We build the entity, banking, and acquiring stack underneath cross-border businesses — through regulated PSPs, licensed acquirers, and jurisdictions that hold up to scrutiny. Compliance-first, operator-built, discreet by default.
Every engagement runs through the same spine: legal structure, documented ownership, banking that holds, and a payment stack the acquirer's risk team can defend.
Entity setup across UK, EU, UAE, Singapore, Hong Kong, and US — matched to your settlement geography and customer base, not to whatever's cheapest.
UK LtdUAE FZEstonia OÜDelaware C-CorpWhere legally permitted and disclosed to relevant authorities. UBO is always documented and declared. Appropriate representation, not concealment.
UBO declaredJurisdiction-dependentIntroductions to regulated acquiring banks and licensed PSPs that match your MCC, volume profile, and risk band. We prepare the file. You go through formal underwriting.
E-commerceSaaSHigh-risk verticalsMulti-MID redundancy, descriptor strategy, reserve negotiation, chargeback infrastructure, cross-border settlement design. The boring work that keeps accounts alive past month four.
ArchitectureRedundancyKYC/AML files, underwriting packets, source-of-funds documentation, business verification dossiers. Built the way risk teams actually want to read them.
KYC/AMLUnderwritingSoFVASP-aware entity design, licensing pathways where required, banking partners that onboard crypto-adjacent revenue. Compliance-focused, licensed only.
VASPMiCA-readyLicensedSix to eight weeks for a typical stack. Longer for licensed entities. We don't promise speed we can't deliver through compliant channels.
Business model, geography, volume, history. Honest conversation about what's possible.
Entity, banking, and acquiring stack mapped to your actual operations.
UBO, KYC, source-of-funds, underwriting file — built once, used everywhere.
Formal applications through partners. You sign contracts directly.
Processing live, redundancy in place, monitoring set up.
Quarterly reviews. We plan for month forty, not month four.
shellr. was started by people who spent years inside acquiring banks, PSPs, and high-volume merchant operations. We've read the sponsor bank agreements. We've sat in the risk committee meetings. We know which files get approved and which get shelved.
We work with founders who want to build properly — documented ownership, defensible compliance, infrastructure that survives a regulatory review. If you're looking for shortcuts around KYC, hidden beneficial ownership, or unlicensed processing, we're not the right fit.
For everyone else: we're the firm that gets called when the cheap setup falls apart at month four.
30-minute intake call. Honest read on whether we can help, and what a realistic stack looks like for your business.