Jurisdiction • Singapore

Singapore: fintech and crypto structuring with a regulator-grade compliance posture.

Singapore is a premium jurisdiction for fintech and digital asset businesses where credibility and counterparty trust matter. But it is also a “high scrutiny” environment: banking, licensing exposure and compliance execution are often decisive. We help teams map activities, build a defensible route, and prepare governance + compliance + legal documents that match real flows.

We focus on implementable controls (not templates): onboarding, sanctions screening, outsourcing controls and evidence trail.

Best fit for Singapore

Fintech/crypto businesses prioritizing credibility and banking.
Teams with institutional partners, investors and audits.
Businesses needing strong governance and documented controls.
Projects that can operate with “high compliance discipline”.

Often paired with Crypto licensing and Corporate.

Routes

Typical Singapore engagement routes

We don’t “promise a license” first. We map your services, counterparties, custody responsibility and target markets — then confirm the route.

Route

Regulatory positioning memo

A defensible view on what applies to your model.

Services and flow mapping (fiat + crypto).
Custody/control responsibility matrix.
Licensing exposure and compliance gaps list.
Roadmap: documents, roles, procedures, evidence.

Best first step for high-scrutiny jurisdictions.

Route

Banking/PSP readiness

When fiat rails and counterparties drive viability.

Flow-of-funds narrative and counterparty map.
AML/KYC + sanctions evidence trail baseline.
Onboarding procedures (SOPs) and approvals.
Outsourcing controls, incident plan and audit prep.

Often needed even before any formal submission.

Route

Corporate & governance setup

Clean ownership, decision-making and DD readiness.

Governance and delegated authorities baseline.
Founder/shareholder arrangements (if needed).
Contracts for vendors, contractors and partners.
Compliance roles and reporting cadence setup.

Designed to survive institutional DD.

Process

How we build a Singapore-ready setup

The goal is to align governance, compliance and documentation with real flows — so counterparties and auditors see consistency.

Map services & flows

Clients, geographies, fiat rails, custody responsibilities, outsourcing and counterparties.

Define posture

Regulatory positioning, risk profile, what must be built first for banking/partners.

Build controls

AML/KYC, sanctions, governance, outsourcing controls, incident and reporting cadence.

Prepare documents

Client-facing docs + contracts + evidence pack for banks/PSPs and institutional DD.

Output: a coherent “compliance + legal” system that can be executed by your team and explained to counterparties.

Deliverables

What we deliver for Singapore-focused teams

The baseline below covers most fintech/crypto teams aiming for institutional readiness (banking, partners, auditors, investors).

Core

Positioning memo & roadmap

Defensible route with a practical build plan.

Scope and assumptions memo.
Risk exposures and controls map.
Counterparty checklist (banks/PSPs/partners).
Document plan + implementation steps.

Best “first deliverable” to avoid rework.

Compliance

AML/KYC & sanctions baseline

Implementable onboarding and monitoring rules.

CDD/EDD logic and client risk scoring.
SOF/SOW evidence baseline (as needed).
Sanctions/PEP/adverse media workflow.
Recordkeeping and escalation rules.

Core for banking/PSP onboarding.

Governance

Compliance manual & roles

Responsibilities, reporting cadence and evidence trail.

Compliance manual and responsibilities map.
Approval matrix and escalation workflow.
Controls register + reporting cadence.
Conflicts and conduct rules (as needed).

Designed for institutional DD.

Ops

Operational SOPs

The “how-to” procedures your team can run daily.

Onboarding procedures and periodic reviews.
Monitoring and alert handling workflow.
Incident response and communications baseline.
Outsourcing/vendor due diligence SOPs.

Execution is what gets scrutinized.

Legal

Client-facing & product docs

Legal docs aligned to your product and markets.

Terms of Use / service terms.
Privacy & cookie notices (as needed).
Risk disclosures and disclaimers.
Restricted jurisdictions/client type rules.

Reduces cross-border legal risk.

Deal

Contracts & DD support

Agreements for partners, vendors and fundraising.

Vendor/outsourcing agreements and clauses.
Partner/bank/PSP questionnaire support.
Term sheet/SHA review (as needed).
DD pack structure and legal narrative alignment.

Built for investor and institutional scrutiny.

FAQ

Common questions

Short answers. We confirm the exact route after mapping your services and counterparties.

Is Singapore a “fast” jurisdiction for crypto licensing?

Singapore is credibility-first and scrutiny-heavy. The “speed” depends on whether your model, controls, team and evidence trail are ready. We typically start with a positioning memo and a minimum viable compliance scope.

What is usually the biggest bottleneck?

Banking/PSP readiness and evidence trail: clear flows, clear custody responsibility, strong AML/KYC + sanctions controls, and consistent documents your team can execute.

Can we start with a “route memo” first?

Yes. It’s the best first step in high-scrutiny jurisdictions: we map your services and propose the route, the controls baseline, and a practical deliverables plan.

Do you help with ongoing compliance and audits?

Yes. We support gap analysis, policy updates, procedure implementation, and responses to partner/audit questionnaires.

Need a Singapore positioning memo and a bankable compliance scope?

Send a short description: what you do, target markets, whether you hold client assets, and your banking/licensing priorities. We’ll propose a practical route and the first deliverables.

If you already have documents, we can start with a gap analysis and upgrade only what is missing.

Good fit for Singapore work:

Fintech/crypto teams prioritizing institutional credibility.
Businesses that need banking/PSP onboarding.
Teams ready to implement strict compliance procedures.
Projects preparing for audits, DD and partner scrutiny.

We build controls around real flows — that’s what counterparties and auditors care about.