Fintech licensing across crypto, payments, funds and money services

It depends on what your business does. Crypto-asset services point to MiCA CASP, Switzerland SRO or Canada MSB. Fiat payment accounts and e-money issuance need an EMI or PI licence. Investment fund management needs AIFM. Crowdfunding platforms need ECSP. International remittance fits MSB licences. Our project team can review your business model and recommend the right licence category.

Yes. We frequently combine licences across our coverage area. Common stacks include Canada MSB plus Switzerland SRO for crypto operators, MiCA CASP plus EMI for crypto-fiat platforms, and AIFM plus ECSP for asset managers running crowdfunding alongside funds. Multi-jurisdiction projects are scoped and quoted as a single engagement.

Speed varies by licence and jurisdiction. Canada MSB ready-made entities can go live in 2 weeks. Switzerland SRO membership takes 3 to 4 months. In the EU, crowdfunding (ECSP) takes about 4 to 5 months, AIFM 4 to 6 months, a PI 6 to 9 months, MiCA CASP 6 to 10 months and an EMI 9 to 12 months. Contact us for a timeline tailored to your scope.

Outside the EU, Canada MSB (no minimum regulatory capital) and Switzerland SRO (CHF 20,000 GmbH share capital) both start from €25,000. In the EU, a full crowdfunding (ECSP) application or a Limited AIFM registration starts from €50,000 and a Payment Institution from €60,000. EU passporting needs a fully authorised licence: a Limited AIFM markets through national private placement rules instead.

MiCA CASP (crypto), EMI (e-money), PI (payment services), AIFM (alternative funds) and ECSP (crowdfunding) all carry passporting rights across EU member states from a single national authorisation. Non-EU licences such as Canada MSB or Switzerland SRO do not include EU passporting.

Yes. Our compliance team provides AML/CFT framework maintenance, MLRO and Compliance Officer outsourcing, regulatory reporting and DORA-aligned ICT compliance. Standalone compliance services are available for clients with existing licences. Learn more about our compliance services.

Yes. The licensed entity must be incorporated in an EU member state, but the ultimate beneficial owners can be based anywhere, subject to a fit and proper assessment. We handle the full incorporation, structuring and substance setup across all our covered EU jurisdictions.

Yes, where pre-licensed entities are tradeable. Canada MSB ready-made entities are the most common, supporting a 2-week go-live. EU and Swiss licences typically require fresh applications, but we can incorporate the legal entity in advance to shorten the overall timeline.

Banking introductions are part of our standard delivery for licensed entities, working with regulator-friendly partners across our jurisdictions. ICT infrastructure, DORA-aligned setup, MLRO and Compliance Officer outsourcing are included in our Custom packages or available as standalone services.

That is common in fintech. A crypto exchange with fiat ramps may need MiCA CASP plus EMI. A multi-region remittance operator may combine Canada MSB plus Switzerland SRO. An asset manager may need AIFM plus ECSP. We map the licence stack as part of the initial assessment and deliver it under one project plan.

In the EU we cover MiCA CASP across Latvia, Lithuania, Estonia, Poland, Malta, Cyprus, the Czech Republic and Austria; EMI and PI licences in Latvia, Lithuania, Cyprus and Malta; and AIFM and crowdfunding (ECSP) in Lithuania, Latvia and Estonia. Outside the EU, we cover Switzerland (SRO membership) and Canada (MSB registration). We also support iGaming licensing and corporate services across various European jurisdictions.

Share a brief description of your business model, target markets and intended timeline through the contact form. Our project team will review it and reply with a preliminary licence recommendation, a jurisdiction shortlist and indicative pricing.