# Fintech licences

Source page: https://protegra.io/licensing/licences/

Fintech licences fall into 12 families: e-money, payments, money transmission, crypto under MiCA, crypto outside the EU, stablecoins, investment firms, fund managers, banks, lending, gaming and trust services. Start from a family to compare countries, or open a concrete licence for its regulator, capital, fees, timeline and change-of-control rules.

## Licence families

- [EMI · 20 countriesElectronic money institution (EMI)An electronic money institution (EMI) licence authorises a company to issue electronic money and to provide payment services.](https://protegra.io/licensing/licences/emi/)
- [PI · 30 countriesPayment institution (PI)A payment institution (PI) licence authorises payment services such as money remittance, executing transfers, card acquiring, payment initiation and account information, but not issuing electronic money.](https://protegra.io/licensing/licences/payment-institution/)
- [MSB · 6 countriesMoney transmitter / money services business (MSB)A money services business (MSB) or money transmitter authorisation covers transferring funds, currency exchange and, in many regimes, dealing in virtual currency.](https://protegra.io/licensing/licences/money-transmitter/)
- [CASP · 16 countriesCrypto-asset service provider (MiCA CASP)A crypto-asset service provider (CASP) authorisation under the EU Markets in Crypto-Assets Regulation (MiCA) lets a company provide crypto services such as custody, exchange, trading platforms, transfers and advice.](https://protegra.io/licensing/licences/casp-mica/)
- [VASP · 28 countriesVirtual asset service provider (non-MiCA)A virtual asset service provider (VASP) licence or registration is the non-EU equivalent of a crypto authorisation, based on the FATF definition of virtual asset activities.](https://protegra.io/licensing/licences/vasp/)
- [EMT/ART · 5 countriesStablecoin / e-money token issuerA stablecoin issuer authorisation lets a company issue tokens that reference a currency or a basket of assets.](https://protegra.io/licensing/licences/stablecoin-issuer/)
- [IF · 43 countriesInvestment firm / broker-dealerAn investment firm or broker-dealer licence authorises investment services such as receiving and executing client orders, dealing on own account, portfolio management and investment advice on financial instruments, including CFDs and forex.](https://protegra.io/licensing/licences/investment-firm/)
- [FM · 28 countriesFund managerA fund manager licence authorises a company to manage collective investment schemes such as alternative investment funds or UCITS.](https://protegra.io/licensing/licences/fund-manager/)
- [Bank · 22 countriesBank / credit institutionA banking licence authorises a company to take deposits from the public and grant credit on its own account.](https://protegra.io/licensing/licences/bank/)
- [Credit · 23 countriesLending / consumer creditA lending or consumer credit licence authorises a non-bank company to grant loans, typically to consumers, funded from its own capital rather than deposits.](https://protegra.io/licensing/licences/lending/)
- [Gaming · 5 countriesGaming and bettingA gaming licence authorises a company to offer online casino games, betting or lotteries to players (B2C), or to supply games and platforms to operators (B2B).](https://protegra.io/licensing/licences/gaming/)
- [TCSP · 8 countriesTrust and corporate service provider (TCSP)A trust and corporate service provider (TCSP) licence authorises company formation, directorship and nominee services, registered office and trust administration.](https://protegra.io/licensing/licences/trust-company/)

## All concrete licences

- [Bank · Abu Dhabi Global Market (ADGM)Financial Services Permission for Accepting Deposits (Category 1 Commercial Bank)FSRA](https://protegra.io/licensing/licences/bank/adgm/)
- [Bank · BermudaBanking Licence / Deposit Company Licence / Restricted Banking Licence (Banks and Deposit Companies Act 1999)BMA](https://protegra.io/licensing/licences/bank/bermuda/)
- [Bank · Cayman IslandsBank Licence (Category A and Category B) under the Banks and Trust Companies ActCIMA](https://protegra.io/licensing/licences/bank/cayman-islands/)
- [Bank · Czech RepublicCommercial Bank licence (bankovní licence)CNB](https://protegra.io/licensing/licences/bank/czech-republic/)
- [Bank · Dubai International Financial Centre (DIFC)Financial Services Permission for Accepting Deposits or Providing Credit (Category 1 Commercial Bank)DFSA](https://protegra.io/licensing/licences/bank/difc/)
- [Bank · EstoniaCredit institution authorisation (bank)FI](https://protegra.io/licensing/licences/bank/estonia/)
- [Bank · GeorgiaCommercial bank licenceNBG](https://protegra.io/licensing/licences/bank/georgia/)
- [Bank · GermanyCredit institution licence (Erlaubnis zum Betreiben von Bankgeschäften nach § 32 KWG / CRR)BaFin](https://protegra.io/licensing/licences/bank/germany/)
- [Bank · IrelandBanking Licence (Section 9 Central Bank Act 1971)CBI](https://protegra.io/licensing/licences/bank/ireland/)
- [Bank · LatviaCredit institution licence (bank)LB](https://protegra.io/licensing/licences/bank/latvia/)
