E-monies Institution for sale in Europe
LICENSED EMI FOR SALE
100% Acquisition Opportunity — Baltic Region, EU
Fully Operational. Central-Bank Regulated. Turn-Key.
Executive Summary
A rare opportunity to acquire a fully licensed, fully operational Electronic Money Institution (EMI) established in the Baltics and supervised by the national Central Bank. The company is built on proprietary core banking technology, connected directly to the SEPA rails, operates as a VISA Principal Member, and benefits from a unique omnichannel footprint of 300+ physical retail sales points across the Baltic states.
This is not a shelf license. It is a profitable-structure, growth-ready fintech platform with live customers, live cards, live rails, and a professional management team willing to stay on post-acquisition.
Transaction at a Glance
Jurisdiction
Baltic Region, EU
Structure
100% share sale
Headline Price
€3,500,000
Plus: Share Capital
€1,200,000 (incl. €450,000 cash on account, refundable)
Plus: VISA Principal Deposit
€250,000
Payment
Crypto or wire transfer
Monthly Run Rate
Approx. €45,000 burn
Active Clients
170 active card and account holders (growth-ready base)
Team
7 professionals, including 4 C-level executives — willing to stay
1. License Scope — What You Acquire
A full EMI license issued and supervised by the national Central Bank, authorizing the following regulated activities across the EU via passporting:
•
Issuing of payment instruments — including cards and digital payment credentials.
•
Issuing of electronic money — the core EMI activity.
•
Acquiring of payment transactions — merchant acquiring capability.
•
Cash withdrawal services — from payment accounts held with the institution.
•
Payment account operations — the full operational toolkit required to give end-users access to their payment accounts.
2. Proprietary Technology Stack
•
PuffopOS — in-house core banking software: fully owned IP, no licensing fees, no vendor lock-in.
•
Customer Dashboard: fully functional end-user banking platform.
•
Mobile apps: live on Apple App Store and Google Play, plus a web app.
•
Compliance stack: fully integrated KYC, KYB, and Transaction Monitoring modules via SumSub.
3. Banking & Payment Rails
•
Direct SEPA access via Central bank
•
Operational and segregated accounts.
•
VISA Principal Member: active card issuing rights (a hard-to-obtain credential).
•
Mastercard Affiliate Member: card issuing active.
•
Card processor: Decta.
4. A Unique Differentiator — 300+ Retail Sales Points
In addition to its digital EMI business, the company operates a network of over 300 physical sales points across the Baltic states. These terminals allow end-customers to:
•
Purchase all categories of vouchers (gaming, iTunes, streaming, and more).
•
Pay utility bills and various consumer bills — primarily used by Baltic residents.
This dual online-plus-offline footprint is extraordinarily difficult to replicate and provides both a steady revenue stream and an unmatched customer-acquisition channel for the EMI.
5. Business Model & Risk Profile
The institution targets low-risk retail users and low-risk businesses, using SEPA transfers and card payments. This conservative positioning aligns with regulator expectations, reduces compliance overhead, and creates a clean, scalable operational base for an acquirer.
6. People — A Ready-to-Operate Team
The company employs 7 professionals in total — all open to remaining with the business post-acquisition:
•
CEO
•
COO
•
CCO
•
CTO
•
Internal Auditor
•
2 supporting specialists
No re-staffing or knowledge-transfer risk. Day-one continuity of operations.
7. Financial Snapshot
Item
Amount
Share capital
€1,200,000
Cash on account (refundable to Buyer)
€450,000
VISA principal deposit
€250,000
Monthly operational burn rate
≈ €45,000
Active account/card holders
170
8. Why This Opportunity Is Rare
•
Time to market: EMI licenses in the EU typically take 12–24 months and €1M+ in legal and operational investment to obtain from scratch — with no guarantee of approval.
•
Direct SEPA: a capability most EMIs rent from correspondent banks at significant cost and with dependency risk.
•
VISA Principal Membership: fewer than a handful of Baltic EMIs hold this status.
•
Omnichannel footprint: 300+ physical points of sale cannot be built overnight — the distribution network alone is a defensible moat.
•
Proprietary core banking IP: no recurring vendor fees, full product roadmap control.
•
Clean structure: low-risk retail focus, supervised by a reputable EU regulator.
9. Price & Terms
Headline purchase price (100% of shares)
€3,500,000
Plus: Share capital (incl. €450k refundable cash)
€1,200,000
Plus: VISA principal deposit
€250,000
Payment method
Crypto or Wire
10. Next Step
Qualified parties are invited to request the Confidential Information Memorandum, due diligence pack, and a direct meeting with the CEO. All inquiries are handled under NDA.
CONTACT
Valters Gencs
M&A Advisor | Attorney at Law
WhatsApp / Telegram
+371 29265441
Website (Fintech)
Website (UK)
OFFICE LOCATIONS
LONDON
205 Regent Street, 4th Floor
London W1B 4HB
England
RIGA
Republikas laukums 3-123
Riga, LV 1010
Latvia
VILNIUS
Basanavicus 26
Vilnius, LT 03109
Lithuania
