Accounts and payments. Founder to founder.
I match founders with the right banking, EMI and payment partners for their case. One verification pack covers accounts across the US, UK, EU and UAE, and a pre-check comes back within 24 to 72 hours with a straight answer: workable or not, and which kind of partner fits. If your setup won't fly, I say so upfront.
Insider's view. Honest fit. Working network.
Insider's view
Across 15 businesses I've opened, lost and re-opened more accounts than I'd like to admit. Now I see onboarding decisions from inside a regulated payments company.
Honest fit
Brokers promise «100% approval» and wave a licence at you. I do the opposite: if your case won't pass, I say so before you spend months on dead ends. A licence answers the smaller part anyway. What decides your case is which partner sits behind the rail you need, and what their risk policy says about your vertical.
Working network
Banks, EMIs, PSPs and card programs across the EU, US, UK, UAE and beyond. Matched to your industry, geography and risk profile, with a warm intro instead of a cold application.
Six problems, one entry point.
I don't publish provider names. After a short pre-check you get specific names and warm introductions, not a directory to fight through alone.
One KYB, accounts worldwide
One verification pack - accounts across the US, UK, EU and UAE. Stop repeating the same compliance marathon for every provider.
Banking-as-a-Service
Embedded accounts and payments inside your product. White-label rails without building a licensed stack yourself.
Card programs
Corporate and product card programs for compliant businesses - from BIN sponsorship to full issuing, including high-risk verticals.
Crypto processing
B2B crypto payments and settlement through regulated, licensed providers. Invoicing, payouts, treasury.
On/off-ramp & OTC
Fiat-crypto conversion and larger treasury flows with proper compliance, screening and documented source of funds.
Cards for founders
Cards for founders and teams - including paying for the services and subscriptions your stack actually runs on.
This works for some founders. Not for all.
- Turnover from ~$50k/month, or a funded startup
- Company in the EU, UK, UAE or a legitimate international structure
- Crypto, affiliate, SaaS, e-commerce, iGaming or FX - with real compliance
- Relocated founder with a legal, documented business
- Ready to go through the provider's full KYC/AML
- You want an account «without KYC» or «no questions asked»
- Sanctioned persons or jurisdictions are involved
- You expect a guaranteed approval - nobody honest can promise that
- You'd rather not disclose what the business actually does
Three steps, no mystery.
Tell me about your case
Industry, geography, what you need, turnover range. No documents.
I review and match
Within 24–72 hours you get a shortlist of partners matched to your profile. If it won't work, I tell you straight.
Warm intro or consultation
A direct introduction to the right partner, free for you. Or a paid session on structuring your setup before you apply.
| What to compare | Warm introduction | Paid consultation |
|---|---|---|
| What you get | A shortlist of partners matched to your profile and a direct introduction to the right one | A 60-minute video call: accounts, provider choice, payment stack, crypto, cards, high-risk setups |
| Best when | You know what you need and want the right door opened | You need a decision, or a second opinion on a structure you have been offered |
| What it costs you | Free for you, the provider pays the referral fee | Fixed price, shown at booking; online payment secures the slot |
| Timing | Shortlist within 24 to 72 hours of the form | The slot you pick, rescheduling up to 24h before the call |
| How to start | Fill the form | Book a consultation |
FINAL DECISION AND KYC ARE ALWAYS THE PROVIDER'S. I NEVER FILL APPLICATIONS ON YOUR BEHALF.
Built for your vertical.
Dedicated pages per segment: the pains, the use cases, the onboarding traps.
Screening decides whether your crypto lands.
If any part of your flow settles in stablecoins, a screening verdict sits between you and your money. Check addresses before you receive and before you send, and require pre-screened wallets from whoever pays you: prevention is far cheaper than release. How the verdict is produced.
One hour. Any fintech question.
A 60-minute video call: accounts and banking strategy, choosing providers for your risk profile, payments stack, crypto processing, cards, high-risk setups, a second opinion on a structure you've been offered. Direct answers and concrete next steps.
