Diagnostic tools for institutions weighing banking access.
Each tool runs the same diagnostic frameworks finconduit advisors use on engagements — directional, not definitive, and grounded in what correspondents and Tier-1 institutions actually look at. Outputs are deliberately honest: the work shows up where the gaps are real.
- Diagnostic
Bankability Score Calculator
Eight-question diagnostic with a live-updating circular gauge. Score, band, narrative, three priority remediation moves, and what-if sliders to see how each upgrade moves the score.
~90 sec · Live · No data stored - Configurator
Correspondent-Banking Compatibility Checker
Six chip-toggle inputs, three correspondent tiers analysed: Tier-1 EU clearing, Tier-2 specialist, crypto-aware correspondent. Acceptance band, realistic timeline, 15–25 RFI questions per tier, top frictions.
~2 min · No data stored - Live calculator
Capital Floor Calculator
Pick a regime (EMI / PI-PSP / CASP / EMT issuer), drag sliders for volume, overheads, outstanding e-money, reserves. The required-minimum number updates in real time with per-method breakdown across PSD2, EMD2, and MiCA.
Live · Slider-driven - Live comparator
EEA Jurisdiction Comparator
Pick up to three EEA jurisdictions, compare side-by-side: minimum capital, fees, processing time, supervisor strictness, banking-access reality, substance burden, finconduit's view per jurisdiction.
9 markets · Multi-select · No data stored - Decision tree
MiCA Token Classifier
Walk a practitioner-grade decision tree. Each answer reveals the next step. The leaf returns the classification (EMT, ART, utility, MiFID, NFT, or out-of-scope), the relevant articles, capital, and authorisation pathway.
6 questions · 6 possible classifications - Architecture designer
Multi-Bank Architecture Designer
Add tier-card archetypes — Tier-1 EU clearing, Tier-2 specialist, Tier-3 crypto-aware. The redundancy score updates as you build. Single-points-of-failure highlight automatically. Recommended next addition reflects gap analysis.
Tap-to-add · Live · No data stored - Multi-regulator scorer
Substance Calculator
Five sliders — local employees, board meetings, director residency days, office floor area, locally-resident MLRO. Live pass / conditional / fail verdict per regulator across nine European NCAs.
9 regulators · Live · No data stored
More tools shipping this year — including a stablecoin-issuance jurisdiction selector, a cross-border payment-stack configurator, and a bank-rejection-reason decoder.