FinTech & crypto advisory in the Baltics

From EMI licensing to MiCA crypto compliance — we help fintech and crypto companies navigate Baltic and EU regulation from setup to scale.

Six paths through Baltic fintech regulation

EMI & PI licensing

End-to-end support for Electronic Money Institution or Payment Institution authorisation in Latvia or Estonia, including application and regulator liaison

MiCA licensing & compliance

Crypto-asset business authorisation under MiCA — whitepaper review, application drafting, and ongoing assistance through regulatory approval

DORA advisory

Digital Operational Resilience Act compliance — gap analysis, policy drafting, and implementation support for Baltic financial institutions

AML/KYC setup

AML/KYC frameworks satisfying Latvian FKTK requirements and EU directives, built into your operations from day one

Open banking & PSD2

PSD2 compliance, open banking advisory, and API third-party provider registration for payment service providers

Crypto & blockchain legal

Legal structuring for crypto projects, token issuances, DeFi protocols, and blockchain-based financial services

Three regulations every fintech in Europe needs to understand

MiCA for crypto assets
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Markets in Crypto-Assets Regulation applies to anyone issuing, trading, or providing services on crypto assets anywhere in the EU.

MiFID II for investment services

Markets in Financial Instruments Directive governs trading platforms, investment firms, and brokers operating across Europe.

AMLD6 for anti-money laundering

Sixth Anti-Money Laundering Directive strengthens customer due diligence, beneficial ownership transparency, and cross-border reporting across the EU.

Questions

How long does an EMI license take in Latvia?

Timeline depends on application completeness and FKTK workload. Most EMI applications take six to twelve months from submission to approval. Expect faster processing if your business plan is clean and your AML framework is solid.

Does my crypto project need a MiCA license?

If you issue, trade, custody, or provide services on crypto assets in the EU, yes. MiCA applies to most crypto business models.

Does DORA apply to my fintech startup?

DORA applies if you are a regulated financial entity under EU law. If you hold an EMI, PI, or MiCA license, DORA is mandatory. Even smaller fintechs are advised to follow and map their ICT risk and third-party dependencies.