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Tool · Multi-Bank Architecture Designer

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.

Tier 1 — Primary clearing

Major EU clearing banks, USD correspondent. Slow to onboard. Foundation for institutional volume.

Empty — tap an archetype below to add.

Tier 2 — Operational banking

EMI partner and specialist EEA banks. Day-to-day execution and faster onboarding.

Empty — tap an archetype below to add.

Tier 3 — Crypto-aware

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.

Redundancy
0
No architecture
0 archetypes placed
Single points of failure

No single points of failure detected at the current architecture.

Recommended next addition

Start with a Tier-2 / EMI partner — fastest to onboard, gives operational payments capability immediately.

Practitioner notes
  • 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 informational purposes only. This tool is 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.