Why Estonia for Your Crypto Licence
Estonia gives you a full EU passport from the most digitally-administered base in the bloc, with a corporate tax model that charges nothing on profits you keep inside the company. A Finantsinspektsioon CASP authorisation lets you serve clients across all 30 EEA member states, the filings are accepted in English and run entirely online, and the distributed-profits regime lets a growth-stage operator compound capital tax-free. That combination is why we build serviced licensing here.
The 0% retained-earnings rate is real leverage, but it only works if banking clears at authorisation, and the legacy FIU era still drives elevated due-diligence friction across EU institutions toward Estonian crypto firms regardless of MiCA. We design the banking architecture before we file the licence, not after, and confirm counterparty relationships are feasible before you commit capital, because a licence without operational banking is a certificate on the wall.
A distributed-profits tax model that rewards reinvestment. Estonia taxes corporate profit only on distribution. Retained earnings are taxed at 0%, and distributions at 22/78 of net dividend as of 2026. For a CASP that reinvests to reach institutional scale, the effective income-tax burden on retained earnings is zero, so capital compounds inside the company before any tax leakage. It is a real, quantifiable advantage over a flat-rate jurisdiction, and we structure your entity to use it properly.
Full MiCA passporting from an English-administrable base. A Finantsinspektsioon CASP authorisation confers the full MiCA passport. Under MiCA Article 65, a single notification to the home regulator triggers a 10-working-day transmission to host competent authorities, and the CASP may begin cross-border services 15 calendar days later. The passport reaches all 30 EEA states. Finantsinspektsioon accepts English documents, the e-Business Register operates in English, and from 18 March 2026 every CASP application is filed through the regulator’s online portal, so an Estonian application avoids the translation costs and physical filings that a Lithuanian or Maltese application carries. We run the filing and the passporting notifications for the markets you intend to serve.
An experienced, deliberately selective supervisor. Estonia was the first EU member state to license virtual-currency businesses, the Financial Intelligence Unit issued more than 1,300 operating licences between 2017 and 2019, and the regime was then reset hard: revocations, rising capital and substance bars, and finally the move to Finantsinspektsioon as the sole licensing authority. The regulator now signals quality over volume. You are dealing with a supervisor that knows the sector and rewards a genuinely-prepared application, which is exactly what we build.
Which Business Models Suit Estonia
Estonia fits operators who want a single EU base, full MiCA passporting and a tax model built around reinvestment, and who are willing to maintain genuine Estonian substance. Before we file, we confirm your model maps cleanly onto the MiCA service classes and that the jurisdiction genuinely serves your plan.
- Growth-stage operators reinvesting profit. The distributed-profits model means retained earnings are taxed at 0%, so a business compounding capital toward institutional scale keeps more of it working.
- Exchanges and brokers seeking EU-wide reach. One Estonian licence passports trading, exchange and execution services across the EEA, so you sell into 30 markets from a single base.
- Custody and wallet providers. Class 2 custody authorisation pairs with Estonia’s digital infrastructure and our banking architecture for the operational and safeguarding accounts a custody business needs.
- Founders who want remote, digital administration. e-Residency lets non-resident founders sign and authenticate digitally, and the whole filing runs online and in English.
- × Low-substance, offshore-feel structures. Finantsinspektsioon audits substance directly and inherited a strong scepticism of mailbox companies. If you will not maintain genuine Estonian presence, this is not your jurisdiction, and we will tell you straight.
- × Operators that need a decision before mid-2026. The regulator has signalled that applicants who have not yet filed are unlikely to be authorised before the 1 July 2026 transition deadline. Where speed is decisive, Lithuania may suit better.
- × Tokenised securities or RWA. A MiCA CASP licence does not cover financial instruments. Where your model needs it, we scope the MiFID securities route or EU fund licensing alongside crypto permissions.
What We Do for You
We deliver the licence, we do not hand you a shortlist and step back. From the first scoping call to the day your authorisation publishes, you deal with one accountable firm and our in-country specialists. We file the work and we stand behind it.
- Form your OÜ. We incorporate your Estonian osaühing through the e-Business Register, deposit and segregate the required own-funds at an EEA institution before filing, appoint the management body, and install the key function holders the regime demands.
- Build the compliance suite. We draft every policy bespoke to your model and to Estonian law: the AML/CFT manual under the RahaPTS, enterprise risk assessment, sanctions screening, transaction monitoring, Travel Rule implementation, KYC/KYB, the DORA ICT framework, complaints handling, conflicts of interest and the wind-down plan. Templates from another jurisdiction are the single most common cause of rejection, so we do not use them.