- [Bank · LithuaniaSpecialised bank licenceLB](https://protegra.io/licensing/licences/bank/lithuania-specialised/)
- [Bank · LithuaniaBank licenceLB](https://protegra.io/licensing/licences/bank/lithuania/)
- [Bank · LuxembourgCredit institution authorisationCSSF](https://protegra.io/licensing/licences/bank/luxembourg/)
- [Bank · MaltaCredit institution licenceMFSA](https://protegra.io/licensing/licences/bank/malta/)
- [Bank · NetherlandsBank licence (Vergunning bank / kredietinstelling)DNB](https://protegra.io/licensing/licences/bank/netherlands/)
- [Bank · PolandCommercial Bank licence (bank krajowy w formie spółki akcyjnej)KNF](https://protegra.io/licensing/licences/bank/poland/)
- [Bank · SingaporeBanking Licence (Full Bank, Wholesale Bank, Digital Bank)MAS](https://protegra.io/licensing/licences/bank/singapore/)
- [Bank · SlovakiaBanking licence (bankové povolenie)NBS](https://protegra.io/licensing/licences/bank/slovakia/)
- [Bank · SpainEntidad de crédito (Banco) / Commercial bank licenceBdE](https://protegra.io/licensing/licences/bank/spain/)
- [Bank · SwitzerlandFinTech licence (Persons pursuant to Article 1b Banking Act / FinTech-Bewilligung nach Art. 1b BankG)FINMA](https://protegra.io/licensing/licences/bank/switzerland-fintech/)
- [Bank · SwitzerlandBanking licence (Bankbewilligung nach Art. 3 BankG)FINMA](https://protegra.io/licensing/licences/bank/switzerland/)
- [Bank · United Arab EmiratesCommercial Bank LicenceCBUAE](https://protegra.io/licensing/licences/bank/uae-commercial/)
- [CASP · CyprusNotification by financial entities providing crypto-asset services under MiCAR Article 60CySEC](https://protegra.io/licensing/licences/casp-mica/cyprus-art60/)
- [CASP · CyprusCrypto-Asset Service Provider (CASP) authorisation under MiCAR Article 63CySEC](https://protegra.io/licensing/licences/casp-mica/cyprus/)
- [CASP · Czech RepublicCrypto-Asset Service Provider authorisation under MiCA and Act No. 31/2025 Coll. (povolení k činnosti poskytovatele služeb souvisejících s kryptoaktivy)CNB](https://protegra.io/licensing/licences/casp-mica/czech-republic/)
- [CASP · EstoniaAuthorisation to operate as a crypto-asset service provider under MiCAFI](https://protegra.io/licensing/licences/casp-mica/estonia/)
- [CASP · FrancePrestataire de services sur crypto-actifs (PSCA) / Crypto-asset service provider authorization under EU MiCA RegulationAMF](https://protegra.io/licensing/licences/casp-mica/france/)
- [CASP · GermanyCrypto-asset service provider licence (Zulassung als Anbieter von Kryptowerte-Dienstleistungen nach Art. 59 MiCAR / KMAG)BaFin](https://protegra.io/licensing/licences/casp-mica/germany/)
- [CASP · IrelandCrypto-Asset Service Provider AuthorisationCBI](https://protegra.io/licensing/licences/casp-mica/ireland/)
- [CASP · ItalyFornitore di servizi per le cripto-attività / Crypto-asset service provider (CASP) authorizationCONSOB](https://protegra.io/licensing/licences/casp-mica/italy/)
- [CASP · LatviaCrypto-asset service provider licence under MiCALB](https://protegra.io/licensing/licences/casp-mica/latvia/)
- [CASP · LithuaniaCrypto-asset service provider licenceLB](https://protegra.io/licensing/licences/casp-mica/lithuania/)
- [CASP · LuxembourgCrypto-asset service provider authorisation under MiCA RegulationCSSF](https://protegra.io/licensing/licences/casp-mica/luxembourg/)
- [CASP · MaltaCrypto-Asset Service Provider authorisation under Regulation (EU) 2023/1114MFSA](https://protegra.io/licensing/licences/casp-mica/malta/)
- [CASP · NetherlandsCrypto-Asset Service Provider (CASP) authorisation under Regulation (EU) 2023/1114 (MiCA)AFM](https://protegra.io/licensing/licences/casp-mica/netherlands/)
- [CASP · PolandCrypto-Asset Service Provider authorization under MiCA (zezwolenie na świadczenie usług w zakresie kryptoaktywów)KNF](https://protegra.io/licensing/licences/casp-mica/poland/)
- [CASP · SlovakiaCrypto-asset service provider licence under MiCA (povolenie na činnosť poskytovateľa služieb kryptoaktív)NBS](https://protegra.io/licensing/licences/casp-mica/slovakia/)
- [CASP · SpainProveedor de servicios de criptoactivos (PSC) / Crypto-asset service provider authorizationCNMV](https://protegra.io/licensing/licences/casp-mica/spain/)
- [EMI · Czech RepublicSmall-scale Electronic Money Issuer authorisation (povolení k činnosti malého vydavatele elektronických peněz - VEPMR)CNB](https://protegra.io/licensing/licences/emi/czech-republic-small-scale/)
- [EMI · Czech RepublicElectronic Money Institution licence (povolení k činnosti instituce elektronických peněz)CNB](https://protegra.io/licensing/licences/emi/czech-republic/)
- [EMI · EstoniaElectronic money institution operating with an exceptionFI](https://protegra.io/licensing/licences/emi/estonia-exception/)
- [EMI · EstoniaOperating licence as an electronic money institutionFI](https://protegra.io/licensing/licences/emi/estonia/)
- [EMI · GermanyElectronic money institution licence (Erlaubnis für das E-Geld-Geschäft nach § 11 ZAG)BaFin](https://protegra.io/licensing/licences/emi/germany/)
- [EMI · IrelandSmall Electronic Money Institution RegistrationCBI](https://protegra.io/licensing/licences/emi/ireland-small/)
