Business-Oriented Legal Services for Regulated and International Markets
We provide legal advisory services on fintech licensing matters, assisting clients with the structuring and obtaining of Electronic Money Institution (EMI), Payment Service Provider (PSP), MiCA and MiFID licenses.
Fintech Licensing: EMI,PSP, MiCA, MiFID
Fintech Licensing: EMI,PSP, MiCA, MiFID
Not sure which license you need?
Send us a request and we will help you choose the right license and jurisdiction for your business.
Request a consultation Send us a request and we will help you choose the right license and jurisdiction for your business.
ABOUT SERVICES
Fintech activities are subject to extensive regulatory requirements, particularly in the areas of payments, electronic money, investment services and crypto-assets. Obtaining the appropriate license and maintaining regulatory compliance are essential for lawful market entry and sustainable operations.
We provide legal advisory services on fintech licensing matters, assisting clients with the structuring and obtaining of Electronic Money Institution (EMI), Payment Service Provider (PSP), MiCA and MiFID licenses. Our advisory covers regulatory analysis, jurisdiction selection, preparation of licensing documentation and interaction with competent supervisory authorities.
Our approach is focused on practical and compliant licensing solutions, taking into account the client’s business model, regulatory obligations and long-term operational objectives. We assist clients throughout the entire licensing process, from initial assessment to post-licensing compliance support.
We provide legal advisory services on fintech licensing matters, assisting clients with the structuring and obtaining of Electronic Money Institution (EMI), Payment Service Provider (PSP), MiCA and MiFID licenses. Our advisory covers regulatory analysis, jurisdiction selection, preparation of licensing documentation and interaction with competent supervisory authorities.
Our approach is focused on practical and compliant licensing solutions, taking into account the client’s business model, regulatory obligations and long-term operational objectives. We assist clients throughout the entire licensing process, from initial assessment to post-licensing compliance support.
Our FINTECH LICENSING SERVICES INCLUDE:
- regulatory analysis and licensing strategy
- EMI and PSP licensing for payment and e-money institutions
- MiCA licensing for crypto-asset service providers
- MiFID licensing for investment and financial service activities
- preparation and submission of licensing applications
- legal support in communication with supervisory and regulatory authorities
- advisory on post-licensing compliance and regulatory obligations
Sviridenko & Partners has advised 10+ fintech companies and international founders on fintech licensing, regulatory structuring, AML/CFT compliance and market entry across Latvia and the European Union.
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SELECTED EXPERIENCE HIGHLIGHTS
Our work is performed on a confidential basis. For this reason, client names and transaction-specific details are not disclosed unless expressly authorised by the client.
- Supported fintech companies in preparing for EMI and PI licensing projects in Latvia, including regulatory analysis, licence type assessment and selection of the most appropriate authorisation model.
- Successfully assisted a fintech client in completing the pre-approval / pre-licensing stage with Latvijas Banka for an electronic money institution project.
- Prepared and reviewed licensing documentation packages for EMI and PI projects, including business plans, programme of operations, governance descriptions, AML/CFT policies, internal control frameworks, risk assessments, financial projections and supporting regulatory annexes.
- Assisted clients in structuring complex payment models involving multi-currency accounts, SEPA payments, internal transfers, card transactions, safeguarding arrangements, foreign exchange services and cross-border payment flows.
- Developed and reviewed AML/CFT and sanctions compliance frameworks, including enterprise-wide risk assessments, customer risk assessment methodologies, transaction monitoring concepts, customer due diligence procedures and suspicious transaction reporting procedures.
- Advised on source of funds and source of wealth documentation for fintech licensing projects, projects involving multi-million euro capital structures and source of funds assessments.
- Supported international founders, shareholders and fintech groups in preparing for regulatory communication with Latvijas Banka, including responses to regulator comments, clarification requests and pre-application discussions.
- Advised on governance and key function holder requirements, including management board structure, local substance, MLRO role, compliance function, risk management function, internal control system and outsourcing arrangements.
- Assisted clients with regulatory positioning for EMI, PI and CASP-related business models under Latvian and EU financial regulation, including assessment of whether the proposed services require EMI, PI and/or CASP authorisation.
- Provided practical support in aligning business models, operational flows and compliance documentation with Latvian regulatory expectations before formal licence application submission.
Why choose Sviridenko&Partners?
Sviridenko & Partners has advised 10+ fintech companies, payment businesses and international founders on fintech licensing, regulatory structuring, AML/CFT compliance and market entry matters in Latvia and the European Union.
Our fintech advisory experience includes projects involving electronic money institutions, payment institutions, cross-border payment platforms, SEPA-related business models, card-based payment solutions, multi-currency accounts, foreign exchange services and combined EMI/CASP regulatory structures.
Contact us Our fintech advisory experience includes projects involving electronic money institutions, payment institutions, cross-border payment platforms, SEPA-related business models, card-based payment solutions, multi-currency accounts, foreign exchange services and combined EMI/CASP regulatory structures.