Example operating model

Regulated crypto platform

An illustrative operating model for a regulated crypto-asset platform. This is an example workflow, not a customer testimonial, and does not describe an existing Fintech Meta customer.

Primary money flow: Euro is collected and paid out for on- and off-ramp activity, with conversion between fiat and a narrow list of supported crypto-assets.

Sector

Crypto and Web3

Jurisdiction

EEA

Primary products

Crypto Bridge, Accounts, RiskOS

Availability

Planned

Required outcomes

Euro settlement coordinated with digital-asset flows.

Conversion limited to a narrow, supported-asset list.

Fiat and crypto ledgers reconciled into one auditable view.

Operating principle

Fiat and crypto need separate ledgers and one reconciled view.

Complexities and controls

Complexities

Coordinating euro payment rails with digital-asset flows, applying Travel Rule requirements, screening wallet addresses and keeping fiat and crypto ledgers reconciled.

Controls

Separate fiat and crypto ledgers, supported-asset policy, approved-wallet settlement, Travel Rule information exchange, address risk scoring and blockchain monitoring.

Required controls

  • Separate fiat and crypto ledgers
  • Supported-asset policy (narrow list)
  • Travel Rule exchange and address risk scoring
  • Blockchain transaction monitoring

Key restrictions

  • Conversion limited to supported assets
  • Settlement only to approved, whitelisted wallets

Illustrative workflow

This is an example operating model, not a customer testimonial and not a description of an existing Fintech Meta customer.

Settle in euro

Euro is collected and paid out for the platform’s on- and off-ramp activity through dedicated account structures.

Convert with controls

Conversion between euro and a narrow list of supported crypto-assets is applied with supported-asset policy, Travel Rule exchange and address risk scoring.

Reconcile

Separate fiat and crypto ledgers are reconciled into a single auditable view for the finance and compliance teams.

Fintech Meta is developing this capability. Crypto-asset availability will be restricted and jurisdiction dependent, and will only become available after the required authorisations and partner approvals are in place.