- [EMI · IrelandElectronic Money Institution AuthorisationCBI](https://protegra.io/licensing/licences/emi/ireland/)
- [EMI · LatviaRegistered electronic money institutionLB](https://protegra.io/licensing/licences/emi/latvia-registered/)
- [EMI · LatviaAuthorised electronic money institution licenceLB](https://protegra.io/licensing/licences/emi/latvia/)
- [EMI · LithuaniaElectronic money institution licence for restricted activityLB](https://protegra.io/licensing/licences/emi/lithuania-restricted/)
- [EMI · LithuaniaElectronic money institution licence for non-limited activityLB · capital EUR 350,000](https://protegra.io/licensing/licences/emi/lithuania/)
- [EMI · LuxembourgElectronic money institution authorisationCSSF](https://protegra.io/licensing/licences/emi/luxembourg/)
- [EMI · MaltaElectronic money institution licenceMFSA](https://protegra.io/licensing/licences/emi/malta/)
- [EMI · NetherlandsExempt electronic money institution registration (Vrijstelling elektronischgeldinstelling)DNB](https://protegra.io/licensing/licences/emi/netherlands-exempt/)
- [EMI · NetherlandsElectronic money institution licence (Vergunning elektronischgeldinstelling)DNB](https://protegra.io/licensing/licences/emi/netherlands/)
- [EMI · PolandElectronic Money Institution licence (krajowa instytucja pieniądza elektronicznego - KIO)KNF](https://protegra.io/licensing/licences/emi/poland/)
- [EMI · SlovakiaElectronic money institution licence (povolenie na vydávanie a správu elektronických peňazí bez obmedzenia rozsahu)NBS](https://protegra.io/licensing/licences/emi/slovakia/)
- [EMI · SpainEntidad de dinero electrónico (EDE) / Electronic money institution authorizationBdE](https://protegra.io/licensing/licences/emi/spain/)
- [EMI · United KingdomSmall Electronic Money Institution (SEMI) RegistrationFCA](https://protegra.io/licensing/licences/emi/united-kingdom-semi/)
- [EMI · United KingdomAuthorised Electronic Money Institution (AEMI)FCA](https://protegra.io/licensing/licences/emi/united-kingdom/)
- [FM · Abu Dhabi Global Market (ADGM)Financial Services Permission for Managing a Collective Investment Fund (Category 3C)FSRA](https://protegra.io/licensing/licences/fund-manager/adgm/)
- [FM · BermudaFund Administrator Licence (Part III, Investment Funds Act 2006)BMA](https://protegra.io/licensing/licences/fund-manager/bermuda/)
- [FM · British Virgin IslandsBVI mutual fund recognition (private/professional fund), registration (public fund) or approval (incubator/approved fund) - funds are recognised/registered/approved, not 'licensed'BVI FSC](https://protegra.io/licensing/licences/fund-manager/bvi/)
- [FM · Cayman IslandsRegulated Mutual Fund (registered, master, or administered fund under the Mutual Funds Act)CIMA](https://protegra.io/licensing/licences/fund-manager/cayman-islands-mutual/)
- [FM · Cayman IslandsRegistered Private Fund under the Private Funds ActCIMA](https://protegra.io/licensing/licences/fund-manager/cayman-islands-private/)
- [FM · CyprusAlternative Investment Fund Manager (AIFM) authorisationCySEC](https://protegra.io/licensing/licences/fund-manager/cyprus-aifm/)
- [FM · CyprusSub-threshold Alternative Investment Fund Manager registrationCySEC](https://protegra.io/licensing/licences/fund-manager/cyprus-sub-aifm/)
- [FM · CyprusUCITS Management Company authorisationCySEC](https://protegra.io/licensing/licences/fund-manager/cyprus-ucits/)
- [FM · Czech RepublicSub-threshold Alternative Investment Fund Manager registration pursuant to Section 15 of AMCIF (zápis osoby provádějící správu majetku srovnatelnou s obhospodařováním podle § 15 ZISIF)CNB](https://protegra.io/licensing/licences/fund-manager/czech-republic-registered-15/)
- [FM · Czech RepublicInvestment Company / Fund Manager licence (povolení k činnosti investiční společnosti)CNB](https://protegra.io/licensing/licences/fund-manager/czech-republic/)
- [FM · Dubai International Financial Centre (DIFC)Financial Services Permission for Managing a Collective Investment Fund (Category 3C)DFSA](https://protegra.io/licensing/licences/fund-manager/difc/)
- [FM · EstoniaSmall fund manager registration without activity licenceFI](https://protegra.io/licensing/licences/fund-manager/estonia-small/)
- [FM · EstoniaOperating licence as a fund management companyFI](https://protegra.io/licensing/licences/fund-manager/estonia/)
- [FM · FranceSociété de gestion de portefeuille (SGP) / Portfolio management company authorisationAMF](https://protegra.io/licensing/licences/fund-manager/france-sgp/)
- [FM · GermanyInvestment management company licence (Erlaubnis als Kapitalverwaltungsgesellschaft nach § 20 KAGB)BaFin](https://protegra.io/licensing/licences/fund-manager/germany/)
- [FM · IrelandAlternative Investment Fund Manager (AIFM) Authorisation/RegistrationCBI](https://protegra.io/licensing/licences/fund-manager/ireland-aifm/)
- [FM · IrelandUCITS Management Company AuthorisationCBI](https://protegra.io/licensing/licences/fund-manager/ireland-ucits/)
- [FM · LuxembourgAlternative investment fund manager (AIFM) authorisationCSSF](https://protegra.io/licensing/licences/fund-manager/luxembourg-aifm/)
- [FM · LuxembourgManagement company authorised under Chapter 15 of the Law of 17 December 2010CSSF](https://protegra.io/licensing/licences/fund-manager/luxembourg-ucits/)
