Embedded Finance · BaaS T149 · T150 · T158 · T162 Licensing · Passporting Sponsor Bank Zero PII

Embedded Finance Licensing Navigator

Pick your product and target markets. The navigator maps which licences are required per jurisdiction, which can be passported, the sponsor-bank readiness score, and the compliance control gaps. Output is a per-market go / conditional / no-go verdict and a Policy Mandate suitable for embedded-finance M&A diligence binders.

Jurisdictions
9
US · UK · EEA · LATAM · APAC
Product Types
6
Payments · Accounts · Lending · Cards · Crypto · FX
Licence Types
11
MTL · EMI · PI · CBA · CCA · FCA · BIN · …
EU Passport
EMI / PI
Single-licence access
Sponsor-Bank Checks
10
FFIEC + scheme criteria
Schema
v1.0
@postoaklabs.com/embedded-finance-licensing-v1
🔒 All inputs are processed locally in your browser. No data is transmitted. Do not enter real personal data — use synthetic or anonymised inputs only.
Common Footprints (Preset)
Product Stack
Target Markets
Posture & Capital
Determines licence vs. agent rule
Regulatory capital + opex runway
CCO + AML + privacy + risk leads
From kickoff to GA
Compliance Controls in Place
Deterministic · client-side · ~30 ms runtime
Panel 01 · Per-Market Licence Map

Required Licences & Verdict

MarketRequired LicencesPassport PathVerdict
Panel 02 · Sponsor-Bank Readiness

Counterparty Score

0

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Run the model
Panel 03 · Control Gaps

Compliance Programme Gaps