A Finland-based, fully licensed Electronic Money Institution (EMI) is available for acquisition, regulated by the Finnish Financial Supervisory Authority (FIN-FSA). The entity offers an established and operational regulatory platform with live banking connectivity, SEPA access, and EU passporting, providing an efficient route for qualified acquirers seeking immediate entry or expansion within the European payments and fintech market. The EMI is fully operational, significantly reducing time-to-market compared to launching a new licensing application, subject to regulatory change-of-control approvals.
🔹 Regulatory Status: FIN-FSA–licensed Electronic Money Institution (EMI)
🔹 Jurisdiction: Finland
🔹 Regulatory Authority: Finnish Financial Supervisory Authority (FIN-FSA)
🔹 Authorised Activities & Scope:
Issuance of electronic money
Provision of payment services under EU regulatory framework
Ability to operate across the EU/EEA via passporting
🔹 Regulatory Standing:
Fully authorised and operational EMI
Complete set of internal policies and procedures aligned with FIN-FSA requirements
Clean regulatory standing with all filings current and in good standing
🔹 Banking & Payments Infrastructure:
SWIFT BIC code issued
National bank code from Finanssiala, enabling issuance of Finnish IBANs (FI prefix)
EPC SEPA, SEPA Instant, and VOP agreements in place
Active SEPA connectivity through a banking partner
Fully operational safeguarding account with an EU bank
In the process of establishing a second safeguarding account with another EU bank
🔹 EU Passporting:
FIN-FSA passporting approved and notified across 29 EU/EEA countries (as of 1 September)
🔹 Transaction & Operational Readiness:
Fully operational EMI with live infrastructure
In the process of connecting to CENTOLink
Application for dual MiCA licensing underway
Clean corporate structure suitable for share transfer
Full due diligence documentation available
🔹 Financial Overview:
Regulatory Capital: EUR 450,000 (minimum required EUR 350,000)
Operational Monthly Expenses: approximately EUR 60,000–70,000
This FIN-FSA–licensed EMI provides a robust and scalable platform for acquirers seeking a regulated European payments institution with established banking rails, SEPA access, and EU-wide passporting. The acquisition offers a substantially faster and more efficient route to market compared to new licensing, subject to buyer due diligence and regulatory change-of-control approvals.#
For further information on acquiring the Finnish EMI or exploring other available opportunities, contact our Mergers & Acquisitions team at info@salvusfunds.com or visit our website where 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 assist with new license authorisations, regulatory compliance services, and the acquisition of ready-made, licensed financial entities globally.
