Lithuania · Electronic Money Institution

Operational Lithuanian EMI for Sale

The owner confirms an active Lithuanian electronic money institution licence. The seller reports live cross-border payment infrastructure, notifications across 29 other EEA states, CENTROlink connectivity, customer IBAN capability, safeguarding accounts in Lithuania and Poland, and a management team prepared to remain. The proposed transaction is a purchase of all issued shares, subject to Bank of Lithuania assessment and full diligence as of July 2026.

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The offer in short

An active EMI company, with the operating file still to test

This is an anonymised offer for 100% of the shares in a Lithuanian company. The owner confirms that the company holds an active electronic money institution licence issued by the Bank of Lithuania (Lietuvos bankas). The legal name, company code, licence number and detailed permission schedule are reserved for qualified buyers under NDA and must be matched to the regulator's current public record before signing or closing.

The seller describes the entity as operational and built for remittance and cross-border payments. Reported infrastructure includes CENTROlink access for SEPA payment flows, customer IBAN capability, safeguarding arrangements in Lithuania and Poland, cross-border notifications covering 29 other EEA states, and an existing management group including the Director, CIO and MLRO. Those are seller-provided commercial statements rather than findings established by this anonymous page.

A buyer acquires the regulated company, not a detachable licence or a bundle of relationships that automatically survives new ownership. The Bank of Lithuania qualifying-holding process, bank and payment-system reviews, staff retention, client contracts, technology rights and the safeguarding position all need their own evidence and closing mechanics.

Active EMI: Licence status confirmed by the owner; entity and scope rechecked under NDA
29 EEA hosts: Cross-border notifications reported by the seller, to verify state by state
2 countries: Safeguarding accounts in Lithuania and Poland reported by the seller
100% shares: Proposed acquisition of the existing Lithuanian legal entity

Regulatory status

What the confirmed licence does and does not establish

An electronic money institution is a regulated legal person authorised to issue electronic money and provide the payment services recorded in its permission file. The owner has confirmed the active licence status. That confirmation does not, by itself, establish whether the licence is unrestricted, which individual payment services are recorded, whether any conditions apply, or which cross-border notifications are currently effective.

Buyer counsel should obtain the current Bank of Lithuania profile and decision, reconcile the company code and licence number, and map each intended product to the recorded permissions. The exercise should distinguish e-money issuance, payment-account services, execution of transfers, acquiring, money remittance and any other service the buyer expects to operate. A broad EMI label is not a substitute for that permission-by-permission mapping.

Cross-border reach also requires precision. An EMI authorisation does not automatically prove that every host-state notification is complete for every service and delivery mode. The seller reports notifications covering the other 29 EEA states. The buyer should compare the Lithuanian national record, which is the primary source, with the European Banking Authority register and then check the services, branch, agent or freedom-of-services mode and current status in each material market.

Seller-reported operations

The infrastructure to examine in the data room

CENTROlink connectivity

The seller reports direct CENTROlink participation. Confirm the participant model, executed agreement, BIC, enabled schemes, production status and treatment of new control.

SEPA payment flows

The seller reports SCT, SCT Inst and SDD capability. Scheme adherence, message access, processing evidence, limits, incidents and operational readiness remain to be tested.

Customer IBANs

The seller reports the ability to provide dedicated IBANs. Confirm the issuing model, financial institution code, account ledger, terms, reconciliation and customer migration.

Safeguarding

The seller reports active safeguarding accounts in Lithuania and Poland. Agreements, designation, balances, reconciliations and continuity after a control change require review.

Management team

The seller reports that the Director, CIO and MLRO are willing to remain. Verify roles, regulatory status, contracts, capacity, retention terms and the buyer's target structure.

Operating history

The seller describes an operational remittance and cross-border platform with a clean record. Test activity, financials, complaints, incidents and regulatory correspondence.

Evidence status

Confirmed, seller-stated and still required

Item	Current position	Buyer check
Item EMI licence	Current position Active status confirmed by the owner; identity withheld publicly	Buyer check Match entity, company code, licence number, type, conditions and service scope
Item EEA notifications	Current position Coverage of 29 other EEA states reported by the seller	Buyer check Verify each host state, service, delivery mode and current national record
Item CENTROlink	Current position Direct participation and three SEPA schemes reported by the seller	Buyer check Check the official participant list, agreement, BIC and production evidence
Item Customer IBANs	Current position Dedicated customer IBAN capability reported by the seller	Buyer check Review code allocation, account structure, ledger, terms and live samples
Item Safeguarding	Current position Active accounts in Lithuania and Poland reported by the seller	Buyer check Reconcile contracts, account designation, balances, daily controls and clauses
Item Regulatory history	Current position No warnings, legacy issues or incidents reported by the seller	Buyer check Search public measures and review all non-public correspondence and incidents
Item Team continuity	Current position Director, CIO and MLRO reported as prepared to remain	Buyer check Verify approvals, notices, contracts, retention and operating capacity