- [FM · NetherlandsAlternative Investment Fund Manager (AIFM) licence under Wft Article 2:65 and Directive 2011/61/EUAFM](https://protegra.io/licensing/licences/fund-manager/netherlands-aifm/)
- [FM · NetherlandsUndertakings for Collective Investment in Transferable Securities (UCITS / ICBE) registration under Wft and Directive 2009/65/ECAFM](https://protegra.io/licensing/licences/fund-manager/netherlands-ucits/)
- [FM · PolandInvestment Fund Company licence (towarzystwo funduszy inwestycyjnych - TFI)KNF](https://protegra.io/licensing/licences/fund-manager/poland-tfi/)
- [FM · PolandAlternative Investment Company Manager registration / licence (zarządzający alternatywną spółką inwestycyjną - ZASI)KNF](https://protegra.io/licensing/licences/fund-manager/poland-zasi/)
- [FM · SeychellesFund Administrator's Licence (and Restricted Fund Administrator's Licence) under the Mutual Fund and Hedge Fund Act 2008FSA](https://protegra.io/licensing/licences/fund-manager/seychelles/)
- [FM · SpainSociedad Gestora de Instituciones de Inversión Colectiva (SGIIC) licenceCNMV](https://protegra.io/licensing/licences/fund-manager/spain-sgiic/)
- [FM · SwitzerlandFund management company licence (Fondsleitung nach Art. 32 FINIG)FINMA](https://protegra.io/licensing/licences/fund-manager/switzerland-fund-management/)
- [FM · SwitzerlandManager of collective assets licence (Verwalter von Kollektivvermögen nach Art. 24 FINIG)FINMA](https://protegra.io/licensing/licences/fund-manager/switzerland-manager/)
- [FM · United KingdomAlternative Investment Fund Manager (AIFM) Authorisation / RegistrationFCA](https://protegra.io/licensing/licences/fund-manager/united-kingdom-aifm/)
- [Gaming · CuraçaoSupplier Licence (B2B platform/software licence) under the LOKCGA](https://protegra.io/licensing/licences/gaming/curacao-b2b/)
- [Gaming · CuraçaoOnline Gaming Licence (B2C operating licence) under the LOKCGA](https://protegra.io/licensing/licences/gaming/curacao-b2c/)
- [Gaming · MaltaCritical Gaming Supply Licence (B2B Game Providers and Back Office)MGA](https://protegra.io/licensing/licences/gaming/malta-b2b/)
- [Gaming · MaltaGaming Service Licence (B2C Remote Gaming Services)MGA](https://protegra.io/licensing/licences/gaming/malta-b2c/)
- [Gaming · MaltaRecognition Notice CertificateMGA](https://protegra.io/licensing/licences/gaming/malta-recognition-notice/)
- [IF · Abu Dhabi Global Market (ADGM)Financial Services Permission for Dealing in Investments as Principal (Category 2)FSRA](https://protegra.io/licensing/licences/investment-firm/adgm-cat2/)
- [IF · Abu Dhabi Global Market (ADGM)Financial Services Permission for Dealing in Investments as Agent or Matched Principal (Category 3A)FSRA](https://protegra.io/licensing/licences/investment-firm/adgm-cat3a/)
- [IF · Abu Dhabi Global Market (ADGM)Financial Services Permission for Advising on Investments or Arranging Deals in Investments (Category 4)FSRA](https://protegra.io/licensing/licences/investment-firm/adgm-cat4/)
- [IF · AustraliaAustralian financial services licence (AFSL)ASIC](https://protegra.io/licensing/licences/investment-firm/australia/)
- [IF · BermudaInvestment Business Licence (standard licence, under the Investment Business Act 2003)BMA](https://protegra.io/licensing/licences/investment-firm/bermuda/)
- [IF · British Virgin IslandsInvestment Business Licence (Categories 1-4: dealing, managing, advising, custody/administration of investments)BVI FSC](https://protegra.io/licensing/licences/investment-firm/bvi/)
- [IF · Cayman IslandsSecurities Investment Business Licence / Registered PersonCIMA](https://protegra.io/licensing/licences/investment-firm/cayman-islands/)
- [IF · CyprusCyprus Investment Firm (CIF) authorisationCySEC](https://protegra.io/licensing/licences/investment-firm/cyprus-cif/)
- [IF · Czech RepublicInvestment Firm licence (povolení k činnosti obchodníka s cennými papíry - OCP)CNB](https://protegra.io/licensing/licences/investment-firm/czech-republic/)
- [IF · Dubai International Financial Centre (DIFC)Financial Services Permission for Dealing in Investments as Principal (Category 2)DFSA](https://protegra.io/licensing/licences/investment-firm/difc-cat2/)
- [IF · Dubai International Financial Centre (DIFC)Financial Services Permission for Dealing in Investments as Agent or Operating an Alternative Trading System (Category 3A)DFSA](https://protegra.io/licensing/licences/investment-firm/difc-cat3a/)
- [IF · Dubai International Financial Centre (DIFC)Financial Services Permission for Advising on Financial Products or Arranging Deals in Investments (Category 4)DFSA](https://protegra.io/licensing/licences/investment-firm/difc-cat4/)
- [IF · EstoniaAuthorisation as an investment firmFI](https://protegra.io/licensing/licences/investment-firm/estonia/)
- [IF · FranceConseiller en investissements financiers (CIF) / Financial investment adviser statusAMF](https://protegra.io/licensing/licences/investment-firm/france-cif/)
- [IF · GermanyInvestment firm licence (Erlaubnis zur Erbringung von Wertpapierdienstleistungen nach § 15 WpIG)BaFin](https://protegra.io/licensing/licences/investment-firm/germany/)
