Navigating the complex landscape of global financial regulations should not create an obstacle on your growth journey. Whether you are an established financial institution executing a strategic transformation or a fintech scaling a new business model, we turn regulatory hurdles into market entry and expansion advantages.

Whether your expansion strategy involves entering a new market via a License Application or Regulatory Registration, acquiring an existing entity through an M&A (Change of Control) process, unlocking EU Passporting Rights, establishing a physical Branch, or executing a License Scope Extension to offer new services, we handle the entire lifecycle. From initial feasibility analysis and robust business plan preparation to final regulatory approval and operational readiness, RestOn is your strategic partner, bringing comprehensive, hands-on experience.

The Scope of Our Services

1. New Market Entry & License Acquisition

We provide full-cycle management of New License, Regulatory Registration, and/or Change of Control application processes. Backed by our extensive global expertise, we support your expansion across diverse territories, adapting to local regulatory frameworks and unique jurisdictional requirements regardless of your target market—whether it requires formal licensing or localized registration.

2. License & Service Scope Extension

As your business model evolves, so must your authorization. We apply the same rigorous, end-to-end process used for new licenses to extend your current regulatory authorization to new asset classes or financial service categories, ensuring zero disruption to ongoing operations.

3. EU Passporting Rights

Unlocking the European Single Market requires a flawless cross-border notification strategy. We manage the entire passporting process under relevant EU Directives and Regulations (including MiFID II, MiCA, CRD and PSD2/PSD3), enabling your entity to seamlessly provide services across all EEA member states without the need for individual local licenses.

 4. Branch Establishment

Expanding your physical footprint requires meticulous cross-border alignment. We manage both outward and inward notification processes, structural compliance, and the technical, regulatory, and local substance requirements necessary for establishing operational physical Branches in target jurisdictions.

5. Governance Structure & Key Functions Advisory

Regulators prioritize substance and clear lines of defence over paper-thin organizations. We design robust, regulator-ready Corporate Governance Frameworks and define key control functions (Compliance, Risk Management, Internal Audit, and AML/MLRO) tailored to your operational scale. We prepare organizational charts, committee charters (Board, Risk, Audit), and guide your executive team and key function holders through the critical "Fit & Proper" suitability assessments required for approval.

6. Strategic Documentation & Application Preparation

Regulators demand substance, not templates. Our experts draft bespoke, regulator-ready Application Forms, 3-Year Regulatory Business Plans, Financial Projections, and customized internal policy/procedure manuals (including AML, Risk, Governance, and Business Continuity) tailored specifically to your business model and local regulatory expectations.

7. Regulatory Liaison & Post-Application Support

The application doesn't end at submission. We act as your primary point of contact with regulatory authorities (such as Spain's SEPBLAC/Banco de España, CNMV, or other EEA regulators), managing all Requests for Information (RFI), clarifying complex operational queries, and defending your application until final approval is secured.

 What We Do