Exploring the EMI License in Malta: A Gateway to Fintech Innovation

Код продаж 20 июля 2023 г.

Malta has emerged as a leading jurisdiction for fintech companies, offering a favorable environment for innovation and growth. The Electronic Money Institution (EMI) License plays a crucial role in this ecosystem. In this article, we will delve into the EMI License landscape in Malta, its significance for fintech companies, and the benefits it offers in driving fintech innovation.

The EMI License in Malta: An Overview

  • The EMI License is a regulatory authorization issued by the Malta Financial Services Authority (MFSA).
  • It allows non-banking institutions to provide electronic money services, issue electronic money, and conduct other financial activities within Malta.

Benefits of the EMI License in Malta

  1. Fintech-Friendly Regulatory Environment:
  • Malta has established a progressive and supportive regulatory framework for fintech companies.
  • The MFSA provides clear guidelines and regulatory support, fostering innovation and entrepreneurship.
  1. Passporting Rights within the European Union:
  • The EMI License issued by the MFSA in Malta provides passporting rights within the European Union (EU).
  • This allows EMI License holders to expand their operations and offer their services across EU member states without the need for separate licenses.
  1. Access to Malta's Fintech Ecosystem:
  • Malta's thriving fintech ecosystem provides a supportive network and opportunities for collaboration and growth.
  • Holding an EMI License in Malta enables fintech companies to tap into this ecosystem and benefit from industry partnerships.

Obtaining an EMI License in Malta

  1. Eligibility and Application:
  • Applicants must meet the eligibility criteria set by the MFSA, including financial stability and suitable ownership structure.
  • The application process involves submitting a detailed business plan, compliance documentation, and evidence of robust risk management systems.
  1. Regulatory Assessment and Approval:
  • The MFSA conducts a thorough assessment of the application, including due diligence checks on directors and shareholders.
  • The regulatory assessment ensures compliance with regulatory obligations and consumer protection measures.
  1. Ongoing Compliance and Reporting:
  • EMI License holders in Malta must adhere to ongoing reporting requirements, including financial reporting and compliance with anti-money laundering (AML) regulations.
  • Regular engagement with the MFSA is essential to stay updated on regulatory changes and maintain compliance.


The EMI License in Malta provides fintech companies with a gateway to the EU market and access to a supportive regulatory environment. With its fintech-friendly framework, passporting rights, and opportunities for collaboration, the EMI License plays a pivotal role in driving fintech innovation, fostering growth, and contributing to the evolution of the financial industry in Malta.


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