Licensing | Demire Finance - Licensing & Ready-Made Companies for Fintech and Crypto

Table of Licenses

Jurisdictional Overview

Typical timelines and scope signals. Final requirements depend on your product and regulator/bank decisions.

Jurisdiction

License Type

Timeframe

Key Features

🇪🇺 European Union

MiCA VASP (Crypto)

3–6 months

EU-wide passporting, custody, trading, token issuance

🇱🇹 Lithuania

EMI (Fintech)

4–6 months

Issue e-money, SEPA access, broad fintech permissions

🇬🇧 United Kingdom

EMI (Fintech)

6–9 months

UK-specific EMI license with FCA regulation

🇨🇦 Canada

MSB (Crypto/Fintech)

2–4 weeks

Covers crypto exchange, transfer, FX, KYC/AML via FINTRAC

🇺🇸 USA

MSB (Crypto/Fintech)

Varies by state

State-by-state money transmission licenses (MTR) + FinCEN registration

🇭🇰 Hong Kong

MSO / TCSP (Crypto)

4–8 months

Covers crypto OTC & custodial services under new VASP regime (2024–2025)

🇨🇭 Switzerland

SRO Membership (e.g. VQF, OSIF)

2–3 months

Enables crypto services under FINMA oversight via self-regulatory orgs

🇦🇺 Australia

AFSL (Fintech / Crypto)

6–9 months

License for securities, DeFi, tokenized assets; regulated by ASIC

🇦🇺 Australia

DCE or AUSTRAC Registration

1–3 months

Required for digital currency exchanges; KYC/AML compliance

A Clear Path to Your Fintech License

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Strategic Assessment & Roadmap

Whether you have a target jurisdiction in mind or require guidance from the start, our process begins here. We conduct a deep dive into your business model and goals to either validate your chosen path or determine the optimal jurisdiction and license type for a perfect fit. This phase concludes with a clear project roadmap, preventing costly strategic mistakes.

Bulletproof Application Package

This is where we build your case. Our team works hand-in-hand with you to compile, draft, and perfect the entire application package—including your business plan, AML/KYC policies, and financial projections—ensuring it meets the regulator’s highest standards.

Submission & Regulator Liaison

We don’t just submit and wait. After formally submitting the application, we act as your primary point of contact with the regulator. Our team expertly manages all subsequent inquiries and requests for information, ensuring a timely and professional response.

Approval & Post-Licensing Support

Receiving the license is a milestone, not the finish line. Upon approval, we guide you on the necessary steps to activate your license and commence operations. We can also connect you with our vetted partners for ongoing compliance and banking support.

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Unleash creativity. elevate brand

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A Clear Path to Your Fintech License

Strategic Assessment & Roadmap

We analyze your business model to either validate your chosen jurisdiction or recommend the optimal one. This initial phase delivers a clear project roadmap, ensuring you avoid costly strategic mistakes and are perfectly positioned for success.

Bulletproof Application Package

Our team partners with you to prepare a bulletproof application package, from business plans to AML/KYC policies, ensuring it is designed to meet the strictest regulatory standards.

Submission & Regulator Liaison

We don’t just submit and wait. Our team serves as your primary contact with the regulator, expertly managing all inquiries to ensure a professional and timely response.

Approval & Post-Licensing Support

Our support continues after approval. We guide you through license activation and operational setup, then connect you with vetted partners for ongoing compliance and banking needs.

Licensing Services

Licensing Types We Offer

EU Licensing

Licenses for operations within the European Economic Area (EEA), including passporting rights.

MiCA VASP License

EMI / PI — Electronic Money / Payment Institution

AISP / PISP — For Open Banking services

Crypto Asset Services under MiCA — Custody, exchange, issuance

Passporting

Get my EU license plan

Global Licensing

Licenses for regulated entry into key non-EU financial markets.

