Evaluation RuleDecision layer

Fintech Platform Rule: Adopt Only When the Client Contract Covers the 1,900 € Monthly Floor

Does the agency have a signed fintech client whose contract value covers Fintech Platform's 1,900 € monthly Starter floor plus the 60-hour setup, and can the agency carry compliance liability as a financial service reseller? Adopt Fintech Platform only when a signed fintech client contract covers the 1,900 € monthly Starter floor plus the 60-hour setup, and the agency accepts compliance liability as a financial service reseller.

By InnovaAI ResearchPublished

“Does the agency have a signed fintech client whose contract value covers Fintech Platform's 1,900 € monthly Starter floor plus the 60-hour setup, and can the agency carry compliance liability as a financial service reseller?”

Adopt Fintech Platform only when a signed fintech client contract covers the 1,900 € monthly Starter floor plus the 60-hour setup, and the agency accepts compliance liability as a financial service reseller.

Common Mistake

Agencies sign up for Starter to build a fintech demo or pitch asset before any client has committed, then discover the 1,900 € monthly fee and 60-hour setup have no contract behind them. Others treat the 1,000 end-user cap as generous and only move to Growth at 4,700 € monthly after a client has already outgrown Starter mid-engagement.

Why This Works

Starter costs 1,900 € monthly (1,583.33 € on annual billing) and caps at 1,000 end-users, while Growth at 4,700 € monthly removes that ceiling. The platform bundles KYC/AML workflows, IBAN account management, and card issuing into one API-first backend, which is what makes a 30-day neobank launch possible without building infrastructure. But the verdict is explicit that agencies must commit to a fintech-specific vertical and accept compliance liability, so the tool only pays off when a client contract already exists to absorb that cost and risk.

Apply When
  • •The agency has a signed client in fintech, real estate crowdfunding, or investment funds that needs a branded neobank, investment platform, or card-issuing service
  • •The client's expected end-user base stays at or below 1,000, which is the Starter tier ceiling before moving to Growth at 4,700 € monthly
  • •The agency can absorb 60 hours of setup and 10 hours per month of ongoing delivery without pulling staff off existing retainers
  • •The client contract runs at least 12 months, so the agency can amortize the 1,900 € monthly platform cost against recurring revenue
  • •The agency is prepared to operate as a financial service reseller and handle regulatory filings and compliance liability
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