SKY7 Partners with Fintech Amigo to Introduce IBAN Cloud Solution

Two fintech infrastructure firms have joined forces to streamline how startups and established businesses access banking and payment solutions tailored to their specific operational needs. The collaboration addresses a growing pain point in financial services: the difficulty of matching complex business models with appropriate banking infrastructure in an increasingly regulated environment.

• SKY7 provides legal, regulatory, and licensing expertise for financial businesses across multiple jurisdictions and crypto companies.
• Fintech Amigo designs technical architectures and integrates core banking systems, custody, KYC, and blockchain analytics infrastructure.
• IBAN Cloud maps client requirements against available banking and payment providers rather than forcing businesses to adapt to available banks.

• 2 Specialist fintech firms combining legal and technical expertise in single collaborative platform
• 5+ Service categories integrated: BaaS, Cards-as-a-Service, KYC/KYB, custody, and liquidity providers

SKY7 and Fintech Amigo have formalized a strategic partnership through IBAN Cloud, a joint initiative designed to simplify how businesses source banking and payment infrastructure. The platform responds to a concrete operational challenge: fintechs, payment service providers, crypto exchanges, and international companies struggle to identify which financial institutions and infrastructure solutions actually fit their specific business models and regulatory requirements. Rather than starting with a bank search, IBAN Cloud begins by mapping the client’s actual needs across business geography, transaction volumes, currency requirements, account purpose, and flow of funds.

The infrastructure challenge facing fintech entrepreneurs and payment companies has intensified as banking relationships have become more selective and demanding. Traditional banks increasingly view certain business models as high-risk, particularly cryptocurrency and fintech ventures, leading to account closures and stringent application requirements. Simultaneously, the growth of Banking-as-a-Service, embedded finance, and specialized payment infrastructure has created a fragmented landscape where no single provider typically offers all required services. Matching business requirements to the right combination of banking partners, payment processors, and technology providers requires expertise spanning regulation, corporate structure, technical architecture, and provider ecosystems.

Complementary expertise built into a single advisory process

SKY7 specializes in the regulatory and corporate layer of financial services. The firm helps clients obtain financial and crypto licenses, establish entities across jurisdictions, build AML and compliance frameworks, open banking accounts, and navigate the acquisition of existing licensed institutions. Fintech Amigo operates on the infrastructure side, designing technical architectures, selecting and implementing core banking systems, and integrating external providers ranging from Banking-as-a-Service and Cards-as-a-Service to KYC/KYB solutions, liquidity provision, custody infrastructure, and blockchain analytics.

The partnership is rooted in a core operational insight: launching a financial product cannot be efficiently divided into separate legal, banking, and technology workstreams.

For an entrepreneur or established business, corporate structure, licensing, compliance, technology, banking relationships, and payment infrastructure must function as an integrated system. IBAN Cloud operationalizes this principle by combining both firms’ expertise into a single discovery and advisory process, eliminating the coordination burden typically spread across separate consultants and providers. This integrated approach reduces time-to-market and mitigates the risk that a business will invest in technical infrastructure only to discover that available banking partners cannot support the intended product architecture.

Mapping Infrastructure requirements before identifying providers

The platform’s methodology inverts the traditional account-opening process. Instead of asking “Which bank should we approach?”, IBAN Cloud first determines what the business actually requires. Requirements vary significantly: one company may need only an operating account, while another requires safeguarding or settlement accounts. International businesses often need multi-currency accounts, SEPA and SWIFT connectivity, FX services, acquiring, or mass payout capabilities. Crypto businesses including CEXs, OTC desks, and prime brokers need fiat banking and settlement infrastructure specifically compatible with their regulatory status and fund flows.

This requirements-first approach reflects a shift in how specialized financial services are being sourced. Rather than treating banking relationships as commodity selections, clients benefit from rigorous mapping of their specific operational needs. Two fintech companies with superficially similar business models may require entirely different banking architectures based on factors including primary market geography, customer base characteristics, transaction settlement patterns, and compliance certifications already held or in progress.

Once the infrastructure requirements are mapped, suitable banks, EMIs, and payment institutions can be identified, and clients receive support with application preparation, introductions, and onboarding. Fintech and crypto businesses face particular scrutiny from financial institutions, which assess not only the applicant company and its license but also ownership structure, AML framework, client geography, source of funds, and transaction flow patterns. The due diligence conducted by banks on fintech clients has expanded significantly in recent years as regulatory scrutiny of the fintech sector has intensified and financial institutions have become more risk-conscious about the reputational implications of banking high-profile platforms.

IBAN Cloud does not hold client funds, operate as a bank, or make account-opening decisions; the final approval always remains with the relevant financial institution.

Service scope extends beyond Crypto to traditional international businesses

While the platform was developed partly in response to crypto and fintech companies’ infrastructure challenges, IBAN Cloud also serves traditional international businesses and individuals seeking international accounts, multi-currency solutions, FX services, corporate cards, or more efficient cross-border payment infrastructure. This broader application reflects the reality that many non-crypto businesses face similar sourcing challenges when their operational needs fall outside the product range offered by retail banking providers.

The partnership reflects a broader structural shift in fintech: as regulation, technology, and banking relationships grow more complex, isolated specialist services become less valuable than integrated advisory combining multiple domains of expertise. In previous years, a business might hire a compliance consultant, then separately engage a technology firm, then attempt to navigate banking relationships independently. This fragmented approach creates coordination costs, timeline delays, and the risk of misaligned decisions across layers. Integrated platforms that combine regulatory expertise, technical architecture guidance, and banking provider knowledge offer efficiency gains and superior outcomes.

Businesses can now submit their banking and payment requirements through IBAN Cloud to explore solutions aligned with their specific operational and regulatory profile. The platform invites companies seeking operating accounts, multi-currency access, SEPA or SWIFT connectivity, acquiring, settlement solutions, or broader banking infrastructure to describe their requirements and begin the matching process. The initiative demonstrates how infrastructure consolidation in fintech is creating opportunities for integrated advisory services that span previously distinct service categories.

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