EN#0355 – Multi-Jurisdictional Payments Group, MSB-RPAA with Banking Setup, for Sale

An opportunity to acquire a fully operational fintech group comprising an established multi-jurisdictional corporate structure and its associated business assets. The transaction includes a Luxembourg holding company, regulated entities in Switzerland and Canada, and a Cyprus-based technology company, together with proprietary online banking software, digital wallet infrastructure, and all related intellectual property rights. It also encompasses the group’s operational and compliance teams, established banking and correspondent relationships, and an existing revenue-generating client base, providing the purchaser with a fully integrated fintech platform capable of immediate operation and future growth.

Key Highlights:

• Business Structure: The group comprises a complete fintech holding and operating structure, including: Tier 1 Luxembourg holding company, Swiss SRO-regulated AG, Canadian FINTRAC MSB and RPAA-registered entity, Cyprus technology company, Cyprus management company, proprietary software, wallet infrastructure and operational teams.

• Included Entity	Details
  Luxembourg Holding Company	The group is held through a Luxembourg SOPARFI, with fully paid share capital of EUR 25,000. The company is active, has an active bank account and forms part of a clean corporate structure.
  Swiss SRO Company	The Swiss entity is an AG incorporated and domiciled in Zug, with share capital of CHF 100,000. It is regulated as a payment gateway and is capable of being upgraded to a VASP. The Swiss company benefits from: * Swiss SRO framework; * AML auditor; * outsourced Swiss AML officer; * board comprising one Swiss resident director and one Cyprus resident director; * full compliance policies; * clean AML audits to date; * positive legal opinion from a leading Swiss law firm; * Swiss accountant; * Swiss corporate bank account; * API integrations with two correspondent EMIs, including MT and BE IBAN infrastructure; and * fully integrated KYC, KYB and KYT provider with risk-management settings.
  Canadian MSB & RPAA Company	The Canadian entity was incorporated in February 2023 and is domiciled in Vancouver, British Columbia. It is registered as a Money Services Business with FINTRAC and under the RPAA framework. Its licensed activities include: * foreign exchange; * money transmission; and * virtual currency exchange, including crypto on-ramp and off-ramp services. The Canadian company has a clean AML audit history, one Canadian resident director, one Cyprus resident director, and an outsourced Canadian MLRO responsible for local reporting obligations. It also has API integrations with four correspondent providers, including IBAN and crypto infrastructure, together with integrations ready for UAE and additional US/Canadian correspondents.
  Cyprus Technology Company	The Cyprus technology company was incorporated in November 2024 and is eligible for the Cyprus IP Box regime. It is active, audited, VAT registered, has an active bank account, and forms part of a clean corporate structure. The company owns and supports the group’s proprietary online banking software, wallet infrastructure, source code and related intellectual property. The development function is supported by a Cyprus-based CTO and outsourced full-stack developers.
  Cyprus Management Company	The Cyprus management company was incorporated in February 2022 and has audited financial statements. It provides the operational management layer of the group and includes: * two Banking Relationship Managers; * Compliance Specialist; and * CFO, also acting as Group CFO. The management team can remain during a transition period or leave following completion, depending on the terms of the SPA.

• Technology & Intellectual Property: The group includes proprietary online banking software, digital wallet technology, full ownership of the source code, and all associated intellectual property rights, providing the purchaser with complete control over the platform and the flexibility to customize, scale, and further enhance the infrastructure. The platform is fully integrated with APIs supporting SEPA and SWIFT payment networks, multi-currency payment providers, IBAN infrastructure, crypto liquidity providers, and stablecoin on-ramp/off-ramp capabilities, enabling a comprehensive and scalable digital financial services ecosystem.
• Security & Technology Infrastructure: The group operates a deployed technology environment hosted across Microsoft and AWS infrastructure, with systems implemented across the relevant jurisdictions in which it operates. The platform incorporates comprehensive security measures, including dedicated Microsoft servers for each entity, AWS-based infrastructure across jurisdictions, integrated cybersecurity systems, and annual penetration testing, with successful penetration testing outcomes recorded over the past three years. The platform has been designed with scalability and regulatory alignment in mind and is capable of being upgraded to meet PCI-DSS and ISO 27001 standards with limited additional effort.
• Banking and Payment Infrastructure: The group benefits from established banking, correspondent and payment infrastructure, including:
  • Swiss corporate bank account;
  • active bank accounts within the group;
  • API integrations with correspondent EMIs;
  • IBAN infrastructure;
  • crypto settlement infrastructure;
  • SEPA, SWIFT and multi-currency payment integrations;
  • stablecoin on-ramp/off-ramp infrastructure; and
  • additional UAE and US/Canadian correspondent integrations ready for deployment.
• Client Base & Revenue Profile: The group has an active client base of more than 35 clients, providing immediate revenue generation and scalability. Current monthly revenue is approximately EUR 50,000. The client base is understood to comprise approximately 80% EU corporate clients, 10% Swiss clients and 10% EEA individuals. Revenue is generated approximately equally from IBAN and payment transactions and stablecoin on-ramp/off-ramp activity. Client acquisition has been achieved through shareholder relationships and professional business introducers.
• Financial & Operating Profile: : Current monthly operating expenses are approximately EUR 80,000, reflecting the existing cost base of the group across its jurisdictions and operational functions. Management believes that, following acquisition, the cost structure may be subject to change depending on the purchaser’s operational approach and integration strategy. On this basis, monthly operating expenses could potentially be reduced to approximately EUR 40,000 or lower, depending on how the business is operated post-acquisition.
• Legal & Compliance Position: The structure is supported by external legal advice, audits and compliance documentation. The group is represented as having no shareholder loans, no liens or encumbrances, no complaints, no compliance issues, clean AML audits to date, external legal advice supporting the structure,  and full funding by the shareholder to date.

Building a similar structure independently would generally require a number of years to develop, along with significant capital investment, regulatory approvals, technical implementation, operational team setup, and the establishment of commercial relationships. Accordingly, this opportunity provides an accelerated route to market, offering immediate operational capability and a fully integrated fintech ecosystem that is already in place.

For further information on the sale of this multi-jurisdictional payments group, please contact our Mergers & Acquisitions team at  info@salvusfunds.com.  More entities for sale can be found within our  Entity Acquisition or Sale  service. The above is not investment advice nor an invitation to the public to invest. Information is provided strictly for strategic or corporate acquisition considerations among qualified parties. 

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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