EMI in Lithuania, licensed since 2019, with direct CENTROlink

About This Company

This Lithuanian electronic money institution (EMI) is for sale straight from its owner, with no intermediaries, and is described as fully operational and authorised by Lithuania's central bank since 2019, with EEA passporting active. The seller knows of no enforcement actions, disputes or supervisory problems. About 200 small business and retail customers are active, and over EUR 300M was processed in 2024 (internal transfers excluded). Local substance is lean, with AML and compliance in house and some functions outsourced; outside providers support banking and core systems. Financial audits are annual. Its AML, compliance and safeguarding set-up is called PSD2-aligned. Infrastructure: Lithuanian IBANs, direct CENTROlink participation for euro SEPA payments, cross-border payments through correspondent banks, and SWIFT membership infrastructure that is live and direct. Suggested uses: entering the EU market, growing a payments business, embedded finance or fintech tie-ups. Since the licence cannot be assigned, ownership changes through a share deal following Bank of Lithuania assessment of the qualifying holding. An asset sale would mean the acquirer applying for its own EMI licence.