# Banking, Licensing & Payment Services for High-Risk Businesses

We tell you who is likely to say yes before you apply, then take you from license to a banked, redundant payment setup that holds under review. One senior team, four practices, since 2018.

## The four practices

- **Banking & EMI** (our core service) — placement with banks and EMIs that keep the account open, not just the ones that say yes once.
- **Licensing** — the licenses that make banking and processing possible: MGA, EMI, VASP, forex and adjacent regimes, sequenced so banking follows the license rather than fighting it.
- **Payment Processing** — a primary and a backup acquirer, sane reserve terms, so one offboarding slows you down instead of stopping you.
- **Crypto & Digital** — fiat rails that survive the compliance review, VASP structuring, banking that does not close the moment it sees crypto in the flow.

## Bank vs. EMI, honestly

A bank account and an EMI solve different problems. Most consultancies sell whichever one they have a partner for; we advise on which one your volume, timeline, and risk profile actually need, often both.

- Speed to open: bank 4-10 weeks (more with a high-risk MCC); EMI 1-3 weeks.
- Permanence: bank durable once approved, harder to get and harder to lose; EMI faster in, reviews its book more often.
- Settlement rails: bank full SWIFT/SEPA and correspondent reach; EMI SEPA-first, some add card acquiring.
- High-risk appetite: bank rare and specific to a handful of institutions; EMI more providers accept your MCC, at a price.

## BankMyCapital vs. a generalist corporate services firm

- You learn who says yes before you apply, in writing — a generalist has you learn after you apply, by rejection.
- Vertical fluency: crypto, iGaming, forex, adult, since 2018 — a generalist treats high-risk as an afterthought to generic corporate services.
- Redundancy is built in from the start — a generalist's single point of failure is discovered at the worst time.
- We stay in the relationship through review — a generalist's introduction ends at signature.
- We tell you when the answer is no, in writing, free — a generalist takes the fee and files the application anyway.

## What we do not do

- We do not guarantee approval. Anyone who does is not being straight with you.
- We do not remove anyone from the MATCH list for a fee, and we do not work with anyone who claims to.
- We do not misrepresent your MCC to an acquirer. It is what gets accounts closed for good.
- We do not sell shelf companies with nominee-director smoke. If a structure is fake, it fails the first real review.

## Sectors we serve

Crypto (exchanges, VASPs, on/off-ramps, custody, token issuers), iGaming (casinos, sportsbooks, MGA/Curaçao and adjacent licenses), Forex (brokers and prop firms needing settlement banking and acquiring that holds), Adult (content platforms and high-chargeback merchants the acquirers keep dropping).