- Establish genuine Estonian substance. We set up the registered office where part of the services are performed, and place the AML/CFT, Compliance and ICT Risk function holders so they are present, contactable and exercising their roles from Estonia. The registered-office test is structural, not formal, and we build to be audited.
- Prepare the people and the proof. We assemble fit-and-proper files for every management-body member, key function holder and qualifying shareholder (10% or more), including the source-of-funds and source-of-wealth evidence the regulator scrutinises.
- File and manage the application. We file through the Finantsinspektsioon online portal on the EBA RTS Annex VI form, pay the €3,000 processing fee, and handle every regulator query and information request through to authorisation, in Estonian where required.
- Arrange banking and run ongoing compliance. We open the operational and safeguarding accounts a CASP needs, starting during the application so banking is ready when your licence is. After authorisation we set up reporting to Finantsinspektsioon, DAC8 obligations and the annual audit cycle so the licence stays in good standing.
We scope and quote each engagement to your specific model and service classes. Tell us what you are building and we will map your route to approval and price it.
Regulatory Framework
The single regulator is Finantsinspektsioon. The single statute is the Krüptovaraturu seadus, which implements MiCA, the EU Transfer of Funds Regulation and the Digital Operational Resilience Act in one Estonian act. The Rahapesu Andmebüroo, the Financial Intelligence Unit, retains only its AML/financial-sanctions supervisory role. We manage both relationships for you.
What a MiCA CASP authorisation gives you
A MiCA Crypto-Asset Service Provider authorisation is the EU-harmonised licence to provide one or more of the ten regulated crypto-asset services to clients in any EEA state. In Estonia it is granted by Finantsinspektsioon under the Krüptovaraturu seadus, the single Estonian act that transposes MiCA, the Transfer of Funds Regulation 2023/1113 and DORA. The licence is granted for an indefinite period, modular by service, and supervised through annual fees rather than periodic renewal. Estonian-incorporated CASPs sit in the distributed-profits corporate tax regime: 0% on retained earnings, 22% on distribution as of 2026.
Estonia introduced virtual-currency service provider authorisation in 2017 and had issued more than 1,300 licences by 2019. Successive reforms then tightened the regime sharply: a 2020 amendment raised the application fee and introduced fit-and-proper checks, a 2022 amendment lifted paid-in capital and implemented the FATF Travel Rule with no de minimis threshold, and by mid-2024 only around 50 active legacy holders remained. The Krüptovaraturu seadus entered into force on 1 July 2024, transferring licensing authority to Finantsinspektsioon and folding three EU instruments into one Estonian statute. Several regimes run alongside the CASP authorisation and we assess them in parallel: the EU Transfer of Funds Regulation (2023/1113), the travel rule applicable from 30 December 2024 with no de minimis threshold; DORA, applicable to all CASPs from 17 January 2025; PSD2 and the Electronic Money Directive, where custody and transfer of E-Money Tokens remain payment services that need a parallel authorisation with no netting of capital floors; and the Estonian RahaPTS, which keeps CASPs as obliged entities with an independent annual AML audit. We classify your tokens and services against these lines before filing, so you are neither under-licensed nor over-licensed.
The 1 July 2026 Transition
There is no automatic conversion from the old regime to the new one. A legacy holder must file a full MiCA CASP application package under the same rules as a new applicant, through the Finantsinspektsioon online portal (mandatory from 18 March 2026) on the EBA RTS Annex VI form with the €3,000 processing fee. Prior FIU authorisation history forms part of the fit-and-proper record but does not shortcut the substantive review. Capital floors are €50,000 / €125,000 / €150,000 by service class under MiCA Annex IV.
A holder that has filed a complete application before the deadline but not yet received a decision may continue existing operations, but may not enter into new client contracts from 1 July 2026 until a decision is issued. That no-new-contracts grandfathering is operationally untenable for any growth-stage business that depends on client acquisition, so the right course is either an immediate filing with documented urgency or an orderly wind-down with client notification and custody return. We tell you straight which one your timeline supports, and we deliver it.