- [IF · Hong KongType 1 Licence for Dealing in SecuritiesSFC](https://protegra.io/licensing/licences/investment-firm/hong-kong-type1/)
- [IF · Hong KongType 2 Licence for Dealing in Futures ContractsSFC](https://protegra.io/licensing/licences/investment-firm/hong-kong-type2/)
- [IF · Hong KongType 4 Licence for Advising on SecuritiesSFC](https://protegra.io/licensing/licences/investment-firm/hong-kong-type4/)
- [IF · Hong KongType 6 Licence for Advising on Corporate FinanceSFC](https://protegra.io/licensing/licences/investment-firm/hong-kong-type6/)
- [IF · Hong KongType 7 Licence for Providing Automated Trading ServicesSFC](https://protegra.io/licensing/licences/investment-firm/hong-kong-type7/)
- [IF · IrelandInvestment Business Firm Authorisation (Section 10 IIA 1995)CBI](https://protegra.io/licensing/licences/investment-firm/ireland-iia/)
- [IF · IrelandInvestment Firm Authorisation (MiFID II)CBI](https://protegra.io/licensing/licences/investment-firm/ireland/)
- [IF · ItalySocietà di Intermediazione Mobiliare (SIM) investment firm licenceCONSOB](https://protegra.io/licensing/licences/investment-firm/italy-sim/)
- [IF · LatviaInvestment firm licenceLB](https://protegra.io/licensing/licences/investment-firm/latvia/)
- [IF · LithuaniaFinancial brokerage firm licenceLB](https://protegra.io/licensing/licences/investment-firm/lithuania/)
- [IF · LuxembourgInvestment firm authorisationCSSF](https://protegra.io/licensing/licences/investment-firm/luxembourg/)
- [IF · Malaysia (Labuan)Securities Licensee licence (dealing in / advising on securities)Labuan FSA](https://protegra.io/licensing/licences/investment-firm/labuan-labuan/)
- [IF · MaltaInvestment services licence (Category 1, 2, or 3)MFSA](https://protegra.io/licensing/licences/investment-firm/malta/)
- [IF · MauritiusInvestment Adviser LicenceFSC](https://protegra.io/licensing/licences/investment-firm/mauritius-investment-adviser/)
- [IF · MauritiusInvestment Dealer LicenceFSC](https://protegra.io/licensing/licences/investment-firm/mauritius-investment-dealer/)
- [IF · NetherlandsInvestment firm licence (Vergunning beleggingsonderneming) under Wft Article 2:96 and MiFID IIAFM](https://protegra.io/licensing/licences/investment-firm/netherlands/)
- [IF · PolandBrokerage House licence (dom maklerski)KNF](https://protegra.io/licensing/licences/investment-firm/poland-brokerage/)
- [IF · SeychellesSecurities Dealer's Licence (full or restricted)FSA](https://protegra.io/licensing/licences/investment-firm/seychelles/)
- [IF · SingaporeCapital Markets Services (CMS) LicenceMAS](https://protegra.io/licensing/licences/investment-firm/singapore-cms/)
- [IF · SlovakiaInvestment firm licence (povolenie na poskytovanie investičných služieb pre obchodníka s cennými papiermi)NBS](https://protegra.io/licensing/licences/investment-firm/slovakia/)
- [IF · South AfricaFinancial Services Provider licence - Category I (advice and/or intermediary services, non-discretionary, incl. crypto assets)FSCA](https://protegra.io/licensing/licences/investment-firm/south-africa-fsp-cat1/)
- [IF · South AfricaFinancial Services Provider licence - Category II (discretionary FSP)FSCA](https://protegra.io/licensing/licences/investment-firm/south-africa-fsp-cat2/)
- [IF · South AfricaOver-the-Counter Derivative Provider (ODP) authorisation under the Financial Markets ActFSCA](https://protegra.io/licensing/licences/investment-firm/south-africa-odp/)
- [IF · SpainSociedad de Valores y Agencia de Valores (SV / AV) investment firm licenceCNMV](https://protegra.io/licensing/licences/investment-firm/spain-broker-dealer/)
- [IF · SpainEmpresa de Asesoramiento Financiero (EAF) licenceCNMV](https://protegra.io/licensing/licences/investment-firm/spain-eaf/)
- [IF · SwitzerlandPortfolio manager licence (Vermögensverwalter nach Art. 17 FINIG)FINMA](https://protegra.io/licensing/licences/investment-firm/switzerland-portfolio-manager/)
- [IF · SwitzerlandSecurities firm licence (Wertpapierhaus-Bewilligung nach Art. 41 FINIG)FINMA](https://protegra.io/licensing/licences/investment-firm/switzerland/)
- [IF · United KingdomMIFIDPRU Investment Firm Authorisation (Part 4A FSMA)FCA](https://protegra.io/licensing/licences/investment-firm/united-kingdom/)
- [Credit · AustraliaAustralian credit licence (ACL)ASIC](https://protegra.io/licensing/licences/lending/australia/)
- [Credit · CyprusEuropean Crowdfunding Service Provider authorisationCySEC](https://protegra.io/licensing/licences/lending/cyprus-crowdfunding/)
- [Credit · Czech RepublicNon-bank Consumer Credit Provider licence (oprávnění k činnosti nebankovního poskytovatele spotřebitelského úvěru)CNB](https://protegra.io/licensing/licences/lending/czech-republic-consumer-credit/)
- [Credit · Czech RepublicCrowdfunding Service Provider authorization under ECSPR (povolení k činnosti poskytovatele služeb skupinového financování)CNB](https://protegra.io/licensing/licences/lending/czech-republic-crowdfunding/)
- [Credit · EstoniaOperating licence as a credit servicerFI](https://protegra.io/licensing/licences/lending/estonia-credit-servicer/)
- [Credit · EstoniaOperating licence as a creditorFI](https://protegra.io/licensing/licences/lending/estonia-creditor/)
