Control inventory and operating model
What you run today, the gaps that matter for a payments layer, and a target operating model your team can run day to day.
Consulting and lab for payment and crypto infrastructure
Embedded operators for the payments layer
We help licensed money transmitters, money services businesses (MSBs), and fintechs build the operating model behind taking in, holding, and sending customer funds across fiat and digital-asset rails — one that banks, examiners, partners, and owners can rely on. We design, implement, run, then transfer. We do not transmit or custody client funds.
Practice
What we build with you
Slide decks are not the engagement. We inventory what you run today, write the operating model that should replace it, put the controls into production, and hand them to your team.
Policies, procedures, and runbooks
The control matrix and procedures for safeguarding, funding and withdrawal, rail initiation, dual control, access, exceptions, incidents, reconciliation, and retention. We run the control calendar with you until handoff.
Transaction monitoring requirements
Monitoring requirements and typologies, handed into your BSA/AML program. We do not replace your BSA Officer.
Cash-flow maps and system inventory
As-is and to-be cash-flow diagrams with timing, accounts, legal title, systems of record, and failure points, plus a system inventory on the path of funds.
Subledger, general ledger, and the daily path
Ledger requirements for wallets, safeguarded or FBO cash, in-settlement items, reserves, fees, and crypto omnibus versus customer positions, plus the daily bank and wallet path into the books and a management balance-sheet memo. That memo is not a legal or audit opinion.
Engagement
Foundation first. Then packages.
Scope is confirmed in writing before work begins. Engagements end when the operating model is documented and transferred to your team.
Foundation
- Control inventory and gap analysis, and a target operating model.
- Policies, procedures, control matrix, and runbooks.
- A live control calendar, with evidence.
- Transaction-monitoring requirements and a handoff into your BSA/AML program.
- Cash-flow diagrams and a system inventory.
- Subledger and general-ledger requirements, a daily reconciliation path, and a management balance-sheet memo.
Packages, in sequence
- Systems on the cash-flow path, including requirements for an accounting successor.
- Bank callbacks, account inventory, and portal entitlements.
- Crypto omnibus procedures: withdrawal whitelist, API-key custody, subledger versus exchange reconciliation, and incident playbooks.
- Monthly control and cash-position reporting.
We work as embedded operators alongside your finance, compliance, engineering, and treasury owners.
Boundaries
What we do not do
Unless separately engaged in writing, DeFiConnect does not:
- Provide legal opinions or audit opinions.
- Serve as BSA Officer, MLRO, CFO, Controller, or NMLS qualified individual.
- Obtain new licenses, or pursue international licensing.
- Custody or transmit client funds, or act as sole signer on bank or exchange accounts.
DeFiConnect is not a licensed money transmitter. We do not guarantee regulatory outcomes, bank sponsorship, exam results, or cost savings.
Inquire
Consulting inquiry
Tell us who you are and what you need. We reply to work emails. Submitting this form is not an engagement.
Or email hello@deficonnect.xyz.