rewiringmodernfinance.

brief / 001

I help banks, neobanks and infrastructure teams ship payments, lending and compliance products that survive contact with regulators - and customers.

see the practice ↓

· payments architecture PAYMENTS· treasury· stablecoin rails· risk & aml· open bankingPSI DSS 1\n· payments architecture PAYMENTS· treasury· stablecoin rails· risk & aml· open bankingPSI DSS 1\n· payments architecture PAYMENTS· treasury· stablecoin rails· risk & aml· open bankingPSI DSS 1\n· payments architecture PAYMENTS· treasury· stablecoin rails· risk & aml· open bankingPSI DSS 1\n

§ 02 — practice

four lanes.
one operator.

01 / 04engage →

Payments
architecture

From scheme selection and PSP routing to ledger design, reconciliation, and multi-currency settlement on modern rails.

card schemesSEPA InstantRTPstablecoins

02 / 04engage →

Licensing
& regulation

EMI, MSB and SPI strategy across the EEA and UK. Application support, governance frameworks, and ongoing supervisory dialogue.

EMI / PIMiCADORAWind-down

03 / 04engage →

Embedded
finance

BaaS partner selection, BIN sponsorship structuring, and program management for platforms launching cards, accounts and credit.

BaaSBIN sponsorKYBProgram mgmt

04 / 04engage →

Strategy
& diligence

Commercial diligence for funds and acquirers. Market entry, build-vs-buy, and revenue model design for fintech operators.

VC diligenceM&APricingGTM

§ 03 — selected work

receipts. not decks.

case
001

case 001+45 PTS CONVERSION

CASE 001 | 37% → 82% CONVERSION

cross-border consumer platform

The client was losing more than half of all transactions at checkout. Replaced a single payment processor with a layered setup - if one route fails, the next picks it up automatically. Conversion went from 37% to 82%.

case 0023 REJECTIONS → APPROVED

SERIES B FINTECH

banking access for a difficult-to-place client

Three banks had already said no. The client's business model wasn't illegal - it was just unfamiliar enough to make compliance teams uncomfortable. Reworked how the business was presented, matched it to the right institution, and managed the process through to approval.

case 0032 REGIONS, 90 DAYS

SCALING DIGITAL PLATFORM

market expansion research

The client wanted to grow into new countries but didn't know where to start. Reviewed twelve markets - regulations, local payment options, competition. Shortlisted four. The client entered two within the same quarter.

v.d.

§ 04 — operator

twelve years inside
the machine.

For over a decade I've sat on both sides of the table - building products inside scaling fintechs and advising the founders, operators, and investors backing them. I've led payments and lending strategy through licensing, fundraising, and acquisition.

Today I work with a small number of clients per year - usually founders, CPOs, or boards facing a decision that is too consequential to outsource to a Big Four pitch deck.

12: years in the stack
40+: engagements shipped
€2.4B: tpv influenced

§ 05 — engage