Licensing · Compliance
Choosing the regulator sets your tax, your banking and how fast you can launch. We make that call with you, then carry the filing through to the permit.
Jurisdictions
There is no best licence, only the one that fits your markets, your payment stack and how much scrutiny you are prepared to carry.
cw
One licence covering every vertical, which is why it suits a first launch and a business already scaling. The 2024 reform gave it a real regulator, so the file takes more work than it used to and the result is worth more.
km
The quickest and cheapest way to a live project. Choose it when time to market matters more than the name in your footer, and plan the banking around its limits.
ca
An alternative to the classic offshore names, useful when you would rather not sit on the same register as everyone else. Similar economics to Anjouan, different reputation.
mt
The MGA is the hardest of these to obtain, and that is the point: it is the licence that opens payment providers, banks and partners the others cannot. Expect real substance and real reporting.
im
Standing plus flexibility for international operators, with a regulator that expects to see genuine management on the island rather than a mailbox.
The trade
Speed and cost at one end, acceptance and standing at the other. No licence sits at both.
Between 0% offshore and roughly 5% in Malta there is less money than most founders expect. It rarely deserves to be the deciding factor.
A Maltese licence gets answered by banks and payment providers. The offshore permits get filtered out before a human reads the application, and you will spend the saving on workarounds.
Everything that makes a licence respected also makes it demanding: real management on the ground, mandatory AML, audits that happen. You are choosing how much of that you want to run.
How it runs
01
Your markets, payment plans and appetite for scrutiny against what each regulator will actually approve. This is where the licence is chosen, and it is the decision that costs the most to reverse.
02
Company, directors and substance put in place first, because the application asks about all three. Then the file is assembled and submitted.
03
Their questions answered, follow-ups supplied, the file kept moving. You hear from us when something needs a decision, not for every acknowledgement email.
04
Reporting calendar, renewals and the compliance routine you now have to run, set up so none of it arrives as a surprise.
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