Who we work with
Providers
Banks, EMIs, PSPs, crypto infrastructure, payment platform vendors
- We introduce B2B clients that fit your risk appetite: jurisdictions, verticals, volumes.
- Each client arrives with a complete file: ownership structure, source of funds, business and flow description. You run your own checks under your own procedures.
- We work under a referral agreement signed before the first introduction.
Businesses
PSPs, fintech start-ups, iGaming, companies with cross-border payments
- We shortlist up to three account and processing providers that fit your profile.
- We work with you on the KYB file and help you through onboarding. The provider makes the decision.
- We help you choose a jurisdiction and prepare for incorporation, and we prepare a payment institution registration or licence application.
Services
Each service is a package with a defined scope. The fee for each package is fixed in writing before work starts. Prices exclude VAT where applicable.
Provider matching
From €500Profile review, a shortlist of three banks, EMIs or PSPs, introductions to their onboarding teams, KYB file preparation, help with your answers to the provider’s compliance questions. You answer as the applicant.
Jurisdiction choice and incorporation readiness
From €1,000Comparing jurisdictions and entity types for the business model, a document checklist, guidance on choosing a licensed local agent, a plan for the first steps after incorporation.
Payment institution licensing
From €3,000Running the application project: business plan and financial model, product and flow description, AML document set, preparation for regulator questions and interviews, coordination with local counsel.
Jurisdictions
Canada
- MSB: FINTRAC registration
- PSP: Bank of Canada registration under the RPAA
- Quebec: separate provincial licence
European Union
- Payment institution (PI)
- Electronic money institution (EMI)
- Crypto-asset service provider under MiCA (CASP)
Africa
- Payment operator and mobile money licences
Country and regime chosen per project; local counsel engaged per matter.
Latin America
- Payment and fintech licences, provider registrations
Country and regime chosen per project; local counsel engaged per matter.
From first email to result
Brief
A 20-minute call or short questionnaire: model, markets, volumes, current providers.
Proposal
Scope, package contents and fixed fee in writing.
Preparation
We put together the documents, structure and file for the provider or regulator.
Introduction or filing
We introduce you to providers, or help you file the application and run the process until a decision.
Oleg Zubrev
Founder, ALFAWIN ADVISORY
- 20+years in the financial sector and on the stock market
- 10+years of legal practice
I work with companies in payments, crypto-assets and iGaming on the three things that decide whether they can operate: the right registration or licence, a compliance system that stands up to scrutiny, and access to banks and payment providers.
Licensing and registration
Canada — MSB registration with FINTRAC; PSP registration with the Bank of Canada under the RPAA. EU — preparing applications for payment institution, e-money institution and CASP status under MiCA. I prepare the complete file: business plan, description of operational flows, AML/CFT framework, and responses to the regulator’s questions.
AML/CFT that works in practice
Enterprise-wide risk assessment, customer risk assessment, CDD/EDD, transaction monitoring, sanctions and PEP screening, reporting and record-keeping. Procedures are written for the way the business actually operates and then automated where possible.
Access to providers
Onboarding with banks, EMIs and PSPs, including high-risk profiles. The client comes with a complete, consistent file and a clear understanding of its risks — which is what onboarding teams base their decisions on.
Terms of work
- We do not promise account opening, registration, a licence or regulator timelines.
- We do not receive, hold or transfer client funds.
- We are not an agent of any provider and do not carry out KYC on their behalf.
- We do not provide registered office, contact person or nominee services.
- Fees received from providers are disclosed to the client in writing.
- We screen clients and owners against sanctions lists before starting work.
- We do not file on the client’s behalf; the applicant files.
Common questions
Do you guarantee an account, a registration or a licence?
No. Banks, EMIs and PSPs decide on onboarding under their own procedures, and regulators decide on registrations and licences and set their own timelines. We prepare you so that the file is complete, consistent and honest about the risks.
Who pays you when you introduce us to a provider?
You pay a fixed fee agreed in writing. Some providers pay introducers a referral fee; if a provider pays us anything in connection with your case, we tell you in writing before the introduction.
What do you need from us to start?
A short brief: what the business does, ownership structure, target markets, expected volumes and flows, current providers and any past declines. From that we send a written proposal with scope and fee.
Do you work with high-risk businesses and iGaming?
Yes, where the activity is lawful in the target jurisdiction and ownership and source of funds can be documented. Every client and its owners are screened against sanctions lists before work starts.
How long does it take?
The proposal states our own timeline for each stage. Provider onboarding and regulator review take as long as the provider or regulator needs; we do not promise their timelines.
Do you file applications or open accounts on our behalf?
No. You file your own applications and sign your own agreements with providers and local agents. We prepare the file, the answers and the process, and stay with you until a decision.
Do you provide a registered office, directors or nominees?
No. Registered office, contact person and nominee services are provided only by licensed local providers, under your own contract with them.
Who gives legal opinions?
Licensed counsel in the relevant jurisdiction, engaged per matter. ALFAWIN ADVISORY provides consulting and project support.