Regulated EMI (Limited Activity License) Available for Acquisition in Lithuania

Regulated EMI (Limited Activity License) Available for Acquisition in Lithuania

A unique opportunity to acquire a fully licensed Electronic Money Institution (EMI) with a Limited Activity License in Lithuania, regulated by the Bank of Lithuania and connected to the SEPA payment network.

This acquisition offers a plug-and-play fintech platform for companies seeking entry into the European payments market without undergoing the lengthy licensing process required for a new license.

Important License Scope

The Limited Activity EMI License allows the institution to provide regulated payment and e-money services only to residents of Lithuania.

Client funds handled by the institution are limited to a maximum of €1 million calculated as a 30-day rolling average.

The license can potentially be upgraded to a full EMI license, which would allow broader operations and expansion across the European Economic Area (EEA), subject to regulatory approval.

Key License Capabilities

The license authorizes the company to provide:

• Cash deposit services into payment accounts

• Cash withdrawal services from payment accounts

• Issuance of electronic money (e-money)

• Issuing payment instruments and payment processing

• International money remittance services

• Payment transactions including:

  • Direct debits (including one-off transactions)

  • Credit transfers (including standing orders)

  • Card-based payment processing

  • Payment account management services

Strategic Advantages

• Direct SEPA access via the Bank of Lithuania infrastructure

• Low-cost SEPA transactions (approximately €0.01 per transaction)

• Fully regulated within the EU financial services framework

• Operational infrastructure and compliance framework in place

• Existing client activity with revenue potential

• Clear pathway for future upgrade to a full EMI license

Ideal Acquisition Profile

This opportunity is particularly suitable for:

• Fintech startups preparing EU market entry

• Investors acquiring regulated fintech infrastructure

• Neobanks and digital wallet providers

• Payment processing platforms

• Companies planning to upgrade to a full EMI license

Transaction Overview

• Indicative Price: €600,000

• Additional Requirement: Replacement of regulatory capital

• Upgrade Option: Buyer to cover approximately €35,000 monthly operational costs during the regulatory approval process for a full EMI license.

Opportunity

This acquisition provides a fast entry point into the regulated European fintech sector, avoiding the typical 12–18 month licensing process, while offering the possibility to upgrade the license and expand services across the EU in the future

Valters Gencs – M&A Advisor📧 info@gencs.eu💬 WhatsApp / Telegram: +371 29265441🌐 vgfintechadvisors.com | fintechadvisors.co.uk