Independent advice for businesses that move money.
Payments, banking relationships, foreign exchange and the software behind them, and putting AI to work safely in your operation. From someone who has built and run payment businesses.
Services
Where we help
Most engagements start with one of these situations. Each has a clear deliverable.
- 01
Launching or expanding a payments business
Operating model, provider choice and route to market, including preparation for authorisation alongside your lawyers.You get: a plan, a provider shortlist and what to put in place first.
- 02
Putting AI to work in your operation
Where AI pays off in a payments or fintech business: onboarding and document checks, reconciliation exceptions, the support inbox, monitoring news and counterparties, internal reporting. Then a working pilot, with clear rules on what the AI does alone, what needs a person and what data it never sees.You get: a map of where AI helps, one pilot running, and controls you can show your bank or regulator.
- 03
Finding and keeping banking partners
Banks and account providers that fit your business, and preparation for their onboarding and ongoing due diligence.You get: a target list, an onboarding pack and support through the process.
- 04
Moving money across borders
Payment flows, remittance and payout corridors, currency conversion, settlement and reconciliation: which providers to use, what a transfer really costs the sender, and the controls around it. For remittance firms, what it takes to win senders over from informal channels. Where it fits, that includes settlement in regulated stablecoins alongside bank rails.You get: a review of your set-up and the changes worth making.
- 05
Building or fixing payment software
Provider and banking integrations, ledgers, multi-currency accounts and APIs.You get: an architecture review, a delivery plan or hands-on build support.
- 06
Reviewing a fintech operation
An outside view of how a fintech business runs, before a launch, a change of provider or an investor's review.You get: a short, candid report with priorities.
- 07
Introductions
Banks, payment providers and specialists we know, where an introduction serves you.You get: a direct introduction to the right person.
Experience
Grounded in doing the work
We do not publish client names. We are happy to discuss relevant experience on a call.
- Cross-border
Served online businesses sending and receiving payments in more than 150 countries.
- Banking
Opened and maintained banking and payment-provider relationships for international businesses, and prepared them for due diligence.
- Technology
Designed and built payment platforms: ledgers, multi-currency accounts, provider integrations and APIs.
- AI operations
Built and run AI agents for correspondence, monitoring and decisions, with human approval, sandboxing and audit logs.
- Structures
Set up and ran companies across several countries, with their banking, legal, tax and accounting support.
Working with us
Four steps, agreed in writing
Fixed-scope projects or ongoing advice, always with the scope and fee agreed before work begins.
- 01
Get in touch
Send a short email. Our address is at the end of this page.
- 02
Introductory call
We talk through the problem, the context and the outcome you want.
- 03
Proposal
A written proposal with scope, deliverables, timeline and fee.
- 04
Engagement
Work starts under a written agreement, as a project or ongoing advice.
FAQ
Questions we are often asked
How are you paid?
By our clients, under a written agreement with an agreed fee. If a partner pays us for an introduction, we tell the client in advance.
Do you sell AI software?
No. We advise, and help you build with tools you own and control. We recommend what fits your business, not a vendor.
Where are you based?
Samita Limited is registered in Gibraltar. We work with clients internationally, in English and Russian.
Will you keep our business confidential?
Yes. We do not name clients or discuss their affairs, and we are happy to sign a non-disclosure agreement before an introductory call.