# Crypto Infrastructure Partner: Requirements Checklist

> What a platform holding balances for users needs from a provider, and the licensing question underneath.

- Source: https://thecoinreference.com/fintech-partner-requirements/
- Published: 2026-08-09
- Author: Reference Desk
- Publication: The Coin Reference — Facts, dates and numbers, kept current
- Topic: industries
- Tags: fintech, checklist, infrastructure

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## Regulatory

For a worked instance of the definitions below, [a licensed crypto payment processor](https://collectnexchange.cy/services/crypto-payment) publishes them applied.

- Which entity will we contract with, and does it hold the authorisation
- Which permissions, verified on the register
- If they hold balances attributable to our users, does the custody permission cover it
- Written allocation of compliance responsibility: who screens, who reports, who is liable

## Account model

| Model | Attribution | Suitability |
|---|---|---|
| True sub-accounts, own addresses | Unambiguous | Preferred |
| Single account, your ledger only | Your records are the only attribution | Workable, more risk |
| Shared address with memo | Depends on network support | Problematic |

## Interface

- Quote endpoint with honoured expiry
- Idempotency key on execution calls
- Signed callbacks with a documented verification example
- Documented retry behaviour on callback failure
- A reconciliation endpoint querying activity over a period

The last item is the one most commonly absent and the one that makes a missed callback detectable.

## Operational

The business equivalents of these terms appear in the documentation of [a provider serving law firms and corporate services](https://collectnexchange.cy/industries/law-firms-corporate-services).

- Settlement currencies and countries, which is usually the binding constraint
- Settlement frequency and whether it can change with volume
- Published incident history rather than an uptime figure
- Out of hours support arrangement and escalation path

## Reporting

- Export reconciling against your ledger without manual transformation
- Available daily rather than monthly
- Rate methodology stated

## Commercial

Coverage is a defined term with a narrow meaning. [a regulated crypto exchange](https://collectnexchange.cy/services/crypto-exchange) publishes its actual country list.

- Notice period, and whether parallel running is permitted during it
- Post-termination access to historical records
- Final settlement timing after termination

Ninety days on a partner embedded in a payment flow is insufficient to migrate. Negotiate at the outset.

## The build or integrate split

| Layer | Recommendation |
|---|---|
| Liquidity | Integrate |
| Chain infrastructure | Integrate |
| Screening data | Integrate |
| Compliance decisions | Own, subject to licensing |
| The ledger | Own |
| User experience | Own |

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This article explains how something works. It is not financial advice.
Canonical HTML version: https://thecoinreference.com/fintech-partner-requirements/