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Five questions on your business, your customers and your plans. The result shows the licences that fit, with the regulator, the minimum capital, the regulator’s fee and a realistic timeline for each.
Five questions on your business. The result appears on this page, with the figures from each licence guide.
Send your answers and this result. We reply within three business hours, and the written proposal follows the same day: the licence, the requirements, the cost and the timing.
Selected engagements from more than 250 licences obtained since 2013, for payment, e-money and cryptoasset firms.
Volkswagen
Payment InstitutionObtained Nexpay’s FCA Authorised Payment Institution licence.
Electronic Money InstitutionObtained Dzing Finance’s FCA Authorised Electronic Money Institution licence.
Obtained Orbital’s FCA Authorised Payment Institution licence.
The finder applies the rules in our licence guides to your answers. Each answer narrows the choice.
Every figure comes from our licence guides, which draw on each regulator’s own publications. The result is guidance from your answers; the written proposal confirms the licence and the route for your business.
The main licence for each kind of business in each region, as the finder recommends it. Open a guide for the capital, fees, timeline and steps.
Where a market has a small and a full licence, both are listed. Capital, fees and timelines for every licence are compared on the licensing page.
It depends on where the customers are. In the UK, a small payment institution registration covers payments up to €3 million a month on average, with no initial capital and a £1,130 fee; above that, an authorised payment institution licence needs €20,000 to €125,000 of capital. In the EU, one payment institution licence is passported across the EU and EEA. In the US, firms hold state money transmitter licences and register with FinCEN.
In the UK, a small payment institution handles payments up to €3 million a month on average, and a small EMI holds customer e‑money up to €5 million on average; both cover the UK only. In Singapore, the standard payment institution licence applies below S$3 million a month per service, S$6 million across services and S$5 million of daily e‑money; above those levels the major payment institution licence applies.
Most regulators require their own licence to serve customers in their market. The main exception is the EU, where one licence can be passported to every EU and EEA country. The UK needs its own FCA licence, 49 US states, DC and Puerto Rico each require a money transmitter licence, and FINTRAC registers foreign firms that serve customers in Canada.
Our realistic timelines run from two to three months for a Hong Kong money service operator licence or a Seychelles securities dealer licence, to six to eight months for a UK EMI licence and 12 to 18 months for a Hong Kong crypto trading platform licence or a New York BitLicense. The finder compares each timeline with your launch date.
In the UK, FCA cryptoasset authorisation: applications close on 28 February 2027 for the regime that starts on 25 October 2027. In the EU, MiCA authorisation in one EU country, passported across the EU; national transition periods ended on 1 July 2026. In the US, state money transmitter licences, FinCEN registration and, for New York residents, a BitLicense. In Dubai, a VARA licence, and in Hong Kong, an SFC trading platform licence.
No. It applies the rules in our licence guides to your answers, and every figure comes from those guides, which draw on each regulator’s own publications. The written proposal confirms the licence, the requirements and the timing for your business.
Tell us what you need and where you operate.