// Fintech & Financial Services
An Electronic Money Institution (EMI) license lets you issue electronic money — digital wallets, prepaid cards, and payment accounts. It's the foundation for neobanks, fintech apps, and digital payment platforms. Lithuania offers the fastest path to EU-wide authorization.
Book Your Consultation// The Problem
Issuing wallets, cards, or stored-value products without EMI authorization violates EU law. Penalties include fines and criminal charges.
Issuing banks, card schemes (Visa, Mastercard), and settlement banks require EMI authorization before onboarding you.
EU-wide operation requires a license in one member state plus passport notifications. No license = single market only.
// The Solution
Lithuania leads in fintech licensing speed and volume.
Fastest. 100+ EMIs licensed. Bank of Lithuania has licensed more EMIs than any other EU regulator. 4-6 month processing. Best for: fastest EU EMI authorization.
Central Bank regulated. Premium. Strong regulatory reputation. English-speaking. Home to major fintechs. Best for: premium positioning.
Separate from EU post-Brexit. FCA-regulated. UK market only (EU requires separate license). Best for: UK-focused EMIs.
Established fintech hub. Dutch National Bank. Growing fintech ecosystem. Best for: operators wanting Netherlands as home base.
Wallets, cards, accounts — everything starts with the license. 30-minute consultation — no obligation.
// Full Service
We handle the complete EMI licensing process: capital requirements, governance structures, AML/KYC frameworks, technology compliance, and card scheme relationships. Your EMI launches fully compliant and operationally ready.
"Lithuanian EMI license approved in 5 months. Visa BIN sponsor connected within 6 weeks. First cards issued to customers in month 7. Now processing €3M/month across 15 EU countries. The licensing expertise saved us 6+ months versus doing it ourselves."
// Important
EMI authorization requires €350K initial capital. This must be available before application and maintained throughout operations.
Client funds must be safeguarded at all times — segregated bank accounts or insurance-backed guarantees.
Monthly regulatory returns, annual audits, quarterly capital adequacy calculations, AML reporting.
// FAQ
Application and legal: €100K-€200K. Capital requirement: €350K. Technology: €100K-€300K. Total first year: €550K-€850K. Annual operations: €100K-€300K. Book a consultation for detailed budgeting.
Lithuania: 4-6 months. Ireland: 6-12 months. UK: 6-12 months. Preparation quality directly affects timeline. Book a consultation to start.
Yes. EMI authorization allows prepaid card issuance. You need a Visa or Mastercard relationship (principal membership or BIN sponsor). We connect you with card scheme partners. Book a consultation.
EMI can issue electronic money (wallets, cards, accounts). PI can only process payments — no stored value. If customers hold balances with you, you need EMI. Book a consultation to determine your license type.
Yes. One EMI license can be passported to all 27 EU/EEA states through notification (2-3 months per country). Book a consultation to plan your EU rollout.
// Related Solutions
The EMI license is your foundation. Book a consultation — 30 minutes, no obligation.