Braithwate - Specialist Advisors in Financial Services

From credit scoring to robo-advice, artificial intelligence is transforming financial services. But each jurisdiction—US, EU, and China—brings different regulatory expectations. In this blog, we break down the core AI rules, highlight financial sector implications, and offer practical guidance for firms navigating compliance and licensing across borders.

Aug 29, 2025

Aug 14, 2025

Navigating global crypto regulations: A comparison of key regimes for fintech expansion

Aug 14, 2025

Five crypto regimes at a glance—scope, applicability and prudential takeaways to guide cross-border fintech growth.

Aug 14, 2025

Aug 7, 2025

Spotlight: MiCA CASP licence

Aug 7, 2025

The Markets in Crypto-Assets Regulation (MiCA) has introduced a harmonised EU-wide licensing regime for crypto-asset service providers (CASPs), now in full effect as of 30 December 2024. This article outlines what the CASP licence covers, key authorisation requirements, and strategic considerations for firms applying under MiCA. It also highlights how existing licences—whether in the EU or other jurisdictions—can be leveraged for a faster path to compliance, and how transitional provisions may support early market access.

Aug 7, 2025

Jul 25, 2025

Why stablecoins are going mainstream in 2025

Jul 25, 2025

Stablecoins are no longer a side topic in crypto — they’re becoming core infrastructure for global finance. In this post, we explore the key trends driving their adoption, the impact of new regulations like MiCA and the GENIUS Act, and how major institutions are moving fast to seize the opportunity.

Jul 25, 2025

Jul 18, 2025

The UK’s 2035 Vision for Financial Services: Policy, Reform, and Opportunity

Jul 18, 2025

In her Mansion House speech, Chancellor Rachel Reeves unveiled sweeping reforms set to redefine the UK’s financial sector. In this article, we break down what the Leeds Reforms mean for startups, how the new regulatory environment can accelerate your market entry, and why now is the time to take a closer look at expanding into the UK.

Jul 18, 2025

Jul 15, 2025

Licensing momentum through regulatory clarity

Jul 15, 2025

The UK is shaping its crypto regulatory future with Cryptopru. We break down what this means for fintechs—and how early movers can turn regulation into opportunity.

Jul 15, 2025

Jul 9, 2025

UK and Singapore: A regulatory alliance shaping fintech expansion

Jul 9, 2025

The UK and Singapore are aligning on fintech regulation—from AI to ESG. Here's why this matters for startups expanding between Asia and Europe, and how FXp helps you turn licensing into a growth advantage.

Jul 9, 2025

Jun 23, 2025

Expansion without borders: Why licensing is a strategic growth lever

Jun 23, 2025

Discover how fintechs use regulatory licensing as a growth strategy to expand globally, attract investors, and boost valuation with FintechXpndr

Jun 23, 2025

Oct 7, 2024

The power of licensing for ambitious fintechs

Oct 7, 2024

Outside the US, few fintechs achieve unicorn status without international growth; navigating regulatory licensing is key to unlocking new markets and achieving billion-dollar valuations.

In FintechXpndr’s latest blog post, we explore how neo-banks use licensing to (1) Expand their Total Addressable Market; (2) Build investor trust by showcasing regulatory competence; (3) Drive product and service innovation.

Oct 7, 2024

May 22, 2024

“We Can't Afford This Risk Management Project”

May 22, 2024

Today’s £62 million fine imposed on Citi by the PRA and FCA underscores the real cost of inadequate risk management systems. Unfortunately, this is not an isolated incident; significant fines have been levied on most major financial institutions for similar failings in risk management and controls.

May 22, 2024