End-to-end licensing solutions for fintech companies, payment platforms, neobanks, electronic wallet providers, international payment service providers, and other payment institutions.
An Electronic Money Institution (EMI) licence is one of the key regulatory authorisations for businesses planning to operate in the electronic money and payment services sector. It enables authorised institutions to issue electronic money, provide payment accounts, offer electronic wallets, process payment transactions, and deliver a broad range of regulated financial services in accordance with European legislation.
EMI licensing has become the preferred solution for fintech companies, payment platforms, neobanks, marketplaces, and international payment service providers. Within the European Economic Area (EEA), an EMI licence may allow businesses to expand into other member states through the applicable passporting procedures.
Obtaining an EMI licence requires careful preparation of the corporate structure, business model, Risk Management framework, AML and KYC policies, financial documentation, and safeguarding arrangements for client funds. We provide comprehensive support throughout the licensing process, helping businesses satisfy regulatory requirements and establish sustainable payment operations.
Our comprehensive advisory services include:
- assessment of your business model and EMI licensing eligibility;
- advisory on selecting the optimal jurisdiction;
- guidance on regulatory requirements;
- company incorporation;
- corporate structuring;
- preparation of business plans;
- development of AML, KYC, and Compliance policies;
- implementation of Risk Management frameworks;
- preparation of internal corporate documentation;
- preparation of the complete regulatory application package;
- coordination of communication with the regulator;
- post-licensing legal, corporate, and compliance advisory.
Our specialists assess your business model, payment services, target markets, and strategic objectives. Based on this assessment, we identify the most suitable jurisdiction and develop a tailored roadmap for obtaining an EMI licence.
We prepare corporate documentation, business plans, AML and KYC policies, Risk Management frameworks, and coordinate all communication with the regulator throughout the licensing process. Following licence approval, we continue providing comprehensive legal, corporate, and compliance advisory services.
We evaluate your business model, payment services, and identify the most appropriate licensing jurisdiction.
We establish the legal entity and develop a corporate structure that complies with regulatory requirements.
We prepare the business plan, AML and KYC policies, Risk Management framework, and all documentation required by the regulator.
We prepare the complete regulatory application package, coordinate communication with the regulator, and manage the application review process.
We oversee every stage of the licensing process and ensure full compliance with all applicable regulatory requirements.
We provide continuous assistance with corporate administration, compliance management, regulatory reporting, and business development.
- Comprehensive support for international fintech and payment projects.
- Proven experience with payment services regulation.
- Deep understanding of European financial regulatory requirements.
- Tailored solutions designed around each client’s business model.
- Preparation of a complete regulatory application package.
- Long-term support following licence approval.
An Electronic Money Institution (EMI) licence authorises a company to issue electronic money and provide a range of regulated payment services in accordance with applicable financial regulations.
An EMI licence is suitable for fintech companies, neobanks, payment platforms, electronic wallet providers, marketplaces, and other businesses operating within the payments ecosystem.
Yes. Implementing robust Anti-Money Laundering (AML), Know Your Customer (KYC), Risk Management, and internal control frameworks is a mandatory requirement for obtaining and maintaining an EMI licence.
Yes. We prepare business plans, corporate documentation, internal policies, and the complete regulatory application package required for the licensing process.
Yes. We provide ongoing legal, corporate, and compliance advisory services, including corporate administration, regulatory reporting, and assistance with communication with regulatory authorities.
Our specialists will help you select the most appropriate jurisdiction, prepare your company for the licensing process, and provide professional guidance throughout every stage of your project.
Contact our experts today to obtain an EMI licence and confidently grow your international fintech business.