Licensing
Regime selection, the application file and what a regulator actually asks for.
OpenNotes on the regulatory questions clients actually bring us. Written for people running a business, not for other lawyers — every piece states what changed, who it affects and what to do about it.
-
MiCA after the transitional period: what changed on 1 July 2026
The grandfathering window closed with no extension. What that means for firms still operating without authorisation, and the three routes that remain into the EU market.
2026-08-09 · 9 min read -
Banking onboarding for regulated digital business: why banks say no
Refusals are rarely about the business. They are about six questions a compliance officer has to close, and a file that does not close them.
2026-08-09 · 8 min read -
Choosing a licensing regime: a comparison framework
A method for deciding between regimes that starts with your markets and payment rails rather than with a table of state fees.
2026-08-09 · 10 min read
Tell us what you are building
A short description of the product, the markets and the payment flows is enough for us to say what is required, in what order and at what cost.
Describe your matter
We reply within one business day with a scope, the deliverables and an indicative fee — not a brochure.