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Advisory engagements

When the fix is bigger than a provider.

Infrastructure is placed with providers and paid for by them. It carries no Crosswire margin, and you are never invoiced for it. Advisory is the one thing you buy from Crosswire directly: a fixed fee, quoted and agreed in writing before the work starts, and never added to a rate.

Request an engagement →How Crosswire is paid

Booking a call instead? Advisory calls are on /advisory.

Which of these is your situation?

The engagements

Durations are typical, drawn from engagements of the same shape. They are not a committed date, and nothing on this page commits one.

Architecture review

Your flow of funds, examined as a risk committee reads it, and the structure that can be banked set out in writing.

Fixed fee
EUR 12,000, or EUR 18,000 above EUR 10m a month
Typical duration
three to four weeks
What you receive, in writing
  • Flow-of-funds map: every leg, every currency, every party holding money along the way
  • Where the structure fails a risk read, stated as the objection it will receive
  • Recommended account and settlement structure, with the reasoning for each choice
  • Entity and jurisdiction observations, including anything that is doing you damage
  • Counterparty exposure and concentration notes
  • Sequenced remediation list, ordered by what unblocks the most
  • A short summary written to be handed to a bank or a board without editing
Not included
  • Legal advice or a legal opinion
  • Regulatory filings, applications or submissions on your behalf
  • Implementation, integration or migration work
  • Any commitment that a named provider will accept you

Who does the work: Gustaf Hult, with a specialist brought in where the flow demands one.

Payment: 50% on acceptance, 50% on delivery

Authorisation path

What you need to be authorised as, where, and what the application will demand of you before you spend a year on it.

Fixed fee
EUR 25,000
Typical duration
eight to twelve weeks
What you receive, in writing
  • The permission your activity actually requires, and the activities that fall outside it
  • Jurisdiction comparison on the criteria that decide the outcome, not on marketing
  • Agent, branch, passport or full licence: the option set with the trade-offs stated
  • Capital, governance and staffing the regulator will expect, itemised
  • Application dossier outline with the evidence each section needs
  • What you can lawfully operate while the application is open
  • Known reasons applications of this shape are refused
Not included
  • Acting as your legal counsel or filing the application
  • Any representation to a regulator on your behalf
  • A prediction of the regulator's decision or of its timing
  • Infrastructure procurement, which is placed with providers who pay Crosswire

Who does the work: Gustaf Hult, with regulatory counsel introduced where filing follows.

Payment: 50% on acceptance, 50% on delivery

Underwriting readiness

The file a risk team reads, assembled and rehearsed before you are in front of them.

Fixed fee
EUR 9,000
Typical duration
two to three weeks
What you receive, in writing
  • Underwriting file: corporate, ownership, licensing and flow evidence in the order it is read
  • Business description rewritten in the language underwriting uses
  • The objections your flow invites, with the answer to each one agreed in advance
  • Chargeback, refund and dispute history presented honestly and in context
  • Sanctions, PEP and adverse-media exposure documented before it is discovered
  • Prior declines addressed directly, with what changed since
  • A readiness verdict: submit now, fix first, or do not submit
Not included
  • Any guarantee of approval
  • Submitting applications on your behalf
  • Ongoing compliance operations or monitoring
  • Rate negotiation, which is not something you buy from Crosswire

Who does the work: Gustaf Hult, with an underwriting reviewer on the file.

Payment: 50% on acceptance, 50% on delivery

Architecture review and underwriting readiness together

Both engagements run as one piece of work, when the structure and the file have to change together.

Fixed fee
EUR 18,000
Typical duration
four to six weeks
What you receive, in writing
  • Everything in the architecture review
  • Everything in underwriting readiness
  • One reconciled remediation sequence rather than two competing ones
  • A single written pack, so nothing is answered twice or answered differently
Not included
  • Legal advice, filings or regulatory representation
  • Implementation work
  • Any commitment that a provider will accept you

Who does the work: Gustaf Hult, with the specialists each half requires.

