Finland
FIEuropean UnionEuropean Economic Area
Regimes
3
Financial Supervisory Authority (FIN-FSA / Finanssivalvonta)
Companies
5
5 active licences
Passporting in
87
29 home states
Activities
19
/ 25
PROVENANCE
0% registry100% document0% inferred
REGIMES IN THIS JURISDICTION
click a tier for its sourceREGIME · STATUTEACTSMIN CAPITALTIMELINEAPPLICATION FEE
E-Money Institution / FinlandEMD2, Maksulaitoslaki · Financial Supervisory Authority (FIN-FSA / Finanssivalvonta)
Issue electronic money1/25 · 3 holders
EUR 350,000 source
3 months source
no data
→Payment Institution / FinlandPSD2, Maksulaitoslaki · Financial Supervisory Authority (FIN-FSA / Finanssivalvonta)
Account information services, Cash withdrawal from a payment account, Execute payment transactions (direct debits, card payments, credit transfers) +58/25 · 3 holders
EUR 125,000 source
3 months source
no data
→MiCA CASP / FinlandMiCA · Financial Supervisory Authority (FIN-FSA / Finanssivalvonta)
Exchange crypto-assets for funds, Exchange crypto-assets for other crypto-assets, Execute orders for crypto-assets on behalf of clients +710/25 · 0 holders
EUR 50,000–150,000 source
no data
no data
→Licences issued here
5 active · 1 withdrawn or applied forSource: Financial Supervisory Authority (FIN-FSA / Finanssivalvonta)’s public register, read 1 Sep 2026
| Company | Regulator | Licence | Covers | Granted |
|---|---|---|---|---|
| Coinmotion Oy | Financial Supervisory Authority (FIN-FSA / Finanssivalvonta) | Payment Institution | Payments | 04 Jul 2019 |
| Enfuce License Services Oy | Financial Supervisory Authority (FIN-FSA / Finanssivalvonta) | E-Money Institution | E-money | 06 Jul 2022 |
| Holvi Payment Services Oy | Financial Supervisory Authority (FIN-FSA / Finanssivalvonta) | Payment Institution | Payments | 21 May 2014 |
| Paytrail Oyj | Financial Supervisory Authority (FIN-FSA / Finanssivalvonta) | Payment Institution | Payments | 05 Sep 2011 |
| Wolt License Services Oy | Financial Supervisory Authority (FIN-FSA / Finanssivalvonta) | E-Money Institution | E-money | 28 Mar 2024 |
| MobilePay Finland Oy | Financial Supervisory Authority (FIN-FSA / Finanssivalvonta) | E-Money InstitutionWithdrawn | E-money | 15 Nov 2019 |
INBOUND PASSPORTING — REGIMES ELSEWHERE THAT REACH THIS MARKET
HOME REGIMEINBOUND PASSPORTING — REGIMES ELSEWHERE THAT REACH THIS MARKET
87HOME REGIMEMODENOTIFICATIONHOST CONDITIONSACTS
ACTIVITIES PERMITTED IN THIS JURISDICTION
19Account information servicesConferred by Payment Institution / Finland (for consumer, sme, corporate, via-intermediary)
Cash withdrawal from a payment accountConferred by Payment Institution / Finland (for consumer, sme, corporate, via-intermediary)
Exchange crypto-assets for fundsConferred by MiCA CASP / Finland (for consumer, sme, corporate, regulated-fi)
Exchange crypto-assets for other crypto-assetsConferred by MiCA CASP / Finland (for consumer, sme, corporate, regulated-fi)
Execute orders for crypto-assets on behalf of clientsConferred by MiCA CASP / Finland (for consumer, sme, corporate, regulated-fi)
Execute payment transactions (direct debits, card payments, credit transfers)Conferred by Payment Institution / Finland (for consumer, sme, corporate, via-intermediary)
Execute payment transactions funded by a credit lineConferred by Payment Institution / Finland (for consumer, sme, corporate, via-intermediary)
Issue electronic moneyConferred by E-Money Institution / Finland (for consumer, sme, corporate, via-intermediary)
Issue payment instruments and/or acquire payment transactionsConferred by Payment Institution / Finland (for consumer, sme, corporate, via-intermediary)
Money remittanceConferred by Payment Institution / Finland (for consumer, sme, corporate, via-intermediary)
