Lucía
Compliance & Regulatory
Lucía covers compliance and regulation at Tokelia. She writes about the licensing, KYC/AML and travel-rule questions that come up when a fintech starts moving crypto and fiat, and turns them into decisions a founding team can act on.
Articles by Lucía
PLAYBOOK
A 90-Day Plan to Launch Your Fintech MVP
A week-by-week playbook to launch a fintech MVP in 90 days, covering the regulatory perimeter, licensing, capital, core build, KYC/AML and a controlled launch.
PLAYBOOK
How to Build a Crypto and Fiat Payment Platform (Compliance from Day One)
A practical guide to launching a fintech that moves crypto and fiat with KYC/AML compliance built in, covering rails, non-custodial custody, licensing, stablecoins and card issuing.
EXPLAINER
On-Ramp and Off-Ramp: Connecting Crypto and Fiat
A clear explainer of the crypto on-ramp and off-ramp: how fiat-to-crypto and crypto-to-fiat conversion works, fees, KYC/AML, local rails and API integration.
PLAYBOOK
Multi-Currency Accounts and a Unified Crypto-Fiat Ledger
A practical guide to multi-currency accounts and a unified crypto-fiat ledger: how they work, how to open one, cut FX and fees, and connect your ERP via API.
PLAYBOOK
Custodial vs non-custodial: which model to choose
A B2B guide to custodial vs non-custodial crypto custody, and how choosing a non-custodial wallet changes your risk, compliance and licensing profile.
EXPLAINER
What Is Banking-as-a-Service (BaaS)? A Practical Guide
A clear guide to banking as a service (BaaS): what it means, how the API model works, its benefits, and how it differs from open banking and embedded finance.
PRODUCT
Card Issuing That Spends From a Crypto or Fiat Balance
A practical guide to card issuing, the card issuing API, issuer vs acquirer, BIN sponsorship, card types, PCI DSS and spending straight from a balance.
EXPLAINER
The Crypto Travel Rule Explained (for Fintechs)
What the crypto travel rule is, where it comes from, data VASPs must transmit, thresholds by jurisdiction and how to stay compliant without slowing transfers.
COMPLIANCE
How KYC and AML Work for Crypto and Fiat Payments
How KYC and AML work for crypto and fiat payments: verification, transaction monitoring, wallet screening, the travel rule and embedding it in your API.
GUIDE
Stablecoin Payments for Fintechs, Benefits and Trade-offs
A practical guide to stablecoin payments for fintechs: real benefits, USDT vs USDC vs DAI, network fees, regulation and how to accept and send payments.
PLAYBOOK
Crypto and Fiat Licenses: MSB, MTL, EMI and MiCA
A practical guide to the licenses that let you move crypto and fiat, from a US money transmitter license and MSB registration to EMI and MiCA in Europe.
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