Lithuania EMI- Electronic Money Institution

A fully licensed EMI offering SEPA payment transfers, VISA Business cards, and SWIFT international payments. The company has a direct connection to SEPA through the Central Bank-managed Centrolink system, enabling instant, secure, and cost-efficient transactions across Europe and beyond.
With a strong client base of 500+ active businesses, the company is rapidly expanding, adding 50-100 new clients per month.

Key Highlights
Regulatory Approval: Fully licensed for electronic money issuance, payment transactions, and remittance services.
SEPA & SWIFT Capabilities: Direct SEPA access via Centrolink and SWIFT payments for global transfers.
Growing Business Portfolio: 500+ active business clients, growing at 50-100 per month.
Revenue Per Client: €250 per month, with an average of 10 transactions per client.
Transaction Volume: 4,000 transactions per month, generating €6 revenue per transaction.
Managed Client Funds: €10 million in active accounts.
Strategic Business Transformation: Shifting from high-risk clients to a stable, medium-to-low risk portfolio, ensuring regulatory security and long-term growth.
Marketing Investments: €15,000-20,000 per month in customer acquisition through Facebook & Google Ads, optimizing efficiency.

Regulatory Licenses & Services
The company holds comprehensive regulatory authorization, allowing it to provide a full range of payment services:
Payment Initiation Services (PIS)
Issuance & Redemption of Electronic Money
Issuance of Payment Instruments & Processing of Payments
Money Remittance Services
Direct Debit Transfers, Credit Transfers & Card Transactions
Secure Transfers of Funds Between Payment Accounts

Financial Performance (2019-2023)
Year Sales Revenue (€) Pre-Tax Profit (€)
2019 1,724,062 -600,156
2020 424,091 -653,117
2021 633,671 -353,827
2022 1,284,828 -178,748
2023 1,784,647 470,197 (Profitable)
2024 1,004,384 -712,468

Key Financial Insights
Revenue Growth: +39% YoY from 2022 to 2023, reaching profitability in 2023.
Scalability: Growing client acquisition rate and transaction volume, ensuring stable revenue streams.
Strategic Risk Management: Regulatory compliance investment (15% of revenue) ensures long-term operational security.
Regulatory Oversight Completed: Underwent a full regulatory audit by the Central Bank, with required adjustments to be completed by September 2024, offering investors security and transparency.

Competitive Advantages
Direct SEPA & SWIFT Access: Eliminates third-party intermediaries, ensuring low-cost, instant transactions.
Established & Growing Business Portfolio: 500+ business clients with predictable revenue streams.
Proven Revenue Model: Stable transaction-based income with high client retention.
Comprehensive Licensing: Covers full payment institution capabilities, including electronic money issuance.
Experienced Team: 18 employees, ensuring efficient operations and regulatory compliance.

The company is seeking:
Strategic investors or partners to expand client acquisition, marketing efficiency, and product innovation.
Full acquisition opportunities, offering an established regulatory framework, direct banking infrastructure, and a profitable business model.
With a direct SEPA connection, expanding client base, and profitability achieved in 2023, the business is well-positioned for further market expansion and revenue growth.