Key deadlines
| Milestone | Date | Impact |
|---|---|---|
| MiCA Title V (CASPs) applicable EU-wide | 30 December 2024 | Start of the transitional clock |
| DORA applicable to all CASPs | 17 January 2025 | ICT framework required at authorisation |
| Online portal mandatory | 18 March 2026 | Paper filings no longer accepted |
| Legacy FIU VASP authorisations cease | 1 July 2026 | Either authorised or wind-down |
Licence Classes and What They Cover
Finantsinspektsioon issues a single MiCA CASP authorisation that is modular by service. You hold authorisation for the specific services you intend to provide, and the riskiest service in the bundle sets your capital class: €50,000 for Class 1, €125,000 for Class 2 and €150,000 for Class 3. Asset-Referenced Token issuance needs a separate authorisation; E-Money Token issuance needs a credit-institution or e-money-institution licence. We confirm the right class for your model before any capital is locked.
| Class | Service | MiCA Reference | What it covers |
|---|---|---|---|
| 1 | Reception and transmission of orders | Art. 3(1)(24) | Receiving client orders and routing them to another CASP or trading platform |
| 1 | Advice on crypto-assets | Art. 3(1)(25) | Personalised recommendations on crypto-asset transactions |
| 1 | Portfolio management | Art. 3(1)(26) | Discretionary management of client crypto-asset portfolios |
| 1 | Execution of orders on behalf of clients | Art. 3(1)(22) | Buying and selling crypto-assets per client instructions |
| 1 | Placing of crypto-assets | Art. 3(1)(23) | Marketing newly issued crypto-assets to investors |
| 1 | Transfer services on behalf of clients | Art. 3(1)(27) | Transferring crypto-assets between addresses for clients |
| 2 | Custody and administration | Art. 3(1)(17) | Safekeeping crypto-assets and private keys for clients |
| 2 | Exchange of crypto-assets for funds | Art. 3(1)(20) | Fiat-to-crypto and crypto-to-fiat conversion |
| 2 | Exchange of crypto-assets for other crypto-assets | Art. 3(1)(21) | Crypto-to-crypto conversion |
| 3 | Operation of a trading platform | Art. 3(1)(18) | Operating an exchange matching buy and sell orders |
Some activity sits outside MiCA entirely: pure peer-to-peer transfers between self-hosted wallets, non-custodial software the user runs without the provider holding keys, validator and mining operations, and genuinely unique NFTs (unless issued in large series, fractionalised or functioning as payment or investment instruments). Tokenised securities that meet the financial-instrument test follow MiFID II, the Prospectus Regulation and the EU DLT Pilot Regime under MiCA Article 2(4), not MiCA. A non-EEA provider may serve an Estonian client only where the client initiates the service entirely on its own initiative; the reverse-solicitation exemption is narrow and any EU-targeted marketing voids it. We map your activity to the correct perimeter and, where you need systematic EEA access, deliver the CASP authorisation. See the dedicated reverse solicitation under MiCA guide.
What Finantsinspektsioon Requires
Two requirements decide whether an Estonian CASP application succeeds: paid-in capital genuinely deposited and segregated at an EEA institution before filing, and an Estonian operational substance the regulator can audit. Everything else, including governance, fit-and-proper, AML/CFT and DORA, is exacting but conventional. The first two are where applications most often fail, and they are where we do the work that clears.
| Requirement | Specification |
|---|---|
| Entity form | Estonian osaühing (OÜ) or aktsiaselts (AS) |
| Registered office | In Estonia, where at least part of the services are performed |
| Minimum capital | €50,000 / €125,000 / €150,000 by service class (MiCA Annex IV) |
| Own-funds higher-of test | Higher of the class floor or one quarter of the preceding year’s fixed overheads (MiCA Article 67) |
| Capital deposit | Cash, pre-deposited at an Estonian or EEA-passporting credit, e-money or payment institution before filing |
| EU residency | At least one director ordinarily resident in the EU (MiCA Article 59(2)) |
| Foreign ownership | 100% permitted; UBOs disclosed; qualifying shareholders fit-and-proper assessed |
| Key function holders | AML/CFT Officer, Compliance Officer, Risk Officer, ICT Risk Officer, Internal Auditor |
| Application fee | €3,000 |
| Audit | Annual statutory audit of financial statements; annual independent AML/CFT audit expected |
Fit-and-proper and source of funds
Finantsinspektsioon conducts a substantive fit-and-proper review of every management-body member, key function holder and qualifying shareholder (10% or more), assessing knowledge and experience, good repute, time commitment, financial probity and the absence of prior regulatory sanction. The regulator looks closely at how the team’s combined experience maps to the specific services applied for, and at source of funds and source of wealth for owners. This is where applications most often collapse, so we build these files properly, with the tax records, bank statements and employment history that stand up to scrutiny rather than a single certificate of deposit.
