LTB

Industries

Our business is online, and every provider treats it as high risk.

High-risk classification is a set of specific mechanics rather than a judgement about legitimacy. Card-not-present sales carry higher dispute rates. Cross-border flows raise sanctions and monitoring questions. Digital delivery removes the shipping evidence acquirers use to defend chargebacks. Recurring billing generates friendly fraud. Where the product touches money itself (trading, exchange, or payments), licensing questions arrive as well.

Each activity fails differently, and the remedy is specific to it. Crypto and digital-asset businesses face registration and licensing regimes, exchange and custody counterparty risk, and banks that will not take fiat on- and off-ramp flows. Forex and trading businesses face licensing thresholds, marketing restrictions, and acquirers that treat deposits as unusually dispute-prone. Cross-border e-commerce faces VAT and marketplace obligations, decline rates, and descriptor problems. Subscription businesses face recurring-billing rules, cancellation requirements, and reserve terms set against future refunds.

The common failure is planning them in isolation: an entity formed for tax reasons that cannot obtain the licence, or an acquirer approved for a company no bank will hold an account for.

How LTB Resolves It

LTB takes the four together and builds one structure that works across them: jurisdiction and entity selection tested against licensing and banking appetite before formation, the AML and KYC framework and terms of service written for the actual product, filings and accounting maintained by professionals who accept the sector, and tax and residence positions coordinated with the corporate structure.

Legal work is provided directly across the EU and through vetted local counsel elsewhere. Licensing applications, tax filings, and immigration filings are made by the licensed professionals in LTB's network in each jurisdiction, and banking and acquiring are placed with institutions whose appetite covers the specific activity, with appetite confirmed and reserve and termination terms negotiated before any application. The regulated work is performed by those licensed parties; LTB structures, places, and coordinates it under one point of contact.

Activities covered on this page

  • Crypto and digital assets: registration and licensing regimes, custody and exchange counterparty risk, fiat on- and off-ramp banking, and the tax treatment of trading, staking, and token holdings.
  • Forex and trading: licensing thresholds by jurisdiction, marketing and disclosure restrictions, deposit dispute exposure, and client-money segregation questions.
  • Cross-border e-commerce: VAT and marketplace obligations, decline and chargeback ratios, descriptor and refund policy compliance, and multi-jurisdiction accounting.
  • Subscription billing: recurring-billing network rules, cancellation and refund requirements, friendly fraud, and reserve terms set against future refunds.

Questions

Frequently Asked

It depends on the activity and the jurisdiction, and the threshold is often narrower than founders expect, particularly where client funds are held or exchanged. The question is answered before incorporation, because it determines the jurisdiction.

Usually as a portfolio rather than a single company: separate operating entities where licensing and acquiring differ, under a holding structure. Combining incompatible activities in one entity is a common cause of both bank and licence refusal.

Begin With a Confidential Conversation

Whether you were referred to LTB or found the practice directly, the first conversation is confidential and without obligation.

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