Regulatory legal opinions and licensing documentation for VASPs, CASPs, and regulated institutions.
finconduit prepares regulatory documentation that regulators accept, banking partners rely on, and your institution can stand behind. Every opinion, policy, and procedure is work product that passes scrutiny — not templates dressed as bespoke.
100%
Bespoke documentation
40+
Institutions served
6
Regulatory frameworks
EEA + UK
Jurisdictions covered
Documentation prepared to the standard of these frameworks — and the regulators that enforce them
The cost of inadequacy
Why most regulatory documentation fails when it matters most
Generic templates fail at the point of scrutiny.
Regulators and banking compliance teams have reviewed thousands of documentation packages. Template-derived AML policies, boilerplate legal opinions, and off-the-shelf compliance frameworks are identifiable on first reading — and they are treated accordingly.
Law firms are often too slow and too general.
Qualified solicitors and legal partners are essential for complex structural and transactional matters. But regulatory documentation for VASPs and CASPs requires deep domain specificity that general commercial law practice rarely develops. The result: expensive counsel producing work that does not reflect how supervisory authorities actually think.
The cost of inadequate documentation is concrete.
Banking rejections. Licence application deferrals. Supervisory queries that reveal compliance gaps. These are the observable consequences of documentation that does not meet the standard your institutional counterparties require.
finconduit exists to address this gap. Our documentation is prepared by former regulators and compliance specialists who understand the standard that supervisory bodies and banking partners apply — because they previously applied it themselves.
Five documentation disciplines.
One advisory standard.
Regulatory documentation prepared by specialists who understand the standard that actually matters.
Regulatory Legal Opinions
Formal opinions on regulatory classification, licensing obligations, and jurisdictional applicability. Prepared to the standard that regulators and banking partners accept as authoritative.
- Classification opinions for crypto-assets under MiCA
- Licensing obligation analysis by jurisdiction
- VASP and CASP regulatory status opinions
- Payment services classification under PSD2
Licensing Readiness Documentation
End-to-end documentation preparation for regulatory licence applications—EMI, VASP, CASP, and payment institution authorisations across the EEA and United Kingdom.
- Application pack preparation and review
- Business model and governance documentation
- Risk framework and control narratives
- Regulator correspondence support
AML & Compliance Programme Documentation
Bespoke compliance programme documentation designed to satisfy supervisory expectations across AML, KYC, transaction monitoring, and sanctions frameworks.
- AML/CFT policies and procedures
- KYC and customer due diligence frameworks
- Transaction monitoring programme documentation
- Sanctions screening procedures and controls
Beneficial Ownership Assessment
Structured beneficial ownership analysis and documentation that satisfies the verification requirements of banking partners, regulators, and institutional counterparties.
- UBO analysis and verification procedures
- Complex structure mapping and documentation
- Banking onboarding ownership documentation
- Regulatory disclosure frameworks
Framework Analysis & Gap Reports
Systematic analysis of your regulatory obligations against applicable frameworks, with structured gap identification and a sequenced remediation roadmap.
- MiCA transition readiness analysis
- Cross-jurisdictional framework gap reports
- DORA operational resilience gap analysis
- AML 6AMLD compliance posture review
From scope to submission.
A structured five-stage process with defined deliverables at every step, from initial assessment through to submission and ongoing support.
Initial Assessment
3–5 business daysWe review your existing structure, licensing position, and the specific documentation requirement driving the engagement.
Scoping document outlining required outputs, applicable frameworks, and engagement timeline.
Regulatory Analysis
5–10 business daysDeep analysis of applicable regulatory frameworks, jurisdictional nuance, and the specific obligations relevant to your institution.
Regulatory analysis memorandum with framework mapping and identified documentation requirements.
Documentation Development
10–20 business daysPreparation of all required documentation—legal opinions, policies, procedures, and compliance programme materials—to regulator-ready standard.
Complete documentation package, reviewed internally by a senior regulatory advisor.
Readiness Review
3–5 business daysStructured review against the standards applied by your target regulator or banking partner. Revisions incorporated before submission.
Reviewed documentation with tracked changes and a readiness assessment memorandum.
Submission Support
As requiredWe support the submission process, respond to follow-up queries from regulators or banking partners, and update documentation as required.
Submitted documentation, query responses, and ongoing correspondence support.
Document register
The specific documents we prepare for regulated institutions.
A representative selection of the documentation types we produce. Each document is prepared to the specific standard required by its intended recipient — whether that is a national competent authority, an FCA-regulated bank, or your own board and audit committee.
Legal Opinions
- Regulatory Classification Opinion — Crypto-Assets Under MiCA
- VASP Licensing Obligation Analysis — EEA Multi-Jurisdiction
- Payment Services Regulatory Status Opinion Under PSD2
- CASP Authorisation Requirements — Jurisdiction-Specific Opinion
- E-Money Institution Licensing Threshold Analysis
AML & Compliance Documentation
- Beneficial Ownership Verification Procedures Under EU AML Directives
- Anti-Money Laundering and Counter-Terrorist Financing Policy
- Customer Due Diligence and Enhanced Due Diligence Framework
- Transaction Monitoring Policy and Typologies Register
- Politically Exposed Persons (PEP) Identification and Screening Procedures
- Sanctions Screening Controls and Escalation Framework
Governance & Operational Documentation
- Governance Framework Documentation — Regulated Entity Structure
- DORA ICT Risk Management Framework Documentation
- Outsourcing and Third-Party Risk Management Policy
- Business Continuity and Operational Resilience Framework
- Data Protection Impact Assessment Framework Under GDPR
Licensing & Application Documentation
- EMI Licence Application Pack — FCA Authorisation
- VASP Registration Documentation — National Competent Authority
- Payment Institution Authorisation Programme of Operations
- MiCA CASP Authorisation Application Package
- Regulatory Business Plan — Licence Application Standard
Client voices
"The legal opinion on our MiCA classification was prepared to a standard we had not seen from any advisory firm previously. Precise, well-reasoned, and accepted by our competent authority without revision."
Head of Legal
CASP, Licensed EEA Jurisdiction
Questions institutions ask before engaging us.
Technical questions about our documentation practice, jurisdictional coverage, and the distinction between advisory and legal counsel.
Free scope assessment — no commitment
Ready to prepare your regulatory documentation?
Let's assess the scope together.
We offer a complimentary initial scope assessment to understand your documentation requirements before any engagement is formalised. We respond within one business day with a clear assessment of what is required and how we would approach it.