Fintech licensing in Luxembourg
In Luxembourg, fintech and crypto licences are issued by the Commission de Surveillance du Secteur Financier (CSSF). The Atlas covers 9 licence types there, in 8 families: bank, crypto-asset service provider (MiCA), electronic money institution, fund manager, investment firm, lending, payment institution and stablecoin issuer. Because Luxembourg is in the EU/EEA, passportable licences issued there can be extended to the other member states by notification. Crypto-asset service providers are authorised under MiCA.
Financial regulators in Luxembourg
Fintech licences available in Luxembourg
Bank / credit institution
Crypto-asset service provider (MiCA CASP)
Electronic money institution (EMI)
Fund manager
- FM · Luxembourg
Alternative investment fund manager (AIFM) authorisation
CSSF
- FM · Luxembourg
Management company authorised under Chapter 15 of the Law of 17 December 2010
CSSF
Investment firm / broker-dealer
Lending / consumer credit
Payment institution (PI)
Stablecoin / e-money token issuer
Path to market
Start by mapping the activities you plan to offer onto the licence types above; the activity pages show which licence permits each one. CSSF offers pre-application meetings and an innovation hub; the regulator page explains how to use them. The application goes to CSSF, together with the capital, governance and AML documentation the licence page lists. Once authorised, an EU/EEA licence can be extended to other member states by passport notification rather than a new licence.
Need this licence, or a different one?
Tell us your business model and target markets. We check the fit before you spend on an application, then handle the licence end to end.
A free preliminary assessment: we check your business model against the licence before you spend on an application. We handle this licence and any other fintech licence, including jurisdictions the Atlas does not cover yet.