Financial Regulation Advisory
Payments, crypto, and lending licenses are getting harder, compliance burdens are rising. Sure provides financial regulation advisory to help clients get approved quickly and cost-effectively in the best jurisdiction.
Our Services
Comprehensive financial regulation advisory services to enhance your business.
Country Selection
Business Plans
Solution Sourcing
License Applications
Compliance Support
Your Benefits
Sure has an exceptional track record in financial regulation advisory.
Country Coverage
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Estonia
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Latvia
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Lithuania
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Ireland
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United Kingdom
Estonia
Latvia
Lithuania
Ireland
United Kingdom
Licenses
Payment Institution (PI)
Electronic Money Institution (EMI)
Crypto Asset Service Provider (CASP)
Virtual Asset Service Provider (VASP)
Account Information Service Provider (AISP)
Payment Initiation Service Provider (PISP)
Account Servicing Payment Service Provider (ASPSP)
Credit License
Specialised Banking License
Banking License
Crowdfunding License (ECSPR)
Credit Unions
Sectors we serve
We work with clients across a range of financial services sectors.
Payments
Launch fast, grow volumes across rails and reduce financial crime.
eCommerce
Secure processing, increase conversions and reduce cost.
Crypto Assets
Design products, secure approvals and source technology enablers.
FinTechs
Grow with integrated commercial, technology, and funding roadmaps.
Lenders
Grow lending, reduce NPLs and automate end-to-end processes.
Banks
Build loyalty with data-led insights, personalised CX, and frictionless delivery.
Private Equity
Access FinTech deal flow and maximise portfolio performance.
Governments
Craft winning policies to generate investment, jobs and trust.
Frequently Asked Questions
Got a question?
Quick answers to questions on financial regulation advisory.
The revised Payment Services Directive (PSD2) is the primary legislation in the EU. It requires market participants to be authorised to perform payment, eMoney and data sharing activities. PSD2 also defines operational standards and compliance obligations to protect consumers and financial system stability. Approved participants can passport across the EU.
The Markets in Crypto-Assets (MiCA) is the primary legislation in the EU. MiCA authorisation to perform crypto asset (CASP) and virtual asset (VASP) services such as token issuance, trading, custody and administration. MiCA defines new standards to protect consumers and financial system stability, and creates a compliance obligation for AML/CTF checks on account opening and transactions.
Lending in the EU is regulated by several directives and laws. Participants tend to be authorised based on a specific activity and jurisdiction, with rules around marketing, pricing and consumer conduct. Banks face tougher requirements than FinTechs, especially in the management of risk and capital adequacy (CRR and CRD IV). In the coming years harmonisation of regulation will make cross-border credit more viable for consumers, lenders and regulators.
Regulation is increasing at the EU and country levels. From an industry perspective, Payments, Crypto Assets, Lending and Sustainable Finance are seeing significant focus. From a technology perspective, DORA creates new obligations on financial institutions and their suppliers. AI is in focus for all stakeholders. Regulators see risks increasing from the effect of weak economies, geopolitics, and financial crime.
Regulation sets boundaries in areas including products, service delivery, capital reserves, market conduct, risk management, continuity planning, reporting, and governance. Regulation directly impacts revenues, costs and capital. Positive regulation can enable innovation, competition and stability. Negative regulation may lead to inefficiency, reputational damage, and restrict activity.
It pays to be Sure
From start-up scale, Sure is by your side.