Banking-as-a-Service and partner risk
BaaS products depend on regulated bank sponsors whose requirements, risk appetite, and operational decisions can determine whether and how the fintech product can operate.
Tag: fintech
Embedded finance and commercial responsibility
Embedded finance products distribute commercial and compliance responsibility across multiple parties — and the allocation only works if the agreements reflect what actually happens.
- · Payments
Embedded payments in SaaS products: MSB risk
SaaS platforms that embed payment functionality need to assess whether their role in the fund flow creates MSB exposure independent of their payment partners.
When a fintech investment platform requires securities registration in Canada
Securities registration requirements for investment platforms in Canada attach to the activity performed, not to whether the platform considers itself a financial services company.
- · Payments
Payment flow mapping for fintech operators
The regulatory classification of a payment product follows from how funds actually move, not from how the product is described.
Supply chain finance and funds flow analysis
Supply chain finance platforms move funds in patterns that can engage MSB registration requirements depending on who holds money and how it flows between buyers, sellers, and capital providers.