Electronic Money Institution and Payment Institution licensing across EU (Lithuania fastest), UK, Hong Kong, Singapore, and more.
EMI and Payment Institution licences unlock the ability to issue e-money, hold client funds in payment accounts, and process transactions on behalf of third parties. Lithuania is typically the fastest EU route with full PSD2 passporting. We cover the complete application lifecycle including capital planning, safeguarding policy, AML programme build-out, and banking setup.
| Jurisdiction | Regulator | Timeline | Cost Tier | Complexity |
|---|---|---|---|---|
| 🇱🇹Lithuania | Bank of Lithuania | 4–7 mo | $$ | Medium |
| 🇱🇻Latvia | FCMC | 5–9 mo | $$ | Medium |
| 🇲🇹Malta | MFSA | 8–14 mo | $$$ | High |
| 🇵🇱Poland | KNF | 6–10 mo | $$ | Medium |
| 🇮🇪Ireland | CBI | 12–18 mo | $$$$ | High |
| 🇬🇧United Kingdom | FCA | 12–18 mo | $$$$ | High |
| 🇬🇪Georgia | NBG | 3–6 mo | $ | Low |
| 🇭🇰Hong Kong | HKMA | 6–12 mo | $$$ | High |
| 🇸🇬Singapore | MAS | 12–18 mo | $$$$ | High |