How we work
The engagement is a sequence of tests, not a workshop series.
This page is the custom map of the practice: what happens between the first telephone call and the working papers you keep. It is written for finance leads who have to explain the work to a board or a submitting advisor.
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Scoping conversation
We ask what you are lodging, which entity will hold customer funds, whether a wallet is live or still on paper, and which financial chapters already exist. You leave with a one-page scope and an indicative fee range. Nothing is booked until you accept the engagement letter.
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Week-one request list
Capital evidence, the forecast workbook, draft financial chapters, bank or trustee letters, related-party agreements, and — if the wallet moves money — a month of ledger extracts and payout files. We do not open a scavenger hunt in your data room. We ask for the sources behind the figures that will be in the application.
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Walkthrough and sampling
A half-day with the finance lead and whoever built the model. We then sample: paid-in capital to bank statements, volume assumptions to the operating note, customer liabilities to designated balances, merchant payouts to settlement files. Live wallets get cut-off tests. Paper wallets get a walkthrough of posting rules against the draft mandate.
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Exception schedule
Findings are ranked by whether they should be fixed before lodgement. We do not bury material breaks in a long appendix. You see the list while there is still time to repair the file, not the night before submission.
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Closing pack
A signed examination note, the exception schedule, and the working papers behind every material figure we tested. A closing meeting with you and, if you wish, the submitting advisor. After that the engagement ends unless you commission a pre-submission cold read of the packed file.
What we need from you
A named finance contact who can obtain bank letters and ledger extracts. Access to the workbook, not a PDF of outputs. Honesty about whether the wallet is live. If related parties fund the applicant, the agreements have to be on the table in week one.
What we will not do
We will not invent a forecast to fill a hole in the commercial story. We will not backdate confirmations. We will not describe a safeguarding arrangement the bank has not agreed to. If the file cannot be made consistent, the closing note will say so.