Paynoramic Consulting
Advice from the people who build the platforms.
Before you build, buy or apply for a licence, get answers from a team that ships fintech and crypto platforms: what your licence asks of the technology, which providers fit, what your platform will take, and whether the one you are about to buy holds up.
- 19modules we build and run
- 180+providers we integrate
- EU · UK · UAElicence rules we track
Who it is for
When the next decision is an expensive one.
- 01
Preparing a licence
You are applying as a crypto-asset service provider under MiCA, to VARA in Dubai, or as an e-money or payment institution, and the regulator will ask how your systems work.
- 02
Choosing providers
KYC, card issuing, custody, banking rails: you want the right partner for your market before you sign a contract that is hard to leave.
- 03
Buying or investing
You are about to buy a platform, or invest in a company that runs one, and want an independent look at the technology first.
- 04
Building without a CTO
You have the business and the licence path, and need senior technical and product leadership a few days a month, not a full-time hire yet.
Engagements
Six ways we help, each with a clear result.
Each engagement has a scope agreed before work starts, and ends with something you can act on.
Licence readiness
The technical side of your application: the systems, controls and documents a MiCA, VARA, EMI or PI regulator asks about, held against what you have.
You getA gap list, and the plan to close it
Provider selection
Which KYC, card, custody, banking and payment providers fit your market, volumes and licence, from the providers our modules already connect to.
You getA shortlist with reasons, and introductions
Architecture and security review
A senior look at how your platform is built: the ledger, the integrations, security, scale and running costs.
You getA written review, with what to fix first
Technical due diligence
An independent review of a platform you plan to buy, or of a company you plan to invest in: code, architecture, security, team and roadmap.
You getA report of the risks and what they cost
Launch plan
From the idea to a dated plan: the modules you need, the providers, the licence path, the team and a realistic budget.
You getA plan you can take to investors, or to any builder
Fractional CTO and CPO
Senior technical and product leadership, part time: roadmaps, hiring, vendors and the decisions in between, until you hire your own.
You getBy the month, for as long as it helps
How it works
From a first call to a written answer.
- 01
A first call
You tell us what you are deciding and by when. We tell you whether we can help, and how.
- 02
A fixed scope
We agree what we will look at, what you receive and when, before any work starts.
- 03
The work
Interviews with your team, your documents and, where it helps, your systems and code.
- 04
A clear answer
A written result and a walk-through: what to do next, in what order, and what it will take.
Why us
We have built what we advise on.
We build these platforms
Exchanges, card apps, banking apps and payment gateways run on our module library. Our advice comes from shipping them.
We know the providers
Our modules connect to more than 180 providers, from Sumsub to Fireblocks, so we know how each integration behaves in production.
We track the rules
Our platform pages map the licence each market asks for, in the EU, the UK and the UAE, against the regulators' own texts.
Straight answers
If our own platform is the right fit, we say so. If it is not, we say that too, and who else to talk to.
Other ways to work
Or work with us another way.
Questions
What buyers ask about Paynoramic Consulting.
Is this legal advice?
No. We cover the technology and product side of your project and your licence application. Legal advice and the filings stay with your lawyers, and we work alongside them.
How is consulting priced?
Each engagement is scoped and priced before work starts, so you know what you get and what it costs. Fractional CTO and CPO support runs month to month.
Does consulting commit us to build with you?
No. Many engagements end with a plan you can take to any builder. If you later build with us, the work carries straight into the project.
Who will we work with?
Senior engineers and product people from the team that builds our platforms, not a separate sales team.
Which markets do you cover?
The EU, the UK and the UAE, Dubai's VARA included: the markets our platform pages map licence by licence.
Start your project
Tell us the decision. We'll help you make it.
One call is enough to frame the question, and what a clear answer will take.
- Response in under one business day
- NDA on request
- No obligation