CENTROlink and IBANs

Connectivity is valuable only when the exact model is documented

CENTROlink is the Bank of Lithuania payment system through which eligible European payment service providers can connect to SEPA services. The current public materials distinguish direct participants from institutions operating through an addressable-BIC model. They also describe access to SEPA Credit Transfer, SEPA Instant Credit Transfer and SEPA Direct Debit Core. Those general system capabilities do not prove which model or schemes this company uses.

Because the seller specifically reports direct participation, the buyer should locate the company in the current official participant list and reconcile the entry to the agreement, BIC, financial institution code and production reports. Scheme-adherence evidence, technical certificates, access permissions, settlement and liquidity mechanics, fraud controls, incident logs and service-provider dependencies should all describe the same operating model.

Customer IBAN capability deserves a separate test. An EMI may maintain payment accounts, and CENTROlink can support customer IBAN arrangements, but the precise allocation and account model matter. The buyer should inspect sample accounts, the core ledger, account terms, reconciliation, customer-funds classification and migration plan. The public offer does not represent that a particular IBAN range or customer relationship will continue unchanged after ownership and management are reviewed.

Safeguarding

Two reported accounts are a starting point, not the safeguarding conclusion

Bank of Lithuania rules permit relevant client funds to be held in a separate account at a Lithuanian credit institution or at a credit institution in another Member State, among the available safeguarding methods. That makes the seller's reported Lithuanian and Polish arrangements plausible in structure. It does not establish that all relevant funds are fully segregated, covered and reconciled on time.

Diligence should identify each safeguarding institution and currency, obtain the executed agreements and account confirmations, and test the contractual designation against current Bank of Lithuania expectations. Daily reconciliation files should trace the safeguarded amount to the customer ledger, bank statements, timing rules, breaks and escalation records. The buyer should also inspect the latest audit findings and prudential reports.

A share sale does not change the account holder, but a new ultimate beneficial owner can trigger refreshed bank due diligence, source-of-funds review, business-model assessment or a contractual termination right. Written positions from both safeguarding institutions should be built into the conditions and fallback plan where uninterrupted access is central to value.

People and local substance

A team that may remain still needs a buyer-side operating plan

The seller identifies a Director, CIO and MLRO and states that the team is willing to stay after acquisition. This can reduce transition risk if the people, responsibilities and capacity match the buyer's model. It is not evidence that every person is approved for every proposed function or that the current staffing design remains sufficient after the strategy, ownership or risk profile changes.

The buyer should map the board and key functions, fit-and-proper history, employment and service contracts, notice periods, remuneration, incentives, conflicts, succession and location of day-to-day decision-making. Interviews should establish who owns safeguarding, AML, compliance, risk, information security, outsourcing and incident response in practice, not only in policies.

Retention terms belong in the transaction documents, while the regulatory submission should explain the intended governance after closing. If any role changes, the required Bank of Lithuania assessment or notification and the handover period must be scheduled before the buyer assumes that the existing team makes the transition automatic.

Transaction mechanics

The licence stays with the company while control is assessed

The proposed deal is a purchase of 100% of the shares in the Lithuanian legal entity. It is not a sale of the licence as a separate asset. A proposed acquisition of a qualifying holding is subject to the Bank of Lithuania notification and assessment framework, and a full-share acquisition crosses the control thresholds addressed by that framework. The sale documents should make the required non-objection and other material approvals conditions to closing.

The buyer file should identify every direct and indirect acquirer, ultimate beneficial owner, source of acquisition funds, ownership chain, reputation and financial capacity, and explain the post-acquisition business and governance plan. The regulator's assessment outcome and timing cannot be assumed from the seller's current standing. Changes in managers or key functions may create additional filing work.

Regulatory completion is only one workstream. Safeguarding banks, CENTROlink arrangements, technology and outsourcing providers, insurers, clients, landlords and staff can each have ownership, management, notice, consent or termination provisions. A robust share purchase agreement separates the corporate closing conditions, operational continuity confirmations, warranties, indemnities, transitional support and the fallback plan for any relationship that is not reconfirmed.

