// Fintech & Financial Services
Neobanks — digital-only banking platforms like Revolut, N26, and Wise — need either an EMI license (for payment accounts and cards) or a full banking license (for deposits and lending). Lithuania has emerged as the neobank licensing capital of Europe, with 100+ licensed institutions. We've launched 10+ digital banking platforms.
Book Your Consultation// The Problem
You can build the app in 6 months. The license takes 6-12 months. Without the license, you can't launch. Regulatory preparation must start before or alongside product development.
EMI: €350K. Full banking: €5M+. Plus technology, staffing, and operational costs. Total launch budget: €1M-€10M depending on scope.
Banking-as-a-Service lets you launch on a partner's license. Faster to market but less control. The trade-off between speed and independence must be considered.
// The Solution
EMI for payment accounts and cards. Banking license for deposits and lending. BaaS for fastest time-to-market.
Neobank capital of Europe. 100+ licensed institutions. Fastest processing. Fintech-friendly regulator. Best for: EU neobanks wanting fastest launch.
Access to UK market. FCA-regulated. UK market (separate from EU post-Brexit). Best for: UK-focused neobanks.
Digital banking license. MAS digital banking framework. Asian market access. Best for: Asia-Pacific neobanks.
SCD license for digital banking. Sociedade de Crédito Direto. One of the world's largest digital banking markets. Best for: Latin American neobanks.
500M+ neobank users globally and growing 30%/year. The market is massive. The entry ticket is a license. 30-minute consultation — no obligation.
// Launch Path
Month 1-2: License application preparation. Month 3-6: Regulatory review and approval. Month 4-6: Technology build (parallel). Month 6-7: Card scheme integration. Month 7-8: Beta launch. Month 8-12: Full market launch. Total: 8-12 months from concept to customers.
"Launched an EU neobank from concept in 10 months. Lithuanian EMI license in 5 months. Visa BIN sponsor in 6 weeks. First 1,000 customers in month 8. Now 50K users across 12 EU countries. The regulatory expertise was the critical path."
// Important
BaaS (launching on a partner's license) is faster (3-6 months) but you're dependent on the partner. Own license (6-12 months) gives full control. We advise on the right approach for your stage.
Neobanks need 50K-100K customers to reach breakeven. Customer acquisition costs, interchange revenue, and premium tier pricing must be modeled before launch.
Ongoing capital adequacy requirements mean you need runway beyond the initial capital requirement. Plan for 18-24 months of operating costs.
// FAQ
EMI route: €500K-€1.5M (license + tech + operations). Full banking: €5M-€15M. BaaS route: €100K-€500K. The right path depends on your ambition and capital. Book a consultation.
BaaS: 3-6 months. EMI license: 6-10 months. Banking license: 12-18 months. Technology build runs in parallel with licensing. Book a consultation to plan your timeline.
White-label core banking (e.g., Mambu, Thought Machine) is faster. Custom build gives more control. Most neobanks use white-label cores with custom front-ends. Book a consultation to discuss technology strategy.
Yes — with additional VASP/CASP authorization under MiCA. Many neobanks now offer crypto trading, spending, and earning. Book a consultation to plan integrated crypto services.
Revenue streams: interchange fees, premium subscriptions, lending interest, FX margins, and marketplace referrals. Breakeven: 50K-100K active users typically. Book a consultation to model your unit economics.
// Related Solutions
The market is there. The technology exists. The missing piece is the license. Book a consultation — 30 minutes, no obligation.