Topic archive
Practical notes on EMI and electronic-money licensing across the EEA: capital, timelines, filing routes and the post-authorisation operating model. The articles focus on safeguarding, own funds, programme management, local substance, change-of-control risk and the operational evidence regulators expect before an e-money institution can serve clients at scale.
Archive
02 entries
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.
