(FOR MORE INFORMATION PLEASE DOWNLOAD THE ATTACHED DOC)
We’re building an international donation platform that combines:
- Fiat payments** (cards, bank, iDEAL, etc.) via PSPs
- Blockchain / stablecoins** (e.g. Solana) for transparency and internal flows
Key features:
- Split payments: one donation → multiple projects/NGOs
- In-app wallet/balance so funds can stay in the ecosystem
- Simple UX: no crypto knowledge needed
- EU first: with a clear path to international expansion
We’ve already spoken with EU fintech/tech lawyers (PSD2, MiCA, limited network, PSP partnerships, PI/EMI), but we’re not sure what the ''best starting route'' is and which “side doors'' we might be missing.
Very important:
- We want to avoid our own PI/EMI license at the start, unless truly unavoidable.
- We’re open to **pure fiat via PSPs** (blockchain only as audit layer) and **hybrid fiat + stablecoin** (PSP in/out, on-chain internally).
- We’re willing to set up entities in other countries if needed, but prefer Netherlands/EU.
Custody: we foresee a custodial technical design with a non-custodial feel. We want to help users recover access (passwords/keys) but **never have arbitrary access to their funds**. Ideally flows are governed by smart contracts: A (donor) → contract → ~1% or less to B (platform) → rest to C (NGO).
What we want from you:
- A clear memo outlining realistic architectures (PSP-only, hybrid, exemptions), licensing impact (PSD2/MiCA), and a recommended starting route.
- A short phased roadmap, plus your timeline, approach and price for discovery, memo and one Q&A round.
Please share relevant PSD2/MiCA + marketplace/PSP experience (Mollie/Adyen/Stripe/Mangopay a plus) and any work with donation/crowdfunding platforms.
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