Real substance, not a letterbox
The registered-office requirement is structural, not formal. Finantsinspektsioon inherited a strong scepticism of mailbox structures from the 2022 RahaPTS reforms, and post-authorisation supervision tests substance directly. The binding constraint is the operational ability to evidence that the AML/CFT, Compliance and ICT Risk function holders are present, contactable and exercising their functions from Estonia. We establish the office where part of the services are performed and place the function holders so the substance test is met, not finessed.
AML/CFT, sanctions and the Travel Rule
The RahaPTS keeps CASPs as obliged entities under Finantsinspektsioon supervision. The EU Transfer of Funds Regulation applies with no de minimis threshold, so originator and beneficiary information must accompany every CASP-to-CASP transfer. Customer due diligence follows the EBA Guidelines on ML/TF risk factors, with enhanced due diligence triggered by high-risk jurisdictions, politically exposed persons, complex ownership structures and privacy-enhancing technologies. Suspicious activity reports are filed to the Financial Intelligence Unit through the goAML system. We build all of this into your compliance suite and reporting set-up.
Application Process and Timeline
The realistic end-to-end timeline is 6–12 months. The statutory window is approximately 65 working days (25 for completeness plus 40 for substantive review), with a 20-working-day pause for additional-information requests; most of the calendar time before that is preparation, which cannot be rushed with off-the-shelf templates. We run the whole sequence and keep the regulator’s clock moving, and we tell you straight whether your case can realistically clear before the 1 July 2026 transition deadline.
Stage 1 2–6 weeks
We form your OÜ and deposit capital
We incorporate the osaühing through the e-Business Register (see our Estonia company formation service), deposit and segregate the €50,000–€150,000 own-funds at an EEA institution, appoint the management body and key function holders, and establish the registered office.
Stage 2 6–10 weeks
We build the compliance suite
We draft the full bespoke documentation set under the Krüptovaraturu seadus and the related RTS, plus your programme of operations, three-year projections and DORA ICT framework. This is the work that wins or loses the application, and it cannot be templated.
Stage 3 2–4 weeks (parallel)
We open banking
We arrange the operational account and the safeguarding relationship a CASP needs, running it in parallel so banking is not a bottleneck at authorisation.
Stage 4 1–2 weeks
We finalise the substance and the people
We place the function holders so they are present and contactable from Estonia, and assemble the fit-and-proper and source-of-funds files that decide most Estonian applications.
Stage 5 1 week
We file
We submit the complete application and annexes through the Finantsinspektsioon online portal on the EBA RTS Annex VI form and pay the €3,000 processing fee.
Stage 6 65 working days statutory
We manage assessment to a decision
We handle the completeness check and every information request through substantive assessment. On authorisation, your licence is published in the Estonian register and notified to ESMA for the EU-wide register.
Taxation
Estonia is a distributed-profits jurisdiction, and it is the single biggest reason operators reinvesting profit choose it. Corporate tax is 0% on retained profits and 22/78 of net dividend on distribution as of 2026. For a CASP that reinvests, the effective income-tax burden is zero; for one that distributes, the rate is competitive within the EU. Value-added tax on taxable services is 24%, but fiat-to-crypto exchange is VAT-exempt under the CJEU Hedqvist ruling. We structure your entity to use the model properly.
| Tax | Rate (as of 2026) | Crypto application |
|---|---|---|
| Corporate income tax on retained profits | 0% | No tax until distribution |
| Corporate income tax on distributions | 22/78 of net dividend | Applies on payment of dividends |
| Personal income tax (resident individuals) | 22% flat | Crypto gains via MiCA-authorised provider treated as financial assets |
| Value-added tax (standard) | 24% | Custody and technical wallet services taxable; fiat–crypto exchange exempt per CJEU Hedqvist |
| Withholding tax on dividends | 0% on dividends from Estonian-taxed profits | No additional WHT |
| Payroll tax (social tax) | 33% | On gross salaries to Estonian-resident employees |
Crypto-assets acquired through a MiCA-authorised provider are treated as financial assets for Estonian personal income-tax purposes and may be held in the investment-account system for tax deferral. The EU DAC8 directive applies to crypto-asset service providers from 1 January 2026, so every Estonian CASP must capture and report reportable user information and transactions from that date, and we build the reporting into your set-up. The EU Pillar Two 15% global minimum tax applies only to multinational groups above €750 million in consolidated revenue, a threshold that rarely touches a standalone CASP in its growth phase.
