Who it's for
Payments startups, wallets, neobanks, marketplaces handling funds, and fintechs expanding into a new market who need to know what licence travels with them.
How it works
1. Tell us your model and target markets.
2. We rank your licensing options with the trade-offs that matter — speed, cost, credibility, passporting.
3. Choose a route, and we prepare the documentation to apply.
FAQ
What's the difference between an EMI and a payment institution licence?
Broadly, an e-money institution can issue and hold electronic money (store value); a payment institution executes payments but generally can't hold e-money. Which you need depends on whether you store customer funds — we confirm this against your actual flows.
Which jurisdiction is best for a fintech licence?
There's no universal answer — it depends on your markets, budget, timeline, and how much regulatory credibility you need. We rank the realistic options for your case rather than pushing a default.
How long does licensing take?
Months, not weeks, and it varies widely by jurisdiction and licence. We give you a realistic timeline up front so you can plan runway around it.