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Regulatory advisory · Since 2013

Authorised wherever money moves.

Licensing, banking, compliance and transactions for payment, e-money and cryptoasset firms, led by payments entrepreneurs who have licensed, built and run regulated firms themselves.

Apply for a licenceBuy a licensed company
Since 2013Advising global payment firms
60+Countries licensed in
250+Licences obtained globally
Clients
ClearBankVolkswagenStaysureOval MoneyEMQCentus
Why firms choose BCC

Founders first.
Advisers second.

  • OperatorsWe have taken firms through licensing, run regulated payments and consumer credit businesses, and signed the regulatory returns ourselves.
  • BankingWe arrange the safeguarding, operating and settlement accounts alongside the authorisation, through the institutions that serve this market.
  • Same dayA reply within three business hours and a written proposal the same day: the licence, the requirements, the cost and the timing, before you commit.

What we do.

Nine practices covering the life of a regulated firm, from first authorisation to the sale of the business.

Board meeting around a conference table

Authorisation and Licensing

EMI, payment institution, money transmitter, MSB, cryptoasset, gaming and forex authorisations across 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 the firm’s own 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 through institutions that serve this market.

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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, with the firm kept trading throughout.

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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

Bespoke white-label platforms to launch a complete payments or fintech business: 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, stablecoin issuers and MiCA applicants

Money Remittance

Money transfer operators, corridors, agents and MSB networks

Gaming

Operators, platforms and payment providers to the sector

Forex and Investment

Brokers, liquidity providers and investment firms
AlsoEmbedded financeTrade finance and wholesaleConsumer creditInsurance 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

Our engagements.

Selected regulatory licensing engagements for payment, e-money and consumer credit firms.

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.

moneliqVariation of Permission

Obtained Moneliq’s FCA PSD2 variation of permission.

macmillanConsumer Credit

Obtained Macmillan Cancer Support’s FCA consumer credit licence.

rcmConsumer Credit

Obtained the Royal College of Music’s FCA consumer credit 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 prepared and taken through regulators in more than 60 countries, by the people who attend the regulator.
  • BankingRelationships with the banks, EMIs and payment providers that open and keep the accounts regulated firms depend on.
  • PaymentsOperators who have run a regulated payments business, with an in-house team that builds bespoke systems for clients that need them.
About the firm

How we work.

The same commitments on every engagement, in every jurisdiction.

Senior-led

Every engagement is led by the practitioners who prepare the application and attend the regulator.

One firm

Licensing, key people, banking, compliance, technology and transactions from the same team, for the life of the regulated firm.

Confidential

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

Live workspace

Every engagement runs in a shared workspace on Hector: documents, regulator questions, messages and progress in one place, 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 verticals.

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 across the firm’s markets.

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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