EN#0349 – Lithuania EMI, operational, EU-passported, for sale

An opportunity to acquire a fully operational Electronic Money Institution (EMI) licensed by the Bank of Lithuania, offering a regulated and established platform for firms seeking immediate access to the European payments market. The company benefits from EU passporting rights, an existing client base, mature payment infrastructure, and a comprehensive compliance framework, providing a turnkey solution for expansion across the European Economic Area. 

Key Highlights:

• Company Status & Structure: Lithuanian Electronic Money Institution licensed by the Bank of Lithuania (BoL) since February 2021, operating as a fully established and regulated payments business with existing clients, operational infrastructure, and experienced management.
• Regulatory Standing: Fully authorized EMI regulated by the Bank of Lithuania, with passporting rights across 29 EU/EEA jurisdictions. The company maintains an established compliance framework, including an approved MLRO, DORA compliance measures, annual external audits, and multiple AML reviews.
• Licensed Activities: Authorized to issue electronic money and provide a broad range of payment services throughout the European Economic Area under its EMI license.
• Capital Adequacy: The minimum regulatory capital requirement is EUR 350,000. The company currently maintains approximately EUR 700,000 in capital across various jurisdictions, supporting liquidity management and remaining well above the regulatory minimum. 
• Operational Profile: Fully operational payments business with an established client base of approximately 150 customers and transaction turnover of EUR 19.37 million during 2025.
• Banking & Payment Infrastructure: Direct access to CENTROlink infrastructure, own EUR IBAN issuance capabilities, dedicated SWIFT BIC, safeguarding accounts, and established banking and payment infrastructure already in place. 
• Technology Infrastructure: Mature technology stack built on the Crassula core banking platform, integrated with KYC, AML, sanctions screening, transaction monitoring, and Open Banking capabilities.
• Management & Compliance Framework: Experienced management team in place, including CEO, COO, Head of Compliance, and MLRO, supported by established regulatory reporting procedures and audited financial statements. 
• Financial Position: The company has no material debt obligations. Liabilities are limited to ordinary operational expenses, supplier agreements, employee-related costs, and ongoing compliance commitments associated with maintaining the EMI license.
• Monthly Expenses: Monthly expenses can be disclosed to qualified buyers following the receipt of a non-binding offer and the signing of a Non-Disclosure Agreement (NDA).
• Growth Potential: Positioned for continued expansion through developments in card issuing, acquiring services, multi-currency accounts, TARGET2 connectivity, and migration to a proprietary core banking platform.

This Lithuanian EMI represents a compelling acquisition opportunity for firms seeking a regulated European payments platform with established infrastructure, operational readiness, EU passporting rights, existing customers, and significant scalability potential. Building a comparable structure independently would require substantial regulatory engagement, capital investment, technology development, and time-to-market, making this an attractive turnkey acquisition opportunity.

For further information on the sale of this 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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