Lithuania EMI- Electronic Money Institution

A digital payments provider with EU passporting offering corporate banking-style services to high-risk and specialized segments. The platform supports crypto, gaming, regulated FX, e-commerce, and digital marketing industries, with a focus on scalable money movement infrastructure for international clients.
The company provides dedicated IBANs, mass payments, card issuing capabilities, and multi-currency accounts, backed by safeguarding arrangements in reputable EU banks. While currently not profitable due to a strategic shift away from white-label partnerships, the business is positioned to capitalize on direct client onboarding and institutional demand.

Client & Market Focus
Primarily corporate clients
Specialization in high-risk & regulated sectors:
Crypto-related businesses
Licensed FX operations
Online gaming & gambling
E-commerce & digital marketing industries

Product Offering
Corporate dedicated IBAN accounts (SEPA & SWIFT)
Multi-currency accounts
Mass-payments functionality
Mobile applications: iOS & Android
Core banking via trusted third-party provider with proprietary software layer
Card issuing:
Visa & Mastercard sponsorship
Option for white-label Visa card solutions

Current Status
Historically focused on white-label services; business model shift following regulatory changes
Currently not profitable as it transitions to direct B2B client acquisition
130 active clients

Financial data

Sales revenue:
2022 - 1,790,066;
2023 - 2,057,393;
2024 - 1,462,685,
2025 - 2,300,000;
2026 - 3,100,000

EBITA:
2022 - (605,398);
2023 - 206,920;
2024 - (553,976),
2025 -100,000;
2026 - 500,000

Profit:
2022 - (629,364);
2023 - (137,074);
2024 - (553,976);
2025 - 100,000;
2026 - 500,000

Regulatory Licenses & Services
Services enabling cash to be placed on a payment account as well as all the operations required for operating a payment account.
Services enabling cash withdrawals from a payment account as well as all the operations required for operating a payment account.
Execution of payment transactions, including transfers of funds on a payment account with the payment service provider of the payment service user or with another payment service provider: execution of direct debits, including one-off direct debits, execution of payment transactions through a payment card or a similar device and/or execution of credit transfers, including standing orders.
Execution of payment transactions where the funds are covered by a credit line for a payment service user: execution of direct debits, including one-off direct debits, execution of payment transactions through a payment card or a similar device and/or execution of credit transfers, including standing orders.
Issuing of payment instruments and/or acquiring of payment.
Money remittance.
Issuing of electronic money.
Distribution and redemption of electronic money.

Conclusion
A fully passported EU digital payments institution with robust licensing, banking partnerships, and infrastructure serving high-risk corporate verticals. With established SEPA/SWIFT access, safeguarding accounts in reputable EU banks, card issuing capabilities, and an industry-ready technology stack, this institution offers a strategic platform for investors or partners seeking regulated payment rails.