Your own licence. Your own terms with banks
Licensing for regulated financial activity
EMI licence
issuing e-money, operating wallets and accounts
Payment Institution (PI) licence
acquiring, money remittance, payment initiation
CASP licence under MiCA
crypto-asset services across the EU
Investment firm licence
brokerage, portfolio management and investment advice
Lending licences
consumer and business lending activities
The jurisdiction you choose decides how easily you get banked
Why it matters
Jurisdictions differ in capital requirements, substance expectations and approval timelines – but also in how banks, acquirers and investors view a licence issued there. Some licences open doors across Europe. Others make every bank conversation harder.
How we choose
We compare jurisdictions against your business model, target markets, budget and time to market – and recommend the one that works commercially, with the reasoning set out in writing.
End-to-end licence support
based on business model, cost, time to market and banking access
end-to-end support for EMI, PI, CASP, lending and investment licences
prepared to regulator standard and reusable in bank and investor due diligence
managing submissions, questions and meetings throughout the approval process
strategy and notifications for operating across the EU and beyond
Five stages from assessment to operating business
Timelines vary by licence and jurisdiction. We provide a specific estimate after the feasibility stage.
Feasibility
We confirm the licence you need and the jurisdiction that fits your business.
Preparation
CapitaLogic Consulting sets up the entity, governance and substance the application requires.
Documentation
We draft the full application pack and review it against regulator expectations.
Submission and review
We file the application and manage all communication with the supervisor.
Approval and launch
CapitaLogic supports post-authorisation obligations, banking onboarding and your operational go-live.
A licence that works for your business, not only on paper
Independence from third-party licence holders and their risk decisions
Stronger position when opening bank, safeguarding and acquiring accounts
A realistic budget covering capital, set-up and ongoing compliance costs
A licence structure that supports new markets instead of limiting them
Often combined with
Corporate Structuring
placing the licence in the right entity and group.
AML & KYC Advisory
building the AML framework every application and bank review requires.
Payments Consulting
securing banking and acquiring partners once the licence is granted.
Start with the right licence strategy
Tell us what you plan to offer and where. CapitaLogic team will recommend the licence, the jurisdiction and a realistic path from application to operating business.