From first filing to live operations in El Salvador.
Melissa Consulting takes digital asset and fintech companies through licensing with CNAD and BCR, then builds what comes after: treasury, compliance, banking, technology and the team to run it.
Most firms stop at the license.
Licensing firms are run by lawyers. They prepare the filing and hand over the license. After that, a new entrant still needs a bank that will take them, a treasury that reconciles, a compliance program that actually runs, custody that passes an audit, and people who know how to operate it all. That's where most companies stall, and it's where we work.
| What you need | Licensing firm | Melissa Consulting |
|---|---|---|
| Regulatory filing | Yes | Yes |
| Operating model and procedures | No | Yes |
| Flow of funds and treasury controls | No | Yes |
| AML program and transaction monitoring in production | No | Yes |
| Custody, wallets and system integrations | No | Yes |
| Banking, card and payment partners | No | Yes |
| Tokenomics and stablecoin design | No | Yes |
What we cover
Licensing and registration
PSAD and BSP applications, digital asset issuance and ongoing regulatory reporting with CNAD and BCR. Legal work is delivered by our partner law firm.
Operating model
Processes, controls, roles and documentation built to pass an audit and to scale with volume.
Flow of funds and treasury
Fiat and crypto flows, reconciliation, liquidity management, multi-signature custody and fund management protocols.
Compliance and AML
AML/CFT program design, customer onboarding and due diligence, transaction monitoring and support for your compliance officer.
Technology and security
Custody and wallet infrastructure, exchange and payment integrations, and ISO 27001 readiness.
Tokenomics and stablecoins
Token and stablecoin design, issuance structure, reserve management and redemption mechanics.
Banking and cards
Banking relationships, payment rails, card issuing programs and the operations behind them.
Market entry
Positioning, launch planning and marketing for El Salvador and the wider region.
How an engagement runs
Diagnostic
We assess your business model, confirm which licenses apply and deliver a roadmap with timeline and budget.
Licensing
We prepare the filing with our partner law firm and manage the process with regulators through to approval.
Launch
Banking, treasury, compliance and technology go live and are tested before your first customer.
Operate
Ongoing operations and compliance support on a monthly basis, for as long as you need it.
You pay by milestone, so each phase is funded as it's delivered.
Built by people who have run it.
Our team has operated regulated crypto and payments businesses across El Salvador, Lithuania and London. We've been through the licensing process ourselves and know what it takes after approval.
- Led PSAD and BSP licensing with CNAD and BCR for a European fintech
- Ran operations for a platform with more than 50,000 active users
- Achieved ISO 27001 certification and consecutive recertifications
- Launched bank account and card products as agent of a UK e-money institution
- Managed multi-chain treasury and multi-signature custody
Operators
People who have run regulated platforms lead every engagement.
Partner law firm
Licensed lawyers handle filings and legal opinions.
Compliance specialists
AML/CFT programs, monitoring and officer support.
Engineers
Custody, integrations and security infrastructure.
Tell us what you're building.
Answer a few questions, then pick a time for a 30-minute call. We'll come prepared with a first view of your path to operating in El Salvador.
Your details are in. Choose a 30-minute slot and you'll get a calendar invite right away.
Choose a time