SKU-04UAE4 weeksBoth tracksNew
Settlement and reconciliation design
Connect crypto flows to bank accounts, Aani and cards, with books that reconcile every day.
The outcome you can measure
Three numbers at the end of week 4
01 · A dateYour first live settlement dateTo a bank account, with cut-offs and pre-funding agreed.
02 · A gap countReconciliation breaks foundIn your current flows, across chain, custodian and bank.
03 · A money figureCost per transaction, before and afterSo the design pays for itself on paper first.
Why now
- Aug 2026Zand and Circle opened an AED–USD stablecoin corridor, linking stablecoins to bank rails.
- Jun 2026HSBC launched a tokenized deposit service in the UAE.
- RegulatedThe Central Bank’s payment token rules cover conversion and custody, so settlement design is now a regulatory question too.
- New routesAani and Jaywan open new routes into accounts and cards, and each needs its own settlement and reconciliation.
- Why meFew advisors work both sides. Rails, ledgers and reconciliation are where my payments background matters most.
Sources: DLA Piper (October 2026); CMS on the Payment Token Services Regulation.
Who it’s for
A good fit
- VASPs and exchanges settling fiat with UAE banks
- PSPs adding stablecoin acceptance
- Banks serving VASPs as clients
Not the right start
- Licence questions come first: see payment token readiness
What you get, and how it runs
- An end-to-end flow map, from on-chain transfer to bank ledger
- Settlement model: banking partners, cut-offs and pre-funding
- Reconciliation design across chain, custodian and bank
- Controls and exception handling
- A cost-per-transaction model
- Week 1Flow map and today’s breaks
- Week 2Settlement model and banking partner options
- Week 3Reconciliation design and controls
- Week 4Cost model, plan and readout
What I need from you
- Your finance and operations leads
- Sample transaction and ledger data
- Introductions to your banking partners
Where it leads
A fractional architect through first live settlement, or the licence-to-live operating model if conversion or custody is next.
How we’d work
Fixed feeQuoted after a 30-minute scoping call, half on signing.
In DubaiBased in Dubai; working sessions with you and your banking partners on site.
IndependentNo referral fees from banks or vendors. fazeZERO, which I contract through, won’t bid on build work from my advice without your written consent.
Numbers agreed up frontThe date, break count and cost per transaction are written into the statement of work.
Next step
Tell me where your books stop matching.
A 30-minute call is enough to confirm the fit, the fee and a start date.