Short technical notes prepared by our coordination team. Not legal advice. Issued for the orientation of clients, counterparties and licensed professionals working alongside us.
Europe is living through a period in which fiscal pressure and regulatory density are rising in parallel. History offers a reasonably consistent lesson about what happens to capital, enterprise and talent when the two tighten together.
Capital mobilityFor a group that needs a regulated foothold in European payments, foreign exchange or e-money, the question is rarely whether to be licensed — it is whether to apply for a new authorisation or acquire an existing one.
Acquisitions & FXA practical note on what changed on 30 December 2024, what the transitional window means in practice until 1 July 2026, and how operators that were already lawfully providing services should approach the period that remains.
Crypto-asset regulationThe capital threshold is the most cited difference between an EMI and a PI licence in Lithuania. It is not the most consequential. The relevant question is what the business intends to do with client funds — and that decision dictates the entire authorisation file.
Payments & E-MoneyA practical observation from coordinating onboarding files for cross-border corporate operations: the documents do not speak for themselves, and the gap between what an applicant believes is sufficient and what a regulated counterparty actually needs is the most common reason a file stalls.
Counterparty due diligence