Killing bureaucratic bottlenecks​
Your team has completed everything that the bank or regulator requested, received responses. Nonetheless, the application is not progressing.
Six weeks later: "We need one more document."
You send it, followed by two months of silence.
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Another email: "Can you clarify your operational structure?"
You clarify, followed by more waiting.
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Meanwhile:
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Burning runway
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Launch is delayed
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Board keeps asking the same questions for months
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Why can't your team fix this?
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Your compliance team is strong, but they're also running daily operations, customer onboarding, and three other urgent projects. A stalled external application doesn't get sustained ownership.
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ATHANOR assumes end-to-end ownership of ongoing applications, applying controlled pressure until a clear outcome is delivered.
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Your team does not need to prepare anything. ATHANOR embeds seamlessly for a fixed term (3–6 months) and delivers the results.
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​Pricing: Engagement is structured as a fixed-term mandate with defined scope and outcome. Pricing discussed on the initial call based on file complexity.
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Irma Külaviir
Founder & Compliance Officer
Overview of Process
Why choose ATHANOR
Case Study
How ATHANOR supported the opening of 11 bank accounts for a leading Crypto Liquidity/OTC Desk:
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Audited 12+ months of prior communications
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Built segmented tracking funnels for each institution
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Consolidated requirements across Legal, Compliance, Finance, and Operations, and Developer teams
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Identified and mobilised every required local actor across jurisdictions, formal or informal, to convert stalled files into active processes
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Studied local business culture in foreign jurisdictions to understand unwritten rules
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Found contacts who'd worked in-market and could navigate on the ground
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Activated senior-level introductions, including with a board member of an external partner organisation, to escalate the matter constructively
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Managed internal stakeholder communications
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Applied controlled pressure across all relevant channels until momentum resumed.
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ATHANOR embeds full-time on fixed-term mandates to take ownership of stalled banking, licensing, and regulatory applications for Fintech and Crypto companies that require this level of operational control.​
What working with ATHANOR gets you
One accountable operator owning the matter end-to-end:
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A fixed-term (3-6 months) embedded fractional hands-on lead
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Complete rebuild and consolidation of submission documentation aligned to institutional expectations ​
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Direct management of all counterparty engagement across banks, regulators, and licensing authorities, including drafting, calls, escalation, and follow-ups
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Precise identification of the blocking variable and active intervention until the constraint is removed
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Defined status delivered: approval, agreed remediation path, or formal decline with next steps
Kagwe Njoroge
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Head of Trading Operations, Keyrock (Leading crypto Market Maker and Liquidity Provider)
Irma joined our efforts in enhancing our banking and custody infrastructure by an intense 6 months of progressing our onboarding efforts across multiple institutional and globally leading banking, payment and digital asset custody providers. Her tenacity, project management and ability to manage processes with multiple external parties made a very significant difference. She demonstrated an ability to learn quickly, use her networks in the sector and communicate with external counterparties in a manner that made this time sensitive project progress quickly. Highly recommend her to any high performing team.
Yana Afanesieva
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Leading FinTech compliance authority, Ex-PayPal, Ex-Amazon, Founder of Competitive Compliance GmbH
I had the pleasure of working with Irma on a variety of compliance, licensing, and regulatory projects since 2017, where I also had the opportunity to be her manager and her peer on several engagements. Over the years, I’ve witnessed her impressive professional growth. Irma is dependable, detail-oriented, and relentless in her pursuit of the highest standards. She has a unique ability to dive into complex and unusual cases with curiosity and rigor, while always ensuring her recommendations are pragmatic, actionable, and aligned with business objectives. Any FinTech or Crypto company would be fortunate to have Irma as a trusted advisor.