- [Credit · EstoniaAuthorisation as a crowdfunding service provider under ECSPRFI](https://protegra.io/licensing/licences/lending/estonia-crowdfunding/)
- [Credit · EstoniaAuthorisation for operating as a financial institution (Tegevusluba finantseerimisasutusena tegutsemiseks)FIU](https://protegra.io/licensing/licences/lending/estonia-financial-institution/)
- [Credit · EstoniaOperating licence as a credit intermediaryFI](https://protegra.io/licensing/licences/lending/estonia-intermediary/)
- [Credit · FrancePrestataire de services de financement participatif (PSFP) / European crowdfunding service provider authorizationAMF](https://protegra.io/licensing/licences/lending/france-crowdfunding/)
- [Credit · IrelandCrowdfunding Service Provider Authorisation (ECSPR)CBI](https://protegra.io/licensing/licences/lending/ireland-crowdfunding/)
- [Credit · ItalyFornitore di servizi di crowdfunding / European crowdfunding service provider authorization (ECSPR)CONSOB](https://protegra.io/licensing/licences/lending/italy-crowdfunding/)
- [Credit · LatviaCrowdfunding service provider authorizationLB](https://protegra.io/licensing/licences/lending/latvia-crowdfunding/)
- [Credit · LithuaniaCrowdfunding service provider authorizationLB](https://protegra.io/licensing/licences/lending/lithuania-crowdfunding/)
- [Credit · LithuaniaPeer-to-peer lending platform operatorLB](https://protegra.io/licensing/licences/lending/lithuania-p2p/)
- [Credit · LuxembourgCrowdfunding service provider authorisationCSSF](https://protegra.io/licensing/licences/lending/luxembourg-crowdfunding/)
- [Credit · NetherlandsEuropean Crowdfunding Service Provider (ECSPR) authorisation under Regulation (EU) 2020/1503AFM](https://protegra.io/licensing/licences/lending/netherlands-crowdfunding/)
- [Credit · PolandCrowdfunding Service Provider authorization under ECSPR (dostawca usług finansowania społecznościowego)KNF](https://protegra.io/licensing/licences/lending/poland-crowdfunding/)
- [Credit · PolandLending Institution registration (instytucja pożyczkowa - RIP)KNF](https://protegra.io/licensing/licences/lending/poland-institution/)
- [Credit · SlovakiaCrowdfunding service provider authorisation under ECSPR (povolenie na činnosť poskytovateľa služieb kolektívneho financovania)NBS](https://protegra.io/licensing/licences/lending/slovakia-crowdfunding/)
- [Credit · SpainProveedor de servicios de financiación participativa / European crowdfunding service provider authorizationCNMV](https://protegra.io/licensing/licences/lending/spain-crowdfunding/)
- [Credit · SpainEstablecimiento financiero de crédito (EFC) / Specialized lending credit institution authorizationBdE](https://protegra.io/licensing/licences/lending/spain-efc/)
- [Credit · United KingdomConsumer Credit Full Permission Authorisation (Part 4A FSMA)FCA](https://protegra.io/licensing/licences/lending/united-kingdom-consumer/)
- [MSB · AustraliaRegistration as a remittance service provider (remittance network provider or independent remittance dealer)AUSTRAC](https://protegra.io/licensing/licences/money-transmitter/australia/)
- [MSB · British Virgin IslandsMoney Services Business Licence, Class A (money/electronic/mobile money transmission) or Class B (money orders, traveller's cheques, cheque cashing, currency exchange)BVI FSC](https://protegra.io/licensing/licences/money-transmitter/bvi/)
- [MSB · CanadaMoney services business (MSB) registration (covers foreign exchange dealing, money transferring, virtual currency dealing, crowdfunding platforms and related services; a separate foreign-MSB registration applies to businesses without a place of business in Canada that direct services at Canadians)FINTRAC](https://protegra.io/licensing/licences/money-transmitter/canada/)
- [MSB · Dubai International Financial Centre (DIFC)Financial Services Permission for Providing Money Services restricted to Money Transmission only (Category 4)DFSA](https://protegra.io/licensing/licences/money-transmitter/difc/)
- [MSB · NetherlandsExchange institution licence (Vergunning wisselinstelling)DNB](https://protegra.io/licensing/licences/money-transmitter/netherlands/)
- [MSB · United StatesRegistration of Money Services Business (Form 107 / RMSB)FinCEN](https://protegra.io/licensing/licences/money-transmitter/united-states/)
- [PI · Czech RepublicAccount Information Service Provider authorisation (povolení k činnosti správce informací o platebním účtu)CNB](https://protegra.io/licensing/licences/payment-institution/czech-republic-aisp/)
- [PI · Czech RepublicSmall-scale Payment Service Provider authorisation (povolení k činnosti poskytovatele platebních služeb malého rozsahu - PPSMR)CNB](https://protegra.io/licensing/licences/payment-institution/czech-republic-small-scale/)
- [PI · Czech RepublicPayment Institution licence (povolení k činnosti platební instituce)CNB](https://protegra.io/licensing/licences/payment-institution/czech-republic/)
- [PI · EstoniaPayment institution operating with an exceptionFI](https://protegra.io/licensing/licences/payment-institution/estonia-exception/)
- [PI · EstoniaOperating licence as a payment institutionFI](https://protegra.io/licensing/licences/payment-institution/estonia/)
