UK EMI- Electronic Money Institution for sale

A B2B-focused regulated EMI is available for investment or acquisition. With a robust FasterPayments, BaCs, Chaps, SEPA & SWIFT as well as FX integrations via IFX & ClearJunction, the company supports transactions in 21 currencies and offers IBAN issuing across 47 jurisdictions.

A fully operational business with 1,500 active clients, it generates €40,000 in monthly revenue while maintaining a low-risk client portfolio.

The company is in the process of applying for a MasterCard principal membership and also has a CBA agreement directly with Mastercard.

The company also holds a PI license in Dubai and is in the process of obtaining an MSB license in Canada to expand its operations.

Key Highlights
Regulated & Licensed – Fully compliant with financial regulations, offering secure and seamless B2B payment solutions.
IBAN Issuing Capabilities – Provides GB IBANs for business accounts.
Revenue & Cost Structure
Operational Costs: €80,000 per month
Proprietary Software – Fully developed in-house payment, compliance and back-office technology, allowing scalability and customization.
Low-Risk Clientele – Serving business clients with stable financial backgrounds, reducing compliance exposure.
The process to obtain Principal Membership with Mastercard is underway.
The company has a comprehensive suite of internal policies (AML, KYC, CTF, risk management, information security, etc.), managed by the HoC/MLRO.

Company Capital Structure
The current cap table is available in the data room. The company has two classes of shares:
1. Ordinary Voting Shares
2. Class A Shares — non-voting, non-dividend bearing.
All capital has been fully paid in cash.

Correspondent Banks and Service Fees
IFX- payment processor and multi-currency FX for 20 jurisdiction such as the UK, BVI, Isle of Man, Jersey, Gurnsey, Seychelles, Israel, Mexico, Canada etc.
ClearJunction – payment processing and FX in GBP, EUR, USD to allow onboarding of the EU entities
Dukascopy – Swiss Safeguarding Bank partner allowing safeguarding of 21 currencies
WealthKernel – UK Safeguarding Bank Partner
BlackRock - interest-bearing accounts in GBP, EUR & USD

Core Activities
Services enabling cash placement on a payment account – Allowing businesses to deposit funds securely.
Services enabling cash withdrawals from a payment account – Facilitating business withdrawals with multi-currency support.
Execution of payment transactions (not covered by a credit line) – Secure transaction processing for B2B clients.
Execution of payment transactions (covered by a credit line) – Enabling credit-backed transactions.
Issuing payment instruments & acquiring payment transactions – Offering digital wallets, IBAN services, and payment processing.
Money Remittance – Cross-border payments through SEPA & SWIFT banking integrations.
Issuing Electronic Money (E-Money) – Providing secure and compliant e-money solutions for business transactions.

The company presents an attractive opportunity for:
Fintech investors & financial institutions seeking a ready-to-scale payment provider.
Businesses looking for an IBAN issuing platform to expand their banking capabilities.
Firms interested in the B2B payments sector, offering SEPA, SWIFT, and card issuing solutions.