Alderney; investment dealer licences in Cyprus, Mauritius, Seychelles and Labuan9 centres
Singapore financial district

Firms we have licensed.

Selected payment and e-money licences from more than 250 obtained since 2013.

nexpayPayment Institution

Obtained Nexpay’s FCA Authorised Payment Institution licence.

Payment Institution

Obtained Orbital’s FCA Authorised Payment Institution licence.

ovalPayment Institution

Obtained Oval’s FCA Authorised Payment Institution licence with open banking permissions.

ownElectronic Money Institution

Obtained Own Solutions’ Central Bank of Ireland Electronic Money Institution licence.

dzingElectronic Money Institution

Obtained Dzing Finance’s FCA Authorised Electronic Money Institution licence.

hryzeElectronic Money Institution

Obtained Hryze’s FCA Electronic Money Institution licence.

AlsoGlobal Send, Hami, Onpoint Money, HFS and EuroPanPayCase studiesFull engagement record
An adviser taking a call at his desk

Our people.

Four decades of combined experience in payments, licensing and banking. The founders have licensed payment firms since 2013, run a regulated e-money institution and held FCA approved roles.

  • LicensingApplications taken through to approval in more than 60 countries.
  • BankingDirect relationships with the banks, EMIs and payment providers in the countries we license, for safeguarding, operating and settlement accounts, card issuing and payment processing.
  • PaymentsOperators who have run regulated payment businesses and provide the technology, banking and card programmes you launch on.
About the firm

How we work.

Four commitments, set out in writing before any engagement starts.

Senior-led

The same senior team handles your application from the first call to approval, including every question the regulator raises.

One firm

Licence, key people, technology, banking and compliance, arranged by one dedicated team with decades in payments and direct relationships with banks worldwide.

Confidential

Your plans, your application and any listing stay private. Clients are named only with their agreement.

Live workspace

Documents, regulator questions, messages and progress in a shared client workspace, visible to your team at every stage.

Advisers overlooking a financial district

Marketplace.

The register of licensed companies for sale, the buyers looking for them, and the banking available to regulated firms. Updated quarterly.

For sale

Licensed companies

Authorised EMIs, payment institutions, MSBs and cryptoasset firms, with their permissions, banking and safeguarding arrangements in place.

View companies for sale Wanted

Buyer mandates

Acquirers with capital committed, by licence type and jurisdiction, matched in confidence to the firms on the register.

View buyer mandates Banking and processing

Accounts and payment processing

Safeguarding, operating and settlement accounts, card acquiring and payment processing for regulated firms and their clients, including higher-risk sectors.

View banking and processing
Quarterly price report: what licensed companies are selling for, by licence and jurisdiction.Request the report

Insights.

Authorisation, supervision and safeguarding in the markets we cover.

Cryptoassets · United Kingdom

UK crypto licence 2026: FCA authorisation under the new regime

What the new regime requires, who must apply, and how existing registered firms move across.
Licensing · United States

How to obtain a US money transmitter licence: 2026 state-by-state guide

Requirements, bonds, capital and timelines across the states, and the order to apply in.
Registration · United States

How to obtain FinCEN MSB registration in the United States: 2026 guide

Registration, the AML programme behind it, and what examiners expect in year one.
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