Expertise
Digital Assets Advisory
Advisory at the intersection of banking, payments and digital assets, written for businesses that have to operate inside real financial infrastructure.
The problem this work solves
For most digital-asset businesses the hard problems are not on chain. They are fiat: getting and keeping banking access, moving customer funds reliably, holding counterparties that will not withdraw at short notice, and presenting the business in a way that regulated partners can accept.
Wernberg & Partners advises on that intersection. The perspective is commercial and institutional: what the business needs from its infrastructure, which counterparties can credibly provide it, and how to position the proposition for banks, payment partners and enterprise customers.
Typical situations
When companies bring us in
Fiat on and off ramps are unreliable, expensive or dependent on a single provider.
A banking or payment partner has given notice, tightened terms, or declined onboarding and an alternative route is needed.
The business is moving from a retail proposition towards institutional or enterprise customers and the commercial model has to change with it.
A payments or fintech business is adding digital-asset capability and needs to understand what that changes commercially and operationally.
An investor, board or partner requires an independent view of the infrastructure the business depends on.
Scope
What we work on
Fiat infrastructure
How fiat funding, settlement and payouts are structured around the digital-asset side of the business, and where the fragility sits.
Banking access
What banking partners actually assess, how the business should be presented, and which structures make access more durable.
Payments
Card acceptance, local payment methods, payouts and the commercial and risk realities of serving this sector.
Counterparties
Assessment of banking, payment, liquidity and infrastructure counterparties across commercial terms, capability and concentration risk.
Infrastructure assessment
An independent view of the current setup, its dependencies and what would happen if a key relationship were withdrawn.
Product strategy
Which products the business should offer, in what order, and what each requires from partners and infrastructure.
Market positioning
Positioning for institutional buyers, partners and counterparties, where credibility is judged as strictly as the product itself.
Commercial model
Pricing, spreads, fees and margin structure, and how infrastructure cost flows into them.
Engagement
How the engagement works
01
Understanding the setup
Mapping flows, partners, dependencies and commercial terms as they exist today.
02
Assessment
Where the business is exposed commercially or operationally, and which alternatives are realistically available.
03
Execution
Partner sourcing and assessment, positioning material for counterparties, and negotiation support.
04
Continued involvement
Support as new relationships are onboarded and the model is tested in operation.
Selected work
Engagements of this type
Structuring financial infrastructure
Assessing banking, acquiring, payments and digital-asset counterparties to build a more resilient setup.
Executive decision support
An independent operator view on infrastructure and partnership decisions with long consequences.
Crosswire, built within the Wernberg & Partners orbit, provides financial infrastructure to complex and high-risk businesses including digital assets. See selected involvement.
Related expertise
Payments and banking infrastructure advisory
The banking, acquiring and settlement layer these businesses depend on.
Financial services market entry
When the next step is a new geography or a new customer type.
Who does the work
Advisory delivered personally
Engagements are led by Gustaf Hult, founder and senior advisor at Wernberg & Partners, who works directly with founders, executives and commercial teams across fintech, payments, banking and digital assets. Specialist expertise is brought in from the wider network where an engagement requires it.
Wernberg & Partners is an advisory firm. It does not provide custody, exchange, brokerage, investment or regulated digital-asset services.
Request advisory
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