Most fintechs rent their rails. This one owns them. Unitque opportunity to buy a EU EMI for Sale with Visa and CentroLink. In a market saturated with payment startups glued to third-party infrastructure, here’s a rare opportunity to acquire a fully licensed European EMI — with proprietary tech, direct SEPA access (including Central Bank EKS rail), and a Visa Principal Membership already in the pipeline.
This isn’t a dormant license or a “project with potential.” It’s a live, revenue-generating EMI headquartered in Latvia with:
🚀 Highlights at a Glance
💰 Price: €2.9M (capital not included) / €3.5M (capital included — €600k fully paid-in)
🏛 License: Latvian EMI License — clean compliance record, no liabilities
💻 Tech Stack: 100% in-house — core banking, frontend, CRM, SEPA engine, KYC/AML (SumSub), card stack
🖥 Client Portal: Live — supports accounts, cards, payments
🔗 SEPA:
- Via Magnetiq Bank – operational
- Via Latvia Central Bank (EKS) – live in Aug 2025 at €0.006/transaction (likely cheapest in Europe)
💳 Visa Card Issuing: - Visa Principal Membership – test mode active
- Full go-live by Q4 2025 included
🏪 Distribution: - Digital onboarding across EU for retail & SME
- 350+ physical sales points in Latvia – bill payments, voucher sales
📈 Operations: - Monthly burn: €30K–€35K
- Turnover = burn (break-even point already reached)
👨💼 Staff: 6 core people (CEO, COO, CCO, CTO, 2 key staff) — team may remain post-sale
🧱 What You Own
- Core banking backend
- KYC/KYB stack + transaction monitoring engine
- SEPA rails & card issuing infra
- CRM & client portal
- Full IP rights — no SaaS dependency
- Physical and digital distribution infrastructure
📍 Banking & Regulatory Setup
- Regulated in Latvia
- Banked with:
- Magnetiq Bank
- Industra Bank
- SEPA Direct via Central Bank (EKS) — confirmed August 2025
🔚 Conclusion
This is a turnkey payments business for serious players who want to:
- Operate a regulated EU EMI without building from scratch
- Launch direct SEPA at ultra-low cost
- Issue cards under a Visa Principal license
- Tap into a hybrid retail + digital model for fast user acquisition
- Control the full stack — from onboarding to card issuing to settlement
No technical dependency. No compliance headaches. No licensing delays.
Just a clean, compliant EMI — operational, scalable, and EU-ready.
📩 For the full deal deck or to schedule a discussion, DM me at insight@fintechlex.com
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