Lupixo Management Consultancy is an independent strategic advisory firm. We help high-growth digital platforms, fintechs, and creator networks reduce de-banking exposure, evaluate BaaS/EMI partners, and plan resilient financial infrastructure.
Clear operational boundaries
Parallel migration approach
7-part compliance dossier
Eliminate Single Points of Failure
Independent Expertise. Institutional Clarity.
Lupixo connects platform operators, engineering teams, and prospective banking partners around a shared implementation plan. We translate complex business models into clear requirements, responsibilities, and decision points—helping each party evaluate the proposed architecture on its merits.
01 / THE CHALLENGE
Bridging Digital Innovation and Institutional Banking Risk Desks
De-Banking & Account Freezes
Inflexible BaaS underwriting and rigid risk algorithms frequently flag high-volume, cross-border, or non-standard transaction flows without notice.
Single-Point-of-Failure (SPOF)
Total reliance on a single EMI or banking partner creates existential operational threats if clearing rails are suspended.
Underwriting & Onboarding Friction
Bank risk desks spend months reviewing unstructured applications, leading to false-positive rejections and delayed time-to-market.
02 / CLEAR BOUNDARIES. INDEPENDENT THINKING.
Independent Advisory. Clearly Defined Boundaries.
Lupixo Management Consultancy provides strategic and technical consultancy. Its activity classification is UK SIC Code 70229 (Management consultancy activities other than financial management). This classification is not a regulatory authorisation or exemption; any permissions required depend on the activities undertaken.
Outside our remit
NO holding or custody of client funds
NO operating transaction clearing or settlement rails
NO regulated financial advice or tax structuring
Inside our mandate
DO prepare technical documentation for partner assessment
DO support partner evaluation and coordinate introductions to prospective BaaS/EMI providers
DO coordinate migration planning and implementation oversight; regulated services remain with the appointed providers
METHODOLOGY & STRATEGIC PILLARS
A Structured Path from Assessment to Execution
01 / Assess
Establishes the baseline: current banking dependencies, operational constraints, and agreed integration priorities.
02 / Design
Maps the target architecture, defines responsibilities, and documents the interfaces and dependencies needed for delivery.
03 / Stress-test
Tests the proposed design against partner outages, settlement delays, and reconciliation exceptions to expose gaps before implementation.
04 / Define Success
Agrees measurable acceptance criteria, accountable owners, and go-live readiness checks so delivery can be evaluated against clear objectives.
03 / OUR EXPERTISE
Core Practice Areas
01
Financial Architecture & De-Banking Audit
Top-to-bottom analysis of gross clearing paths, settlement holds, FX spreads, and SPOF vulnerabilities.
02
BaaS & Banking Partner Sourcing
Strategic matching and negotiation with vetted BaaS providers, EMIs, and principal card issuers.
03
Solution Design Mandate Package
A commissioned documentation package aligning operational, technical, and risk requirements for prospective partner assessment.
04
Turnkey Migration Management
Implementation oversight designed to maintain operational continuity through parallel migration, with launch readiness assessed against agreed criteria.
04 / THE SOLUTION DESIGN MANDATE
Benchmark Deliverable: The 7-Part Master Dossier
Our flagship deliverable converts complex platform mechanics into standardised, bank-ready institutional payloads.
01
Executive Memorandum
Underwriting baselines & alignment
02
Operational Briefing
Functional rail separation & manual user draws
03
Master Solution Design
JSON KYB schemas & multi-currency wallet specs
04
Structural Compliance Statement
Zero-inference webhook ledger integrity
05
Risk & Content Policy Framework
Traffic pre-screening & age-gating
06
Technical Dependency Log
API rate limits RPS, cutoffs & SLAs
07
Sandbox QA & Reconciliation Framework
5-point edge-case matrix & daily batch scripts
PROJECT TITAN
Project Titan Case Study
£368.3M*
*Projected Year 3 Spend Capacity modeled under 99.9% SLA
Multi-jurisdictional creator ecosystem & card issuing program
Zero Operational Downtime during platform migration
Automated server-to-server KYB sub-account provisioning
05 / FROM STRATEGY TO PRODUCTION
14-Week Execution Roadmap Example
01
WEEKS 1–3
Compliance & Legal Boundary Lockdown
02
WEEKS 4–7
Core Banking API & Sub-Account Provisioning
03
WEEKS 8–10
Card Program & Real-Time Velocity Controls
04
WEEKS 11–12
Signed Webhook Layer & Zero-Inference Rendering
05
WEEKS 13–14
Sandbox QA Edge-Case Matrix & Production Launch
06 / START A CONVERSATION
Ready to Build Resilient Financial Infrastructure?
Eliminate single-point-of-failure risks and secure institutional banking rails for your platform.