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.
- Start here · Flagship
MiCA Regulatory-Exposure Screener
Ten questions about your crypto-asset business → the EU regulations that apply to you (MiCA, Travel Rule, AML, DORA, MiFID II), a 0–100 exposure score, the critical alerts, an implied capital floor, and a prioritised action list that routes you into the right deeper tool. The best place to begin.
10 questions · Exposure score · Live · No data stored - Highest-intent decoder
Bank-Rejection-Reason Decoder
You just got the rejection — now what? Pick the category, then the specific phrasing the bank used. The decoder translates bank-speak to the underlying control concern, names the verdict (remediable / partial / terminal), gives you the three priority moves before any re-apply, and tells you where to apply next as tier archetypes.
25 patterns · 10 categories · No data stored - 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 - Live estimator
Licence Cost & Timeline Estimator
The application fee is the smallest number. Model the real Total Cost of Licensing — legal, compliance build, substance, year-1 supervision — plus an indicative authorisation timeline, across six EEA jurisdictions and five licence types. Capital floor shown separately because it is locked, not spent.
6 jurisdictions · 5 licence types · Live - Decision-support modeller
Effective Tax Rate Modeller
Indicative blended effective rate across operating, holding, and IP jurisdictions, with live Pillar Two scope, 15% top-up risk, and CFC attribution flags. Honest about its own limits — distinguishes the accounting ETR from the GloBE calculation and flags the substance carve-out it does not model.
16 jurisdictions · Pillar Two + CFC · Live - Scope checker
DAC8 / CARF Reporting Scope Checker
DAC8 is in force and the first reportable period is already running. Screen whether you are a reporting crypto-asset service provider, what becomes reportable, your single-registration exposure, and — the part most firms miss — where your data is not yet ready for the 2027 return.
DAC8 + CARF · First return 30 Sep 2027 · Live - Live calculator
Crypto Card-Program Economics Modeller
Every crypto firm wants a card; few model the economics beneath it. Drag volume, average ticket, card type, and BIN-sponsored vs principal-member to see indicative interchange revenue, scheme + sponsor + processing cost, and the net unit economics. EU interchange caps built in.
IFR-capped · Net bps · Live - Live recommender
Stablecoin Issuance Jurisdiction Selector
Stablecoin issuance is now a licensed activity in every serious market. Set your peg, target markets, reserve model, and client type to get a ranked recommendation across MiCA EMT, the US GENIUS Act, Hong Kong, Singapore, the UAE, and Bermuda — and a flag when you likely need parallel structures.
7 regimes · Ranked fit · Live - Live configurator
Cross-Border Payment-Stack Configurator
Pick a send region, a receive region, and a rail, and see the operational architecture — the licences needed at each end, on/off-ramp options, the Travel-Rule and sanctions pivots, FX-control flags, and the corridor-specific gotchas that sink launches.
7 regions · Corridor architecture · Live - Self-assessment
Crypto-Exchange Operations Self-Audit
A Class-3 CASP self-audit across the eight areas NCAs inspect — custody, client-asset segregation, market-abuse surveillance, conflicts, AML/KYT, complaints, ICT/DORA, and business continuity. Mark a status for each; live overall score, per-dimension bands, and the gaps to close first.
8 dimensions · 24 questions · Live - Live estimator
Wind-Down Runway Estimator
Orderly wind-down is now a supervisor expectation, not a back-of-drawer formality. Model the runway your liquid resources buy against monthly burn and the indicative wind-down cost, and see whether you are funded or short — with safeguarded client balances correctly ring-fenced out.
MiCA Art. 47 + FCA WDPG · Live - 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 - Live calibrator
Transaction-Monitoring Threshold Calibrator
Customer mix + geography + product set drive recommended single-tx, daily, weekly, monthly + structuring thresholds. Plus alert volume estimates and AML analyst / MLRO FTE.
Live · Cited against EBA + 6AMLD + FATF - Self-assessment
DORA Compliance Score
Twenty questions across the five DORA pillars — ICT risk management, incident reporting, resilience testing, third-party risk, information sharing. Live overall score, per-pillar bands, top five gaps.
5 pillars · 20 questions · Live - Live matrix
Travel Rule Coverage Matrix
Does the EU Travel Rule (Regulation 2023/1113) apply, and what data must accompany the transfer? Coverage across CASP / EMI / PSP scenarios with self-hosted wallet handling.
TFR2 · Live · No data stored - Risk-band map
EDD Trigger Map
When does Enhanced Due Diligence kick in? Live map across geography, product, channel, source-of-wealth, and PEP status — cited against 6AMLD Articles 18, 20–21 and EBA ML/TF Guidelines.
6AMLD + EBA GL/2024/01 · Live - Decision tree
SAR / STR Decision Tree
Should you file the suspicious activity? Walk a branching tree across 8 red-flag classes. Output: file immediate + hold / file prompt / document and monitor / closed unsupported / pre-filing legal opinion.
5 leaf decisions · 6AMLD Articles 33–35
finconduit ships new practitioner tools every quarter, calibrated against live engagement work. If a diagnostic you need isn't here yet, mention it on your assessment call — we publish the most-asked tools first.