{"id":38626,"date":"2026-04-21T16:24:38","date_gmt":"2026-04-21T13:24:38","guid":{"rendered":"https:\/\/www.maxcorp.eu\/eng\/?page_id=38626"},"modified":"2026-04-21T16:29:40","modified_gmt":"2026-04-21T13:29:40","slug":"emi-license","status":"publish","type":"page","link":"https:\/\/www.maxcorp.eu\/eng\/fintech-licensing\/emi-license\/","title":{"rendered":"EMI License: Electronic Money Institution Authorization in Europe"},"content":{"rendered":"<p>[vc_section css=&#8221;.vc_custom_1748200001{padding-top: 0px !important;}&#8221;][vc_row rt_row_background_width=&#8221;fullwidth&#8221; rt_row_content_width=&#8221;default&#8221; rt_row_style=&#8221;default-style&#8221; rt_row_height=&#8221;&#8221; rt_column_gaps=&#8221;&#8221; rt_row_shadows=&#8221;&#8221; rt_row_paddings=&#8221;false&#8221; rt_row_borders=&#8221;&#8221; rt_bg_effect=&#8221;classic&#8221; rt_transparent_bg=&#8221;false&#8221; rt_bg_image_repeat=&#8221;repeat&#8221; rt_bg_size=&#8221;cover&#8221; rt_bg_position=&#8221;right top&#8221; rt_bg_attachment=&#8221;scroll&#8221; rt_bg_layer=&#8221;&#8221; rt_bg_video_format=&#8221;self-hosted&#8221;][vc_column id=&#8221;ab_hero&#8221; rt_col_paddings=&#8221;true&#8221; rt_wrp_col_paddings=&#8221;false&#8221; rt_column_shadow=&#8221;&#8221; rt_border_top=&#8221;&#8221; rt_border_bottom=&#8221;&#8221; rt_border_left=&#8221;&#8221; rt_border_right=&#8221;&#8221; rt_border_top_mobile=&#8221;&#8221; rt_border_bottom_mobile=&#8221;&#8221; rt_border_left_mobile=&#8221;&#8221; rt_border_right_mobile=&#8221;&#8221; rt_bg_image_repeat=&#8221;repeat&#8221; rt_bg_size=&#8221;auto auto&#8221; rt_bg_position=&#8221;right top&#8221; rt_bg_attachment=&#8221;scroll&#8221; css=&#8221;.vc_custom_1748200002{padding-top: 24px !important;padding-right: 30px !important;padding-bottom: 8px !important;padding-left: 30px !important;background-image: url(https:\/\/www.maxcorp.eu\/eng\/wp-content\/uploads\/2024\/12\/bgbtc2.jpg?id=36244) !important;background-position: center !important;background-repeat: no-repeat !important;background-size: cover !important;border-radius: 10px !important;}&#8221; rt_bg_color=&#8221;&#8221; rt_bg_overlay_color=&#8221;rgba(255,255,255,0.55)&#8221;][vc_column_text css=&#8221;.vc_custom_1748200003{margin-bottom: 10px !important;}&#8221;]<\/p>\n<div style=\"color:#444444;font-size:32px;font-weight:700;line-height:1.2;margin-bottom:8px;\">\n<h1 style=\"font-size:inherit;font-weight:inherit;line-height:inherit;color:inherit;margin:0;\">EMI License: E-Money Institution Authorization in Europe<\/h1>\n<\/div>\n<p style=\"color:#333;font-size:17px;font-weight:400;margin-bottom:10px;\">The EU EMI authorization permits your company to issue electronic money, open client payment accounts and provide the full range of PSD2 payment services, with passporting rights across all 30+ EU\/EEA countries from a single NCA authorization.<\/p>\n<div style=\"margin-top:16px;display:flex;flex-wrap:wrap;gap:8px;\"><span style=\"background:rgba(255,255,255,0.9);color:#333;border-radius:20px;padding:5px 14px;font-size:13px;font-weight:500;\">&#10003; In-house legal team<\/span><span style=\"background:rgba(255,255,255,0.9);color:#333;border-radius:20px;padding:5px 14px;font-size:13px;font-weight:500;\">&#10003; AML &amp; ongoing compliance solutions<\/span><span style=\"background:rgba(255,255,255,0.9);color:#333;border-radius:20px;padding:5px 14px;font-size:13px;font-weight:500;\">&#10003; Trusted licensing partner since 1998<\/span><\/div>\n<p>[\/vc_column_text][vc_row_inner rt_row_style=&#8221;global-style&#8221; rt_column_gaps=&#8221;&#8221; rt_row_paddings=&#8221;true&#8221; rt_bg_effect=&#8221;classic&#8221; rt_transparent_bg=&#8221;false&#8221; rt_bg_image_repeat=&#8221;repeat&#8221; rt_bg_size=&#8221;cover&#8221; rt_bg_position=&#8221;right top&#8221; rt_bg_attachment=&#8221;scroll&#8221; rt_bg_layer=&#8221;&#8221; rt_padding_top=&#8221;8&#8243; rt_padding_bottom=&#8221;0&#8243;][vc_column_inner width=&#8221;5\/6&#8243; rt_col_paddings=&#8221;false&#8221; rt_wrp_col_paddings=&#8221;false&#8221; rt_column_shadow=&#8221;&#8221; rt_border_top=&#8221;&#8221; rt_border_bottom=&#8221;&#8221; rt_border_left=&#8221;&#8221; rt_border_right=&#8221;&#8221; rt_border_top_mobile=&#8221;&#8221; rt_border_bottom_mobile=&#8221;&#8221; rt_border_left_mobile=&#8221;&#8221; rt_border_right_mobile=&#8221;&#8221; rt_bg_image_repeat=&#8221;repeat&#8221; rt_bg_size=&#8221;auto auto&#8221; rt_bg_position=&#8221;right top&#8221; rt_bg_attachment=&#8221;scroll&#8221; rt_bg_color=&#8221;&#8221; rt_bg_overlay_color=&#8221;&#8221;][vc_btn title=&#8221;Packages &amp; Pricing &raquo;&#8221; style=&#8221;custom&#8221; custom_background=&#8221;#d0252d&#8221; custom_text=&#8221;#ffffff&#8221; i_icon_fontawesome=&#8221;fas fa-layer-group&#8221; add_icon=&#8221;true&#8221; link=&#8221;url:%23packages&#8221; css=&#8221;.vc_custom_1748200004{padding-right: 10px !important;padding-left: 0px !important;}&#8221;][vc_btn title=&#8221;Get Your Free EMI Assessment &raquo;&#8221; style=&#8221;outline-custom&#8221; outline_custom_color=&#8221;#d0252d&#8221; outline_custom_hover_background=&#8221;#d0252d&#8221; outline_custom_hover_text=&#8221;#ffffff&#8221; i_icon_fontawesome=&#8221;far fa-handshake&#8221; add_icon=&#8221;true&#8221; link=&#8221;url:%23contact&#8221; css=&#8221;.vc_custom_1748200005{border-width: 2px !important;}&#8221;][\/vc_column_inner][\/vc_row_inner][vc_column_text]<\/p>\n<style>@media(max-width:767px){.emi-stats-bar{display:none!important;}}<\/style>\n<div class=\"emi-stats-bar\" style=\"display:flex;flex-wrap:wrap;gap:0;border-top:1px solid #cccccc;text-align:center;\">\n<div style=\"flex:1;min-width:110px;padding:14px 8px 12px;border-right:1px solid #cccccc;\">\n<div style=\"font-size:26px;font-weight:700;color:#d0252d;line-height:1;\">SEPA Instant<\/div>\n<div style=\"font-size:12px;color:#222;margin-top:2px;\">Direct SEPA connectivity<\/div>\n<\/div>\n<div style=\"flex:1;min-width:110px;padding:14px 8px 12px;border-right:1px solid #cccccc;\">\n<div style=\"font-size:26px;font-weight:700;color:#d0252d;line-height:1;\">From 9 months<\/div>\n<div style=\"font-size:12px;color:#222;margin-top:2px;\">Application to authorization<\/div>\n<\/div>\n<div style=\"flex:1;min-width:110px;padding:14px 8px 12px;border-right:1px solid #cccccc;\">\n<div style=\"font-size:26px;font-weight:700;color:#d0252d;line-height:1;\">&euro;350,000<\/div>\n<div style=\"font-size:12px;color:#222;margin-top:2px;\">Minimum initial share capital<\/div>\n<\/div>\n<div style=\"flex:1;min-width:110px;padding:14px 8px 12px;border-right:1px solid #cccccc;\">\n<div style=\"font-size:26px;font-weight:700;color:#d0252d;line-height:1;\">30+<\/div>\n<div style=\"font-size:12px;color:#222;margin-top:2px;\">EU\/EEA passporting countries<\/div>\n<\/div>\n<div style=\"flex:1;min-width:110px;padding:14px 8px 12px;\">\n<div style=\"font-size:26px;font-weight:700;color:#d0252d;line-height:1;\">PSD2 + EMD2<\/div>\n<div style=\"font-size:12px;color:#222;margin-top:2px;\">Regulatory framework<\/div>\n<\/div>\n<\/div>\n<p>[\/vc_column_text][\/vc_column][\/vc_row][\/vc_section]<br \/>\n[vc_row rt_row_background_width=&#8221;fullwidth&#8221; rt_row_content_width=&#8221;default&#8221; rt_row_style=&#8221;default-style&#8221; rt_row_height=&#8221;&#8221; rt_column_gaps=&#8221;&#8221; rt_row_shadows=&#8221;&#8221; rt_row_paddings=&#8221;true&#8221; rt_row_borders=&#8221;bottom&#8221; rt_bg_effect=&#8221;classic&#8221; rt_transparent_bg=&#8221;false&#8221; rt_bg_image_repeat=&#8221;repeat&#8221; rt_bg_size=&#8221;cover&#8221; rt_bg_position=&#8221;right top&#8221; rt_bg_attachment=&#8221;scroll&#8221; rt_bg_layer=&#8221;&#8221; rt_bg_video_format=&#8221;self-hosted&#8221; rt_margin_top=&#8221;0&#8243; rt_padding_top=&#8221;0&#8243;][vc_column width=&#8221;3\/4&#8243; rt_col_paddings=&#8221;true&#8221; rt_wrp_col_paddings=&#8221;false&#8221; rt_column_shadow=&#8221;&#8221; rt_border_top=&#8221;&#8221; rt_border_bottom=&#8221;&#8221; rt_border_left=&#8221;&#8221; rt_border_right=&#8221;&#8221; rt_border_top_mobile=&#8221;&#8221; rt_border_bottom_mobile=&#8221;&#8221; rt_border_left_mobile=&#8221;&#8221; rt_border_right_mobile=&#8221;&#8221; rt_bg_image_repeat=&#8221;repeat&#8221; rt_bg_size=&#8221;auto auto&#8221; rt_bg_position=&#8221;right top&#8221; rt_bg_attachment=&#8221;scroll&#8221; rt_margin_top=&#8221;0&#8243; rt_padding_top=&#8221;0&#8243; rt_bg_color=&#8221;&#8221; rt_bg_overlay_color=&#8221;&#8221;]<div class=\"rt_heading_wrapper style-1\">\n\t\t\t\t\t\t<h2 class=\"rt_heading style-1\"  style=\"margin-top:0px;\">EMI License: What It Covers and Who It Is For<\/h2>\n\t\t\t\t\t<\/div>[vc_column_text]<\/p>\n<p style=\"text-align:justify;margin-bottom:14px;\"><img decoding=\"async\" class=\"alignright\" width=\"110\" height=\"110\" style=\"margin-left:16px;margin-bottom:8px;\" src=\"https:\/\/www.maxcorp.eu\/eng\/wp-content\/uploads\/2018\/07\/crypto-exchange-wallet-license-150x150.png\" alt=\"EMI license registration service - MAXCORP Europe\" \/><strong>An EMI licence authorizes your company to issue electronic money, open IBAN-linked payment accounts and provide the full range of PSD2 payment services, all from a single EU-authorized entity with passporting rights across 30+ countries.<\/strong> Authorized by the national competent authority in your chosen member state, your EMI can serve clients across the entire EU and EEA without per-country licensing.<\/p>\n<div style=\"clear:both;display:grid;grid-template-columns:1fr 1fr;gap:0 24px;margin:24px 0 22px;\">\n<div style=\"display:flex;align-items:flex-start;gap:10px;padding:10px 0;border-bottom:1px solid #f0f0f0;\"><i class=\"fas fa-coins\" style=\"color:#d0252d;font-size:18px;margin-top:2px;flex-shrink:0;\"><\/i><\/p>\n<div>\n<div style=\"font-size:13px;font-weight:700;color:#222;margin-bottom:3px;\">E-money Issuance<\/div>\n<div style=\"font-size:13px;color:#444;line-height:1.5;\">Issue stored-value products, prepaid cards and digital wallets to both consumer and business clients across the EU.<\/div>\n<\/div>\n<\/div>\n<div style=\"display:flex;align-items:flex-start;gap:10px;padding:10px 0;border-bottom:1px solid #f0f0f0;\"><i class=\"fas fa-university\" style=\"color:#d0252d;font-size:18px;margin-top:2px;flex-shrink:0;\"><\/i><\/p>\n<div>\n<div style=\"font-size:13px;font-weight:700;color:#222;margin-bottom:3px;\">Payment Accounts<\/div>\n<div style=\"font-size:13px;color:#444;line-height:1.5;\">Open and maintain dedicated IBAN-linked payment accounts for both retail consumers and business clients.<\/div>\n<\/div>\n<\/div>\n<div style=\"display:flex;align-items:flex-start;gap:10px;padding:10px 0;border-bottom:1px solid #f0f0f0;\"><i class=\"fas fa-exchange-alt\" style=\"color:#d0252d;font-size:18px;margin-top:2px;flex-shrink:0;\"><\/i><\/p>\n<div>\n<div style=\"font-size:13px;font-weight:700;color:#222;margin-bottom:3px;\">SEPA Access<\/div>\n<div style=\"font-size:13px;color:#444;line-height:1.5;\">Full TARGET2, SCT, SEPA Instant and SDD connectivity, plus dedicated IBAN issuance for individual and business accounts.<\/div>\n<\/div>\n<\/div>\n<div style=\"display:flex;align-items:flex-start;gap:10px;padding:10px 0;border-bottom:1px solid #f0f0f0;\"><i class=\"fas fa-globe\" style=\"color:#d0252d;font-size:18px;margin-top:2px;flex-shrink:0;\"><\/i><\/p>\n<div>\n<div style=\"font-size:13px;font-weight:700;color:#222;margin-bottom:3px;\">EU Passporting<\/div>\n<div style=\"font-size:13px;color:#444;line-height:1.5;\">Serve clients across 30+ EU\/EEA countries from a single NCA authorization, with no per-country applications required.<\/div>\n<\/div>\n<\/div>\n<div style=\"display:flex;align-items:flex-start;gap:10px;padding:10px 0;border-bottom:1px solid #f0f0f0;\"><i class=\"fas fa-shield-alt\" style=\"color:#d0252d;font-size:18px;margin-top:2px;flex-shrink:0;\"><\/i><\/p>\n<div>\n<div style=\"font-size:13px;font-weight:700;color:#222;margin-bottom:3px;\">AML\/CFT Framework<\/div>\n<div style=\"font-size:13px;color:#444;line-height:1.5;\">Mandatory client fund safeguarding, KYC onboarding and real-time transaction monitoring built into your licence.