UAE — VARA VASP (Dubai), DMCC

United Kingdom — EMI (FCA-licensed)

Canada — FINTRAC MSB

Hong Kong — VASP (SFC), TCSP

Switzerland — SRO (VQF, OSIF)

Australia — AFSL / AUSTRAC DCE

Get my global license plan

Financial Clarity From Day One

Comprehensive, All-Inclusive Quotes

Our quotes are comprehensive. We clearly itemize every cost (government fees, legal drafting, service fees, and due diligence) so you know exactly what’s included. What you see is what you get.

Our “No Hidden Costs” Promise

We stand by our quotes. The price we agree upon is the price you pay, period. You won’t face unexpected invoices or last-minute charges unless the project scope changes at your request.

Value Beyond Paperwork

You are not paying for form-filling. You are investing in speed, certainty, and risk mitigation. You’re paying for our expertise in navigating regulatory minefields, our network of vetted buyers and partners, and a dedicated project management team that saves you hundreds of hours of complex work.

Support

FAQ — Crypto & Fintech Licensing

What’s the difference between an EMI and a PI license?

An EMI (Electronic Money Institution) license allows companies to issue and manage e-money, offer payment services, and hold client funds. A PI (Payment Institution) license permits payment services only, without e-money issuance or long-term fund storage. EMI licenses provide broader financial functionality.

Is Canada’s MSB license sufficient for operating a crypto exchange?

Yes. Canada’s MSB (Money Services Business) license, regulated by FINTRAC, is mandatory for operating a crypto exchange. It covers crypto trading, foreign exchange, money transmission, and digital payments. However, it does not permit dealing in securities or derivatives.

Do I need separate licenses to operate in each EU country?

No. Under MiCA and EMI frameworks, once licensed in one EU or EEA country, you can "passport" that license across all member states. This enables operations in 30+ countries using a single regulatory approval.

Can I buy a company that already holds one of these licenses?

Yes. Demire Finance offers ready-made companies with active EMI, VASP, or MSB licenses. Acquiring an existing licensed entity allows faster market entry, pending regulatory approval of ownership transfer.

What license is best for a global crypto startup?

For Europe: MiCA VASP or Lithuanian EMI.
For North America: Canadian MSB or US MSBs.
For Asia-Pacific: Hong Kong VASP or Australian AFSL.
We’ll help you find the best fit based on your roadmap, product, and compliance goals.

Do you guarantee that my license application will be successful? What happens if it’s rejected?

No reputable firm can guarantee the decision of a sovereign regulatory body. However, our guarantee is one of quality and diligence. We ensure that your application package will be prepared to the highest professional standard, meeting all formal requirements and best practices to maximize the probability of a successful outcome.

The timelines on your website seem optimistic. What is a realistic timeframe for getting a license?

The timeframes provided in our table are indicative estimates based on our experience under ideal conditions. The final timeline can be influenced by many factors, including the complexity of your business model and the regulator’s current workload.Following our initial consultation, we will provide you with a personalized project roadmap. This roadmap will outline a more precise and realistic timeline based on your specific case, allowing you to plan with greater certainty.

You only offer licensing services, but I need a full-service solution (incorporation, accounting, etc.). Is your focused approach a disadvantage for me?

Demire Finance deliberately focuses on licensing. This specialization allows us to be exceptionally efficient and effective in navigating the complexities of the regulatory process.However, as part of the established Demire Group, we offer seamless access to our network of trusted partners for corporate structuring, accounting, and ongoing compliance. This model gives you the best of both worlds: the deep expertise of a licensing specialist managed by a single, dedicated project manager, with the option of an end-to-end solution through our coordinated network.

Crypto and Fintech Licensing by Jurisdiction

Jurisdictional Overview

Jurisdiction

License Type

Timeframe

Key Features

A Clear Path to Your Fintech License

A Clear Path to Your Fintech License

Licensing Types We Offer

EU Licensing

Global Licensing

Financial Clarity From Day One

FAQ — Crypto & Fintech Licensing