Fintechvergunningen
Vergunningen voor e-geld, betalingen, crypto en geldtransfers (EMI, PSP, VASP, MSB), aangevraagd bij de juiste toezichthouder.
Licences for e-money, payments, crypto and money transfer (EMI, PSP, VASP, MSB) are decided by three parties: the regulator, the bank and the card processor. We work on all three from day one, because a licence that can't open a bank account or connect to a card processor is a certificate on the wall, not a business.
We build business plans that pass the regulator, capital and money-laundering-officer models, IT and customer-money (safeguarding) controls, and outsourcing arrangements that match what that regulator is focusing on right now — not last year's rulebook.
Being realistic about time is part of the job. A UK EMI isn't a three-month project. A Lithuanian EMI isn't a six-month project. We price and plan around how long regulators are actually taking today.
Wat wij voor u doen
- Business plans built to pass the regulator
- Capital, money-laundering officer and IT controls sorted
- Introductions to banks and card processors
Wie hier meestal gebruik van maakt
- Founders launching a payments, wallet, money-transfer or card product
- Crypto exchanges, custodians and trading desks needing a crypto (VASP) licence
- Established fintechs moving regulator after Brexit or the EU's new crypto rules (MiCA)
Eén team, stap voor stap, van het eerste gesprek tot en met de overdracht.
We pick the regulator, partner bank and card processor that suit the product before writing the application.
Business plan, financial forecasts, a plan for winding down safely, anti-money-laundering manuals, IT and customer-money procedures.
A named lead through the pre-application meetings, the filing and the regulator's rounds of questions.
Bank and card processor sign-up, the first audit, and ongoing compliance oversight.
Wat u ontvangt.
Elke opdracht sluiten wij af met een overdrachtsdossier dat door specialisten is gecontroleerd. Dit dossier bewaren wij dertig jaar.
- Business plan and forecasts for the regulator
- Anti-money-laundering, customer-money and IT policies
- The application filed, and dealings with the regulator handled
- Introductions to partner banks and card processors
De landen die wij hiervoor het vaakst gebruiken.
Vragen die we in elk kennismakingsgesprek horen.
- How long does an EMI licence take?
- Realistically twelve to eighteen months in the UK, and nine to fifteen months in Lithuania and Malta. Anyone quoting three months is quoting the date you file, not the date you're licensed.
- What capital do I need?
- An EMI needs €350,000 of starting capital under the current EU rules (PSD2), but the regulator will want more depending on your forecast volumes. We work this out before you commit.
- Can you help with the money-laundering reporting officer (MLRO) role?
- Yes. We can introduce checked candidates and, in some countries, provide the MLRO through a regulated partner firm.
Begin met een gesprek van twintig minuten. U vertrekt met een schriftelijk plan en een prijs.
Elke opdracht begint bij ons adviesteam en gaat daarna naar de juiste specialisten. U ontvangt onze tarieven schriftelijk voordat het werk begint. Wij werken niet met uurtarieven.
More on licensing & related work
Elke opdracht begint met een adviesgesprek van twintig minuten. Voordat het werk start, ontvangt u de prijs schriftelijk. Wij rekenen geen uurtarief.