FinPro Consulting — Frequently Asked Questions

We help brokers, prop firms, fintechs and investment businesses incorporate across jurisdictions, obtain financial licences, open EMI/bank accounts, complete MT4/5 purchase & annual KYC, and build finance‑grade websites. Services include advisory, documentation, project management, and compliance set‑up.

Emerging and mid‑sized brokerages, prop trading firms, asset managers, market educators, payment start‑ups, and family offices seeking compliant structures for global operations.

Yes. We work in English and Chinese (Simplified/Traditional), with partner coverage for Japanese, Korean, Indonesian, and Portuguese upon request.

1. Discovery (free): scope, jurisdictions, timelines.
2. Proposal & milestones: deliverables, fees, schedule.
3. KYC onboarding: collect IDs, corporate docs, source‑of‑funds (as needed).
4. Execution: incorporation/licensing/account opening/website build.
5. Handover & aftercare: compliance calendar, annual filings, renewals.

Engagements are milestone‑based. A typical structure is 50–60% on signing, 40–50% on major milestone (e.g., company issuance or licence submission). Third‑party fees (e.g., government, courier, apostille, bank/EMI) are charged at cost. Your invoice includes official payee and banking details; we never change bank details via email.

• Company formation: 3–15 working days (jurisdiction‑dependent).
• EMI/bank account: 2–8 weeks (due diligence & queue times).
• MT4/5 KYC solution: typically ~30 working days after complete docs are received.
• Financial licensing: 1–6 months+ depending on regulator and scope.
• Website: 2–4 weeks for standard finance sites.

Core jurisdictions include Hong Kong, Singapore (on request), Mauritius, St. Lucia, Seychelles, BVI, Labuan (Malaysia), Cyprus, and the UK. We advise based on banking/EMI readiness, licensing pathways, and your operating footprint.

• Passport and proof of residential address of all directors/shareholders/UBOs (within 3 months).
• Professional KYC/AML form, CVs, and source‑of‑funds/wealth (if required).
• Company name options, business scope, share structure, and registered address preference.
• Any regulatory or banking requirements that may affect constitution documents.

Nominees are available in some jurisdictions, subject to enhanced due diligence and proper control agreements. We prioritise transparency and regulator‑friendly structures; nominees are not a substitute for disclosing UBOs where required.

• Annual company secretary/registered agent renewal.
• Annual returns, accounting, audits (if applicable), tax filings.
• Economic substance or local presence tests (jurisdiction‑specific).
• Licence renewals where relevant.

Yes. We assist with post‑incorporation changes: director/share transfers, share capital adjustments, activity updates, registered address, and bank/EMI notifications. Some changes may trigger fresh KYC or regulatory approval.

Popular categories include Investment Dealer (various sub‑types) under the Financial Services Act. We advise on scope, capitalisation, key personnel, and technology/compliance stack before filing with the FSC.

Yes. We support end‑to‑end: entity readiness, manuals (AML/CFT, risk, governance), board and MLRO appointments, application preparation and liaison with the FSA. Banking/EMI strategy is aligned in parallel.

Yes—through specialist partners. Expect stringent governance, capital, and local staffing requirements under CySEC. We structure pre‑application gap checks and documentation pathways.

St. Lucia is commonly used for company formation and operational structuring. For licensing, we assess your business model and direct you to regulators that match your intended activities and risk appetite.

We can introduce UK specialists for Appointed Representative models, payments/EMI permissions, and crypto registrations. Expect elevated governance and financial crime controls under the FCA.

Labuan offers several financial service licences with competitive tax positioning. We review your cross‑border flows, substance, and banking to determine suitability and next steps with LFSA.

• Incorporated entity with shareholding and capital plan.
• Local substance plan (office/staff, where required).
• Governance structure: board, MLRO/Compliance, internal audit arrangements.
• Policies & manuals: AML/CFT, risk, governance, complaints, outsourcing, safeguarding (for payments).
• Technology stack: trading/CRM/PSP vendors, information‑security controls.

EMIs (Electronic Money Institutions) provide safeguarded payment accounts and multi‑currency IBANs, usually with faster onboarding and global coverage. Banks offer traditional current accounts and credit lines but with more conservative onboarding for trading‑related businesses.

