🇨🇾 Established Cyprus EMI (Electronic Money Institution) – For Sale

An attractive opportunity to acquire a Cyprus-based Electronic Money Institution (EMI), fully licensed and operational, offering a compliant entry point into the EU’s regulated financial ecosystem.

✅ License & Regulatory Status License Type: Electronic Money Institution (EMI)

Jurisdiction: Cyprus

Regulator: Central Bank of Cyprus

License Issued: Several years ago (exact date available under NDA)

Status: Active and in good regulatory standing

EEA Passporting Eligibility: Yes, license permits expansion across the European Economic Area

🏦 Banking Relationships The company maintains bank accounts with multiple local financial institutions, enabling a stable infrastructure for euro-denominated payments and settlements.

These accounts support both operational needs and future client fund segregation requirements.

💻 IT & Payment Infrastructure The EMI has developed its own proprietary IT systems, including core processing and compliance modules.

The infrastructure is fully integrated, with connectivity for external APIs and support for real-time transaction processing.

A branded mobile application is also in place, designed to facilitate user-friendly payment services and account access.

👥 Client Relationships The entity is currently “client-free,” meaning it has no long-term or legacy customers, no open accounts, and no ongoing transactions.

This provides a clean slate, allowing a buyer to reposition or launch the business under their own strategy without inheriting liabilities or compliance exposure.

👨‍💼 Key Personnel & Governance The EMI has a team of qualified local directors and staff in place.

Key personnel have indicated a willingness to consider offers to stay onboard, subject to the acquiring party’s plans. This presents an opportunity for operational continuity and regulatory familiarity post-acquisition.

💸 Financial Overview Monthly Operating Costs: Approximately €35,000, covering:

Salaries for essential staff

Office lease and facilities

Technology maintenance and compliance costs

The cost structure reflects a lean yet capable setup, scalable depending on the buyer’s operational vision.

🌍 Strategic Opportunity Ideal for fintech companies, PSPs, neobanks, or global investors looking to fast-track EU market entry.

Eliminates the lengthy and complex EMI licensing process (often 12–18 months).

Offers a turnkey structure, ready to onboard clients and integrate services with minimal setup.

Next Steps:

Full documentation, financials, and technical details available upon signing of an NDA and submission of proof of funds.