Lithuania has built one of the most welcoming environments for fintech and electronic-money institutions in the EU.
Why Lithuania
Bank of Lithuania (BoL) operates a fast-track licensing programme for EMIs and PSPs, with English-language correspondence and 6–9 month decision windows.
Costs
EMI minimum capital €350,000; PSP €125,000. State fees moderate, but total project cost (advisors + governance) is €80,000–€200,000.
Substance
BoL expects local CEO + AML officer, an office, and credible internal control. Pure passporting structures don't fly.
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