Design your multi-bank
architecture, see it scored.
Tap to add tier-card archetypes — Tier-1 EU clearing, Tier-2 specialist / EMI partner, or Tier-3 crypto-aware. The redundancy score updates as you build. Single-points-of-failure highlight automatically. The recommended next addition reflects the gap analysis finconduit advisors run on banking-architecture engagements.
Major EU clearing banks, USD correspondent. Slow to onboard. Foundation for institutional volume.
Empty — tap an archetype below to add.
EMI partner and specialist EEA banks. Day-to-day execution and faster onboarding.
Empty — tap an archetype below to add.
Reserve-banking and on/off-ramp partners. Required for stablecoin issuers and crypto-flow facilitators.
Empty — tap an archetype below to add.
No data is sent or stored. Computation runs locally.
No single points of failure detected at the current architecture.
Start with a Tier-2 / EMI partner — fastest to onboard, gives operational payments capability immediately.
- Without Tier-1 EU clearing, a serious institutional banking-access strategy requires a clear path to one within 12 months.
Dataset version 2026-05-04
For orientation only — not financial, legal, regulatory, or investment advice. Outputs are directional and based on generalised inputs. Decisions should be taken only after consultation with a qualified adviser on your specific facts — book the full assessment before acting on anything you read here.
Numbers shown exclude finconduit fees and any third-party costs (legal, audit, regulator-mandated experts, banking-relationship fees, document-translation, ongoing supervisory levies, or local agent / service-provider charges). Real-world authorisation budgets typically exceed the headline regulator-side numbers by a meaningful multiple.