Regulatory Terminalszyma.co
terminal / matrix

What licence works where

For each market: the local licence you can apply for, or whether a licence from another EU country already lets you operate there (passport).

Local licence Passport
European Union and EEA · 30
MarketPaymentsE-moneyCrypto
Austria
Payment Institution5or passport · 29
E-Money Institution1or passport · 29
MiCA CASPor passport · 29
Belgium
Payment Institution6or passport · 29
E-Money Institutionor passport · 29
MiCA CASPor passport · 29
Bulgaria
Payment Institution1or passport · 29
E-Money Institution4or passport · 29
MiCA CASPor passport · 29
Croatia
Payment Institution2or passport · 29
E-Money Institution3or passport · 29
MiCA CASPor passport · 29
Cyprus
Payment Institution2or passport · 29
E-Money Institution4or passport · 29
MiCA CASPor passport · 29
Czech Republic
Payment Institution3or passport · 29
E-Money Institution3or passport · 29
MiCA CASPor passport · 29
Denmark
Payment Institution3or passport · 29
E-Money Institution3or passport · 29
MiCA CASPor passport · 29
Estonia
Payment Institution3or passport · 29
E-Money Institution2or passport · 29
MiCA CASPor passport · 29
Finland
Payment Institution3or passport · 29
E-Money Institution3or passport · 29
MiCA CASPor passport · 29
France
Payment Institutionor passport · 29
E-Money Institution1or passport · 29
MiCA CASP8or passport · 29
Germany
Payment Institution2or passport · 29
E-Money Institution14or passport · 29
MiCA CASP10or passport · 29
Greece
Payment Institution3or passport · 29
E-Money Institution2or passport · 29
MiCA CASPor passport · 29
Hungary
Payment Institution3or passport · 29
E-Money Institution2or passport · 29
MiCA CASPor passport · 29
Iceland
Payment Institution2or passport · 29
E-Money Institution2or passport · 29
MiCA CASPor passport · 29
Ireland
Payment Institutionor passport · 29
E-Money Institution2or passport · 29
MiCA CASP7or passport · 29
Italy
Payment Institution2or passport · 29
E-Money Institution4or passport · 29
MiCA CASPor passport · 29
Latvia
Payment Institution2or passport · 29
E-Money Institution4or passport · 29
MiCA CASPor passport · 29
Liechtenstein
Payment Institution1or passport · 29
E-Money Institution4or passport · 29
MiCA CASPor passport · 29
Lithuania
Payment Institution1or passport · 29
E-Money Institution5or passport · 29
MiCA CASP3or passport · 29
Luxembourg
Payment Institutionor passport · 29
E-Money Institution1or passport · 29
MiCA CASP14or passport · 29
Malta
Payment Institutionor passport · 29
E-Money Institution2or passport · 29
MiCA CASP22or passport · 29
Netherlands
Payment Institution69or passport · 29
E-Money Institution27or passport · 29
MiCA CASP29or passport · 29
Norway
Payment Institution2or passport · 29
E-Money Institution3or passport · 29
MiCA CASPor passport · 29
Poland
Payment Institution55or passport · 29
E-Money Institution1or passport · 29
MiCA CASPor passport · 29
Portugal
Payment Institution4or passport · 29
E-Money Institution2or passport · 29
MiCA CASPor passport · 29
Romania
Payment Institution3or passport · 29
E-Money Institution2or passport · 29
MiCA CASPor passport · 29
Slovakia
Payment Institution4or passport · 29
E-Money Institution1or passport · 29
MiCA CASPor passport · 29
Slovenia
Payment Institution2or passport · 29
E-Money Institution3or passport · 29
MiCA CASPor passport · 29
Spain
Payment Institution5or passport · 29
E-Money Institution1or passport · 29
MiCA CASPor passport · 29
Sweden
Payment Institution5or passport · 29
E-Money Institution1or passport · 29
MiCA CASPor passport · 29
Other financial hubs · 8
MarketPaymentsE-moneyCryptoBanking
Abu Dhabi Global Market (ADGM)——
Dubai (VARA virtual-asset scope, outside DIFC)———
Dubai International Financial Centre (DIFC)——
Hong Kong
Singapore—
Switzerland——
United Arab Emirates—
United Kingdom—
Every cell links to the licence and its source.Licence-by-licence grid →

Need this implemented in your product?

I turn requirements like these into flows, vendor setups, tests and audit evidence.

Page: coverage matrix

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