<\/div>\n<\/div>\n<\/div>\n<div style=\"display:flex;align-items:flex-start;gap:10px;padding:10px 0;border-bottom:1px solid #f0f0f0;\"><i class=\"fas fa-credit-card\" style=\"color:#d0252d;font-size:18px;margin-top:2px;flex-shrink:0;\"><\/i><\/p>\n<div>\n<div style=\"font-size:13px;font-weight:700;color:#222;margin-bottom:3px;\">Card Scheme Access<\/div>\n<div style=\"font-size:13px;color:#444;line-height:1.5;\">Eligible to apply for Mastercard and VISA principal membership, enabling direct card issuing and acquiring capabilities.<\/div>\n<\/div>\n<\/div>\n<\/div>\n<p style=\"text-align:justify;\"><strong>The EMI licence gives your company the regulatory foundation to issue digital wallets, open client payment accounts, process SEPA transfers and passport all of those services across the entire EU from a single authorization.<\/strong> It is built on two EU payment directives (the Electronic Money Directive and the Payment Services Directive) that set uniform rules across all member states, which is why EMI authorization in one country is accepted and recognized across the full EU and EEA.<\/p>\n<p>[\/vc_column_text][\/vc_column][vc_column width=&#8221;1\/4&#8243; rt_col_paddings=&#8221;true&#8221; rt_wrp_col_paddings=&#8221;false&#8221; rt_column_shadow=&#8221;&#8221; rt_border_top=&#8221;&#8221; rt_border_bottom=&#8221;&#8221; rt_border_left=&#8221;&#8221; rt_border_right=&#8221;&#8221; rt_border_top_mobile=&#8221;&#8221; rt_border_bottom_mobile=&#8221;&#8221; rt_border_left_mobile=&#8221;&#8221; rt_border_right_mobile=&#8221;&#8221; rt_bg_image_repeat=&#8221;repeat&#8221; rt_bg_size=&#8221;auto auto&#8221; rt_bg_position=&#8221;right top&#8221; rt_bg_attachment=&#8221;scroll&#8221; rt_bg_color=&#8221;&#8221; rt_bg_overlay_color=&#8221;&#8221;][vc_column_text]<\/p>\n<style>\n.emi-btn-pkg{flex:1;background:#d0252d;color:#ffffff!important;text-align:center;padding:10px 6px;border-radius:4px;font-size:12px;font-weight:700;text-decoration:none;display:flex;align-items:center;justify-content:center;gap:5px;letter-spacing:0.02em;transition:background 0.2s;}\n.emi-btn-pkg:hover{background:#a81e24!important;color:#ffffff!important;}\n.emi-btn-contact{flex:1;background:#ffffff;color:#d0252d!important;text-align:center;padding:10px 6px;border-radius:4px;font-size:12px;font-weight:700;text-decoration:none;display:flex;align-items:center;justify-content:center;gap:5px;border:1.5px solid #d0252d;letter-spacing:0.02em;transition:background 0.2s,color 0.2s;}\n.emi-btn-contact:hover{background:#d0252d!important;color:#ffffff!important;}\n<\/style>\n<div style=\"margin-top:20px;border-radius:8px;overflow:hidden;box-shadow:0 2px 16px rgba(0,0,0,0.10);\">\n<div style=\"background:#eeeeee;padding:11px 18px 10px;display:flex;align-items:center;gap:12px;border-bottom:3px solid #d0252d;\"><i class=\"fas fa-info-circle\" style=\"color:#d0252d;font-size:26px;flex-shrink:0;\"><\/i><\/p>\n<div>\n<div style=\"font-size:10px;font-weight:700;color:#d0252d;letter-spacing:0.12em;text-transform:uppercase;margin-bottom:3px;\">At a glance<\/div>\n<div style=\"font-size:15px;font-weight:700;color:#222;line-height:1.3;\">EU EMI License<\/div>\n<\/div>\n<\/div>\n<div style=\"background:#fafafa;\">\n<div style=\"padding:9px 18px;border-bottom:1px solid #eeeeee;display:flex;align-items:flex-start;gap:12px;\"><i class=\"fas fa-coins\" style=\"color:#d0252d;font-size:13px;margin-top:3px;flex-shrink:0;\"><\/i><\/p>\n<div>\n<div style=\"font-size:10px;color:#666;text-transform:uppercase;letter-spacing:0.08em;margin-bottom:2px;\">Services covered<\/div>\n<div style=\"font-size:13px;color:#222;font-weight:600;line-height:1.4;\">E-money issuance + payment services<\/div>\n<\/div>\n<\/div>\n<div style=\"padding:9px 18px;border-bottom:1px solid #eeeeee;display:flex;align-items:flex-start;gap:12px;\"><i class=\"fas fa-globe\" style=\"color:#d0252d;font-size:13px;margin-top:3px;flex-shrink:0;\"><\/i><\/p>\n<div>\n<div style=\"font-size:10px;color:#666;text-transform:uppercase;letter-spacing:0.08em;margin-bottom:4px;\">Our jurisdictions<\/div>\n<div style=\"display:grid;grid-template-columns:1fr auto 1fr auto 1fr auto 1fr;align-items:start;font-size:10px;color:#333;line-height:1.2;row-gap:5px;\"><span style=\"text-align:center;\"><span style=\"font-size:18px;\">&#127474;&#127481;<\/span><br \/>Malta<\/span><span style=\"color:#ddd;padding:0 2px;align-self:end;\">|<\/span><span style=\"text-align:center;\"><span style=\"font-size:18px;\">&#127464;&#127486;<\/span><br \/>Cyprus<\/span><span style=\"color:#ddd;padding:0 2px;align-self:end;\">|<\/span><span style=\"text-align:center;\"><span style=\"font-size:18px;\">&#127473;&#127481;<\/span><br \/>Lithuania<\/span><span style=\"color:#ddd;padding:0 2px;align-self:end;\">|<\/span><span style=\"text-align:center;\"><span style=\"font-size:18px;\">&#127473;&#127483;<\/span><br \/>Latvia<\/span><\/div>\n<\/div>\n<\/div>\n<div style=\"padding:9px 18px;border-bottom:1px solid #eeeeee;display:flex;align-items:flex-start;gap:12px;\"><i class=\"fas fa-globe\" style=\"color:#d0252d;font-size:13px;margin-top:3px;flex-shrink:0;\"><\/i><\/p>\n<div>\n<div style=\"font-size:10px;color:#666;text-transform:uppercase;letter-spacing:0.08em;margin-bottom:2px;\">Passporting<\/div>\n<div style=\"font-size:13px;color:#222;font-weight:600;line-height:1.4;\">30+ EU\/EEA countries<\/div>\n<\/div>\n<\/div>\n<div style=\"padding:9px 18px;border-bottom:1px solid #eeeeee;display:flex;align-items:flex-start;gap:12px;\"><i class=\"fas fa-clock\" style=\"color:#d0252d;font-size:13px;margin-top:3px;flex-shrink:0;\"><\/i><\/p>\n<div>\n<div style=\"font-size:10px;color:#666;text-transform:uppercase;letter-spacing:0.08em;margin-bottom:2px;\">Timeline<\/div>\n<div style=\"font-size:13px;color:#222;font-weight:600;line-height:1.4;\">From 9 months<\/div>\n<\/div>\n<\/div>\n<div style=\"padding:9px 18px;border-bottom:1px solid #eeeeee;display:flex;align-items:flex-start;gap:12px;\"><i class=\"fas fa-tag\" style=\"color:#d0252d;font-size:13px;margin-top:3px;flex-shrink:0;\"><\/i><\/p>\n<div>\n<div style=\"font-size:10px;color:#666;text-transform:uppercase;letter-spacing:0.08em;margin-bottom:2px;\">Pricing<\/div>\n<div style=\"font-size:13px;color:#222;font-weight:600;line-height:1.4;\">From &euro;80,000<\/div>\n<\/div>\n<\/div>\n<div style=\"padding:9px 18px;border-bottom:1px solid #eeeeee;display:flex;align-items:flex-start;gap:12px;\"><i class=\"fas fa-user-tie\" style=\"color:#d0252d;font-size:13px;margin-top:3px;flex-shrink:0;\"><\/i><\/p>\n<div>\n<div style=\"font-size:10px;color:#666;text-transform:uppercase;letter-spacing:0.08em;margin-bottom:2px;\">Requirement<\/div>\n<div style=\"font-size:13px;color:#222;font-weight:600;line-height:1.4;\">Local substance required<\/div>\n<\/div>\n<\/div>\n<div style=\"padding:14px 18px;background:#f4f4f4;display:flex;gap:8px;\"><a href=\"#packages\" class=\"emi-btn-pkg\"><i class=\"fas fa-layer-group\" style=\"font-size:11px;\"><\/i> Packages &raquo;<\/a><a href=\"#contact\" class=\"emi-btn-contact\"><i class=\"far fa-envelope\" style=\"font-size:11px;\"><\/i> Contact &raquo;<\/a><\/div>\n<\/div>\n<\/div>\n<p>[\/vc_column_text][\/vc_column][\/vc_row]<\/p>\n<p>[vc_row rt_row_background_width=&#8221;fullwidth&#8221; rt_row_content_width=&#8221;default&#8221; rt_row_style=&#8221;default-style&#8221; rt_row_height=&#8221;&#8221; rt_column_gaps=&#8221;&#8221; rt_row_shadows=&#8221;&#8221; rt_row_paddings=&#8221;true&#8221; rt_row_borders=&#8221;&#8221; rt_bg_effect=&#8221;classic&#8221; rt_transparent_bg=&#8221;false&#8221; rt_bg_image_repeat=&#8221;repeat&#8221; rt_bg_size=&#8221;cover&#8221; rt_bg_position=&#8221;right top&#8221; rt_bg_attachment=&#8221;scroll&#8221; rt_bg_layer=&#8221;&#8221; rt_bg_video_format=&#8221;self-hosted&#8221; rt_padding_top=&#8221;25&#8243; rt_padding_bottom=&#8221;10&#8243;][vc_column rt_col_paddings=&#8221;true&#8221; rt_wrp_col_paddings=&#8221;false&#8221; rt_column_shadow=&#8221;&#8221; rt_border_top=&#8221;&#8221; rt_border_bottom=&#8221;&#8221; rt_border_left=&#8221;&#8221; rt_border_right=&#8221;&#8221; rt_border_top_mobile=&#8221;&#8221; rt_border_bottom_mobile=&#8221;&#8221; rt_border_left_mobile=&#8221;&#8221; rt_border_right_mobile=&#8221;&#8221; rt_bg_image_repeat=&#8221;repeat&#8221; rt_bg_size=&#8221;auto auto&#8221; rt_bg_position=&#8221;right top&#8221; rt_bg_attachment=&#8221;scroll&#8221; rt_bg_color=&#8221;&#8221; rt_bg_overlay_color=&#8221;&#8221;]<div class=\"rt_heading_wrapper style-1\">\n\t\t\t\t\t\t<h2 class=\"rt_heading style-1\"  style=\"margin-top:0px;\">Is an EMI License Right for Your Business?<\/h2>\n\t\t\t\t\t<\/div>[vc_column_text]<\/p>\n<p style=\"text-align:justify;margin-bottom:14px;\"><strong>The EMI licence is the right authorization if your business needs to issue electronic money, manage client payment accounts or build EU-wide payment infrastructure.<\/strong> Below are the four business types most commonly served by an EMI. If your model combines crypto-asset services with fiat payments, a separate MiCA CASP authorization may also be required alongside the EMI licence.<\/p>\n<div style=\"display:grid;grid-template-columns:repeat(auto-fit,minmax(220px,1fr));gap:14px;\">\n<div style=\"background:#f9f9f9;border:1px solid #e0e0e0;border-radius:8px;padding:20px 18px;\">\n<div style=\"display:flex;align-items:center;gap:8px;margin-bottom:10px;\"><i class=\"fas fa-wallet\" style=\"color:#d0252d;font-size:18px;\"><\/i><span style=\"font-size:14px;font-weight:700;color:#222;\">E-money Issuer \/ Prepaid Cards<\/span><span style=\"margin-left:auto;background:#fff3f3;color:#c0392b;border:1px solid #f5c0c0;border-radius:12px;font-size:10px;font-weight:700;padding:2px 8px;white-space:nowrap;\">EMI required<\/span><\/div>\n<div style=\"font-size:13px;color:#222;line-height:1.7;\"><strong>You need:<\/strong> Authorization to issue stored-value products, prepaid cards and digital wallets to EU consumers or businesses.<br \/><strong>EMI gives you:<\/strong> E-money issuance rights, IBAN-linked accounts, Mastercard\/VISA scheme eligibility and EU-wide passporting from one licence.<\/div>\n<\/div>\n<div style=\"background:#f9f9f9;border:1px solid #e0e0e0;border-radius:8px;padding:20px 18px;\">\n<div style=\"display:flex;align-items:center;gap:8px;margin-bottom:10px;\"><i class=\"fas fa-money-bill-wave\" style=\"color:#d0252d;font-size:18px;\"><\/i><span style=\"font-size:14px;font-weight:700;color:#222;\">Payment Platform \/ B2B Treasury<\/span><span style=\"margin-left:auto;background:#fff3f3;color:#c0392b;border:1px solid #f5c0c0;border-radius:12px;font-size:10px;font-weight:700;padding:2px 8px;white-space:nowrap;\">EMI required<\/span><\/div>\n<div style=\"font-size:13px;color:#222;line-height:1.7;\"><strong>You need:<\/strong> Authorization to hold client funds, execute SEPA transfers and operate compliant payment infrastructure for business clients.<br \/><strong>EMI gives you:<\/strong> Full PSD2 payment services, safeguarding framework, SEPA connectivity and passporting to serve EU business clients at scale.<\/div>\n<\/div>\n<div style=\"background:#f9f9f9;border:1px solid #e0e0e0;border-radius:8px;padding:20px 18px;\">\n<div style=\"display:flex;align-items:center;gap:8px;margin-bottom:10px;\"><i class=\"fas fa-mobile-alt\" style=\"color:#d0252d;font-size:18px;\"><\/i><span style=\"font-size:14px;font-weight:700;color:#222;\">Neobank \/ Challenger Bank<\/span><span style=\"margin-left:auto;background:#fff3f3;color:#c0392b;border:1px solid #f5c0c0;border-radius:12px;font-size:10px;font-weight:700;padding:2px 8px;white-space:nowrap;\">EMI required<\/span><\/div>\n<div style=\"font-size:13px;color:#222;line-height:1.7;\"><strong>You need:<\/strong> A regulated entity to offer current accounts, payment transfers and card services without requiring a full credit institution licence.<br \/><strong>EMI gives you:<\/strong> A near-bank solution with IBAN issuance, payment account management, card issuing and EU-wide reach from a single authorization.