Buyer file

Minimum diligence pack before signing

Corporate and licence evidence
Articles, company extract, cap table, beneficial owners, licence decision, current Bank of Lithuania profile, permissions and conditions.
Cross-border notifications
Host-state schedule for all reported EEA markets, services, delivery mode, agents or branches, dates and current national-register evidence.
Regulatory and compliance history
All supervisory correspondence, inspections, findings, remediation, sanctions searches, complaints, incidents, AML reports and audit files.
CENTROlink and SEPA file
Participant agreement, official-list evidence, BIC, scheme adherence, technical access, liquidity, production reports, incidents and control clauses.
IBAN and technology file
Financial institution code, IBAN model, customer samples, core-ledger rights, architecture, security testing, outsourcing register and exit plans.
Safeguarding evidence
Lithuanian and Polish account agreements, designation, bank confirmations, balances, reconciliations, prudential reports and control-change clauses.
Team and substance file
Board and key-function records, fit-and-proper evidence, contracts, retention terms, capacity, succession, office and actual decision-making.
Transaction documents
Share purchase agreement, regulatory conditions, warranties, indemnities, counterparty consent schedule, handover plan and transitional support.

Verify it yourself

Primary records for the buyer file

Bank of Lithuania financial market participants
Match the legal entity, company code, licence type, services and current status in the national public record on lb.lt.
Bank of Lithuania CENTROlink participant list
Check the current official list and distinguish direct participation from an addressable-BIC arrangement.
EBA payment institutions register
Use the European Banking Authority register as a secondary cross-check, with the Lithuanian national record treated as primary.
Bank of Lithuania supervisory materials
Review public enforcement measures, safeguarding guidance, prudential requirements and qualifying-holding rules current at diligence.

FAQ

Buyer questions about this Lithuanian EMI offer

01 Is the Lithuanian EMI licence active?

The owner confirms that the company holds an active electronic money institution licence. Because the public page is anonymised, a qualified buyer must match the company name, code, licence number, type, permissions, conditions and status in the Bank of Lithuania record under NDA.

02 Does the licence automatically cover all 29 other EEA states?

No. The seller reports cross-border notifications covering the other 29 EEA states, but the buyer must verify every host state, service and delivery mode in the Lithuanian national record and the relevant host-state records. The EMI licence alone does not prove complete coverage.

03 Is the company a direct CENTROlink participant?

The seller says it is. The buyer should verify the current official participant entry, agreement, BIC, enabled SCT, SCT Inst and SDD services, production evidence and change-of-control clauses. Direct participation and addressable-BIC access are different models.

04 Are dedicated customer IBANs included?

The seller reports customer IBAN capability. The issuing and allocation model, financial institution code, live account samples, ledger, customer terms and migration position must be verified before that capability is valued.

05 Will the Lithuanian and Polish safeguarding accounts remain active?

That cannot be assumed. The accounts and safeguarding treatment require documentary and reconciliation testing, and each bank may review incoming ownership, management and the business model. Written bank positions should be considered where continuity is material.

06 Does the management team remain after acquisition?

The seller reports that the Director, CIO and MLRO are prepared to remain. The buyer must confirm each person's role, regulatory position, contract, retention terms, capacity and fit with the post-acquisition governance plan.

07 Does buying the shares avoid Bank of Lithuania review?

No. A 100% acquisition is a change in qualifying ownership and should be structured around the applicable Bank of Lithuania notification and assessment. The licence remains with the company, while the incoming owners, funding and future plan are assessed.

08 What is the asking price?

Price is available on request after buyer qualification and NDA. Value should be assessed only after the licence scope, notifications, CENTROlink, IBAN model, safeguarding, team, financials and regulatory history have been reconciled.

Related guidance

Understand the route before relying on the offer

Lithuanian EMI route

Authorisation, capital, safeguarding, cross-border notifications and acquisition mechanics.

Lithuania EMI in 2026

A deeper view of capital, conduct, substance, CENTROlink and realistic planning.

Buy an EMI or apply fresh

A decision framework for comparing a new authorisation with an existing regulated company.

How change of control works

What regulators assess when ownership of a licensed company changes.

Reviewed by the SKY7 advisory team. Last reviewed: 11 July 2026. This page is general information only, not legal, regulatory, tax, investment or financial advice. The owner confirms an active Lithuanian EMI licence. The entity identity, licence type and scope, cross-border notifications, CENTROlink model, IBAN capability, safeguarding accounts, operating history, regulatory record and team continuity are not disclosed or independently established on this anonymous page and must be verified in buyer diligence.

Check the current Bank of Lithuania records, European Banking Authority register, official CENTROlink list, safeguarding requirements and qualifying-holding rules before relying on them.

Tell us what you need

Request the Lithuanian EMI buyer file

Bring the proposed ownership chain, funding, products, EEA markets and flow of funds. SKY7 will scope the regulatory verification, data-room priorities, qualifying-holding submission, safeguarding and CENTROlink continuity, management handover and transaction conditions. Price is on request.