Fintech
Greywood CPA provides audits, regulatory filings and accounting for fintech, payments, money transmitter and financial services companies, including NFA introducing brokers and credit union service organizations. We are a licensed CPA firm (Virginia Board of Accountancy firm license #134961) working nationwide, at a fixed fee.
Fintechs answer to more people than most companies: state regulators, banking partners, card networks and investors. Each wants audited numbers, and each one tests customer funds, revenue and capital.
Last reviewed: November 2026
Each service has its own page with requirements, what we test, timelines and FAQs.
Annual audits that state regulators, bank partners and investors require, including customer funds, permissible investments and gross vs. net revenue.
Independent introducing brokers file a certified annual 1-FR-IB within 90 days of year-end and maintain at least $45,000 in adjusted net capital.
NCUA rules require CUSOs that credit unions invest in or lend to, to obtain an annual audit by a licensed CPA.
Settlement and clearing reconciliations, customer fund accounts, reserves, and crypto assets at fair value under ASU 2023-08.
Processor and bank reconciliations, revenue by stream, NMLS call reports and net worth monitoring at a fixed monthly fee.
| Who is asking | Usually requires |
|---|---|
| State money transmitter regulator | Annual audited financial statements |
| Independent NFA introducing broker | Certified annual Form 1-FR-IB |
| Credit union owners of your CUSO | Annual CUSO audit |
| Clearing accounts won't reconcile | Payment flow accounting |
| Monthly close and call reports | Outsourced controller |
A 30-minute call about your organization, who needs the report and your deadline.
Scope, report type, timeline and one fixed fee, in writing.
Everything we need, uploaded through a secure portal.
Remote testing, then a draft for your review.
A CPA partner signs, and we walk you or your board through the results.
Generally yes, filed annually with state regulators.
Within 90 days after fiscal year-end.
Generally yes, under NCUA requirements for credit unions that invest in or lend to them.
We quote one fixed fee in writing before any work starts.
Yes, nationwide and with groups that have entities abroad.
Tell us your licenses and year-end. A senior CPA will send a fixed-fee proposal within 1–3 business days.