<\/div>\n<\/div>\n<div style=\"background:#f9f9f9;border:1px solid #e0e0e0;border-radius:8px;padding:20px 18px;\">\n<div style=\"display:flex;align-items:center;gap:8px;margin-bottom:10px;\"><i class=\"fas fa-coins\" style=\"color:#d0252d;font-size:18px;\"><\/i><span style=\"font-size:14px;font-weight:700;color:#222;\">Crypto Platform &#8211; Fiat Gateway<\/span><span style=\"margin-left:auto;background:#fff3f3;color:#c0392b;border:1px solid #f5c0c0;border-radius:12px;font-size:10px;font-weight:700;padding:2px 8px;white-space:nowrap;\">EMI required<\/span><\/div>\n<div style=\"font-size:13px;color:#222;line-height:1.7;\"><strong>You need:<\/strong> Regulated fiat infrastructure to power on\/off ramps, client IBAN accounts and card issuance alongside crypto-asset operations.<br \/><strong>EMI gives you:<\/strong> The regulated fiat layer for your crypto business, including payment accounts, SEPA transfers and card issuing capabilities.<\/div>\n<\/div>\n<\/div>\n<p>[\/vc_column_text][\/vc_column][\/vc_row]<\/p>\n<p>[vc_row rt_row_background_width=&#8221;fullwidth&#8221; rt_row_content_width=&#8221;default&#8221; rt_row_style=&#8221;default-style&#8221; rt_row_height=&#8221;&#8221; rt_column_gaps=&#8221;&#8221; rt_row_shadows=&#8221;&#8221; rt_row_paddings=&#8221;true&#8221; rt_row_borders=&#8221;bottom&#8221; rt_bg_effect=&#8221;classic&#8221; rt_transparent_bg=&#8221;false&#8221; rt_bg_image_repeat=&#8221;repeat&#8221; rt_bg_size=&#8221;cover&#8221; rt_bg_position=&#8221;right top&#8221; rt_bg_attachment=&#8221;scroll&#8221; rt_bg_layer=&#8221;&#8221; rt_bg_video_format=&#8221;self-hosted&#8221; rt_padding_top=&#8221;10&#8243;][vc_column rt_col_paddings=&#8221;true&#8221; rt_wrp_col_paddings=&#8221;false&#8221; rt_column_shadow=&#8221;&#8221; rt_border_top=&#8221;&#8221; rt_border_bottom=&#8221;&#8221; rt_border_left=&#8221;&#8221; rt_border_right=&#8221;&#8221; rt_border_top_mobile=&#8221;&#8221; rt_border_bottom_mobile=&#8221;&#8221; rt_border_left_mobile=&#8221;&#8221; rt_border_right_mobile=&#8221;&#8221; rt_bg_image_repeat=&#8221;repeat&#8221; rt_bg_size=&#8221;auto auto&#8221; rt_bg_position=&#8221;right top&#8221; rt_bg_attachment=&#8221;scroll&#8221; rt_bg_color=&#8221;&#8221; rt_bg_overlay_color=&#8221;&#8221;][vc_column_text]<\/p>\n<p style=\"text-align:justify;\"><strong>Companies that need an EMI licence share one common requirement: they must hold client money in a regulated environment and move it across borders compliantly.<\/strong> A Canada MSB or a Swiss SRO can cover crypto-to-fiat exchange without e-money issuance rights, and an EU MiCA CASP licence covers crypto-asset services but not fiat payment accounts. As soon as your business needs to open individual client payment accounts, issue IBANs, operate a prepaid card programme or offer balances redeemable at par, the EMI licence is the only EU framework that covers all of those activities in a single authorization. Our legal opinion assesses your business model to confirm which licence category applies and which jurisdiction offers the most favourable regulatory and tax position for your specific structure.\n<\/p>\n<p>[\/vc_column_text][\/vc_column][\/vc_row]<br \/>\n[vc_row rt_row_background_width=&#8221;fullwidth&#8221; rt_row_content_width=&#8221;default&#8221; rt_row_style=&#8221;default-style&#8221; rt_row_height=&#8221;&#8221; rt_column_gaps=&#8221;&#8221; rt_row_shadows=&#8221;&#8221; rt_row_paddings=&#8221;true&#8221; rt_row_borders=&#8221;bottom&#8221; rt_bg_effect=&#8221;classic&#8221; rt_transparent_bg=&#8221;false&#8221; rt_bg_image_repeat=&#8221;repeat&#8221; rt_bg_size=&#8221;cover&#8221; rt_bg_position=&#8221;right top&#8221; rt_bg_attachment=&#8221;scroll&#8221; rt_bg_layer=&#8221;&#8221; rt_bg_video_format=&#8221;self-hosted&#8221; rt_padding_top=&#8221;0&#8243;][vc_column rt_col_paddings=&#8221;true&#8221; rt_wrp_col_paddings=&#8221;false&#8221; rt_column_shadow=&#8221;&#8221; rt_border_top=&#8221;&#8221; rt_border_bottom=&#8221;&#8221; rt_border_left=&#8221;&#8221; rt_border_right=&#8221;&#8221; rt_border_top_mobile=&#8221;&#8221; rt_border_bottom_mobile=&#8221;&#8221; rt_border_left_mobile=&#8221;&#8221; rt_border_right_mobile=&#8221;&#8221; rt_bg_image_repeat=&#8221;repeat&#8221; rt_bg_size=&#8221;auto auto&#8221; rt_bg_position=&#8221;right top&#8221; rt_bg_attachment=&#8221;scroll&#8221; rt_bg_color=&#8221;&#8221; rt_bg_overlay_color=&#8221;&#8221;]<div class=\"rt_heading_wrapper style-1\">\n\t\t\t\t\t\t<h2 class=\"rt_heading style-1\"  style=\"margin-top:0px;\">EMI vs Payment Institution: Which Licence Do You Need?<\/h2>\n\t\t\t\t\t<\/div>[vc_column_text]<\/p>\n<p style=\"margin-bottom:20px;text-align:justify;\"><strong>The single most important difference between an EMI and a Payment Institution is that only an EMI can issue electronic money: stored value held in a client wallet or account that belongs to the client until they spend or redeem it.<\/strong> A PI executes payments on behalf of clients but cannot create or hold e-money balances. In practice this means a PI cannot operate a prepaid card programme, a consumer e-wallet or a multicurrency account where the client holds a balance. Both carry full EU passporting rights and safeguarding obligations, so the choice comes down to whether your model requires e-money issuance or payment execution only.<\/p>\n<table style=\"width:100%;border-collapse:collapse;font-size:13px;\">\n<thead>\n<tr>\n<th style=\"background:#f0f0f0;padding:10px 12px;text-align:left;border:1px solid #ddd;font-weight:700;color:#222;width:55%;\">Feature<\/th>\n<th style=\"background:#d0252d;color:#fff;padding:10px 12px;text-align:center;border:1px solid #c02028;font-weight:700;width:22.5%;\">EMI<\/th>\n<th style=\"background:#f0f0f0;padding:10px 12px;text-align:center;border:1px solid #ddd;font-weight:700;color:#222;width:22.5%;\">PI<\/th>\n<\/tr>\n<\/thead>\n<tbody>\n<tr>\n<td style=\"padding:9px 12px;border:1px solid #eee;color:#333;font-weight:600;\">Issue electronic money (e-wallets, prepaid cards, stored value)<\/td>\n<td style=\"padding:9px 12px;border:1px solid #eee;text-align:center;color:#1a7a4a;font-weight:600;\">&#10003; Yes<\/td>\n<td style=\"padding:9px 12px;border:1px solid #eee;text-align:center;color:#c0392b;font-weight:600;\">&#10007; No<\/td>\n<\/tr>\n<tr style=\"background:#fafafa;\">\n<td style=\"padding:9px 12px;border:1px solid #eee;color:#333;\">Hold client balances as e-money indefinitely<\/td>\n<td style=\"padding:9px 12px;border:1px solid #eee;text-align:center;color:#1a7a4a;font-weight:600;\">&#10003; Yes<\/td>\n<td style=\"padding:9px 12px;border:1px solid #eee;text-align:center;color:#c0392b;\">&#10007; No \u2014 payment execution only<\/td>\n<\/tr>\n<tr>\n<td style=\"padding:9px 12px;border:1px solid #eee;color:#333;\">Open and maintain IBAN-linked payment accounts<\/td>\n<td style=\"padding:9px 12px;border:1px solid #eee;text-align:center;color:#1a7a4a;font-weight:600;\">&#10003; Yes<\/td>\n<td style=\"padding:9px 12px;border:1px solid #eee;text-align:center;color:#1a7a4a;font-weight:600;\">&#10003; Yes<\/td>\n<\/tr>\n<tr style=\"background:#fafafa;\">\n<td style=\"padding:9px 12px;border:1px solid #eee;color:#333;\">All 8 PSD2 payment service categories<\/td>\n<td style=\"padding:9px 12px;border:1px solid #eee;text-align:center;color:#1a7a4a;font-weight:600;\">&#10003; Yes<\/td>\n<td style=\"padding:9px 12px;border:1px solid #eee;text-align:center;color:#1a7a4a;font-weight:600;\">&#10003; Yes<\/td>\n<\/tr>\n<tr>\n<td style=\"padding:9px 12px;border:1px solid #eee;color:#333;\">SEPA payments, direct debit and credit transfers<\/td>\n<td style=\"padding:9px 12px;border:1px solid #eee;text-align:center;color:#1a7a4a;font-weight:600;\">&#10003; Yes<\/td>\n<td style=\"padding:9px 12px;border:1px solid #eee;text-align:center;color:#1a7a4a;font-weight:600;\">&#10003; Yes<\/td>\n<\/tr>\n<tr style=\"background:#fafafa;\">\n<td style=\"padding:9px 12px;border:1px solid #eee;color:#333;\">Mastercard \/ VISA card scheme eligibility<\/td>\n<td style=\"padding:9px 12px;border:1px solid #eee;text-align:center;color:#1a7a4a;font-weight:600;\">&#10003; Yes<\/td>\n<td style=\"padding:9px 12px;border:1px solid #eee;text-align:center;color:#1a7a4a;font-weight:600;\">&#10003; Yes<\/td>\n<\/tr>\n<tr>\n<td style=\"padding:9px 12px;border:1px solid #eee;color:#333;\">Client fund safeguarding obligation<\/td>\n<td style=\"padding:9px 12px;border:1px solid #eee;text-align:center;color:#333;\">Mandatory (EMD2)<\/td>\n<td style=\"padding:9px 12px;border:1px solid #eee;text-align:center;color:#333;\">Mandatory (PSD2)<\/td>\n<\/tr>\n<tr style=\"background:#fafafa;\">\n<td style=\"padding:9px 12px;border:1px solid #eee;color:#333;\">EU\/EEA passporting rights<\/td>\n<td style=\"padding:9px 12px;border:1px solid #eee;text-align:center;color:#1a7a4a;font-weight:600;\">&#10003; 30+ countries<\/td>\n<td style=\"padding:9px 12px;border:1px solid #eee;text-align:center;color:#1a7a4a;font-weight:600;\">&#10003; 30+ countries<\/td>\n<\/tr>\n<tr>\n<td style=\"padding:9px 12px;border:1px solid #eee;color:#333;\">Minimum initial capital<\/td>\n<td style=\"padding:9px 12px;border:1px solid #eee;text-align:center;font-weight:600;color:#333;\">&euro;350,000<\/td>\n<td style=\"padding:9px 12px;border:1px solid #eee;text-align:center;font-weight:600;color:#333;\">&euro;125,000<\/td>\n<\/tr>\n<tr style=\"background:#fafafa;\">\n<td style=\"padding:9px 12px;border:1px solid #eee;color:#333;\">Typical authorization timeline<\/td>\n<td style=\"padding:9px 12px;border:1px solid #eee;text-align:center;color:#333;\">9-12 months<\/td>\n<td style=\"padding:9px 12px;border:1px solid #eee;text-align:center;color:#333;\">6-12 months<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<p style=\"font-size:12px;color:#444;margin-top:16px;font-style:italic;\">Note: both licences are governed by EU directives implemented uniformly across all member states. Capital figures are the regulatory minimums; actual requirements may be higher based on business volume. <a href=\"#contact\" style=\"color:#444;\">Contact us<\/a> to confirm which licence applies to your model.<\/p>\n<p>[\/vc_column_text][\/vc_column][\/vc_row]<br \/>\n[vc_row rt_row_background_width=&#8221;fullwidth&#8221; rt_row_content_width=&#8221;default&#8221; rt_row_style=&#8221;default-style&#8221; rt_row_height=&#8221;&#8221; rt_column_gaps=&#8221;&#8221; rt_row_shadows=&#8221;&#8221; rt_row_paddings=&#8221;true&#8221; rt_row_borders=&#8221;bottom&#8221; rt_bg_effect=&#8221;classic&#8221; rt_transparent_bg=&#8221;false&#8221; rt_bg_image_repeat=&#8221;repeat&#8221; rt_bg_size=&#8221;cover&#8221; rt_bg_position=&#8221;right top&#8221; rt_bg_attachment=&#8221;scroll&#8221; rt_bg_layer=&#8221;&#8221; rt_bg_video_format=&#8221;self-hosted&#8221; rt_padding_top=&#8221;0&#8243; css=&#8221;.vc_custom_1748200006{background-color:#f9f9f9 !important;}&#8221;][vc_column rt_col_paddings=&#8221;true&#8221; rt_wrp_col_paddings=&#8221;false&#8221; rt_column_shadow=&#8221;&#8221; rt_border_top=&#8221;&#8221; rt_border_bottom=&#8221;&#8221; rt_border_left=&#8221;&#8221; rt_border_right=&#8221;&#8221; rt_border_top_mobile=&#8221;&#8221; rt_border_bottom_mobile=&#8221;&#8221; rt_border_left_mobile=&#8221;&#8221; rt_border_right_mobile=&#8221;&#8221; rt_bg_image_repeat=&#8221;repeat&#8221; rt_bg_size=&#8221;auto auto&#8221; rt_bg_position=&#8221;right top&#8221; rt_bg_attachment=&#8221;scroll&#8221; rt_bg_color=&#8221;&#8221; rt_bg_overlay_color=&#8221;&#8221;]<div class=\"rt_heading_wrapper style-1\">\n\t\t\t\t\t\t<h2 class=\"rt_heading style-1\"  style=\"margin-top:0px;\">4 EU Jurisdictions for EMI Authorization<\/h2>\n\t\t\t\t\t<\/div>[vc_column_text]<\/p>\n<p style=\"text-align:justify;margin-bottom:16px;\"><strong>MAXCORP covers the four leading EU member states for EMI authorization, each offering full PSD2\/EMD2 licensing, EU passporting rights and direct SEPA network connectivity.<\/strong> The optimal choice depends on your target markets, corporate tax strategy, substance requirements and time to market. Our Gold readiness audit includes a formal jurisdiction recommendation based on your specific model and objectives.