Why fintechs can’t wait for Washington: how a former Citi CCO turned 24‑month US licenses into a 3‑month hack
For a non‑US fintech, the US banking license process is the regulatory equivalent of dial‑up internet: slow, expensive, and completely out of sync with how the rest of your business actually moves.
Typically, a full US banking license can take 18–24 months or more, while your product team is shipping weekly and Washington is still thinking in quarters and exam cycles.





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