A fully licensed Electronic Money Institution (EMI) in Lithuania is now available for acquisition. Licensed in 2020, this EMI benefits from EU passporting rights, allowing operations across all 31 EEA countries. With strong IT infrastructure, SEPA connectivity, and a professional operational setup, it is ideal for fintechs looking to scale or enter the European payments market.

Company Overview

• License Type: Electronic Money Institution (EMI)
• Jurisdiction: Lithuania
• Licensed Since: 2020
• Statutory Capital: €800,000
• EU Passporting: Active in 31 EEA countries
• SWIFT Access: BIC connection via Alliance Lite2 (in progress)
• SEPA SCT: Participant in the European Payments Council

✅ Licensed Activities

• Issuing/acquiring of payment instruments
• Issuance & redemption of electronic money
• Currency exchange
• Execution of payment transactions:
  • Credit transfers (including standing orders)
  • Direct debits (including one-off)
  • Card-based transactions

Governance & Operations

• Fully formed management structure (CEO + Board)
• Operational services include EUR SEPA transfers and individual IBANs

Outsourced Mandatory Functions:

• Information Security Officer
• Internal Audit
• Financial Audit
• Accounting

Technology Infrastructure

Core Banking System (SaaS):

• CRM & Account Management
• FX, Treasury, and Ledger modules
• AML & Transaction Monitoring
• SWIFT message integration
• SEPA & PLAIS modules
• PSD2 compliance (XS2A API, 2FA, fallback access)

Banking Network

Own Funds Accounts:

• Bank of Lithuania
• SEB, SWEDBANK, Mano Bankas, Medicinos Bankas (Lithuania)
• Rietumu Banka (Latvia)

Segregated Client Accounts:

• Bank of Lithuania
• Mano Bankas (Lithuania)
• Rietumu Banka (Latvia)

Asking Price: Available Upon Request

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