<\/p>\n<div style=\"display:grid;grid-template-columns:1fr 1fr;gap:14px;\">\n<div style=\"background:#fff;border:1px solid #e0e0e0;border-top:3px solid #d0252d;border-radius:8px;padding:16px 18px;\">\n<div style=\"display:flex;align-items:center;justify-content:center;gap:10px;margin-bottom:14px;padding-bottom:12px;border-bottom:1px solid #f0f0f0;\"><span style=\"font-size:30px;line-height:1;flex-shrink:0;\">&#127474;&#127481;<\/span><\/p>\n<div>\n<div style=\"font-size:19px;font-weight:700;color:#222;line-height:1.2;\">Malta <span style=\"font-size:12px;font-weight:400;color:#999;\">(MFSA)<\/span><\/div>\n<\/div>\n<\/div>\n<div style=\"font-size:13px;color:#444;line-height:1.6;text-align:center;\">\n<div style=\"padding:5px 0;border-bottom:1px solid #f0f0f0;\"><i class=\"fas fa-check\" style=\"color:#1a7a4a;font-size:11px;margin-right:6px;\"><\/i> Full English process with the MFSA<\/div>\n<div style=\"padding:5px 0;border-bottom:1px solid #f0f0f0;\"><i class=\"fas fa-check\" style=\"color:#1a7a4a;font-size:11px;margin-right:6px;\"><\/i> Effective corporate tax rate as low as 5%<\/div>\n<div style=\"padding:5px 0;border-bottom:1px solid #f0f0f0;\"><i class=\"fas fa-check\" style=\"color:#1a7a4a;font-size:11px;margin-right:6px;\"><\/i> SEPA via Central Bank of Malta and CentroLink<\/div>\n<div style=\"padding:5px 0;\"><i class=\"fas fa-check\" style=\"color:#1a7a4a;font-size:11px;margin-right:6px;\"><\/i> Established EU fintech hub, member since 2004<\/div>\n<\/div>\n<div style=\"margin-top:10px;padding-top:8px;border-top:1px solid #f0f0f0;text-align:center;\"><a href=\"#contact\" style=\"font-size:12px;font-weight:700;color:#d0252d;text-decoration:none;\">Enquire about Malta &raquo;<\/a><\/div>\n<\/div>\n<div style=\"background:#fff;border:1px solid #e0e0e0;border-top:3px solid #d0252d;border-radius:8px;padding:16px 18px;\">\n<div style=\"display:flex;align-items:center;justify-content:center;gap:10px;margin-bottom:14px;padding-bottom:12px;border-bottom:1px solid #f0f0f0;\"><span style=\"font-size:30px;line-height:1;flex-shrink:0;\">&#127464;&#127486;<\/span><\/p>\n<div>\n<div style=\"font-size:19px;font-weight:700;color:#222;line-height:1.2;\">Cyprus <span style=\"font-size:12px;font-weight:400;color:#999;\">(CBC)<\/span><\/div>\n<\/div>\n<\/div>\n<div style=\"font-size:13px;color:#444;line-height:1.6;text-align:center;\">\n<div style=\"padding:5px 0;border-bottom:1px solid #f0f0f0;\"><i class=\"fas fa-check\" style=\"color:#1a7a4a;font-size:11px;margin-right:6px;\"><\/i> English as a working and legal language<\/div>\n<div style=\"padding:5px 0;border-bottom:1px solid #f0f0f0;\"><i class=\"fas fa-check\" style=\"color:#1a7a4a;font-size:11px;margin-right:6px;\"><\/i> 12.5% corporate tax rate<\/div>\n<div style=\"padding:5px 0;border-bottom:1px solid #f0f0f0;\"><i class=\"fas fa-check\" style=\"color:#1a7a4a;font-size:11px;margin-right:6px;\"><\/i> Full SEPA access as EU member state<\/div>\n<div style=\"padding:5px 0;\"><i class=\"fas fa-check\" style=\"color:#1a7a4a;font-size:11px;margin-right:6px;\"><\/i> Strategic Eastern Mediterranean location<\/div>\n<\/div>\n<div style=\"margin-top:10px;padding-top:8px;border-top:1px solid #f0f0f0;text-align:center;\"><a href=\"#contact\" style=\"font-size:12px;font-weight:700;color:#d0252d;text-decoration:none;\">Enquire about Cyprus &raquo;<\/a><\/div>\n<\/div>\n<div style=\"background:#fff;border:1px solid #e0e0e0;border-top:3px solid #d0252d;border-radius:8px;padding:16px 18px;\">\n<div style=\"display:flex;align-items:center;justify-content:center;gap:10px;margin-bottom:14px;padding-bottom:12px;border-bottom:1px solid #f0f0f0;\"><span style=\"font-size:30px;line-height:1;flex-shrink:0;\">&#127473;&#127481;<\/span><\/p>\n<div>\n<div style=\"font-size:19px;font-weight:700;color:#222;line-height:1.2;\">Lithuania <span style=\"font-size:12px;font-weight:400;color:#999;\">(Bank of Lithuania)<\/span><\/div>\n<\/div>\n<\/div>\n<div style=\"font-size:13px;color:#444;line-height:1.6;text-align:center;\">\n<div style=\"padding:5px 0;border-bottom:1px solid #f0f0f0;\"><i class=\"fas fa-check\" style=\"color:#1a7a4a;font-size:11px;margin-right:6px;\"><\/i> Most EMI licences per capita in the EU<\/div>\n<div style=\"padding:5px 0;border-bottom:1px solid #f0f0f0;\"><i class=\"fas fa-check\" style=\"color:#1a7a4a;font-size:11px;margin-right:6px;\"><\/i> Fast-track licensing with clear NCA guidance<\/div>\n<div style=\"padding:5px 0;border-bottom:1px solid #f0f0f0;\"><i class=\"fas fa-check\" style=\"color:#1a7a4a;font-size:11px;margin-right:6px;\"><\/i> CentroLink SEPA system operated by the regulator<\/div>\n<div style=\"padding:5px 0;\"><i class=\"fas fa-check\" style=\"color:#1a7a4a;font-size:11px;margin-right:6px;\"><\/i> SEPA Instant and direct ECB payment connectivity<\/div>\n<\/div>\n<div style=\"margin-top:10px;padding-top:8px;border-top:1px solid #f0f0f0;text-align:center;\"><a href=\"#contact\" style=\"font-size:12px;font-weight:700;color:#d0252d;text-decoration:none;\">Enquire about Lithuania &raquo;<\/a><\/div>\n<\/div>\n<div style=\"background:#fff;border:1px solid #e0e0e0;border-top:3px solid #d0252d;border-radius:8px;padding:16px 18px;\">\n<div style=\"display:flex;align-items:center;justify-content:center;gap:10px;margin-bottom:14px;padding-bottom:12px;border-bottom:1px solid #f0f0f0;\"><span style=\"font-size:30px;line-height:1;flex-shrink:0;\">&#127473;&#127483;<\/span><\/p>\n<div>\n<div style=\"font-size:19px;font-weight:700;color:#222;line-height:1.2;\">Latvia <span style=\"font-size:12px;font-weight:400;color:#999;\">(Latvijas Banka)<\/span><\/div>\n<\/div>\n<\/div>\n<div style=\"font-size:13px;color:#444;line-height:1.6;text-align:center;\">\n<div style=\"padding:5px 0;border-bottom:1px solid #f0f0f0;\"><i class=\"fas fa-check\" style=\"color:#1a7a4a;font-size:11px;margin-right:6px;\"><\/i> Transparent and business-friendly NCA process<\/div>\n<div style=\"padding:5px 0;border-bottom:1px solid #f0f0f0;\"><i class=\"fas fa-check\" style=\"color:#1a7a4a;font-size:11px;margin-right:6px;\"><\/i> 0% tax on undistributed corporate profits<\/div>\n<div style=\"padding:5px 0;border-bottom:1px solid #f0f0f0;\"><i class=\"fas fa-check\" style=\"color:#1a7a4a;font-size:11px;margin-right:6px;\"><\/i> EKS SEPA system with SEPA Instant connectivity<\/div>\n<div style=\"padding:5px 0;\"><i class=\"fas fa-check\" style=\"color:#1a7a4a;font-size:11px;margin-right:6px;\"><\/i> Full TARGET2, SDD and SCT SEPA rail access<\/div>\n<\/div>\n<div style=\"margin-top:10px;padding-top:8px;border-top:1px solid #f0f0f0;text-align:center;\"><a href=\"#contact\" style=\"font-size:12px;font-weight:700;color:#d0252d;text-decoration:none;\">Enquire about Latvia &raquo;<\/a><\/div>\n<\/div>\n<\/div>\n<p style=\"font-size:12px;color:#444;margin-top:10px;font-style:italic;\">Jurisdiction selection is included in the Gold readiness audit. We assess your business model, tax objectives and substance capacity before making a formal recommendation.<br \/><a href=\"#contact\" style=\"color:#444;\">Contact us for a free initial consultation.<\/a><\/p>\n<p>[\/vc_column_text][\/vc_column][\/vc_row]<\/p>\n<p>[vc_row id=&#8221;packages&#8221; rt_row_background_width=&#8221;fullwidth&#8221; rt_row_content_width=&#8221;default&#8221; rt_row_style=&#8221;default-style&#8221; rt_row_height=&#8221;&#8221; rt_column_gaps=&#8221;&#8221; rt_row_shadows=&#8221;&#8221; rt_row_paddings=&#8221;true&#8221; rt_row_borders=&#8221;bottom&#8221; rt_bg_effect=&#8221;classic&#8221; rt_transparent_bg=&#8221;false&#8221; rt_bg_image_repeat=&#8221;repeat&#8221; rt_bg_size=&#8221;cover&#8221; rt_bg_position=&#8221;right top&#8221; rt_bg_attachment=&#8221;scroll&#8221; rt_bg_layer=&#8221;&#8221; rt_bg_video_format=&#8221;self-hosted&#8221; rt_padding_top=&#8221;30&#8243; rt_padding_bottom=&#8221;30&#8243;][vc_column rt_col_paddings=&#8221;true&#8221; rt_wrp_col_paddings=&#8221;false&#8221; rt_column_shadow=&#8221;&#8221; rt_border_top=&#8221;&#8221; rt_border_bottom=&#8221;&#8221; rt_border_left=&#8221;&#8221; rt_border_right=&#8221;&#8221; rt_border_top_mobile=&#8221;&#8221; rt_border_bottom_mobile=&#8221;&#8221; rt_border_left_mobile=&#8221;&#8221; rt_border_right_mobile=&#8221;&#8221; rt_bg_image_repeat=&#8221;repeat&#8221; rt_bg_size=&#8221;auto auto&#8221; rt_bg_position=&#8221;right top&#8221; rt_bg_attachment=&#8221;scroll&#8221; rt_bg_color=&#8221;&#8221; rt_bg_overlay_color=&#8221;&#8221;]<div class=\"rt_heading_wrapper style-1\">\n\t\t\t\t\t\t<h2 class=\"rt_heading style-1\"  style=\"margin-top:0px;\">EMI Licensing Packages<\/h2>\n\t\t\t\t\t<\/div>[vc_column_text]<\/p>\n<p style=\"text-align:justify;margin-bottom:14px;\"><strong>We offer three service tiers to match different stages of readiness and project scope.<\/strong> The Gold readiness audit is a standalone assessment for companies evaluating jurisdictions and costing out their EMI project. Platinum covers the full licensing cycle from legal documentation through NCA authorization. Custom adds operational team building and local substance setup for companies that need a fully operational EMI from day one.<\/p>\n<div style=\"display:grid;grid-template-columns:repeat(3,1fr);gap:16px;margin-top:12px;\">\n<div style=\"background:#fff;border:1px solid #e0e0e0;border-radius:8px;overflow:hidden;\">\n<div style=\"background:#f5f5f5;padding:18px 20px;border-bottom:2px solid #d0252d;\">\n<div style=\"font-size:11px;font-weight:700;color:#d0252d;letter-spacing:0.1em;text-transform:uppercase;margin-bottom:2px;\">Gold<\/div>\n<div style=\"font-size:18px;font-weight:700;color:#222;padding-bottom:6px;border-bottom:1px solid #ddd;margin-bottom:6px;\">EMI Legal Opinion<\/div>\n<div style=\"font-size:15px;font-weight:700;color:#d0252d;margin-bottom:8px;\">&euro;10,000 fixed fee<\/div>\n<div style=\"font-size:12px;color:#444;line-height:1.5;\">A written legal opinion on your business model against EMI requirements, covering jurisdiction recommendation, regulatory gap analysis and a project roadmap with cost estimate.<\/div>\n<\/div>\n<div style=\"padding:16px 20px;font-size:13px;color:#222;line-height:1.7;\">\n<div style=\"padding:6px 0;border-bottom:1px solid #f0f0f0;\"><i class=\"fas fa-check\" style=\"color:#1a7a4a;font-size:11px;margin-right:6px;\"><\/i> Written EMI legal opinion<\/div>\n<div style=\"padding:6px 0;border-bottom:1px solid #f0f0f0;\"><i class=\"fas fa-check\" style=\"color:#1a7a4a;font-size:11px;margin-right:6px;\"><\/i> Jurisdiction recommendation<\/div>\n<div style=\"padding:6px 0;border-bottom:1px solid #f0f0f0;\"><i class=\"fas fa-check\" style=\"color:#1a7a4a;font-size:11px;margin-right:6px;\"><\/i> Regulatory compliance gap analysis<\/div>\n<div style=\"padding:6px 0;border-bottom:1px solid #f0f0f0;\"><i class=\"fas fa-check\" style=\"color:#1a7a4a;font-size:11px;margin-right:6px;\"><\/i> Substance and capital roadmap<\/div>\n<div style=\"padding:6px 0;border-bottom:1px solid #f0f0f0;\"><i class=\"fas fa-check\" style=\"color:#1a7a4a;font-size:11px;margin-right:6px;\"><\/i> Business model review<\/div>\n<div style=\"padding:6px 0;\"><i class=\"fas fa-check\" style=\"color:#1a7a4a;font-size:11px;margin-right:6px;\"><\/i> Timeline and total cost estimate<\/div>\n<\/div>\n<div style=\"padding:0 20px 20px;\"><a href=\"#contact\" class=\"emi-btn-contact\" style=\"display:flex;padding:10px;font-size:13px;border-radius:4px;\"><i class=\"far fa-envelope\" style=\"font-size:12px;\"><\/i>&nbsp;Enquire Now &raquo;<\/a><\/div>\n<\/div>\n<div style=\"background:#fff;border:2px solid #d0252d;border-radius:8px;overflow:hidden;box-shadow:0 2px 12px rgba(208,37,45,0.10);\">\n<div style=\"background:#ececec;padding:18px 20px;border-bottom:2px solid #d0252d;\">\n<div style=\"font-size:11px;font-weight:700;color:#d0252d;letter-spacing:0.1em;text-transform:uppercase;margin-bottom:4px;\">Platinum<\/div>\n<div style=\"font-size:18px;font-weight:700;color:#222;padding-bottom:6px;border-bottom:1px solid #d5d5d5;margin-bottom:6px;\">EMI License Application<\/div>\n<div style=\"font-size:15px;font-weight:700;color:#d0252d;margin-bottom:8px;\">From &euro;80,000<\/div>\n<div style=\"font-size:12px;color:#444;line-height:1.5;\">Full licensing cycle from regulatory documentation through NCA submission and authorization. Includes all policy drafting, application management and post-approval compliance framework setup.