Ongoing Compliance and DORA
The authorisation is indefinite, but supervision is active. CASPs file annual audited financial statements and capital-adequacy and activity reports to Finantsinspektsioon, run an independent annual AML/CFT audit, report AML matters to the Financial Intelligence Unit, and pay an annual supervision fee rather than a renewal fee. The regulator runs scheduled and unscheduled inspections covering AML/CFT, client-asset segregation, cybersecurity and governance, and tests substance directly. We set up the reporting calendar and stay on as your standing compliance partner, so the structure, capital and documentation quality that won the licence stay in place.
DORA and ICT resilience
The Digital Operational Resilience Act applies to every MiCA CASP and has done since 17 January 2025, with Finantsinspektsioon as enforcer. It sets five pillars: ICT risk management, incident reporting, resilience testing, third-party ICT risk and information sharing. Major incidents must be reported on a tight clock, and custody operators must run segregated hot and cold wallet architecture with multi-signature controls and documented key management. We build the DORA framework into your application and operationalise it after.
Banking
Banking is the constraint that turns an Estonian licence into a working business, and it is part of what we deliver. A Finantsinspektsioon authorisation opens the conversation with credit institutions and licensed EU EMIs, but it does not guarantee approval: counterparties evaluate asset mix, expected volume, capital and runway, and AML/CFT control quality.
The legacy of the 2017–2022 FIU era still drives elevated counterparty due diligence across EU institutions toward Estonian-licensed crypto firms, regardless of the new MiCA architecture. A resilient design combines an operating account at an Estonian or EEA-passporting credit institution, a client-money safeguarding account where bank-level segregation is required, a licensed EU EMI for SEPA redundancy, and a specialist EEA acquirer for card on-ramps where applicable. The real constraint is concentration risk: a single-institution architecture cannot survive a de-banking event. The same AML/CFT, sanctions and Travel Rule documentation we build for the regulator doubles as the banking due-diligence pack. We open and drive these conversations during the application phase, so banking lands when your licence does.
How Estonia Compares
Estonia competes most directly with Lithuania (the deep fintech ecosystem), Cyprus and Malta (the established crypto centres), Gibraltar and Poland, and Switzerland (the premium non-EU base). Each route has its trade-offs on cost, timeline, tax and regulatory maturity. We deliver crypto licensing in all of them, so the comparison below is honest rather than a sales funnel: where another jurisdiction fits your model better, we will tell you and file there instead.
| Factor | Estonia | Lithuania | Cyprus | Malta | Gibraltar | Poland | Switzerland |
|---|---|---|---|---|---|---|---|
| Licence | MiCA CASP | MiCA CASP | MiCA CASP | MiCA CASP | MiCA CASP | MiCA CASP | DLT/FINMA (non-EU) |
| Regulator | Finantsinspektsioon | Bank of Lithuania | CySEC | MFSA | GFSC | KNF | FINMA |
| Timeline | 6–12 months | 4–8 months | 6–10 months | 9–18 months | 6–12 months | Not yet operational | 9–18 months |
| Min. Capital | €50k–€150k | €50k–€150k | €50k–€150k | €50k–€150k | €50k–€150k | €50k–€150k | CHF 100k–higher |
| Corporate Tax | 0% retained / 22% distributed | 17% flat | 12.5% flat | ~5% effective (refund) | 12.5% flat | 19% / 9% small | ~12–14% effective |
| EU Passporting | Yes. Full MiCA | Yes. Full MiCA | Yes. Full MiCA | Yes. Full MiCA | Yes. Full MiCA | No (legislation blocked) | No (third country) |
| Best For | Reinvesting operators wanting a digital EU base | Cost-conscious, payment-adjacent EU reach | EU base with established financial services | Established exchanges; English-language | EU base with a crypto-experienced regulator | On hold pending MiCA implementation | Premium non-EU base, institutional weight |
The key difference: Estonia is the only one of the EU peers that charges 0% corporate tax on retained profit, which is decisive for an operator reinvesting toward scale. Lithuania reaches a decision faster and suits payment-adjacent operators; Cyprus and Malta offer established financial-services depth and English-language proceedings; Gibraltar pairs full MiCA passporting with a crypto-experienced regulator; Poland still has no MiCA-implementing legislation and no CASP route; and Switzerland is a premium non-EU base without the MiCA passport. We deliver in each of these, so the choice is matched to your model, not to ours.
