Fintech licensing in Luxembourg
The Commission de Surveillance du Secteur Financier (CSSF) issues fintech and crypto licences in Luxembourg. The Atlas covers 9 licence types here. They sit in 8 families: bank, crypto-asset service provider (MiCA), electronic money institution, fund manager, investment firm, lending, payment institution and stablecoin issuer. Luxembourg is in the EU/EEA, so a passportable licence can be extended to 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
Management company authorised under Chapter 15 of the Law of 17 December 2010CSSF
Investment firm / broker-dealer
Lending / consumer credit
Payment institution (PI)
Stablecoin / e-money token issuer
Path to market
Match your activities to the licence types above; the activity pages show which licence permits each one. CSSF holds pre-application meetings and runs an innovation hub, and the regulator page explains how to use them. The application goes to CSSF. It must include the capital and governance information and the AML file that the licence page requires. Once authorised, an EU/EEA licence can be extended to other member states by passport notification, without 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.