End-to-end licensing solutions for Payment Institutions, FinTech companies, financial service providers, and international technology businesses.
Estonia is one of Europe’s most innovative jurisdictions, recognised globally for its advanced digital economy, modern public infrastructure, and business-friendly environment for technology companies. Its progressive regulatory framework has made Estonia a preferred destination for international FinTech businesses.
Companies providing regulated financial services must comply with Estonian legislation and European Union regulatory requirements relating to corporate governance, risk management, Anti-Money Laundering (AML), Know Your Customer (KYC) procedures, information security, and financial reporting.
We provide comprehensive support throughout the entire FinTech licensing process—from assessing your business model and selecting the most appropriate licensing strategy to preparing regulatory documentation, coordinating with the regulator, and providing ongoing post-licensing support.
Our comprehensive advisory services include:
- assessment of your business model and determination of the appropriate licence;
- advisory on Estonian regulatory requirements;
- company incorporation;
- corporate structuring;
- preparation of business plans;
- development of AML, KYC, and Risk Management policies;
- preparation of internal procedures and corporate documentation;
- assistance with establishing the company’s governance structure;
- preparation of the complete regulatory application package;
- support throughout the licensing process;
- assistance with opening corporate bank accounts;
- post-licensing legal and compliance advisory.
We begin by analysing your business model, financial services, target markets, and strategic objectives. Based on this assessment, we determine the most appropriate licence and develop a structured licensing roadmap.
Our team prepares corporate documentation, internal policies, business plans, and the complete regulatory application package, while coordinating communication with the regulator throughout the licensing process. Following licence approval, we continue supporting your business with compliance and corporate governance advisory services.
We evaluate your business model, financial services, and determine the appropriate licence category.
We incorporate the legal entity, establish the corporate structure, and prepare all required documentation.
We develop AML and KYC procedures, Risk Management frameworks, corporate governance policies, and other required internal documentation.
We prepare the complete application package, coordinate communication with the regulator, and manage responses to regulatory enquiries.
We oversee the licensing process through to successful approval while ensuring compliance with all regulatory requirements.
We provide legal, corporate, and compliance advisory services following the commencement of licensed operations.
- Proven experience supporting international FinTech licensing projects.
- Comprehensive legal and compliance advisory services.
- Deep understanding of European financial regulatory frameworks.
- Tailored solutions designed around each client’s business model.
- Preparation of a complete regulatory application package.
- Long-term legal, corporate, and compliance support following licence approval.
FinTech licences are suitable for businesses providing payment services, digital financial products, money transfer services, and other regulated financial activities.
Yes. Estonian legislation allows foreign investors to establish companies and obtain FinTech licences, provided all applicable regulatory requirements are met.
Depending on the type of licence, the regulator may require sufficient economic substance, including local management, office premises, and appropriately qualified key personnel.
Yes. We develop all internal documentation required for the licensing process, including AML and KYC policies, Risk Management frameworks, and other compliance documentation necessary to satisfy regulatory requirements.
Yes. We provide ongoing support with regulatory reporting, corporate administration, compliance management, and communication with supervisory authorities.
Our specialists will assess the potential of your project, prepare your company for the licensing process, and provide professional guidance throughout every stage of regulatory approval.
Contact our experts today to obtain a FinTech licence in Estonia and confidently expand your international financial business.