Product compliance advisory for fintechs, banks and crypto

Equinox Compliance provides hands-on regulatory counsel that integrates directly into your product development process. We help fintech, banking, and crypto teams design, build, and launch products that meet federal and state regulatory requirements from day one.

Regulators are scrutinizing fintech products more closely than ever. Enforcement actions related to payments, lending, and deposit products have increased significantly, and sponsor banks face growing pressure to demonstrate oversight of their fintech partners.

For product and engineering teams, the cost of building first and fixing compliance later is rising. Delayed launches, forced product changes, and strained banking partnerships are common consequences of treating compliance as an afterthought.

Equinox helps teams avoid these outcomes by embedding regulatory guidance into the product lifecycle, not bolting it on after the fact.

We advise on the regulatory frameworks governing payments, prepaid, and card programs so your team can move with confidence.

• Network rules interpretation and product logic guidance
• Reg E, EFTA, and NACHA compliance for payment flows
• Prepaid and card program regulatory requirements
• Flow-of-funds structuring to reduce regulatory surface area

We guide lending product builds from initial design through post-launch monitoring.

• TILA/Reg Z, ECOA/Reg B, and fair lending compliance
• Loan agreement and disclosure review
• State licensing considerations for lending products
• Marketing and advertising review for lending offers

We help teams structure deposit products that satisfy both regulators and sponsor bank requirements.

• FDIC pass-through insurance structuring
• Truth in Savings Act and Reg DD compliance
• Account terms and disclosure drafting
• Sweep and cash management program compliance

We provide regulatory guidance for digital asset products operating within evolving federal and state frameworks.

• State money transmitter licensing analysis
• Stablecoin and custody product regulatory review
• AML and sanctions compliance for digital asset platforms
• Regulatory strategy for token and wallet products

We advise on the compliance infrastructure required for embedded finance and banking-as-a-service programs.

• Sponsor bank compliance requirements and partner diligence
• Consumer-facing disclosure and terms review
• Compliance controls design for multi-partner programs
• Ongoing regulatory change monitoring

1. Product and regulatory assessment

We review your product roadmap, current compliance posture, and partner relationships to identify regulatory requirements and gaps.

2. Compliance framework design

We map applicable federal and state regulations to your product features and build a tailored compliance framework with clear controls and ownership.

3. Implementation and integration

We work alongside your product, engineering, and legal teams to embed compliance requirements into product specs, user flows, and operational processes.

4. Ongoing advisory and monitoring

We provide continuous regulatory guidance as your product evolves, including review of new features, regulatory change alerts, and exam preparation support.

Operators who have built these programs firsthand. Our team includes professionals who have designed and run compliance programs at banks, fintechs, crypto and BaaS platforms. We bring direct experience, not theoretical frameworks.

Product-first regulatory guidance. We translate regulations into actionable product requirements that engineering teams can implement. Clear, specific guidance your team can use.

Cross-sector depth. We work across payments, lending, deposits, crypto, and embedded finance. That breadth means we can anticipate regulatory intersections other advisors miss.

Compliance that supports growth. Our frameworks are designed to help you launch faster and scale with confidence, not slow you down with unnecessary friction.

• Fintechs building or scaling payments, lending, deposit, or card products
• Banks and sponsor banks overseeing fintech partner programs
• Crypto and digital asset companies navigating state and federal compliance
• Embedded finance platforms structuring BaaS relationships
• Product and engineering teams that need regulatory guidance integrated into their build process

• Compliance management systems: Build the policies, procedures, and governance framework that support compliant product operations.
• AML, BSA, and financial crime programs: Design transaction monitoring and AML programs tailored to your product and risk profile.
• Third-party and fintech partner oversight: Manage compliance across sponsor bank and fintech partnerships.
• Consumer protection and UDAAP compliance: Review disclosures, marketing, and consumer terms for regulatory compliance.

Equinox Compliance helps fintech, banking, and crypto teams embed regulatory guidance into the product lifecycle so you can launch with confidence.