National Payment Institution for sale

KIP (Krajowa Instytucja Płatnicza – National Payment Institution) license available for sale

It's a dividend-generating company.

The company has year-over-year revenue growth, with approx. PLN 1 billion in annual FX turnover.
The operation is largely automated: fewer than 10 employees can handle the entire business, with the ability to further scale turnover without increasing costs.

The company has no liabilities and has been continuously profitable since 2020, distributing dividends to its founders every year.

It can also be seen as a fintech business, as it has fully tested software (proven across 13 deployments) for rapidly launching white-label online currency exchange platforms for various partners.

Licensed services include:
• Accepting and withdrawing cash on a payment account, and all actions necessary for maintaining such an account
• Executing payment transactions, including transfers to payment accounts with the user’s provider or another provider using a payment card or similar instrument
• Executing payment transactions, including transfers to payment accounts with the user’s provider or another provider through credit transfers, including standing orders
• Issuing payment instruments
• Providing money remittance services