01
Flow of Funds Map
How money actually moves through your business. Entities, counterparties, currencies, corridors, and every point where a US touchpoint creates a US obligation.
Spanish-speaking Latin America to United States
Latin America to the United States.
We prepare LATAM fintech and payment companies for US counterparty review: the flow of funds questions, the program requirements, and the documentation a US partner expects before it says yes.
Initial focus
Colombia first, then evidence-led expansion.
Colombia first, then other Spanish-speaking markets based on evidence from qualified conversations, buyer access, and near-term US triggers.
Brazil is outside the initial LATAM scope. Home-market legal, tax, and regulatory questions are coordinated with approved local specialists where local advice is required.
The engagement
US Entry Readiness. 60 days. Fixed scope.
One engagement, one US-readiness standard. We map the flow of funds, identify what US counterparties will require of your model, and scope the program before you commit to a structure you have to unwind. Six deliverables, in sixty days.
02
US Counterparty Question Set
What a US bank, processor, or investor will ask you, specific to your model, with your current answer to each one written down next to it.
03
Entity and Licensing Assessment
Which US registrations, state licenses, or partner structures your model actually triggers, and which ones it does not.
04
US Program Build Plan
The AML, sanctions, onboarding, monitoring, and governance components you need, scoped and sequenced to your actual volume.
05
Partner-Facing Readiness Pack
The documentation set a US counterparty expects to receive, prepared to the standard they review it at.
06
Executive Briefing
A working session with founders and leadership, held in the working language of your team.
Spanish-language access without changing the claims.
Spanish-language outreach should make Bright Sea easier to understand, not broaden the promise. Approved terminology keeps the message aligned across English and Spanish materials.
Compliance
Cumplimiento normativo
Assessment
Diagnóstico
Readiness
Preparación para
Sponsor bank
Banco patrocinador
Discovery starts with the actual business.
A productive readiness conversation maps the product, customers, countries, currencies, entities, counterparties, and implementation capacity before anyone talks about final scope or follow-on work.
Useful first questions
- What product does the company offer, and who are the customers?
- Which countries, entities, currencies, assets, banks, processors, and wallets participate in the funds flow?
- What US activity exists today, and what is planned?
- What banking, licensing, diligence, or compliance problem created urgency?
- Who owns the decision and implementation budget?
Prepare before a bank, processor, or regulator asks harder questions.
We help build and document the compliance posture third parties evaluate. We do not guarantee approval, banking access, timelines, or regulatory outcomes.
Schedule a readiness discussion