Need a decision faster? Consider Lithuania
If reaching authorisation quickly matters more than 0% tax on retained profit, Lithuania’s 4–8 month route from a deep fintech ecosystem can suit better. We deliver it directly.
Frequently Asked Questions
What does Tomberg & Partners actually do for an Estonian CASP licence?
We deliver the whole process and stand behind it. We form your Estonian osaühing, deposit and segregate the own-funds, appoint the management body and the key function holders, build the full bespoke compliance suite, file with Finantsinspektsioon through the regulator’s online portal, and manage every question through to authorisation. We establish the genuine Estonian substance the regulator audits, arrange banking, and set up ongoing reporting. You deal with one accountable firm and our in-country specialists, not a chain of intermediaries. Contact us and we will scope your case.
How much does it cost?
It depends on your service classes, structure and complexity, so we scope each engagement and quote it rather than publish a number. Capital is set by MiCA and locked in your own company: €50,000 for Class 1, €125,000 for Class 2 and €150,000 for Class 3. Finantsinspektsioon also charges a €3,000 application fee. Tell us what you are building for a quote.
Can a non-resident found an Estonian CASP entirely remotely via e-Residency?
A non-resident can incorporate an Estonian osaühing remotely via e-Residency, sign documents digitally and authenticate to the online portal, and we run that process for you. But e-Residency does not substitute for operational substance. Finantsinspektsioon requires a registered office in Estonia where at least part of the services are performed, key function holders reachable in Estonia, and at least one director ordinarily resident in the EU under MiCA Article 59(2). Fully remote models with no on-the-ground presence fail the substance assessment, so we build genuine, auditable substance into your structure from the outset.
Does an Estonian MiCA CASP licence cover tokenised securities?
No. MiCA Article 2(4) excludes crypto-assets that qualify as financial instruments, so a tokenised security (share, bond or fund unit) is regulated under MiFID II, the Prospectus Regulation and the EU DLT Pilot Regime instead. An Estonian CASP authorisation does not permit issuing or trading tokenised securities. Where the wrapper is a tokenised fund unit, we scope the securities route or pair it with EU fund licensing alongside crypto permissions.
How long does it take to obtain authorisation?
6–12 months end-to-end. The statutory window is approximately 65 working days (25 for completeness plus 40 for substantive review), with a 20-working-day pause for additional-information requests, and most of the calendar time before that is preparation. We run the schedule and keep the regulator’s clock moving, and we tell you straight whether your case can realistically clear before the 1 July 2026 transition deadline.
What happens to existing FIU authorisations on 1 July 2026?
All FIU-issued authorisations cease to have effect on 1 July 2026. There is no automatic conversion. A legacy holder must file a complete Finantsinspektsioon CASP application under the same rules as a new applicant, with the €3,000 fee. A holder that has filed a complete application before the deadline may continue existing operations but may not enter into new client contracts until a decision is issued. We file the full application for you and run the transition, whether you are a legacy holder or building from scratch.
Does Estonia have a higher-of own-funds requirement under MiCA Article 67?
Yes. Every CASP must hold prudential safeguards equal to the higher of the Annex IV class floor (€50,000 / €125,000 / €150,000) or one quarter of the preceding year’s fixed overheads. ESMA has clarified that fixed overheads are calculated from total overhead expenses, with only the deductions in Article 67(3)(a)–(d) permitted. A Class 2 CASP with €1.5 million in annual operating costs faces a higher-of test of €375,000, well above the €125,000 class floor. We size the capital before you lock it up.
Get an Estonia crypto licence quote
We form your OÜ, build the compliance suite, file with Finantsinspektsioon, obtain the licence and arrange banking. Tell us what you are building and we will map your route to approval and quote it.
Banking & Payments
A company and a licence still need a bank account
Banking is one of our three core services. We help high-risk and regulated businesses open the bank and payment accounts that others refuse: we work directly with EU EMIs, payment institutions and crypto-aware banks, confirm appetite before you apply, and make the introduction. Take it with your company and licence, or on its own.
Related Services
- Estonia Company Formation: Estonian OÜ incorporation, registered office and e-Residency-enabled administration
- Lithuania CASP Licensing: the most direct EU peer, with a faster decision timeline
- Crypto Licensing Overview: VASP, CASP and MiCA explained across jurisdictions
- Reverse Solicitation Under MiCA: what ESMA’s guidelines mean for non-EEA operators