<\/div>\n<\/div>\n<div style=\"padding:16px 20px;font-size:13px;color:#222;line-height:1.7;\">\n<div style=\"padding:6px 0;border-bottom:1px solid #f0f0f0;\"><i class=\"fas fa-check\" style=\"color:#1a7a4a;font-size:11px;margin-right:6px;\"><\/i> Everything in Gold package<\/div>\n<div style=\"padding:6px 0;border-bottom:1px solid #f0f0f0;\"><i class=\"fas fa-check\" style=\"color:#1a7a4a;font-size:11px;margin-right:6px;\"><\/i> Full legal documentation package<\/div>\n<div style=\"padding:6px 0;border-bottom:1px solid #f0f0f0;\"><i class=\"fas fa-check\" style=\"color:#1a7a4a;font-size:11px;margin-right:6px;\"><\/i> AML\/CFT and governance policies<\/div>\n<div style=\"padding:6px 0;border-bottom:1px solid #f0f0f0;\"><i class=\"fas fa-check\" style=\"color:#1a7a4a;font-size:11px;margin-right:6px;\"><\/i> NCA application and regulatory liaison<\/div>\n<div style=\"padding:6px 0;border-bottom:1px solid #f0f0f0;\"><i class=\"fas fa-check\" style=\"color:#1a7a4a;font-size:11px;margin-right:6px;\"><\/i> Safeguarding framework setup<\/div>\n<div style=\"padding:6px 0;\"><i class=\"fas fa-check\" style=\"color:#1a7a4a;font-size:11px;margin-right:6px;\"><\/i> Post-authorization compliance setup<\/div>\n<\/div>\n<div style=\"padding:0 20px 20px;\"><a href=\"#contact\" class=\"emi-btn-pkg\" style=\"display:flex;padding:10px;font-size:13px;border-radius:4px;\"><i class=\"fas fa-arrow-right\" style=\"font-size:12px;\"><\/i>&nbsp;Start Application &raquo;<\/a><\/div>\n<\/div>\n<div style=\"background:#fff;border:1px solid #e0e0e0;border-radius:8px;overflow:hidden;\">\n<div style=\"background:#f5f5f5;padding:18px 20px;border-bottom:2px solid #d0252d;\">\n<div style=\"font-size:11px;font-weight:700;color:#d0252d;letter-spacing:0.1em;text-transform:uppercase;margin-bottom:2px;\">Custom<\/div>\n<div style=\"font-size:18px;font-weight:700;color:#222;padding-bottom:6px;border-bottom:1px solid #ddd;margin-bottom:6px;\">License + Team Building<\/div>\n<div style=\"font-size:15px;font-weight:700;color:#d0252d;margin-bottom:8px;\">From &euro;150,000<\/div>\n<div style=\"font-size:12px;color:#444;line-height:1.5;\">Everything in Platinum plus full operational setup. We source and hire your local compliance team, establish office substance, arrange banking and provide ongoing AML outsourcing and team management.<\/div>\n<\/div>\n<div style=\"padding:16px 20px;font-size:13px;color:#222;line-height:1.7;\">\n<div style=\"padding:6px 0;border-bottom:1px solid #f0f0f0;\"><i class=\"fas fa-check\" style=\"color:#1a7a4a;font-size:11px;margin-right:6px;\"><\/i> Everything in Platinum package<\/div>\n<div style=\"padding:6px 0;border-bottom:1px solid #f0f0f0;\"><i class=\"fas fa-check\" style=\"color:#1a7a4a;font-size:11px;margin-right:6px;\"><\/i> CO\/MLRO\/CRO sourcing and onboarding<\/div>\n<div style=\"padding:6px 0;border-bottom:1px solid #f0f0f0;\"><i class=\"fas fa-check\" style=\"color:#1a7a4a;font-size:11px;margin-right:6px;\"><\/i> Local office setup and substance<\/div>\n<div style=\"padding:6px 0;border-bottom:1px solid #f0f0f0;\"><i class=\"fas fa-check\" style=\"color:#1a7a4a;font-size:11px;margin-right:6px;\"><\/i> Banking introductions (safeguarding + operational)<\/div>\n<div style=\"padding:6px 0;border-bottom:1px solid #f0f0f0;\"><i class=\"fas fa-check\" style=\"color:#1a7a4a;font-size:11px;margin-right:6px;\"><\/i> Mastercard\/VISA card scheme introductions<\/div>\n<div style=\"padding:6px 0;\"><i class=\"fas fa-check\" style=\"color:#1a7a4a;font-size:11px;margin-right:6px;\"><\/i> Ongoing compliance team management<\/div>\n<\/div>\n<div style=\"padding:0 20px 20px;\"><a href=\"#contact\" class=\"emi-btn-contact\" style=\"display:flex;padding:10px;font-size:13px;border-radius:4px;\"><i class=\"far fa-envelope\" style=\"font-size:12px;\"><\/i>&nbsp;Enquire Now &raquo;<\/a><\/div>\n<\/div>\n<\/div>\n<p style=\"font-size:12px;color:#444;margin-top:10px;font-style:italic;\">Note: Platinum and Custom pricing depends on jurisdiction and scope. Pricing shown is indicative. Company formation, share capital injection and annual NCA supervisory fees are separate. <a href=\"#contact\" style=\"color:#444;\">Contact us<\/a> for a detailed proposal.<\/p>\n<p>[\/vc_column_text][\/vc_column][\/vc_row]<\/p>\n<p>[vc_row rt_row_background_width=&#8221;fullwidth&#8221; rt_row_content_width=&#8221;default&#8221; rt_row_style=&#8221;default-style&#8221; rt_row_height=&#8221;&#8221; rt_column_gaps=&#8221;&#8221; rt_row_shadows=&#8221;&#8221; rt_row_paddings=&#8221;true&#8221; rt_row_borders=&#8221;&#8221; rt_bg_effect=&#8221;classic&#8221; rt_transparent_bg=&#8221;false&#8221; rt_bg_image_repeat=&#8221;repeat&#8221; rt_bg_size=&#8221;cover&#8221; rt_bg_position=&#8221;right top&#8221; rt_bg_attachment=&#8221;scroll&#8221; rt_bg_layer=&#8221;&#8221; rt_bg_video_format=&#8221;self-hosted&#8221; rt_bg_image=&#8221;36245&#8243;][vc_column rt_col_paddings=&#8221;true&#8221; rt_wrp_col_paddings=&#8221;false&#8221; rt_column_shadow=&#8221;&#8221; rt_border_top=&#8221;&#8221; rt_border_bottom=&#8221;&#8221; rt_border_left=&#8221;&#8221; rt_border_right=&#8221;true&#8221; rt_border_top_mobile=&#8221;&#8221; rt_border_bottom_mobile=&#8221;&#8221; rt_border_left_mobile=&#8221;&#8221; rt_border_right_mobile=&#8221;&#8221; rt_bg_image_repeat=&#8221;repeat&#8221; rt_bg_size=&#8221;auto auto&#8221; rt_bg_position=&#8221;right top&#8221; rt_bg_attachment=&#8221;scroll&#8221; rt_bg_color=&#8221;&#8221; rt_bg_overlay_color=&#8221;&#8221;]<div class=\"rt_heading_wrapper style-7\">\n\t\t\t\t\t\t<h2 class=\"rt_heading style-7 aligncenter\"  style=\"margin-top:0px;\"><span class=\"icon-ava-arrow7 heading_icon\"><\/span>EMI Authorization: Phase-by-Phase Timeline<\/h2>\n\t\t\t\t\t<\/div>[\/vc_column][\/vc_row]<br \/>\n[vc_row rt_row_background_width=&#8221;fullwidth&#8221; rt_row_content_width=&#8221;default&#8221; rt_row_style=&#8221;default-style&#8221; rt_row_height=&#8221;&#8221; rt_column_gaps=&#8221;&#8221; rt_row_shadows=&#8221;&#8221; rt_row_paddings=&#8221;true&#8221; rt_row_borders=&#8221;&#8221; rt_bg_effect=&#8221;classic&#8221; rt_transparent_bg=&#8221;false&#8221; rt_bg_image_repeat=&#8221;repeat&#8221; rt_bg_size=&#8221;cover&#8221; rt_bg_position=&#8221;right top&#8221; rt_bg_attachment=&#8221;scroll&#8221; rt_bg_layer=&#8221;&#8221; rt_bg_video_format=&#8221;self-hosted&#8221; rt_padding_top=&#8221;0&#8243; rt_padding_bottom=&#8221;0&#8243;][vc_column rt_col_paddings=&#8221;true&#8221; rt_wrp_col_paddings=&#8221;false&#8221; rt_column_shadow=&#8221;&#8221; rt_border_top=&#8221;&#8221; rt_border_bottom=&#8221;&#8221; rt_border_left=&#8221;&#8221; rt_border_right=&#8221;true&#8221; rt_bg_image_repeat=&#8221;repeat&#8221; rt_bg_size=&#8221;auto auto&#8221; rt_bg_position=&#8221;right top&#8221; rt_bg_attachment=&#8221;scroll&#8221; rt_bg_color=&#8221;&#8221; rt_bg_overlay_color=&#8221;&#8221;]<div class=\"rt_heading_wrapper style-1\">\n\t\t\t\t\t\t<h2 class=\"rt_heading style-1\"  style=\"margin-top:0px;\">What to Expect: EMI Authorization from Start to Go-Live<\/h2>\n\t\t\t\t\t<\/div>[\/vc_column][\/vc_row][vc_row rt_row_background_width=&#8221;fullwidth&#8221; rt_row_content_width=&#8221;default&#8221; rt_row_style=&#8221;default-style&#8221; rt_row_height=&#8221;&#8221; rt_column_gaps=&#8221;&#8221; rt_row_shadows=&#8221;&#8221; rt_row_paddings=&#8221;true&#8221; rt_row_borders=&#8221;&#8221; rt_bg_effect=&#8221;classic&#8221; rt_transparent_bg=&#8221;false&#8221; rt_bg_image_repeat=&#8221;repeat&#8221; rt_bg_size=&#8221;cover&#8221; rt_bg_position=&#8221;right top&#8221; rt_bg_attachment=&#8221;scroll&#8221; rt_bg_layer=&#8221;&#8221; rt_bg_video_format=&#8221;self-hosted&#8221; rt_padding_top=&#8221;10&#8243; rt_padding_bottom=&#8221;0&#8243;][vc_column rt_col_paddings=&#8221;true&#8221; rt_wrp_col_paddings=&#8221;false&#8221; rt_column_shadow=&#8221;&#8221; rt_border_top=&#8221;&#8221; rt_border_bottom=&#8221;&#8221; rt_border_left=&#8221;&#8221; rt_border_right=&#8221;&#8221; rt_border_top_mobile=&#8221;&#8221; rt_border_bottom_mobile=&#8221;&#8221; rt_border_left_mobile=&#8221;&#8221; rt_border_right_mobile=&#8221;&#8221; rt_bg_image_repeat=&#8221;repeat&#8221; rt_bg_size=&#8221;auto auto&#8221; rt_bg_position=&#8221;right top&#8221; rt_bg_attachment=&#8221;scroll&#8221; rt_bg_color=&#8221;&#8221; rt_bg_overlay_color=&#8221;&#8221;][vc_column_text]<\/p>\n<style>\n.emi-ph-hdr{border-left:3px solid #d0252d;padding-left:10px;margin-bottom:10px;}\n.emi-ph-hdr h4{font-size:14px;font-weight:700;color:#222;margin:0 0 3px;line-height:1.3;}\n.emi-ph-hdr p{font-size:12px;color:#666;line-height:1.4;margin:0;}\n.emi-ph-box{background:#f5f5f5;border:1px solid #e5e5e5;border-radius:6px;padding:10px 12px;font-size:12px;color:#444;line-height:1.55;margin-bottom:12px;min-height:88px;}\n.emi-ph-num{font-size:62px;font-weight:700;color:#1a2a4a;line-height:1;text-align:center;letter-spacing:-2px;}\n.emi-ph-num-red{font-size:62px;font-weight:700;color:#d0252d;line-height:1;text-align:center;letter-spacing:-2px;}\n.emi-ph-unit{font-size:12px;color:#555;text-align:center;margin:2px 0 8px;}\n.emi-ph-arrow{text-align:center;font-size:18px;color:#d0252d;margin-bottom:6px;}\n.emi-ph-bar{position:relative;height:4px;background:#e0e0e0;border-radius:2px;margin:0 0 12px;}\n.emi-ph-bar-fill{position:absolute;left:0;top:0;height:4px;background:#d0252d;border-radius:2px;}\n.emi-ph-dot{position:absolute;top:-5px;width:14px;height:14px;background:#d0252d;border-radius:50%;margin-left:-7px;}\n.emi-ph-note{border:1.5px dashed #ccc;border-radius:6px;padding:9px 11px;font-size:11.5px;color:#555;line-height:1.55;margin-bottom:10px;min-height:80px;}\n.emi-ph-note strong{color:#222;}\n.emi-ph-card{background:#fff;border:1px solid #e0e0e0;border-top:3px solid #d0252d;border-radius:6px;padding:11px 12px;}\n.emi-ph-card-ttl{font-size:13px;font-weight:700;color:#222;margin-bottom:4px;display:flex;align-items:center;gap:6px;}\n.emi-ph-card-sub{font-size:11.5px;color:#555;line-height:1.5;margin:0 0 7px;}\n.emi-ph-card ul{margin:0;padding-left:15px;}\n.emi-ph-card ul li{font-size:11.5px;color:#444;line-height:1.6;margin-bottom:2px;}\n<\/style>\n<p style=\"text-align:justify;margin-bottom:24px;\"><strong>The EMI authorization process follows a structured regulatory sequence common across all EU member states, though exact timelines vary by NCA and application complexity.<\/strong> Well-prepared applications with complete documentation consistently progress faster than those requiring multiple rounds of supplementary information requests from the NCA. In practice, the end-to-end journey from initial engagement through to NCA authorization and SEPA go-live takes 9-12 months for most applicants. The single biggest driver of delays is documentation quality: NCAs pause the formal review clock each time they issue a supplementary information request, which can extend the process by weeks or months. A thorough preparation phase, a pre-submission meeting with the NCA and a complete, internally consistent application pack are the most effective ways to protect your timeline. MAXCORP manages each of these stages, from the initial legal opinion through to post-authorization compliance setup.<\/p>\n<div style=\"background:#fff;border:1px solid #ddd;border-radius:8px;padding:22px 0 22px 0;overflow:hidden;\">\n<div style=\"display:flex;align-items:stretch;\">\n<div style=\"flex:1;padding:0 18px 0 22px;border-right:1px solid #e5e5e5;\">\n<div class=\"emi-ph-hdr\">\n<h4>1. Legal Opinion &amp; Preparation<\/h4>\n<p>Assess your model, select jurisdiction and plan the full documentation package.<\/p>\n<\/div>\n<div class=\"emi-ph-box\">Business model structuring, jurisdiction selection, AML\/CFT framework design and substance planning. Capital structure confirmed and company formation initiated.<\/div>\n<div class=\"emi-ph-num\">~8<\/div>\n<div class=\"emi-ph-unit\">weeks<\/div>\n<div class=\"emi-ph-arrow\">&#8594;<\/div>\n<div class=\"emi-ph-bar\">\n<div class=\"emi-ph-bar-fill\" style=\"width:22%;\"><\/div>\n<div class=\"emi-ph-dot\" style=\"left:22%;\"><\/div>\n<\/div>\n<div class=\"emi-ph-note\"><strong>Practical note:<\/strong> Quality of preparation directly determines NCA review speed. Well-structured files receive fewer queries and progress significantly faster through the formal assessment.