Payment: 50% on acceptance, 50% on delivery

Advisory retainer

Continuing access after an engagement, for businesses making structural decisions month after month rather than once.

Fee
EUR 5,000 a month, three-month minimum
What it covers
  • Standing availability for structural questions as they arise
  • Review of provider or counterparty changes before you commit to them
  • Written notes on anything decided, so the reasoning survives the conversation
  • Ongoing reading of your flow against how it is being underwritten
Not included
  • Guaranteed response times
  • Legal advice or filings
  • Implementation or operational work
  • Unlimited scope: substantial new work is quoted as its own engagement

Who does the work: Gustaf Hult.

What you receive

A written artefact, not a conversation you have to remember. This is the contents page of an architecture review.

Example

Architecture review - contents

  1. 1 Scope, and what was examined
  2. 2 The business as it is described to a bank today
  3. 3 Flow of funds, leg by leg
  4. 4 Where the money rests, and whose balance sheet it rests on
  5. 5 How this flow reads to a risk committee
  6. 6 The specific objections it will receive
  7. 7 Entity and jurisdiction observations
  8. 8 Counterparty concentration
  9. 9 Recommended structure
  10. 10 What has to change first, and why
  11. 11 Remediation sequence
  12. 12 Summary for a bank or a board

An example, not your report. Sections follow the flow in front of us, and a review that finds nothing wrong says so in fewer pages.

How an engagement starts

  1. 1

    You request an engagement

    The form below. It is a request, not a booking - nothing is scheduled and nothing is charged by sending it.

  2. 2

    A scope conversation

    One conversation to establish what is being asked and whether Crosswire is the right party to answer it.

  3. 3

    Written confirmation of scope and fee

    The engagement, the deliverable, the exclusions and the fee, in writing, before anything is owed. Nothing starts until you accept it.

  4. 4

    First payment

    The acceptance share, on the agreed terms below.

  5. 5

    The work

    Carried out, and delivered as the written artefact described on the card.

  6. 6

    Balance on delivery

    The remaining share, once the deliverable is in your hands.

Engagements are accepted after the scope conversation, and Crosswire takes a limited number at a time. If the work cannot be done properly now, you are told that rather than queued. Durations are typical, drawn from engagements of the same shape. They are not a committed date, and nothing on this page commits one.

Payment terms: 50% on acceptance, 50% on delivery.

Who does the work

Gustaf Hult

Founder, Crosswire Pay

Twelve years placing payment and banking infrastructure for businesses that most providers decline on sight: regulated gaming, brokerage, digital assets and marketplaces. The work is the same in every case - read the flow as an underwriter reads it, find what is being answered badly, and put the structure and the file in a state where a risk committee can say yes. Advisory is bought from a person, and that person is the one doing it.

Questions buyers ask

Is the fee credited against infrastructure?

No, because there is nothing to credit it against. You never pay Crosswire for infrastructure - providers pay for placement, and your rate carries no Crosswire margin. Where implementation follows an engagement immediately, the advisory fee can be credited into that implementation scope, agreed in writing at the time.

Who owns the output?

You do, on payment of the balance. It is your document to circulate, hand to a bank, put in front of a board or send to counsel. Crosswire keeps no right to publish it and does not reuse your specifics elsewhere.

How is confidentiality handled?

Under a mutual non-disclosure agreement signed before the scope conversation goes into detail, at your paper or ours. Your identity, your flow and your prior declines are not discussed with providers, and nothing is disclosed to a provider without your written instruction.

What happens if the answer is that Crosswire cannot help?

You are told, and you are told early. If the scope conversation shows the work should not be bought, no engagement is opened and nothing is charged. If it emerges during the work, the finding is written up honestly, the reasoning is delivered, and the position is discussed with you directly. A review whose conclusion is that your plan cannot be banked as designed is a result, not a failure.

Request an engagement

One form. The founder accepts or declines after a scope conversation, and you hear back either way.

This is a request. The founder reads it, accepts or declines it, and comes back to you either way. Sending it books nothing and owes nothing.