Fintech Licensing Resources

Use these resources to understand which regulatory permission your fintech needs, where to apply and how licensing should fit into the wider launch plan. The collection is written primarily for founders, directors and operators preparing to establish a regulated payments, e-money, crypto or financial-services business.

The guides cover European EMI and PI authorisation, CASP licensing under MiCA, Swiss SRO membership, jurisdiction selection and multi-jurisdiction expansion. They examine questions such as regulatory perimeter, initial capital, local substance, governance, application documentation, authorisation timelines and the difference between registration, membership and a full financial-services licence.

Licensing should not be planned in isolation. The selected jurisdiction and permission affect banking access, safeguarding, payment rails, technology requirements, staffing and the services a business can legally provide. These resources therefore connect the regulatory process with the practical work required to become operational. They draw on Advapay's experience supporting fintech companies with licensing strategy, application preparation, operational setup, core banking technology, compliance arrangements, account opening and access to financial infrastructure across several regulated markets.