EN#0273 – Lithuanian EMI with EEA License for Sale

This is an opportunity to acquire a fully licensed and revenue-generating Electronic Money Institution (EMI) based in Lithuania, authorized by the Bank of Lithuania and passportable across all 30 EEA states. With a stable business model, solid supervisory track record, and robust banking and scheme connectivity, this platform offers a strategic entry point into the European payments ecosystem.

The company combines regulatory credibility with operational maturity, supported by a proprietary payments platform, a focused client base, and an experienced in-house team. Ideal for fintech operators, payment service providers, and institutional investors seeking immediate market access with minimal integration overhead.

Key Highlights Include:

• Lithuanian EMI Licence – Full EMI licence issued by the Bank of Lithuania, enabling e-money issuance, account provisioning, acquiring, payment initiation, FX, and remittance services.
• EEA Passporting – Fully passported across the European Economic Area (EEA), with no requirement for relocation of staff or infrastructure.
• Clean Supervisory Record – Operating since 2011 with no regulatory fines or remedial actions, demonstrating robust compliance and governance.
• Proven Business Model – 95% of revenue from recurring tax-refund services (salary refunds for EU migrant and seasonal workers) under a partner brand; remainder from cross-border payments and EMI services.
• Active Client Base – 21,000 active retail clients (as of FY 2023), generating annual processed volume of approximately €20 million, gross revenue of €460,000, and net profit of €150,000.
• Established Team – Core staff of eight, including CEO, Finance & Compliance Officer, MLRO, and Operations Head, ensuring business continuity and regulatory alignment.
• Banking & Payment Connectivity – Access to SEPA via CENTROlink; operational IBANs with Luminor, Šiaulių bankas, SEB (EUR), and PKO BP (PLN); international payout rails through Currencycloud, Airwallex, and Checkout.com.
• API-Ready Core Platform – Proprietary, modular platform enabling smooth integration of additional B2B services, card programs, or partner networks.
• Turnkey Infrastructure – No legacy issues; plug-and-play setup with clean books, existing office lease, and banking relationships retained.
• Scalable Opportunity – Stable revenue foundation with scope to expand into card issuance, corporate accounts, or embedded finance solutions.

Transaction Scope:

• Structure: 100% share transfer, including the licence, trading name, client portfolio, technology stack, and supporting infrastructure.
• Transition: Current staff and office lease to remain in place to ensure continuity and operational stability.

For further information on the sale of this Licensed Lithuanian EMI, please contact our Mergers & Acquisitions team at info@salvusfunds.com. More entities for sale can be found within our Entity Acquisition or Sale service.

SALVUS Funds’ teams can be engaged for guiding on new license authorisations for investment, payments or crypto-asset services, ongoing regulatory compliance consultancy for such licensed entities, and support in successfully acquiring ready-made regulated entities.

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