Twin Woods Advisory 富林咨询 | Regulatory & Structuring Advisory, Singapore

Regulatory clarity for fintech and digital-asset founders in Singapore

Regulatory Clarity. Rooted in Expertise. 监管清晰 · 根植专业

Fractional compliance support for payments, fintech and digital-asset businesses. We bring hands-on payments compliance experience and a Singapore-qualified background, working alongside your own compliance officer and management in Mandarin and English, with structuring advice across Singapore, BVI, Cayman and Hong Kong.

Built for regulated, cross-border businesses.

We work with founders who need practical answers on licensing, structure and ongoing compliance in Singapore, whether they are based here, in Greater China or elsewhere in Southeast Asia.

Payments & digital-asset firms

Small licensed and pre-licence businesses building or running a compliance framework, including those getting ready for a licence application.

Cross-border founders

Chinese, Hong Kong and Southeast Asian founders setting up Singapore or offshore holding structures and ESOPs.

Single family offices

Keeping on top of ongoing Section 13O / 13U incentive conditions and reporting.

Practitioner-led advice, from someone who has done the job.

Twin Woods Advisory (富林咨询) was founded by a compliance professional who was called to the Singapore Bar (non-practising) and has senior in-house compliance experience at a licensed payments firm.

That means practical support shaped by what regulators expect and what a compliance function has to run day to day, not just what the rules say on paper.

We work in English and Mandarin, so founders from mainland China, Hong Kong and the wider region can discuss licensing and structuring decisions directly and clearly.

Senior compliance support, without a full-time hire.

Advisory, back-office support for fintech, payments and digital-asset businesses: building and maintaining your compliance framework, preparing for a licence, and getting your structure right.

01 Core service

Fractional Compliance Partner

Best forLicensed and pre-licence firms whose compliance officer or management want experienced, ongoing support.

Drafting, reviewing and updating compliance policies and procedures, including AML/CFT, technology risk and outsourcing
Support with enterprise-wide and business risk assessments
Regulatory change monitoring, with short notes on what applies to you
Compliance input on new products, partners and onboarding flows
Monitoring plans, management and board report templates, and preparation support
A sounding board for your compliance officer on day-to-day questions

Engagement

Monthly retainer with capped hours

Licence Readiness

Best forPayments and digital-asset businesses getting ready for a licence application. We help with gap assessment, policies and controls, and documentation; your own team submits the application and deals with the regulator.

Stage 1 · Readiness review: licence-type considerations, gap analysis and a practical roadmap
Stage 2 · Application preparation: support with your business plan, application materials and supporting documents
Compliance framework set-up: AML/CFT policies, risk assessments, technology risk and outsourcing outlines
Help preparing your team's responses to regulator queries

Engagement

Fixed-scope project, staged

Structuring Advisory

Best forFounders and family offices setting up or reorganising holding, operating or ESOP entities across jurisdictions.

Holding-structure options across Singapore, BVI, Cayman and Hong Kong
Share-class and ESOP vehicle design considerations
Entity set-up coordinated with licensed registered agents and service providers
Single family office (Section 13O / 13U) compliance checklists and reporting calendars

Engagement

Fixed-scope project

Ad-hoc advisory 专项咨询

Need a second pair of eyes? We take on focused pieces of work by the hour, for example a compliance review of a policy or a new product, or compliance input on partner and vendor arrangements (e.g. AML/CFT, outsourcing and data handling considerations).

Alongside your team, with clear boundaries.

We work behind the scenes, supporting the people who are accountable for your compliance.

Alongside your team

We support your appointed compliance officer and management. They stay responsible for compliance decisions and handle all dealings with regulators.

Advisory, not representation

We don't take on named regulatory roles or act for you before regulators. Our job is to make your own team better prepared.

Clear scope

Every engagement starts with an engagement letter: a monthly retainer with capped hours, a fixed-scope project or ad-hoc hours.

Async-friendly

We work through shared documents, email and scheduled calls, so you get considered input without the overhead of another meeting.

Conflict-checked

We run a conflict check before every engagement and may decline work where a conflict could arise.

Specialists when needed

Legal advice, independent audits and staff training are outside our scope. Where you need them, we work alongside independent law firms and other specialists.

Regulatory clarity for fintech and digital-asset founders in Singapore

Built for regulated, cross-border businesses.

Payments & digital-asset firms

Cross-border founders

Single family offices

Practitioner-led advice, from someone who has done the job.

Senior compliance support, without a full-time hire.

Fractional Compliance Partner

Licence Readiness

Structuring Advisory

Alongside your team, with clear boundaries.

Alongside your team

Advisory, not representation

Clear scope

Async-friendly

Conflict-checked

Specialists when needed

Let's talk about your compliance, licensing or structuring needs.