<\/div>\n<div class=\"emi-ph-card\">\n<div class=\"emi-ph-card-ttl\"><i class=\"fas fa-clipboard-list\" style=\"color:#d0252d;font-size:12px;\"><\/i> What to prepare<\/div>\n<p class=\"emi-ph-card-sub\">Build the regulatory and corporate structure before submission.<\/p>\n<ul>\n<li>Jurisdiction selection and scope mapping<\/li>\n<li>Capital planning and own funds structure<\/li>\n<li>AML\/CFT policies and governance framework<\/li>\n<li>Safeguarding and banking arrangements<\/li>\n<\/ul>\n<\/div>\n<\/div>\n<div style=\"flex:1;padding:0 18px;border-right:1px solid #e5e5e5;\">\n<div class=\"emi-ph-hdr\">\n<h4>2. Application Build &amp; Pre-Meeting<\/h4>\n<p>Prepare the full documentation package and present it to the NCA.<\/p>\n<\/div>\n<div class=\"emi-ph-box\">Drafting business plan, AML\/CFT programme, governance policies, MLRO appointment and safeguarding arrangements. Initial NCA meeting requested and held.<\/div>\n<div class=\"emi-ph-num\">~10<\/div>\n<div class=\"emi-ph-unit\">weeks<\/div>\n<div class=\"emi-ph-arrow\">&#8594;<\/div>\n<div class=\"emi-ph-bar\">\n<div class=\"emi-ph-bar-fill\" style=\"width:46%;\"><\/div>\n<div class=\"emi-ph-dot\" style=\"left:46%;\"><\/div>\n<\/div>\n<div class=\"emi-ph-note\"><strong>Legal timeline:<\/strong> In Malta, the MFSA pre-application meeting takes 5-10 weeks after engagement. Lithuania encourages pre-submission consultation before the formal 3-month NCA review clock starts.<\/div>\n<div class=\"emi-ph-card\">\n<div class=\"emi-ph-card-ttl\"><i class=\"fas fa-file-alt\" style=\"color:#d0252d;font-size:12px;\"><\/i> What must be complete<\/div>\n<p class=\"emi-ph-card-sub\">A coherent application prevents NCA queries and delays.<\/p>\n<ul>\n<li>Ownership, UBO and fit-and-proper packs<\/li>\n<li>Business plan with financial projections<\/li>\n<li>AML\/CFT and transaction monitoring policies<\/li>\n<li>ICT security and outsourcing arrangements<\/li>\n<\/ul>\n<\/div>\n<\/div>\n<div style=\"flex:1;padding:0 18px;border-right:1px solid #e5e5e5;\">\n<div class=\"emi-ph-hdr\">\n<h4>3. NCA Review &amp; Authorization<\/h4>\n<p>The NCA formally assesses the application. Queries pause the review clock.<\/p>\n<\/div>\n<div class=\"emi-ph-box\">NCA assesses governance, AML\/CFT programme, management fitness, capital adequacy, safeguarding structure and operational readiness. Queries are responded to promptly.<\/div>\n<div class=\"emi-ph-num\">~3-6<\/div>\n<div class=\"emi-ph-unit\">months<\/div>\n<div class=\"emi-ph-arrow\">&#8594;<\/div>\n<div class=\"emi-ph-bar\">\n<div class=\"emi-ph-bar-fill\" style=\"width:72%;\"><\/div>\n<div class=\"emi-ph-dot\" style=\"left:72%;\"><\/div>\n<\/div>\n<div class=\"emi-ph-note\"><strong>Legal timeline:<\/strong> Under EMD2, NCAs must decide within 3 months of a complete application. The clock is paused during supplementary information requests, so total review often runs longer in practice.<\/div>\n<div class=\"emi-ph-card\">\n<div class=\"emi-ph-card-ttl\"><i class=\"fas fa-search\" style=\"color:#d0252d;font-size:12px;\"><\/i> What is assessed<\/div>\n<p class=\"emi-ph-card-sub\">The NCA tests whether your EMI can operate compliantly.<\/p>\n<ul>\n<li>AML\/CFT framework and KYC procedures<\/li>\n<li>Governance structure and management fitness<\/li>\n<li>Safeguarding and client fund protection<\/li>\n<li>ICT security and business continuity<\/li>\n<\/ul>\n<\/div>\n<\/div>\n<div style=\"flex:1;padding:0 22px 0 18px;\">\n<div class=\"emi-ph-hdr\">\n<h4>4. Authorization &amp; EU Passporting<\/h4>\n<p>Authorization granted. SEPA activated, passporting filed, operations commence.<\/p>\n<\/div>\n<div class=\"emi-ph-box\">Finalize SEPA connectivity, activate safeguarding account, file passporting notifications to target EU\/EEA states and launch compliant operations with ongoing AML reporting in place.<\/div>\n<div class=\"emi-ph-num-red\">~9-12<\/div>\n<div class=\"emi-ph-unit\">months total<\/div>\n<div class=\"emi-ph-arrow\">&#8594;<\/div>\n<div class=\"emi-ph-bar\">\n<div class=\"emi-ph-bar-fill\" style=\"width:100%;\"><\/div>\n<div class=\"emi-ph-dot\" style=\"left:calc(100% - 7px);\"><\/div>\n<\/div>\n<div class=\"emi-ph-note\"><strong>Passporting note:<\/strong> Once authorized, your EMI notifies the home NCA of target EU\/EEA states. The home NCA forwards the notification. No separate licence is required in each country.<\/div>\n<div class=\"emi-ph-card\">\n<div class=\"emi-ph-card-ttl\"><i class=\"fas fa-globe\" style=\"color:#d0252d;font-size:12px;\"><\/i> What to maintain<\/div>\n<p class=\"emi-ph-card-sub\">Ongoing supervision expects live compliance, not just paper policies.<\/p>\n<ul>\n<li>Annual AML\/CFT reporting to the NCA<\/li>\n<li>KYC, transaction monitoring and MLRO<\/li>\n<li>Capital adequacy and supervisory fees<\/li>\n<li>EU expansion via passporting notifications<\/li>\n<\/ul>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n<p style=\"font-size:11px;color:#666;margin-top:12px;font-style:italic;\">* Timelines are indicative and depend on jurisdiction, documentation quality, NCA workload and the volume of supplementary information requests. MAXCORP manages the full process to minimize delays at each stage.<\/p>\n<p>[\/vc_column_text][\/vc_column][\/vc_row]<br \/>\n[vc_row rt_row_background_width=&#8221;fullwidth&#8221; rt_row_content_width=&#8221;default&#8221; rt_row_style=&#8221;default-style&#8221; rt_row_height=&#8221;&#8221; rt_column_gaps=&#8221;&#8221; rt_row_shadows=&#8221;&#8221; rt_row_paddings=&#8221;true&#8221; rt_row_borders=&#8221;&#8221; rt_bg_effect=&#8221;classic&#8221; rt_transparent_bg=&#8221;false&#8221; rt_bg_image_repeat=&#8221;repeat&#8221; rt_bg_size=&#8221;cover&#8221; rt_bg_position=&#8221;right top&#8221; rt_bg_attachment=&#8221;scroll&#8221; rt_bg_layer=&#8221;&#8221; rt_bg_video_format=&#8221;self-hosted&#8221; rt_margin_top=&#8221;0&#8243; rt_bg_image=&#8221;36245&#8243;][vc_column rt_col_paddings=&#8221;true&#8221; rt_wrp_col_paddings=&#8221;false&#8221; rt_column_shadow=&#8221;&#8221; rt_border_top=&#8221;&#8221; rt_border_bottom=&#8221;&#8221; rt_border_left=&#8221;&#8221; rt_border_right=&#8221;true&#8221; rt_border_top_mobile=&#8221;&#8221; rt_border_bottom_mobile=&#8221;&#8221; rt_border_left_mobile=&#8221;&#8221; rt_border_right_mobile=&#8221;&#8221; rt_bg_image_repeat=&#8221;repeat&#8221; rt_bg_size=&#8221;auto auto&#8221; rt_bg_position=&#8221;right top&#8221; rt_bg_attachment=&#8221;scroll&#8221; rt_bg_color=&#8221;&#8221; rt_bg_overlay_color=&#8221;&#8221;]<div class=\"rt_heading_wrapper style-7\">\n\t\t\t\t\t\t<h2 class=\"rt_heading style-7 aligncenter\"  style=\"margin-top:0px;\"><span class=\"icon-ava-arrow7 heading_icon\"><\/span>EMI Licensing Process<\/h2>\n\t\t\t\t\t<\/div>[\/vc_column][\/vc_row][vc_row rt_row_background_width=&#8221;fullwidth&#8221; rt_row_content_width=&#8221;default&#8221; rt_row_style=&#8221;default-style&#8221; rt_row_height=&#8221;&#8221; rt_column_gaps=&#8221;&#8221; rt_row_shadows=&#8221;&#8221; rt_row_paddings=&#8221;true&#8221; rt_row_borders=&#8221;top&#8221; rt_bg_effect=&#8221;classic&#8221; rt_transparent_bg=&#8221;false&#8221; rt_bg_image_repeat=&#8221;repeat&#8221; rt_bg_size=&#8221;cover&#8221; rt_bg_position=&#8221;right top&#8221; rt_bg_attachment=&#8221;scroll&#8221; rt_bg_layer=&#8221;&#8221; rt_bg_video_format=&#8221;self-hosted&#8221; rt_margin_top=&#8221;0&#8243; rt_padding_top=&#8221;0&#8243; class=&#8221;canada_msb_block&#8221; rt_padding_bottom=&#8221;0&#8243; css=&#8221;.vc_custom_1900001001{margin-bottom:0!important;padding-bottom:0!important;}&#8221;][vc_column rt_col_paddings=&#8221;true&#8221; rt_wrp_col_paddings=&#8221;false&#8221; rt_column_shadow=&#8221;&#8221; rt_border_top=&#8221;&#8221; rt_border_bottom=&#8221;&#8221; rt_border_left=&#8221;&#8221; rt_border_right=&#8221;&#8221; rt_border_top_mobile=&#8221;&#8221; rt_border_bottom_mobile=&#8221;&#8221; rt_border_left_mobile=&#8221;&#8221; rt_border_right_mobile=&#8221;&#8221; stretch_background=&#8221;yes&#8221; rt_bg_image=&#8221;36247&#8243; rt_bg_image_repeat=&#8221;repeat&#8221; rt_bg_size=&#8221;auto auto&#8221; rt_bg_position=&#8221;right top&#8221; rt_bg_attachment=&#8221;scroll&#8221; rt_padding_top=&#8221;40&#8243; rt_padding_bottom=&#8221;20&#8243; rt_bg_color=&#8221;&#8221; rt_bg_overlay_color=&#8221;&#8221;][vc_row_inner rt_row_style=&#8221;global-style&#8221; rt_column_gaps=&#8221;&#8221; rt_row_paddings=&#8221;true&#8221; rt_bg_effect=&#8221;classic&#8221; rt_transparent_bg=&#8221;false&#8221; rt_bg_image_repeat=&#8221;repeat&#8221; rt_bg_size=&#8221;cover&#8221; rt_bg_position=&#8221;right top&#8221; rt_bg_attachment=&#8221;scroll&#8221; rt_bg_layer=&#8221;&#8221; class=&#8221;icons_row_center&#8221;][vc_column_inner width=&#8221;1\/12&#8243; rt_col_paddings=&#8221;true&#8221; rt_wrp_col_paddings=&#8221;false&#8221; rt_column_shadow=&#8221;&#8221; rt_border_top=&#8221;&#8221; rt_border_bottom=&#8221;&#8221; rt_border_left=&#8221;&#8221; rt_border_right=&#8221;&#8221; rt_border_top_mobile=&#8221;&#8221; rt_border_bottom_mobile=&#8221;&#8221; rt_border_left_mobile=&#8221;&#8221; rt_border_right_mobile=&#8221;&#8221; rt_bg_image_repeat=&#8221;repeat&#8221; rt_bg_size=&#8221;auto auto&#8221; rt_bg_position=&#8221;right top&#8221; rt_bg_attachment=&#8221;scroll&#8221;][vc_icon icon_fontawesome=&#8221;fas fa-search&#8221; color=&#8221;custom&#8221; size=&#8221;lg&#8221; custom_color=&#8221;#d0252d&#8221;][\/vc_column_inner][vc_column_inner width=&#8221;5\/12&#8243; rt_col_paddings=&#8221;true&#8221; rt_wrp_col_paddings=&#8221;false&#8221; rt_column_shadow=&#8221;&#8221; rt_border_top=&#8221;&#8221; rt_border_bottom=&#8221;&#8221; rt_border_left=&#8221;&#8221; rt_border_right=&#8221;&#8221; rt_border_top_mobile=&#8221;&#8221; rt_border_bottom_mobile=&#8221;&#8221; rt_border_left_mobile=&#8221;&#8221; rt_border_right_mobile=&#8221;&#8221; rt_bg_image_repeat=&#8221;repeat&#8221; rt_bg_size=&#8221;auto auto&#8221; rt_bg_position=&#8221;right top&#8221; rt_bg_attachment=&#8221;scroll&#8221;][vc_column_text]<\/p>\n<h4>1. Assessment &amp; Business Model Review<\/h4>\n<p>We evaluate your business model, service scope and target markets, determine your optimal jurisdiction from Malta, Cyprus, Lithuania or Latvia, and produce a written readiness report with a clear project roadmap and cost estimate.[\/vc_column_text][\/vc_column_inner][vc_column_inner width=&#8221;1\/12&#8243; rt_col_paddings=&#8221;true&#8221; rt_wrp_col_paddings=&#8221;false&#8221; rt_column_shadow=&#8221;&#8221; rt_border_top=&#8221;&#8221; rt_border_bottom=&#8221;&#8221; rt_border_left=&#8221;&#8221; rt_border_right=&#8221;&#8221; rt_border_top_mobile=&#8221;&#8221; rt_border_bottom_mobile=&#8221;&#8221; rt_border_left_mobile=&#8221;&#8221; rt_border_right_mobile=&#8221;&#8221; rt_bg_image_repeat=&#8221;repeat&#8221; rt_bg_size=&#8221;auto auto&#8221; rt_bg_position=&#8221;right top&#8221; rt_bg_attachment=&#8221;scroll&#8221;][vc_icon icon_fontawesome=&#8221;fas fa-building&#8221; color=&#8221;custom&#8221; size=&#8221;lg&#8221; custom_color=&#8221;#d0252d&#8221;][\/vc_column_inner][vc_column_inner width=&#8221;5\/12&#8243; rt_col_paddings=&#8221;true&#8221; rt_wrp_col_paddings=&#8221;false&#8221; rt_column_shadow=&#8221;&#8221; rt_border_top=&#8221;&#8221; rt_border_bottom=&#8221;&#8221; rt_border_left=&#8221;&#8221; rt_border_right=&#8221;&#8221; rt_border_top_mobile=&#8221;&#8221; rt_border_bottom_mobile=&#8221;&#8221; rt_border_left_mobile=&#8221;&#8221; rt_border_right_mobile=&#8221;&#8221; rt_bg_image_repeat=&#8221;repeat&#8221; rt_bg_size=&#8221;auto auto&#8221; rt_bg_position=&#8221;right top&#8221; rt_bg_attachment=&#8221;scroll&#8221;][vc_column_text]<\/p>\n<h4>2. Company Formation &amp; Capital Setup<\/h4>\n<p>We incorporate your EMI entity in the chosen jurisdiction, arrange the registered office and local directorship, and coordinate the initial capital injection of at least &euro;350,000 into a designated EU credit institution account.