BusinessCases

Discover how our solutions help accelerate growth, minimize risk and meet regulatory requirements across different sectors.

Fast market entry

Minimizing the risk of failures and errors

Reduction of operational costs

Full compliance with regulations

BUSINESS CASES

Example use case scenarios

Benefits and measurable business results achieved through our solutions

Payment institutions

Expanding Payment Offerings for National Payment Institution X

Introduction

National Payment Institution (NPI) X, holding a license for money transfer services, faces a strategic decision to expand its offering with new, key products such as payment cards and IBAN accounts for its customers. The traditional development path involves a series of challenges, including a lengthy licensing process, significant financial and operational investments.

Challenges of the traditional "build from scratch" approach

Complex licensing process

Submitting an application to extend the license for new products is a process that requires preparation of extensive documentation and verification of compliance with specific regulations. Its implementation time can be up to several months.

Significant financial investments

Building your own transaction system from scratch, integration with various providers (banks, card schemes, AML/KYC service providers) and hiring a specialized team.

High business and operational risk

Project complexity, potential delays in the licensing process and system construction, as well as lack of guarantee of market success for new products.

Lack of flexibility

Once built, the system may be difficult to adapt in the face of changing market or regulatory requirements.

Solution: Partnership with QonnectOne

QonnectOne offers an alternative approach that allows NPI X to scale business quickly and efficiently, bypassing most of the challenges mentioned above:

Ready-to-integrate transaction system

QonnectOne provides a complete, proven IT system that is ready to integrate with NPI X's existing transaction side.

Partnership with a licensed institution

QonnectOne cooperates with supervised institutions that already have the necessary, extended licenses to handle cards and IBAN accounts. The cooperation takes place in the Payments as a Service (PaaS) model in an outsourcing formula.

Fast market entry (Time-to-Market)

Integration with QonnectOne allows for a significant reduction of the time needed to launch new products from months to weeks.

Key results

4-6 weeks

Time-to-Market

70%

Cost reduction

Minimized

Business risk

100%

Business focus

Additional benefits of partnering with QonnectOne:

Cost and risk minimization: NPI X avoids huge initial financial outlays related to system construction and licensing process. Instead of asset investment, this model is based on operating costs (subscription, commissions).
Business model validation: QonnectOne enables NPI X to quickly and efficiently test a new business model on the real market. This allows you to verify demand, optimize processes and collect valuable data.
Focus on business development: Cooperation with QonnectOne frees NPI X from technological and regulatory burdens, allowing full focus on customer acquisition, brand building and developing business relationships.

Summary:

For National Payment Institution X, seeking to expand its offering with payment cards and IBAN accounts, partnership with QonnectOne represents a strategic and optimal solution. It allows for a significant reduction of time to market, reduction of financial outlays and minimization of business and operational risk. Instead of a complex and costly path of independent development, NPI X receives a complete IT tool and support of a licensed partner, which enables quick verification and scaling of a new business model.

Cryptocurrencies and digital assets

Business Continuity and MiCA Compliance for Cryptocurrency Institution Y

Introduction

VASP, registered, faces significant regulatory changes related to the entry into force of MiCA (Markets in Crypto-Assets Regulation). New regulations require obtaining appropriate permits to continue operations, which creates serious operational and strategic challenges for the enterprise.

Challenges related to MiCA implementation

Complex MiCA licensing process

Obtaining the required permit is a complex process that can take from several to several months, requiring comprehensive documentation and meeting specific capital and operational requirements.

Operational activity blockade

Without an appropriate MiCA license, the institution cannot continue servicing clients in the field of crypto assets, which means a complete suspension of revenues from this segment.

Risk of losing market position

Competitors who obtain a MiCA license faster or have alternative solutions may take over clients and market position while waiting for a license.

High compliance costs

Adapting systems, processes and the team to MiCA requirements requires significant investments without a guarantee of obtaining a license.

Solution: Partnership with QonnectOne

QonnectOne offers a comprehensive solution that allows for business continuity during the transition period:

MiCA-compliant ready system

A complete transaction system already adapted to MiCA requirements, ready for immediate integration with the client's infrastructure.

Partnership with authorized CASP

Cooperation with CASPs already holding a license in accordance with MiCA, enabling operations under their regulatory umbrella (outsourcing formula).

Business continuity without interruptions

Continuation of customer service and revenue generation from the first day of solution implementation.

Key results

100%

Business continuity

Secured

Revenue and position

No pressure

Own MiCA license

Full compliance

From day one

Key benefits of partnership in the context of MiCA:

Business continuity assurance: Institution Y can continue servicing its cryptocurrency clients without interruption, maintaining revenues and business relationships while waiting for its own MiCA license.
No time pressure: Possibility to calmly prepare and submit a high-quality license application without pressure related to loss of revenue or market position.
Competitive advantage: While competitors may struggle with business interruptions, Institution Y maintains full operability and can even acquire new clients.
Regulatory risk reduction: Operating under the license of an experienced partner minimizes the risk of MiCA violations and ensures full compliance from day one.

Strategic significance of the solution:

For Supervised Institution Y, facing the challenge of MiCA implementation, partnership with QonnectOne represents not only a transitional solution, but a strategic element of a long-term business strategy. It enables maintaining competitiveness at a key moment of regulatory transformation of the cryptocurrency sector, while ensuring the peace and financial stability necessary to successfully obtain its own MiCA license.

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