Finland EMI- Electronic Money Institution

A licensed and regulated European financial institution with a growing international presence, this company delivers secure, scalable, and compliant payment infrastructure tailored to modern businesses. With an established foundation as an Electronic Money Institution (EMI) and Money Service Business (MSB), it offers a full spectrum of multicurrency accounts, card issuance, and payment rails that bridge the gap between traditional finance and digital assets.

Offering

SEPA & SWIFT Payments: Full-service inbound and outbound transfers in Europe and globally.
Crypto Rails: Seamless on/off ramps, enabling crypto-to-crypto, crypto-to-fiat, and fiat-to-fiat exchanges.
IBAN Accounts: Dedicated personal and corporate accounts with multi-currency support.
Card Issuing: Integrated card solutions enhancing client flexibility and usability.

Regulatory Strength

Licensed EMI in Finland, passporting to all EU, SEPA INSTANT connectivity, onboarding of clients already started, SEPA CENTROLINK next step.
MSB in Canada, already active onboarding of clients, PSP/RPAA submitted.
Approved as a Virtual Asset Service Provider (VASP) in Lithuania, CASP application ready and to be submitted in days
Demonstrates a strong compliance track record, with dedicated AML/MLRO officers across jurisdictions and a proactive approach to safeguarding client funds.

Business Model & Revenue

The company operates a B2B-focused model, supported by referral agents and partnerships with regulated entities including crypto exchanges, wallets, neobanks, PSPs, and payout platforms.
Revenue is driven primarily by FX services (crypto ↔ fiat, fiat ↔ fiat), with additional income streams from payment processing and account services.

Technology & Infrastructure

Proprietary Core Banking System fully developed and controlled in-house, covering back-office, client web, and mobile apps.
Scalable and secure architecture, with strategic outsourcing only for KYC, cloud hosting, and safeguarding banks.
Ensures full ownership of source code and critical systems, reducing dependency on third parties.
Software for EMI and MSB: Macrobank by Advapay.
SAFE Guarding accounts for EMI and MSB: MAGNETIC BANK

Market & Clients

With an expanding international footprint, the company already serves clients across Europe, North America, and Asia, including jurisdictions such as the UK, UAE, Hong Kong, Canada, and Singapore. Its model positions it well to capture growth in the digital asset and cross-border payments markets.

Team

The organization is led by an experienced executive team with dedicated heads across technology, compliance, finance, partnerships, and operations. A strong development and account management workforce supports scalability while ensuring high-quality service delivery.

Conclusions

This institution combines regulatory credibility, innovative technology, and international reach to position itself as a trusted partner in the evolving digital finance ecosystem. With a proven compliance framework, robust revenue streams, and scalable infrastructure, it is well-placed to attract strategic partners and investors seeking exposure to the intersection of payments and digital assets.