«Sviridenko & Partners» Company

The European fintech and cryptocurrency markets are expanding rapidly, bringing new opportunities and regulatory challenges for businesses. Compliance with evolving EU financial and crypto regulations is critical to securing operational stability and credibility in the market.

At Sviridenko & Partners, we specialize in helping businesses obtain the necessary licenses to operate in fintech and cryptocurrency sectors, ensuring full compliance with European regulatory frameworks. Whether you need an Electronic Money Institution (EMI) license, Payment Institution (PI) license, Brokerage License, or guidance on the Markets in Crypto-Assets (MiCA) Regulation, our team of legal and financial experts will guide you through every step of the process.

1.

An Electronic Money Institution (EMI) license is essential for businesses issuing electronic money, offering digital wallets, and providing payment services within the European Economic Area (EEA). This license allows companies to store customer funds, facilitate electronic payments, and operate payment networks, making it a crucial component for fintech enterprises.

We provide comprehensive assistance in obtaining an EMI license, including:

• Regulatory Business Plan Development – We ensure your business plan meets all capital and compliance requirements, including financial projections, risk management strategies, and operational guidelines.
• Financial and Legal Documentation Preparation – Our team assists in preparing all necessary regulatory filings, financial reports, and legal agreements required for the licensing process.
• AML and Compliance Framework Implementation – We develop anti-money laundering (AML) and counter-terrorist financing (CTF) policies, including transaction monitoring, fraud prevention, and sanctions compliance.
• IT Security and Data Protection Compliance – Cybersecurity is a key requirement for EMI licensing. We help establish robust data protection protocols, cybersecurity measures, and internal controls to comply with EU and GDPR regulations.
• Application Submission and Regulator Liaison – We assist in submitting EMI license applications, communicating with regulatory authorities, and preparing for interviews or inspections.

Once licensed, an EMI can issue electronic money, offer multi-currency accounts, process payments, and integrate with banking networks, making it a powerful tool for fintech innovation.

2.

Fintech Licensing: EMI, PI, and Brokerage Licenses
Electronic Money Institution (EMI) Licenses

A Payment Institution (PI) license is required for businesses providing payment processing services, money transfers, and account information services within the EU. It is particularly relevant for companies offering:

• International and domestic money transfers
• Online payment processing and merchant acquiring
• Direct debit, standing orders, and card-based payment services
• Account aggregation and open banking services under PSD2

We guide clients through the entire PI licensing process, ensuring:

• Eligibility Confirmation – We evaluate whether your business model qualifies for a PI license under national and EU regulatory frameworks.
• Regulatory Compliance Strategy – Our team develops AML, KYC (Know Your Customer), and risk management frameworks to meet regulatory standards.
• IT and Cybersecurity Readiness – We help implement strong IT security policies, ensuring compliance with GDPR and EU cybersecurity directives.
• Business Model Optimization – We structure your financial operations to ensure regulatory approval while maximizing operational flexibility.

Securing a PI license allows businesses to operate payment platforms, facilitate transactions, and expand financial services across the European market.

3.

For companies engaged in securities trading, investment management, and financial brokerage services, obtaining a Brokerage License is a regulatory necessity. Whether your business involves equities, derivatives, foreign exchange (Forex), or digital assets, a brokerage license ensures compliance with EU financial market regulations, including MiFID II and ESMA guidelines.

Our brokerage licensing services cover:

• Legal and Financial Documentation Preparation – Ensuring all necessary filings, agreements, and financial statements meet regulatory standards.
• Risk Management and Compliance Procedures – Implementing internal controls, fraud detection measures, and market surveillance frameworks.
• Capital Requirements Compliance – Structuring financial resources to meet minimum capital requirements under MiFID II.
• IT Security and Trading Platform Integration – Establishing secure trading platforms, investor protections, and cybersecurity protocols.

A Brokerage License enables firms to offer investment services, trade financial instruments, and expand their client base across European markets.

4.

Brokerage Licenses: Trading and Investment Services

If your business is engaged in crypto-asset services, obtaining a MiCA license is essential. The regulation applies to:

• Cryptocurrency exchanges and trading platforms
• Token issuers, including stablecoins and utility tokens
• Crypto wallet providers and custodial services
• Decentralized Finance (DeFi) operators offering financial services

The Markets in Crypto-Assets (MiCA) Regulation establishes a unified legal framework for cryptocurrencies, digital assets, and blockchain-based financial services in the EU. It is designed to:

• Ensure investor protection and market stability
• Regulate crypto-asset issuers and service providers
• Prevent financial crimes such as money laundering and fraud
• Create a harmonized regulatory landscape for crypto businesses in Europe

5.

At «Sviridenko & Partners», we provide full-scale support for MiCA compliance and licensing, including:

• Regulatory Business Model Structuring – We help define your crypto business model, ensuring compliance with MiCA classification standards.
• AML and CTF Compliance Development – Creating customized AML and counter-terrorist financing (CTF) policies for crypto operations.
• Risk Management and Consumer Protection Measures – Implementing investor protection strategies, financial safeguards, and operational risk controls.
• Licensing Application and Regulatory Liaison – Managing the entire MiCA license application process, from document preparation to regulatory interviews.

MiCA compliance is critical for crypto businesses operating in Europe, ensuring long-term regulatory stability and market credibility.

6.

How We Help with MiCA Licensing

Why Choose "Sviridenko & Partners"?

At "Sviridenko & Partners", we go beyond traditional legal services — we provide regulatory certainty and business confidence.

• Deep expertise in European fintech and crypto regulations
• Proven track record in licensing for EMI, PI, Brokerage, and MiCA businesses
• End-to-end licensing support, from application to ongoing compliance
• Tailored strategies for fintech, payment, and digital asset businesses
• Strong relationships with European regulators and financial institutions

• With our specialized legal and financial expertise, we streamline the licensing process, helping businesses expand their operations, meet compliance obligations, and thrive in the European market.

If your company requires an EMI, PI, Brokerage, or MiCA license, "Sviridenko & Partners" is here to guide you through the process.

Contact us today to discuss your licensing needs and take the next step toward securing regulatory approval in Europe.