Licensing, Sponsorship & Compliance Guide
A jurisdiction-by-jurisdiction primer on card-program licensing: e-money, banking, scheme membership, and the compliance stack you cannot skip.
What's inside
- Singapore, Hong Kong, UK, EU, and US regulatory paths
- EMI vs bank license vs scheme sponsorship trade-offs
- AML, sanctions screening, and transaction monitoring basics
- Checklist for legal and compliance readiness
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Who it's for
Practitioners who need the structure behind card and stablecoin payments in one place: product and strategy teams scoping a card program, analysts sizing the economics, and anyone briefing a team without rebuilding the research from scratch. It expands on the free analysis published on this site, so read the blog first if you want to sample the approach before buying.
Our analysis draws on public fee schedules, filings, and scheme documentation. Card programs change terms frequently — verify current numbers with the provider before acting on them.
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