Gustaf Hult
Founder, Crosswire
Gustaf has approximately 15 years of experience across fintech and banking, with a focus on payments infrastructure, embedded finance and commercial payment solutions.
Alongside building Crosswire, he has worked with Narvi Payments on business banking and Banking-as-a-Service, covering how platforms get access to accounts, IBANs and payment rails without holding a licence themselves.
He has spoken publicly on real-time B2B payments, cross-border infrastructure and embedded finance, including at Stockholm Fintech Week.
At Crosswire he designs payment stacks, negotiates commercial terms with infrastructure partners and writes the analysis behind the pricing and structure work published here.
Coverage
- Payments infrastructure
- Embedded finance and Banking-as-a-Service
- Cross-border settlement
- Commercial pricing and negotiation
- Real-time B2B payments
Published research
- High-Risk Merchant Accounts 2026: EU Approval & Hidden FeesHow high-risk merchant accounts work in 2026 - EU approval, pricing, settlement and hidden fees. EU IBANs, SEPA and redu
- BIN sponsorship and card issuing for platforms, explainedHow a platform puts branded cards in front of users without joining a card scheme: what a BIN is, who sponsors it, and w
- Embedded finance versus Banking-as-a-Service: not the same thingThe two terms are used interchangeably and describe different layers. One is what the customer experiences; the other is
- BaaS for crypto platforms: what makes these programmes differentExchanges, brokers and custodians can get embedded accounts and IBANs. The diligence is deeper, the perimeter is tighter
- What BaaS actually costs, and why nobody publishes a priceSetup, per-account, per-transaction, FX margin and the monthly minimum. The five components of a BaaS fee schedule, and
- BaaS versus getting your own licence: cost, time and obligationsTwo routes to offering accounts: rent regulated infrastructure, or become the regulated institution. What each actually
- Real-time settlement without crypto: how tokenized deposits workMoney between Europe and the US moves in minutes now. Not through crypto, not through stablecoins - through tokenized de
- Stablecoins and crypto rails for iGaming: a practical operator's guideWhere crypto rails help, where they get messy, and how to run them without wiring five vendors yourself.
- AI governance: EU AI Act readiness, Annex IV, audit-readyEU AI Act readiness and AI governance for regulated operations - Annex IV documentation and audit-ready AI systems, so t
- Why Your Crypto Business Keeps Getting Rejected for a Merchant Account - and How to Actually Get ApprovedRejection usually isn't a verdict on your business - it's a risk model declining your category. Here's how to get approv
- Crypto Acquiring vs. Traditional PSPs: What Exchanges, iGaming, and Forex Actually NeedCard acquiring, crypto rails, or both? A clear comparison for exchanges, iGaming, and forex - and how to combine them in
- Prefunding Is Quietly Killing Your Cash Flow - How 24/7 Real-Time Settlement Changes the MathPrefunding traps your capital. See how 24/7 real-time fiat + crypto settlement on one platform frees cash flow - and how