- [PI · GeorgiaRegistration as a Payment Service Provider (PSP) with the National Bank of GeorgiaNBG](https://protegra.io/licensing/licences/payment-institution/georgia/)
- [PI · GermanyAccount information service provider registration (Registrierung als Kontoinformationsdienstleister nach § 34 ZAG)BaFin](https://protegra.io/licensing/licences/payment-institution/germany-aisp/)
- [PI · GermanyPayment institution licence (Erlaubnis zur Erbringung von Zahlungsdiensten nach § 10 ZAG)BaFin](https://protegra.io/licensing/licences/payment-institution/germany/)
- [PI · IrelandAccount Information Service Provider RegistrationCBI](https://protegra.io/licensing/licences/payment-institution/ireland-aisp/)
- [PI · IrelandPayment Institution AuthorisationCBI](https://protegra.io/licensing/licences/payment-institution/ireland/)
- [PI · LatviaRegistered payment institutionLB](https://protegra.io/licensing/licences/payment-institution/latvia-registered/)
- [PI · LatviaAuthorised payment institution licenceLB](https://protegra.io/licensing/licences/payment-institution/latvia/)
- [PI · LithuaniaPayment institution licence for restricted activityLB](https://protegra.io/licensing/licences/payment-institution/lithuania-restricted/)
- [PI · LithuaniaPayment institution licenceLB](https://protegra.io/licensing/licences/payment-institution/lithuania/)
- [PI · LuxembourgPayment institution authorisationCSSF](https://protegra.io/licensing/licences/payment-institution/luxembourg/)
- [PI · MaltaAccount information service provider registrationMFSA](https://protegra.io/licensing/licences/payment-institution/malta-aisp/)
- [PI · MaltaPayment institution licenceMFSA](https://protegra.io/licensing/licences/payment-institution/malta/)
- [PI · NetherlandsExempt payment service provider registration (Vrijstelling betaaldienstverlener)DNB](https://protegra.io/licensing/licences/payment-institution/netherlands-exempt/)
- [PI · NetherlandsPayment institution licence (Vergunning betaalinstelling)DNB](https://protegra.io/licensing/licences/payment-institution/netherlands/)
- [PI · PolandAccount Information Service Provider registration (dostawca świadczący wyłącznie usługę dostępu do informacji o rachunku - AISP)KNF](https://protegra.io/licensing/licences/payment-institution/poland-aisp/)
- [PI · PolandNational Payment Institution licence (krajowa instytucja płatnicza - KIP)KNF](https://protegra.io/licensing/licences/payment-institution/poland-kip/)
- [PI · PolandSmall Payment Institution registration (mała instytucja płatnicza - MIP)KNF](https://protegra.io/licensing/licences/payment-institution/poland-mip/)
- [PI · SingaporeMajor Payment Institution LicenceMAS](https://protegra.io/licensing/licences/payment-institution/singapore-mpi/)
- [PI · SingaporeStandard Payment Institution LicenceMAS](https://protegra.io/licensing/licences/payment-institution/singapore-spi/)
- [PI · SlovakiaPayment institution licence (povolenie na poskytovanie platobných služieb bez obmedzenia rozsahu)NBS](https://protegra.io/licensing/licences/payment-institution/slovakia/)
- [PI · SpainEntidad de pago (EP) / Payment institution authorizationBdE](https://protegra.io/licensing/licences/payment-institution/spain/)
- [PI · United Arab EmiratesRetail Payment Services Licence (Categories I to IV)CBUAE](https://protegra.io/licensing/licences/payment-institution/uae-rps/)
- [PI · United KingdomRegistered Account Information Service Provider (RAISP)FCA](https://protegra.io/licensing/licences/payment-institution/united-kingdom-raisp/)
- [PI · United KingdomSmall Payment Institution (SPI) RegistrationFCA](https://protegra.io/licensing/licences/payment-institution/united-kingdom-spi/)
- [PI · United KingdomAuthorised Payment Institution (API)FCA](https://protegra.io/licensing/licences/payment-institution/united-kingdom/)
- [EMT/ART · LuxembourgElectronic money token issuer authorisation / notification under MiCA RegulationCSSF](https://protegra.io/licensing/licences/stablecoin-issuer/luxembourg/)
- [EMT/ART · NetherlandsAsset-referenced token (ART) issuer licence under EU MiCADNB](https://protegra.io/licensing/licences/stablecoin-issuer/netherlands-art/)
- [EMT/ART · NetherlandsE-money token (EMT) issuer notification under EU MiCADNB](https://protegra.io/licensing/licences/stablecoin-issuer/netherlands-emt/)
- [EMT/ART · SpainEmisor de fichas de dinero electrónico (EMT) y de fichas referenciadas a activos (ART) bajo MiCA / MiCA EMT and ART token issuer authorizationBdE](https://protegra.io/licensing/licences/stablecoin-issuer/spain/)
- [EMT/ART · United Arab EmiratesPayment Token Issuer Licence (Dirham Payment Tokens)CBUAE](https://protegra.io/licensing/licences/stablecoin-issuer/uae/)
- [TCSP · Cayman IslandsTrust Licence / Nominee Trust Company Licence under the Banks and Trust Companies ActCIMA](https://protegra.io/licensing/licences/trust-company/cayman-islands/)
- [TCSP · CyprusAdministrative Services Provider (ASP) authorisationCySEC](https://protegra.io/licensing/licences/trust-company/cyprus-asp/)
- [TCSP · EstoniaAuthorisation for providing trust and company services (Tegevusluba usaldushaldusteenuse ja äriühinguteenuse osutamiseks)FIU](https://protegra.io/licensing/licences/trust-company/estonia/)
