The licensing decision
APPLY or ACQUIRE?
There are two ways to solve many fintech licensing problems. Neither is universally better. The question is: what is speed worth to your company?
COMPARE APPLY VS. ACQUIRE →Lower upfront cost. Build everything yourself. Enter the regulatory queue. Wait.
Acquire an existing regulated business. Due diligence, change-of-control approval — potentially a significantly earlier launch.
If you’ve just raised institutional capital, six or twelve months of additional market access can completely change the economics.
Before you automatically apply, at least calculate the acquisition alternative.
You don't literally “buy a license.” You acquire a licensed company.
In most jurisdictions the transaction is an acquisition of a regulated entity, subject to regulatory change-of-control approval. We manage the commercial process around it.
Identify
We source licensed financial businesses available for acquisition — payments, money transmission, EMI/PI, MSB and more — across multiple jurisdictions.
Evaluate
Commercial and regulatory due diligence: corporate history, compliance infrastructure, banking relationships, what the premium actually buys.
Acquire
Structure the transaction and pursue change-of-control approval — so you enter the market months, not years, from now.
Run the comparison
for your jurisdiction.
COMPARE APPLY VS. ACQUIRE →