FinTech Licensing Support — Crypto, EMI, PSP & Forex License Assistance | Smartex
FinTech Licensing Support — Crypto, EMI, PSP & Forex
FinTech Licensing Support is our professional service for obtaining financial licenses across 30+ jurisdictions. Whether you need an Electronic Money Institution (EMI) license in the EU, a Payment Service Provider (PSP) registration, a Virtual Asset Service Provider (VASP) license, or a Forex broker authorization — our regulatory consultants handle the entire process from start to finish.
We have successfully guided over 50 FinTech companies through licensing processes in jurisdictions including Lithuania, Malta, Estonia, Cyprus, UK, Singapore, UAE, and many more. We know what regulators want and how to present your application for the highest probability of approval.
License Types We Support
EMI License
Electronic Money Institution license — issue e-money, provide payment services, and operate digital wallets. EU EMI license under EMD2 directive. Passport to all EEA countries.
PSP Registration
Payment Service Provider registration — payment initiation, account information services, and payment processing. PSD2 compliance, SCA implementation, and TPP registration.
VASP / Crypto License
Virtual Asset Service Provider license — crypto exchange, crypto wallet, and crypto custody services. FATF compliance, travel rule implementation, and AML/KYC procedures.
Forex / Investment License
Forex broker authorization, investment firm license (MiFID II), and fund management registration. Leverage limits, client categorization, and investor protection compliance.
Banking License
Full banking license — deposit-taking, lending, and investment services. Capital requirements, governance structure, and regulatory reporting framework. Full and restricted licenses.
Microfinance License
Microfinance and consumer lending license. Interest rate caps, responsible lending requirements, and borrower protection compliance. Country-specific variations handled.
Jurisdictions
European Union
Lithuania, Malta, Estonia, Cyprus, Germany, Ireland, Portugal, and Luxembourg. EMI, PSP, VASP, and banking licenses. EEA passporting rights for cross-border operations.
United Kingdom
FCA authorization for EMI, SPI, AISP/PISP, and crypto registration. Senior Managers and Certification Regime (SMCR) compliance. FCA application process management.
Asia-Pacific
Singapore MAS, Hong Kong SFC, Australia AUSTRAC, and Japan FSA. PSP, VASP, and digital banking licenses. Local partner introductions for regulatory sponsorship.
Middle East & Africa
UAE (ADGM, DIFC, VARA), Bahrain, Kenya, and South Africa. Fintech sandbox, crypto, and PSP licenses. Sharia-compliant financial product licensing.
Americas
US (state MTL, federal FinCEN), Canada (FINTRAC), Brazil (Banco Central), and Mexico (CNBV). Money transmitter, crypto, and PSP licenses.
30+ Jurisdictions
We support licensing in over 30 jurisdictions worldwide. If your target market is not listed, contact us — we continuously expand our regulatory expertise.
Our Process
1. Assessment
Business model review, jurisdiction selection, and licensing strategy. Regulatory gap analysis and roadmap. Capital requirements and timeline estimation.
2. Company Setup
Company incorporation in target jurisdiction. Registered office, local director, and governance structure. Bank account opening for the new entity.
3. Application
Preparation of full license application — business plan, financial projections, AML/KYC procedures, risk management framework, and compliance manuals. Liaison with regulator.
4. Key Personnel
Recruitment and nomination of key personnel — MLRO, compliance officer, risk officer, and board members. Fit and proper test preparation and regulatory interviews.
5. Regulator Liaison
Managing all communications with the regulator. Responding to information requests, clarifications, and additional documentation. Site visit preparation and support.
6. License Grant
License issuance and post-licensing compliance setup. Ongoing regulatory reporting, compliance monitoring, and regulatory examination support.
Deliverables
Full Application Package
Business plan, financial projections (3-year), AML/CFT policy manual, KYC/CDD procedures, risk management framework, compliance manual, data protection policy, and operational procedures.
Compliance Framework
Pre-built compliance procedures aligned with your license requirements. Integration with Smartex Money's Compliance Guard for automated monitoring and reporting.
Ongoing Support
Post-license support — regulatory reporting, compliance audits, license renewal, and variation applications. Dedicated compliance consultant for 12 months included.
Technology Readiness
Smartex Money platform configured to meet your license conditions. Pre-built compliance workflows, regulatory reporting templates, and audit trail setup.
Ready to get licensed?
We turn licensing from a multi-year challenge into a structured, predictable process. Schedule a consultation to scope your licensing needs and timeline.
Request a Consultation