FIXED PRICE, SHOWN AT BOOKING. ONLINE PAYMENT SECURES THE SLOT. RESCHEDULING UP TO 24H BEFORE THE CALL.
Serge Kuznetsov
- $4B+ consolidated yearly volume across the companies I co-founded
- 15 businesses and 50+ products built
- 2 podcasts for founders
- 20k+ founders reading along
Figures according to data from my own reporting across the companies I co-founded: $4B+ of consolidated yearly volume, 15 businesses and 50+ products, as of 2026. Volume is consolidated, not revenue.
Over 15 years I've built 15 businesses and 50+ products, and I know regulated payments infrastructure from both sides: as a founder who got declined, and as a co-owner of companies that make those calls.
This is my personal project, independent from my companies. I help founders find the right banking and payment partners for their case: I save you months and tell you straight when your setup won't fly.
Columns and interviews - below.
- Hold or touch your money - ever
- Fill or submit applications on your behalf
- Help bypass compliance, sanctions or KYC
- Guarantee approvals - the decision is always the provider's
- Give legal or tax advice - I'll point you to people who do
Columns and interviews.
Crypto For Good: Social Impact Projects Using Blockchain
FinextraStablecoins Are Growing Up: From Fast Payments To Regulated Financial Infrastructure
Cyprus MailCyprus-Based Fintech Rides Record Year For Stablecoin Adoption
The CryptonomistStablecoin Payments And Global B2B
TechRoundExpert Predictions For Fintech In 2026
Fintechly9 Ways AI Is Shifting Fintech From Automation To Autonomy
Unite.AIAI vs Traditional Apps: A Structural Shift
The FinterceptThe New Fraud Economy: AI Accelerates Fraud
The questions everyone asks.
Are you a bank?
No. I'm an independent introducer and consultant. I don't hold your funds, I don't execute payments, and I don't provide payment services. My partners are the regulated ones.
Do you guarantee the account will be opened?
No - and nobody honest can. The decision is always the provider's, based on their KYC and AML. What I do is raise your chances and save your time.
How much does it cost?
Matching and introductions are free for you: providers pay a referral fee. A paid consultation (fixed fee) is available separately. The referral never affects who I recommend.
Do you work with high-risk businesses - crypto, iGaming, affiliate?
Yes, with compliant ones. All partners run full KYC/AML and sanctions screening. I don't help bypass checks and I don't work with sanctioned persons or jurisdictions.
Why should I trust you over an anonymous broker?
Because my name and face are on this page, my track record is verifiable, and I turn down cases that won't pass instead of taking a fee to try.
Why does a crypto transfer get flagged or frozen, and can that be avoided?
Incoming crypto is screened for exposure to risky and sanctioned addresses, and above a threshold the funds are held rather than credited. You cannot bring that risk to zero, and anyone promising otherwise is not being straight with you. What works: check addresses before you receive and before you send, and require pre-screened wallets from whoever pays you. The decision to credit or hold is always the provider's.
Tell me about your case.
Two minutes, five questions. Documents and sensitive data come later, under NDA, if we work together.
What does the business do?
Pick the closest one.
Where is the company - and the founders?
Company jurisdiction first; founders' residency matters just as much.
What do you need first?
Pick up to three.
Monthly turnover - and how urgent is it?
Ranges are enough. Nobody sees exact numbers at this stage.
Which company is this about?
Name and site let me do the homework before we speak.
Yearly revenue and investment status
Ranges are enough.
What is stuck, and what hurts most?
Two answers in your own words. This is what I prepare for before the call.
Where do I reach you?
Work email and your name. The verdict comes within 72 hours.
There are partners likely to onboard your profile. I'll come back within 72 hours with a shortlist and next steps, or book a call straight away.
At this turnover most partners will be cautious. I'll send a self-serve starting stack and check back when volume grows. Charging you now makes no sense.
I don't work with sanctioned persons or jurisdictions, in any structure. This is a hard line, not a pricing tier. If that changes, a full relocation with a clean structure for example, you're welcome back.