UK FCA Authorised E-Money Institution (AEMI) License #1007 For Sale

Overview An FCA Authorised Electronic Money Institution (AEMI), licensed since 2020, is now available for acquisition. This institution is authorised to issue electronic money (e-money) and provide a wide range of regulated payment services.

Regulated Payment Services The institution has been permitted to issue electronic money (e-money) and provide the following regulated payment services:

• Services enabling cash placement on a payment account
• Services enabling cash withdrawals from a payment account
• Execution of payment transactions (not covered by a credit line)
• Execution of payment transactions (covered by a credit line)
• Issuing payment instruments or acquiring payment transactions
• Money remittance
• Issuing electronic money

Operational Overview

• Minimal operational costs with no employees (except two directors).
• Change of control will require the replacement of both directors.

Key Features

• Card Issuing: 1,000 branded cards available (provided by another FCA AEMI), with potential expansion to UnionPay, VISA, and acquiring services.
• IBAN Services: Issued through an intermediary.
• Supported Currencies: EUR and GBP transactions.
• Payment Processing: Managed via intermediaries.
• Regulatory Capital: Maintained in a secure bank account.
• Safeguarding Account: Held at LPB Bank in Latvia.

Business Model This Authorised EMI operates on a technology-driven e-money model, offering a faster and more efficient alternative to traditional banking. The company focuses on:

• Ensuring financial stability with adequate regulatory capital.
• Providing a secure and seamless digital payment experience.
• Offering comprehensive safeguarding measures to protect client funds and data.

Target Market The AEMI is well-positioned to serve:

• Individual clients across the UK and EU.
• Small & Medium-Sized Enterprises (SMEs) seeking innovative payment solutions.
• Selected large businesses requiring personalized and scalable financial services.

E-Wallet Benefits

• Quick registration – start processing payments within minutes.
• No identity verification required for small transactions.
• Easy fund management, including multi-currency capabilities.
• Integration with Visa Money Transfer and MasterCard Money Send.
• Fast merchant ID issuance and user-friendly platform.
• Supports payments to mobile numbers and emails.
• Fully functional on both iOS and Android.

Product Functionality & Services Designed to cater to underbanked individuals, freelancers, tech start-ups, and large enterprises, this AEMI license enables businesses to offer comprehensive e-money services, including: ✔ Business and private account openings
✔ Fund placement and verification
✔ P2P (peer-to-peer) and P2B (peer-to-business) transactions
✔ Withdrawals and non-cash transfers
✔ Recurring payments
✔ Currency exchange services
✔ Internal & external payments (SWIFT/SEPA)
✔ Corporate and private payment cards
✔ E-commerce solutions tailored for businesses

This is a rare opportunity to acquire a fully licensed FCA AEMI, ready to operate and expand in the FinTech space. For more details or to discuss the acquisition process, contact us today!