• Company incorporation pack and registers.
• Director/UBO KYC (ID + address) and source of wealth/funds.
• Business model, flow of funds, top counterparties, and expected volumes.
• Website, contracts, and compliance policies (AML/CFT, sanctions screening).
• Licences/permissions if applicable.

No. Onboarding decisions are made by EMIs/banks. We improve readiness and positioning, recommend suitable providers, and coordinate responses to compliance queries to maximise success.

Typically 2–8 weeks depending on risk profile, completeness of documents, and provider queues. We parallel‑track applications if permissible.

EMIs safeguard client funds in segregated accounts with partner banks, subject to local regulation. Safeguarding is different from deposit insurance; we’ll explain how your chosen EMI protects funds and its residual risks.

• Suitable jurisdiction company setup and corporate pack.
• Operational address & basic substance arrangements (where applicable).
• Bank/EMI account strategy and onboarding support.
• Legal opinion letter (if required by vendor/EMI), issued by qualified counsel.
• Compliance documentation: AML/CFT, risk, onboarding & T&Cs, privacy, complaints, outsourcing, and annual review pack.
• Annual KYC review support for vendor audits.

Approximately 30 working days after we receive a complete set of documents. Banking/EMI queues may extend this; we’ll monitor and keep you informed.

A legal opinion is a formal letter by a licensed law firm confirming your company’s legal existence, authorised activities, and compliance posture as relevant to a vendor/EMI. It is not a licence; it validates specific assertions to third parties.

• Full corporate pack, ownership structure, and directors/UBO KYCs.
• Website, client onboarding flow, and AML/CFT policies.
• Risk management framework, complaints & client‑funds handling.
• Bank/EMI letter or evidence of operational accounts.
• Where applicable: legal opinion and evidence of regulatory permissions.

Yes. We maintain a compliance calendar and assist with policy updates, organisational changes, and evidence packs for smooth annual reviews.

We assist challenge/evaluation models, instant‑funding variations, and hybrid structures. We focus on compliance, liquidity, risk management, and transparent T&Cs to reduce regulatory and reputational risk.

It depends on the business model, marketing claims, and jurisdictions. Some activities may fall under investment or payment services. We review your flows and recommend either a licensing path or a licence‑light structure with strict disclosures.

We align payout methods (bank/EMI/wallet) with your risk policy, AML screening, and tax implications. Avoid misleading “profit share” framing if not backed by genuine trading allocations.

KYC verifies individuals; KYB verifies legal entities and their UBOs. Both feed into AML/CFT risk assessment and ongoing monitoring.

• AML/CFT & Sanctions policy and risk assessment.
• Client onboarding & suitability (incl. PEPs, adverse media, high‑risk geographies).
• Risk management and governance framework.
• Complaints handling, disclosures, and terms of business.
• Outsourcing/vendor management and information‑security controls.

Often yes for licensed entities; depends on jurisdiction. We can recommend qualified personnel or interim solutions and define reporting lines to the board.

We maintain a compliance calendar (KYC refresh, SAR/STR triggers, policy updates, training) and conduct periodic internal reviews to align with regulator or vendor expectations.

• Design & build (WordPress), performance tuning, and SEO‑ready structure.
• Compliance pages: Terms, Risk Disclosure, Privacy, Cookies.
• Blog/news, lead forms, analytics & consent integrations.
• Optional multilingual and brand assets (OG/Twitter images).

About 2–4 weeks for a standard site, assuming timely content approval and domain/DNS access.

Yes—content updates, security patches, Cloudflare optimisation, and speed improvements can be bundled into an annual plan.

Yes. We invoice per agreed milestones (e.g., on signing and on company issuance/licence filing). All official payee and account details appear on the invoice; verify any changes with your FinPro manager.

Standard method is bank transfer to our named account. USDT or other methods may be available for specific fees; your invoice will state accepted options.

Professional time and third‑party fees are non‑refundable once incurred. If scope changes materially, we’ll re‑baseline deliverables and fees in writing.

Yes. We routinely operate under NDAs and can sign DPAs to address data protection obligations across relevant jurisdictions.

We store documents in secure repositories with access controls and encryption at rest. Retention aligns with legal and regulatory requirements; documents are deleted or archived thereafter.