[\/vc_column_text][\/vc_column_inner][\/vc_row_inner][vc_row_inner rt_row_style=&#8221;global-style&#8221; rt_column_gaps=&#8221;&#8221; rt_row_paddings=&#8221;true&#8221; rt_bg_effect=&#8221;classic&#8221; rt_transparent_bg=&#8221;false&#8221; rt_bg_image_repeat=&#8221;repeat&#8221; rt_bg_size=&#8221;cover&#8221; rt_bg_position=&#8221;right top&#8221; rt_bg_attachment=&#8221;scroll&#8221; rt_bg_layer=&#8221;&#8221; class=&#8221;icons_row_center&#8221; rt_padding_bottom=&#8221;10&#8243; rt_padding_top=&#8221;10&#8243;][vc_column_inner width=&#8221;1\/12&#8243; rt_col_paddings=&#8221;true&#8221; rt_wrp_col_paddings=&#8221;false&#8221; rt_column_shadow=&#8221;&#8221; rt_border_top=&#8221;&#8221; rt_border_bottom=&#8221;&#8221; rt_border_left=&#8221;&#8221; rt_border_right=&#8221;&#8221; rt_border_top_mobile=&#8221;&#8221; rt_border_bottom_mobile=&#8221;&#8221; rt_border_left_mobile=&#8221;&#8221; rt_border_right_mobile=&#8221;&#8221; rt_bg_image_repeat=&#8221;repeat&#8221; rt_bg_size=&#8221;auto auto&#8221; rt_bg_position=&#8221;right top&#8221; rt_bg_attachment=&#8221;scroll&#8221;][vc_icon icon_fontawesome=&#8221;fas fa-file-alt&#8221; color=&#8221;custom&#8221; size=&#8221;lg&#8221; custom_color=&#8221;#d0252d&#8221;][\/vc_column_inner][vc_column_inner width=&#8221;5\/12&#8243; rt_col_paddings=&#8221;true&#8221; rt_wrp_col_paddings=&#8221;false&#8221; rt_column_shadow=&#8221;&#8221; rt_border_top=&#8221;&#8221; rt_border_bottom=&#8221;&#8221; rt_border_left=&#8221;&#8221; rt_border_right=&#8221;&#8221; rt_border_top_mobile=&#8221;&#8221; rt_border_bottom_mobile=&#8221;&#8221; rt_border_left_mobile=&#8221;&#8221; rt_border_right_mobile=&#8221;&#8221; rt_bg_image_repeat=&#8221;repeat&#8221; rt_bg_size=&#8221;auto auto&#8221; rt_bg_position=&#8221;right top&#8221; rt_bg_attachment=&#8221;scroll&#8221;][vc_column_text]<\/p>\n<h4>3. Application Preparation &amp; NCA Submission<\/h4>\n<p>Our team prepares the full regulatory documentation package including AML\/CFT policies, governance structure, MLRO appointment, business plan and safeguarding arrangements, and files the completed application with the NCA for formal review.[\/vc_column_text][\/vc_column_inner][vc_column_inner width=&#8221;1\/12&#8243; rt_col_paddings=&#8221;true&#8221; rt_wrp_col_paddings=&#8221;false&#8221; rt_column_shadow=&#8221;&#8221; rt_border_top=&#8221;&#8221; rt_border_bottom=&#8221;&#8221; rt_border_left=&#8221;&#8221; rt_border_right=&#8221;&#8221; rt_border_top_mobile=&#8221;&#8221; rt_border_bottom_mobile=&#8221;&#8221; rt_border_left_mobile=&#8221;&#8221; rt_border_right_mobile=&#8221;&#8221; rt_bg_image_repeat=&#8221;repeat&#8221; rt_bg_size=&#8221;auto auto&#8221; rt_bg_position=&#8221;right top&#8221; rt_bg_attachment=&#8221;scroll&#8221;][vc_icon icon_fontawesome=&#8221;fas fa-users-cog&#8221; color=&#8221;custom&#8221; size=&#8221;lg&#8221; custom_color=&#8221;#d0252d&#8221;][\/vc_column_inner][vc_column_inner width=&#8221;5\/12&#8243; rt_col_paddings=&#8221;true&#8221; rt_wrp_col_paddings=&#8221;false&#8221; rt_column_shadow=&#8221;&#8221; rt_border_top=&#8221;&#8221; rt_border_bottom=&#8221;&#8221; rt_border_left=&#8221;&#8221; rt_border_right=&#8221;&#8221; rt_border_top_mobile=&#8221;&#8221; rt_border_bottom_mobile=&#8221;&#8221; rt_border_left_mobile=&#8221;&#8221; rt_border_right_mobile=&#8221;&#8221; rt_bg_image_repeat=&#8221;repeat&#8221; rt_bg_size=&#8221;auto auto&#8221; rt_bg_position=&#8221;right top&#8221; rt_bg_attachment=&#8221;scroll&#8221;][vc_column_text]<\/p>\n<h4>4. Authorization &amp; Ongoing Compliance<\/h4>\n<p>Once the NCA grants authorization, your EMI is registered and passporting notifications can be filed across target EU\/EEA markets. We provide ongoing support including MLRO outsourcing, AML reporting and annual supervisory obligation management.[\/vc_column_text][\/vc_column_inner][\/vc_row_inner][vc_btn title=&#8221;Contact us for a Free Assessment \u00bb&#8221; style=&#8221;outline-custom&#8221; outline_custom_color=&#8221;#d0252d&#8221; outline_custom_hover_background=&#8221;#d0252d&#8221; outline_custom_hover_text=&#8221;#ffffff&#8221; size=&#8221;lg&#8221; align=&#8221;center&#8221; i_icon_fontawesome=&#8221;far fa-envelope&#8221; add_icon=&#8221;true&#8221; link=&#8221;url:%23contact&#8221; css=&#8221;.vc_custom_1764521622929{margin-top: 20px !important;margin-bottom: 0px !important;}&#8221;][\/vc_column][\/vc_row]<br \/>\n[vc_row rt_row_background_width=&#8221;fullwidth&#8221; rt_row_content_width=&#8221;default&#8221; rt_row_style=&#8221;default-style&#8221; rt_row_height=&#8221;&#8221; rt_column_gaps=&#8221;&#8221; rt_row_shadows=&#8221;&#8221; rt_row_paddings=&#8221;true&#8221; rt_row_borders=&#8221;&#8221; rt_bg_effect=&#8221;classic&#8221; rt_transparent_bg=&#8221;false&#8221; rt_bg_image_repeat=&#8221;repeat&#8221; rt_bg_size=&#8221;cover&#8221; rt_bg_position=&#8221;right top&#8221; rt_bg_attachment=&#8221;scroll&#8221; rt_bg_layer=&#8221;&#8221; rt_bg_video_format=&#8221;self-hosted&#8221; rt_margin_top=&#8221;0&#8243; rt_bg_image=&#8221;36245&#8243; css=&#8221;.vc_custom_1900001002{margin-top:0!important;padding-top:0!important;}&#8221;][vc_column rt_col_paddings=&#8221;true&#8221; rt_wrp_col_paddings=&#8221;false&#8221; rt_column_shadow=&#8221;&#8221; rt_border_top=&#8221;&#8221; rt_border_bottom=&#8221;&#8221; rt_border_left=&#8221;&#8221; rt_border_right=&#8221;true&#8221; rt_bg_image_repeat=&#8221;repeat&#8221; rt_bg_size=&#8221;auto auto&#8221; rt_bg_position=&#8221;right top&#8221; rt_bg_attachment=&#8221;scroll&#8221; rt_bg_color=&#8221;&#8221; rt_bg_overlay_color=&#8221;&#8221;]<div class=\"rt_heading_wrapper style-7\">\n\t\t\t\t\t\t<h2 class=\"rt_heading style-7 aligncenter\"  style=\"margin-top:0px;\"><span class=\"icon-ava-question heading_icon\"><\/span>Frequently Asked Questions<\/h2>\n\t\t\t\t\t<\/div>[\/vc_column][\/vc_row]<\/p>\n<p>[vc_row rt_row_background_width=&#8221;fullwidth&#8221; rt_row_content_width=&#8221;default&#8221; rt_row_style=&#8221;default-style&#8221; rt_row_height=&#8221;&#8221; rt_column_gaps=&#8221;&#8221; rt_row_shadows=&#8221;&#8221; rt_row_paddings=&#8221;true&#8221; rt_row_borders=&#8221;bottom&#8221; rt_bg_effect=&#8221;classic&#8221; rt_transparent_bg=&#8221;false&#8221; rt_bg_image_repeat=&#8221;repeat&#8221; rt_bg_size=&#8221;cover&#8221; rt_bg_position=&#8221;right top&#8221; rt_bg_attachment=&#8221;scroll&#8221; rt_bg_layer=&#8221;&#8221; rt_bg_video_format=&#8221;self-hosted&#8221; rt_padding_top=&#8221;10&#8243; rt_padding_bottom=&#8221;5&#8243; class=&#8221;faq-compact&#8221;][vc_column width=&#8221;1\/2&#8243; rt_col_paddings=&#8221;true&#8221; rt_wrp_col_paddings=&#8221;false&#8221; rt_column_shadow=&#8221;&#8221; rt_border_top=&#8221;&#8221; rt_border_bottom=&#8221;&#8221; rt_border_left=&#8221;&#8221; rt_border_right=&#8221;true&#8221; rt_bg_image_repeat=&#8221;repeat&#8221; rt_bg_size=&#8221;auto auto&#8221; rt_bg_position=&#8221;right top&#8221; rt_bg_attachment=&#8221;scroll&#8221; rt_bg_color=&#8221;&#8221; rt_bg_overlay_color=&#8221;&#8221;]<br \/>\n[vc_toggle title=&#8221;What is an EMI licence and what can it do?&#8221; el_id=&#8221;emi-faq1&#8243;]An Electronic Money Institution (EMI) licence is an EU authorization issued under EMD2 and PSD2 by a national competent authority. It permits your company to issue and redeem electronic money, maintain client IBAN payment accounts, provide the full range of PSD2 payment services and passport all those activities across 30+ EU and EEA countries from a single authorization. An EMI can hold client balances as stored e-money, which a Payment Institution cannot.[\/vc_toggle][vc_toggle title=&#8221;What is the difference between electronic money and a payment account?&#8221; el_id=&#8221;emi-faq2&#8243;]Electronic money is a monetary value stored on an electronic device or account, issued against receipt of funds, and redeemable at par on demand. A payment account holds funds for executing payment transactions. An EMI can provide both: it issues e-money and can maintain payment accounts linked to IBANs. An EMI account linked to a Mastercard or VISA card that can be used anywhere becomes an open payment account subject to full PSD2 safeguarding rules, not just the closed e-money rules.[\/vc_toggle][vc_toggle title=&#8221;What are EMI capital and own funds requirements?&#8221; el_id=&#8221;emi-faq3&#8243;]The minimum initial own funds requirement for a full EMI licence is EUR 350,000 across all EU member states, as set by EMD2. NCAs assess ongoing capital adequacy against two methods: a fixed overhead requirement (one quarter of prior year fixed costs) and a percentage of average outstanding e-money. In practice, regulators expect capital well above the minimum at the time of application to demonstrate financial soundness. <a href=\"#contact\">Contact us<\/a> for a capital planning assessment tailored to your business model.[\/vc_toggle][vc_toggle title=&#8221;What governance and management requirements does an EMI need?&#8221; el_id=&#8221;emi-faq4&#8243;]NCAs conduct a fit-and-proper assessment of all directors, shareholders holding 10% or more of voting rights and key function holders. Your management body must have adequate education, experience and good repute to run a regulated payment institution. A minimum of two executives who effectively direct the business is typically required. You will need a dedicated MLRO (Money Laundering Reporting Officer), an information security officer and a compliance function. Exact requirements vary by jurisdiction.[\/vc_toggle][vc_toggle title=&#8221;What documents does an EMI application require?&#8221; el_id=&#8221;emi-faq5&#8243;]A complete application includes: programme of operations, detailed business plan with financial projections, AML\/CFT policies and procedures, governance structure and management body questionnaires, description of safeguarding arrangements, IT security and business continuity plan, structural organisation chart, shareholder and UBO documentation with source of funds, and evidence of initial capital. NCAs review all documents for consistency with the proposed business model. Incomplete submissions pause the review clock. <a href=\"#contact\">Contact us<\/a> for a full document checklist.[\/vc_toggle][vc_toggle title=&#8221;How long does the EMI authorization process take?&#8221; el_id=&#8221;emi-faq6&#8243;]Under EMD2, NCAs must decide within 3 months of a complete application. In practice the clock pauses each time the regulator issues supplementary information requests, which is common on first submission. The full process from initial pre-application meeting to receiving the licence typically takes 9-12 months. All four jurisdictions we cover encourage a pre-application meeting before formal submission, which reduces the number of queries during the formal review.[\/vc_toggle]<br \/>\n[\/vc_column][vc_column width=&#8221;1\/2&#8243; rt_col_paddings=&#8221;true&#8221; rt_wrp_col_paddings=&#8221;false&#8221; rt_column_shadow=&#8221;&#8221; rt_border_top=&#8221;&#8221; rt_border_bottom=&#8221;&#8221; rt_border_left=&#8221;&#8221; rt_border_right=&#8221;&#8221; rt_bg_image_repeat=&#8221;repeat&#8221; rt_bg_size=&#8221;auto auto&#8221; rt_bg_position=&#8221;right top&#8221; rt_bg_attachment=&#8221;scroll&#8221; rt_bg_color=&#8221;&#8221; rt_bg_overlay_color=&#8221;&#8221;]<br \/>\n[vc_toggle title=&#8221;What safeguarding methods are available for client funds?&#8221; el_id=&#8221;emi-faq8&#8243;]Under EMD2, EMIs must protect client funds using one of two methods: segregation into a dedicated account at an EU credit institution, separate from the EMI&#8217;s own funds; or coverage by an insurance policy or comparable guarantee. Most regulators prefer the segregated bank account approach. The safeguarding account must be established before the EMI commences operations and evidence of it is required as part of the authorization process. MAXCORP assists with bank introductions for safeguarding accounts.[\/vc_toggle][vc_toggle title=&#8221;What is the pre-application process and why does it matter?&#8221; el_id=&#8221;emi-faq7&#8243;]All four NCAs we work with strongly encourage a pre-application meeting before formal submission. At this stage your company does not need to be incorporated yet. The regulator reviews your planned business model, identifies regulatory concerns and advises on documents. This meeting significantly reduces queries during the formal review and in many cases shortens the overall timeline. MAXCORP coordinates pre-application meetings with the NCA as part of the Platinum and Custom packages.