Author archive
EU EMI & PI Authorisations
Sofia Reinholt covers EU electronic money and payment institution authorisations for SKY7, including EMI, PI, API and SPI perimeter questions. Her work focuses on substance, safeguarding, own-funds, conduct controls, outsourcing and the practical evidence a buyer needs before relying on a seller-provided licence file. Sofia compares ready-made opportunities with new-authorisation timelines, separates EEA passporting from local permissions, and flags when a headline claim needs regulator, bank or scheme confirmation. Her articles are written for founders, acquisition teams and regulated operators that need a sober view of what can transfer, what must be notified, and which operating assumptions should be tested before signing or submitting a change-of-control package.
Articles on file
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Electronic Money Institution licences are the most common path for fintechs handling client funds across the EEA. This guide covers what an EMI licence enables, where it's typically filed, capital thresholds, and the operating shape post-authorisation.
The Bank of Lithuania remains a practical EU EMI route — but the bar has moved. Updated guidance on substance requirements, key function holders, and the timeline you should actually plan around.