Operate a trading platform for crypto-assetsConferred by MiCA CASP / Finland (for consumer, sme, corporate, regulated-fi)
Payment initiation servicesConferred by Payment Institution / Finland (for consumer, sme, corporate, via-intermediary)
Place cash on a payment accountConferred by Payment Institution / Finland (for consumer, sme, corporate, via-intermediary)
Place crypto-assetsConferred by MiCA CASP / Finland (for consumer, sme, corporate, regulated-fi)
Provide advice on crypto-assetsConferred by MiCA CASP / Finland (for consumer, sme, corporate, regulated-fi)
Provide custody and administration of crypto-assets on behalf of clientsConferred by MiCA CASP / Finland (for consumer, sme, corporate, regulated-fi)
Provide portfolio management on crypto-assetsConferred by MiCA CASP / Finland (for consumer, sme, corporate, regulated-fi)
Provide transfer services for crypto-assets on behalf of clientsConferred by MiCA CASP / Finland (for consumer, sme, corporate, regulated-fi)
Receive and transmit orders for crypto-assets on behalf of clientsConferred by MiCA CASP / Finland (for consumer, sme, corporate, regulated-fi)
PRODUCTS AVAILABLE HERE
4PRODUCTCLIENT TYPESTATUSMISSING ACTIVITIES
Stablecoin custodyconsumer · SME · corporate · regulated FIfullhypothetical—
via intermediarynoneProvide custody and administration of crypto-assets on behalf of clients
Crypto off-ramp (crypto to fiat payout)consumer · SME · corporateconditionalhypothetical—
via intermediarynoneExchange crypto-assets for funds
regulated FInoneExecute payment transactions (direct debits, card payments, credit transfers)
Crypto on-ramp (fiat to crypto)consumer · SME · corporateconditionalhypothetical—
via intermediarynoneExchange crypto-assets for funds
regulated FInoneExecute payment transactions (direct debits, card payments, credit transfers)
Stablecoin orchestrationconsumer · SME · corporateconditionalhypothetical—
via intermediarynoneProvide custody and administration of crypto-assets on behalf of clients, Exchange crypto-assets for funds
regulated FInoneExecute payment transactions (direct debits, card payments, credit transfers)
Card issuingconsumer · SME · corporate · via intermediarynoneIssue card-based payment instruments (card issuing)
regulated FInoneIssue payment instruments and/or acquire payment transactions, Issue card-based payment instruments (card issuing)
Cross-border remittanceconsumer · SME · corporate · via intermediarynoneCross-border remittance as a distinct commercial activity
regulated FInoneCross-border remittance as a distinct commercial activity, Money remittance
IBAN accountsconsumer · SME · corporate · via intermediarynoneIssue IBAN accounts in the institution's own name
regulated FInonePlace cash on a payment account, Cash withdrawal from a payment account, Execute payment transactions (direct debits, card payments, credit transfers), Issue IBAN accounts in the institution's own name
Merchant collectionsconsumer · SME · corporate · via intermediarynoneAcquire card-based payment transactions (card acquiring)
regulated FInoneAcquire card-based payment transactions (card acquiring), Execute payment transactions (direct debits, card payments, credit transfers)
Payoutsconsumer · SME · corporate · via intermediarynoneCurrency conversion (FX) as a service
regulated FInoneCurrency conversion (FX) as a service, Execute payment transactions (direct debits, card payments, credit transfers)
CHANGES
Nothing to show yet. A change log needs two snapshots to compare, and history only began being recorded on 2026-08-14 — the builds captured so far differ by zero values. Rather than back-fill invented history, this fills in as the corpus actually moves.
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Jurisdiction: Finland