[\/vc_toggle][vc_toggle title=&#8221;Can an EMI issue IBANs and access SEPA payment systems?&#8221; el_id=&#8221;emi-faq9&#8243;]Yes. A licensed EMI can open and maintain IBAN-linked payment accounts for individual and business clients, and access SEPA via the central bank payment systems in its licensing jurisdiction. This includes TARGET2, SCT Inst (SEPA Instant), SDD and SCT. Direct access to the regulator-operated SEPA infrastructure is one of the main practical advantages of licensing in our covered jurisdictions, enabling your clients to send and receive euro payments across the EU.[\/vc_toggle][vc_toggle title=&#8221;Does an EMI need local substance and resident management?&#8221; el_id=&#8221;emi-faq10&#8243;]Yes. All four jurisdictions require your EMI to have its registered and head office in the member state, and your management body must effectively direct operations from there. NCAs conduct substance assessments during the review. You will need at minimum a locally based MLRO and executive management who can meet with the regulator and are available to the supervisory authority on short notice. MAXCORP provides substance solutions including outsourced MLRO and compliance officer services across all four jurisdictions.[\/vc_toggle][vc_toggle title=&#8221;Can an EMI also issue e-money tokens under MiCA?&#8221; el_id=&#8221;emi-faq11&#8243;]Yes. Under MiCA Regulation (EU) 2023\/1114), only credit institutions and authorized EMIs may issue e-money tokens (EMTs) in the EU. Holding an EMI licence therefore provides the regulatory status required to issue stablecoins backed by a single fiat currency. However, issuing an EMT requires separate steps including preparation of a MiCA-compliant crypto-asset white paper and notification to the NCA. MAXCORP can advise on the combined EMI plus EMT structure. <a href=\"#contact\">Contact us<\/a> to discuss.[\/vc_toggle][vc_toggle title=&#8221;What ongoing supervision and reporting is required?&#8221; el_id=&#8221;emi-faq12&#8243;]Authorized EMIs submit regular prudential and AML\/CFT reports to their NCA, typically quarterly and annually. Reporting covers outstanding e-money, payment transaction volumes, own funds adequacy and AML risk assessments. NCAs may conduct on-site and off-site inspections at any time. Annual supervisory fees are charged based on the institution&#8217;s size and activity. Any material changes to the business model, key personnel or ownership structure require prior NCA notification or approval. MAXCORP provides ongoing compliance support and regulatory reporting assistance post-authorization.[\/vc_toggle]<br \/>\n[\/vc_column][\/vc_row]<\/p>\n<p>[vc_row rt_row_background_width=&#8221;fullwidth&#8221; rt_row_content_width=&#8221;default&#8221; rt_row_style=&#8221;default-style&#8221; rt_row_height=&#8221;&#8221; rt_column_gaps=&#8221;&#8221; rt_row_shadows=&#8221;&#8221; rt_row_paddings=&#8221;true&#8221; rt_row_borders=&#8221;&#8221; rt_bg_effect=&#8221;classic&#8221; rt_transparent_bg=&#8221;false&#8221; rt_bg_image_repeat=&#8221;repeat&#8221; rt_bg_size=&#8221;cover&#8221; rt_bg_position=&#8221;right top&#8221; rt_bg_attachment=&#8221;scroll&#8221; rt_bg_layer=&#8221;&#8221; rt_bg_video_format=&#8221;self-hosted&#8221; rt_margin_top=&#8221;0&#8243; rt_bg_image=&#8221;36245&#8243;][vc_column rt_col_paddings=&#8221;true&#8221; rt_wrp_col_paddings=&#8221;false&#8221; rt_column_shadow=&#8221;&#8221; rt_border_top=&#8221;&#8221; rt_border_bottom=&#8221;&#8221; rt_border_left=&#8221;&#8221; rt_border_right=&#8221;true&#8221; rt_bg_image_repeat=&#8221;repeat&#8221; rt_bg_size=&#8221;auto auto&#8221; rt_bg_position=&#8221;right top&#8221; rt_bg_attachment=&#8221;scroll&#8221; rt_bg_color=&#8221;&#8221; rt_bg_overlay_color=&#8221;&#8221;]<div class=\"rt_heading_wrapper style-7\">\n\t\t\t\t\t\t<h2 class=\"rt_heading style-7 aligncenter\"  style=\"margin-top:0px;\"><span class=\"icon-mail heading_icon\"><\/span>Start Your EMI Licensing Project<\/h2>\n\t\t\t\t\t<\/div>[\/vc_column][\/vc_row]<br \/>\n[vc_row id=&#8221;contact&#8221; rt_row_background_width=&#8221;fullwidth&#8221; rt_row_content_width=&#8221;default&#8221; rt_row_style=&#8221;default-style&#8221; rt_row_height=&#8221;&#8221; rt_column_gaps=&#8221;&#8221; rt_row_shadows=&#8221;&#8221; rt_row_paddings=&#8221;true&#8221; rt_row_borders=&#8221;&#8221; rt_bg_effect=&#8221;classic&#8221; rt_transparent_bg=&#8221;false&#8221; rt_bg_image_repeat=&#8221;repeat&#8221; rt_bg_size=&#8221;cover&#8221; rt_bg_position=&#8221;right top&#8221; rt_bg_attachment=&#8221;scroll&#8221; rt_bg_layer=&#8221;&#8221; rt_bg_video_format=&#8221;self-hosted&#8221; rt_padding_top=&#8221;10&#8243; rt_padding_bottom=&#8221;25&#8243;][vc_column width=&#8221;2\/3&#8243; rt_col_paddings=&#8221;true&#8221; rt_wrp_col_paddings=&#8221;false&#8221; rt_column_shadow=&#8221;&#8221; rt_border_top=&#8221;&#8221; rt_border_bottom=&#8221;&#8221; rt_border_left=&#8221;&#8221; rt_border_right=&#8221;true&#8221; rt_bg_image_repeat=&#8221;repeat&#8221; rt_bg_size=&#8221;auto auto&#8221; rt_bg_position=&#8221;right top&#8221; rt_bg_attachment=&#8221;scroll&#8221; rt_bg_color=&#8221;&#8221; rt_bg_overlay_color=&#8221;&#8221;]<div class=\"rt_heading_wrapper style-1\">\n\t\t\t\t\t\t<h2 class=\"rt_heading style-1\"  style=\"margin-top:0px;\">Get in Touch With Our EMI Licensing Team<\/h2>\n\t\t\t\t\t<\/div>[vc_column_text]<\/p>\n<p style=\"text-align:justify;margin-bottom:14px;\">Contact us through the form below or use any of our direct channels to discuss your EMI licensing project. <strong>Every project we handle is backed by our team&#8217;s hands-on expertise across all four jurisdictions and a thorough compliance process, ensuring all regulatory requirements are addressed before NCA submission.<\/strong> Share your business model and preferred jurisdiction and we will respond with an initial project review.<\/p>\n<p>[\/vc_column_text]\n<div class=\"wpcf7 no-js\" id=\"wpcf7-f36490-o1\" lang=\"en-US\" dir=\"ltr\" data-wpcf7-id=\"36490\">\n<div class=\"screen-reader-response\"><p role=\"status\" aria-live=\"polite\" aria-atomic=\"true\"><\/p> <ul><\/ul><\/div>\n<form action=\"\/eng\/wp-json\/wp\/v2\/pages\/38626#wpcf7-f36490-o1\" method=\"post\" class=\"wpcf7-form init\" aria-label=\"Contact form\" novalidate=\"novalidate\" data-status=\"init\">\n<fieldset class=\"hidden-fields-container\"><input type=\"hidden\" name=\"_wpcf7\" value=\"36490\" \/><input type=\"hidden\" name=\"_wpcf7_version\" value=\"6.1.4\" \/><input type=\"hidden\" name=\"_wpcf7_locale\" value=\"en_US\" \/><input type=\"hidden\" name=\"_wpcf7_unit_tag\" value=\"wpcf7-f36490-o1\" \/><input type=\"hidden\" name=\"_wpcf7_container_post\" value=\"0\" \/><input type=\"hidden\" name=\"_wpcf7_posted_data_hash\" value=\"\" \/><input type=\"hidden\" name=\"_wpcf7_recaptcha_response\" value=\"\" \/>\n<\/fieldset>\n<div class=\"rt_form\">\n\t<ul>\n\t\t<li class=\"form-input\">\n\t\t\t<p><label><span class=\"wpcf7-form-control-wrap\" data-name=\"yourname\"><input size=\"40\" maxlength=\"400\" class=\"wpcf7-form-control wpcf7-text\" aria-invalid=\"false\" placeholder=\"Your name *\" value=\"\" type=\"text\" name=\"yourname\" \/><\/span> <\/label>\n\t\t\t<\/p>\n\t\t<\/li>\n\t\t<li class=\"form-input\">\n\t\t\t<p><label> <span class=\"wpcf7-form-control-wrap\" data-name=\"email\"><input size=\"40\" maxlength=\"400\" class=\"wpcf7-form-control wpcf7-email wpcf7-validates-as-required wpcf7-text wpcf7-validates-as-email\" aria-required=\"true\" aria-invalid=\"false\" placeholder=\"Email *\" value=\"\" type=\"email\" name=\"email\" \/><\/span><\/label>\n\t\t\t<\/p>\n\t\t<\/li>\n\t\t<li class=\"form-input\">\n\t\t\t<p><label> <span class=\"wpcf7-form-control-wrap\" data-name=\"telephone\"><input size=\"40\" maxlength=\"400\" class=\"wpcf7-form-control wpcf7-text\" aria-invalid=\"false\" placeholder=\"Telephone\" value=\"\" type=\"text\" name=\"telephone\" \/><\/span><\/label>\n\t\t\t<\/p>\n\t\t<\/li>\n\t\t<li class=\"form-input\">\n\t\t\t<p><label> <span class=\"wpcf7-form-control-wrap\" data-name=\"message\"><textarea cols=\"2\" rows=\"5\" maxlength=\"2000\" class=\"wpcf7-form-control wpcf7-textarea wpcf7-validates-as-required\" aria-required=\"true\" aria-invalid=\"false\" placeholder=\"Your message *\" name=\"message\"><\/textarea><\/span><\/label>\n\t\t\t<\/p>\n\t\t<\/li>\n\t\t<li class=\"submit-button\">\n\t\t\t<p><input class=\"wpcf7-form-control wpcf7-submit has-spinner\" type=\"submit\" value=\"SEND NOW \u00bb\" \/>\n\t\t\t<\/p>\n\t\t<\/li>\n\t<\/ul>\n<\/div><div class=\"wpcf7-response-output\" aria-hidden=\"true\"><\/div>\n<\/form>\n<\/div>\n<p style=\"font-size:11px;color:#999;margin-top:0;line-height:1.6;\">By submitting this form you agree to our <a href=\"https:\/\/www.maxcorp.eu\/eng\/privacy-policy\/\" target=\"_blank\" rel=\"noopener\" style=\"color:#999;\">Privacy Policy<\/a>. Your personal data is processed solely for the purpose of responding to your enquiry and will not be shared with third parties. You have the right to access, correct or delete your data at any time.<\/p>\n<p>[\/vc_column][vc_column width=&#8221;1\/3&#8243; rt_col_paddings=&#8221;true&#8221; rt_wrp_col_paddings=&#8221;false&#8221; rt_column_shadow=&#8221;&#8221; rt_border_top=&#8221;&#8221; rt_border_bottom=&#8221;&#8221; rt_border_left=&#8221;&#8221; rt_border_right=&#8221;&#8221; rt_bg_image_repeat=&#8221;repeat&#8221; rt_bg_size=&#8221;auto auto&#8221; rt_bg_position=&#8221;right top&#8221; rt_bg_attachment=&#8221;scroll&#8221; rt_bg_color=&#8221;&#8221; rt_bg_overlay_color=&#8221;&#8221;]<div class=\"rt_heading_wrapper style-3\">\n\t\t\t\t\t\t<h3 class=\"rt_heading style-3\" ><span class=\"icon-mail heading_icon\"><\/span>Contact details<\/h3>\n\t\t\t\t\t<\/div>[vc_column_text css=&#8221;.vc_custom_1748200020{margin-bottom: 15px !important;}&#8221;]Contact us to discuss your EMI project with our licensing team or to arrange an online meeting.[\/vc_column_text][vc_btn title=&#8221;Book a Meeting at Calendly &raquo;&#8221; style=&#8221;custom&#8221; custom_background=&#8221;#d0252d&#8221; custom_text=&#8221;#ffffff&#8221; i_icon_fontawesome=&#8221;far fa-calendar-alt&#8221; add_icon=&#8221;true&#8221; link=&#8221;url:https%3A%2F%2Fcalendly.com%2Fmaxcorp%2F30min||target:%20_blank&#8221;]\t \n\t\t<div  class=\"with_icons style-4 \">\n\t\t\t \n\t\t<div  >\n\t\t<span class=\"icon-chat-empty icon\"><\/span><div class=\"list-content\"><p><a href=\"https:\/\/api.whatsapp.com\/send?phone=3725043245&amp;text=Hello%2C%20I%20am%20interested%20in%20EMI%20licensing%20services\" target=\"_blank\" rel=\"noopener noreferrer\">WhatsApp message us<\/a><\/p>\n<\/div>\n\t\t<\/div>\n\t\t \n\t\t<div  >\n\t\t<span class=\"icon-telegram-logo icon\"><\/span><div class=\"list-content\"><p><a href=\"https:\/\/t.me\/maxcorp_eu\" target=\"_blank\" rel=\"noopener\">Telegram message us<\/a><\/p>\n<\/div>\n\t\t<\/div>\n\t\t \n\t\t<div  >\n\t\t<span class=\"icon-mail icon\"><\/span><div class=\"list-content\"><p><a href=\"mailto:fintech@maxcorp.eu\">Email us at fintech@maxcorp.eu<\/a><\/p>\n<\/div>\n\t\t<\/div>\n\t\t \n\t\t<div  >\n\t\t<span class=\"icon-ava-location icon\"><\/span><div class=\"list-content\"><p><a href=\"#contact\" style=\"color:#d0252d;\">Malta | Cyprus | Lithuania | Latvia<\/a><\/p>\n<\/div>\n\t\t<\/div>\n\t\n\t\t<\/div>\n\t<div class=\"google_map_holder\" data-height=\"300\" data-scope=\"#map-516127\" data-bw=\"yes\">\n\n\t\t\t<div id=\"map-516127\" class=\"google_map\"><\/div>\n\t\t\t<script type=\"text\/javascript\">\n\t\t\t \/* <![CDATA[ *\/ \n\t\t\t\t\/\/ Runs google maps\t\n\t\t\t\t\tjQuery(function() {\n\t\t\t\t\t\tjQuery(\"#map-516127\").rt_maps([[\"Malta - MFSA\", 35.8997, 14.5147, 4,\"Malta EMI Licensing\"],[\"Cyprus - CBC\", 35.1856, 33.3823, 4,\"Cyprus EMI Licensing\"],[\"Lithuania - Bank of Lithuania\", 54.6872, 25.2797, 4,\"Lithuania EMI Licensing\"],[\"Latvia - Latvijas Banka\", 56.9496, 24.1052, 4,\"Latvia EMI Licensing\"],],5); 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