Lithuania – Full EMI Package: License + Fintech Software Source Code
- Valters Gencs
- Jan 11
- 2 min read
Updated: Feb 11
Deal Structure
All-in package – Regulated Lithuanian Electronic Money Institution (EMI) + advanced Fintech software platform.
Capital Requirement: €600K investor injection + €400K repayment.
Technology: Full rights to next-gen Fintech software – modular banking automation, built for scale.
Price Point: €2M total (with up to €1M flexible in crypto).
Regulated Infrastructure
Lithuanian EMI License (since 201_) – approved by the Central Bank.
Direct SEPA Participation via CentroLink (own BIC).
SWIFT enabled through Lithuanian bank correspondent account.
Established Compliance & AML Team already in place.
Fintech Software Platform
This state-of-the-art financial technology solution is included in the package:
Digital Client Onboarding & Compliance Automation.
SEPA & SWIFT Transactions – managed via a secure multi-channel dashboard.
Virtual IBANs – precise client-level payment identification.
API-First Architecture & Batch Processing – scalable for B2B, B2C, and corporate clients.
Analytics & BI Integration – real-time dashboards, regulatory reporting.
Enterprise-Grade Security – 2FA, role-based access, sanctions screening.
Commercial Highlights
Existing User Base: 55,000+ customers already serviced under the license.
Burn Rate: ~€15K/month (covered under software adaptation budget).
Deployment: €0.5M prepayment for IT license activation + €20K/month adaptation cost.
Migration Timeline: 12 months (after which IT license becomes non-refundable).
Why This Deal Wins
This deal presents several compelling advantages:
One-stop entry: Regulatory rails + Fintech technology stack.
Clean equity structure: Full EMI ownership.
Direct access to SEPA/SWIFT rails – no intermediaries.
Fintech-grade platform supports multi-brand, API-driven expansion.
Aggressive pricing: €2M all-in vs. market benchmarks of €3M+.
Flexible payment: cash + crypto option.
Next Steps
Interested parties are invited to submit expressions of interest for further discussion under NDA.
Contact for Deal Sheets & NDA
Valters Gencs – M&A Advisor
info@gencs.eu
+371 29265441 (WhatsApp / Telegram)
Understanding the Importance of a Full EMI Package
In today's rapidly evolving financial landscape, having a comprehensive Electronic Money Institution (EMI) package is crucial. This package not only provides regulatory compliance but also equips businesses with the necessary technological tools to thrive.
The Role of Regulation in Fintech
Regulation plays a vital role in the fintech sector. It ensures that companies operate within legal frameworks, protecting both the business and its customers. The Lithuanian EMI license is a testament to a company's commitment to compliance and security.
Technological Advancements in Fintech
The fintech software platform included in this package is designed for scalability. It allows businesses to adapt to changing market demands efficiently. With features like API-first architecture and analytics integration, companies can leverage data to drive decision-making.
The Financial Benefits of the EMI Package
Investing in a full EMI package can lead to significant financial advantages. The aggressive pricing model, combined with the existing user base, creates a solid foundation for growth. Companies can expect a return on investment through increased customer acquisition and retention.
Conclusion
The Lithuanian EMI package represents a unique opportunity for businesses looking to expand in the fintech space. With its robust regulatory framework and advanced technological infrastructure, it positions companies for success in a competitive market.
I encourage interested parties to reach out for further discussions. The potential for growth and innovation in this sector is immense, and I am confident that this package can help achieve strategic goals effectively.