- [TCSP · MaltaCompany service provider authorisation (Class A, B, or C)MFSA](https://protegra.io/licensing/licences/trust-company/malta-csp/)
- [TCSP · NetherlandsTrust office licence (Vergunning trustkantoor)DNB](https://protegra.io/licensing/licences/trust-company/netherlands/)
- [TCSP · SeychellesInternational Corporate Service Provider (ICSP) Licence under the International Corporate Service Providers Act 2003FSA](https://protegra.io/licensing/licences/trust-company/seychelles/)
- [TCSP · SingaporeTrust Company LicenceMAS](https://protegra.io/licensing/licences/trust-company/singapore/)
- [TCSP · SwitzerlandTrustee licence (Trustee nach Art. 17 FINIG)FINMA](https://protegra.io/licensing/licences/trust-company/switzerland/)
- [VASP · Abu Dhabi Global Market (ADGM)Financial Services Permission with Virtual Asset Activities EndorsementFSRA](https://protegra.io/licensing/licences/vasp/adgm/)
- [VASP · AustraliaRegistration as a virtual asset service provider (VASP) on the AUSTRAC Virtual Asset Service Provider Register (formerly the Digital Currency Exchange Register)AUSTRAC](https://protegra.io/licensing/licences/vasp/australia/)
- [VASP · BermudaDigital Asset Business Class F (Full) LicenceBMA](https://protegra.io/licensing/licences/vasp/bermuda-f/)
- [VASP · BermudaDigital Asset Business Class M (Modified) LicenceBMA](https://protegra.io/licensing/licences/vasp/bermuda-m/)
- [VASP · BermudaDigital Asset Business Class T (Test) LicenceBMA](https://protegra.io/licensing/licences/vasp/bermuda-t/)
- [VASP · British Virgin IslandsVirtual Assets Service Provider RegistrationBVI FSC](https://protegra.io/licensing/licences/vasp/bvi/)
- [VASP · Cayman IslandsVirtual Asset Service Provider Licence (custody or trading platform services, Phase 2)CIMA](https://protegra.io/licensing/licences/vasp/cayman-islands-licence/)
- [VASP · Cayman IslandsVirtual Asset Service Provider RegistrationCIMA](https://protegra.io/licensing/licences/vasp/cayman-islands-registration/)
- [VASP · Dubai (VARA)Virtual Asset Advisory Services LicenceVARA](https://protegra.io/licensing/licences/vasp/dubai-advisory/)
- [VASP · Dubai (VARA)Virtual Asset Broker-Dealer Services LicenceVARA](https://protegra.io/licensing/licences/vasp/dubai-broker-dealer/)
- [VASP · Dubai (VARA)Virtual Asset Custody Services LicenceVARA](https://protegra.io/licensing/licences/vasp/dubai-custody/)
- [VASP · Dubai (VARA)Virtual Asset Exchange Services LicenceVARA](https://protegra.io/licensing/licences/vasp/dubai-exchange/)
- [VASP · Dubai (VARA)Virtual Asset Lending and Borrowing Services LicenceVARA](https://protegra.io/licensing/licences/vasp/dubai-lending-borrowing/)
- [VASP · Dubai (VARA)Virtual Asset Management and Investment Services LicenceVARA](https://protegra.io/licensing/licences/vasp/dubai-management-investment/)
- [VASP · Dubai (VARA)Virtual Asset Transfer and Settlement Services LicenceVARA](https://protegra.io/licensing/licences/vasp/dubai-transfer-settlement/)
- [VASP · Dubai International Financial Centre (DIFC)Financial Services Permission with Crypto Token Activities EndorsementDFSA](https://protegra.io/licensing/licences/vasp/difc/)
- [VASP · El SalvadorProveedor de Servicios de Activos Digitales (PSAD) registrationCNAD](https://protegra.io/licensing/licences/vasp/el-salvador/)
- [VASP · GermanyQualified crypto custody licence (Erlaubnis für das qualifizierte Kryptoverwahrgeschäft nach § 1 Absatz 1a Satz 2 Nummer 6 KWG)BaFin](https://protegra.io/licensing/licences/vasp/germany-custody/)
- [VASP · IrelandVirtual Asset Service Provider AML/CFT RegistrationCBI](https://protegra.io/licensing/licences/vasp/ireland/)
- [VASP · MauritiusVirtual Asset Advisory Services (Class I)FSC](https://protegra.io/licensing/licences/vasp/mauritius-class-i/)
- [VASP · MauritiusVirtual Asset Broker-Dealer (Class M)FSC](https://protegra.io/licensing/licences/vasp/mauritius-class-m/)
- [VASP · MauritiusVirtual Asset Wallet Services (Class O)FSC](https://protegra.io/licensing/licences/vasp/mauritius-class-o/)
- [VASP · MauritiusVirtual Asset Custodian (Class R)FSC](https://protegra.io/licensing/licences/vasp/mauritius-class-r/)
- [VASP · MauritiusVirtual Asset Market Place (Class S)FSC](https://protegra.io/licensing/licences/vasp/mauritius-class-s/)
- [VASP · SeychellesVirtual Asset Service Provider Licence / Registration (Wallet Provider, Exchange, Broking, Investment Provider) under the Virtual Asset Service Providers Act 2024FSA](https://protegra.io/licensing/licences/vasp/seychelles/)
- [VASP · South AfricaCrypto Asset Service Provider licence (an FSP authorisation category under FAIS, not a MiCA-equivalent regime)FSCA](https://protegra.io/licensing/licences/vasp/south-africa/)
- [VASP · SwitzerlandFinancial intermediary / VASP SRO affiliation (Finanzintermediär nach Art. 2 Abs. 3 GwG / AMLA)FINMA](https://protegra.io/licensing/licences/vasp/switzerland/)
- [VASP · United KingdomCryptoasset Business Registration (MLRs 2017)FCA](https://protegra.io/licensing/licences/vasp/united-kingdom/)

Last verified: · Author: Danil Marmysh · Reviewed by Anastasia Sidorenkova · © Protegra. Data: CC BY 4.0, cite "Protegra Licensing Atlas". Not legal advice.