Navigating Fintech Regulation with Precision
Boutique regulatory and legal consulting for fintech companies entering or operating in Lithuania and the European Union. We bring clarity to complex licensing, compliance, and supervisory requirements.
Trusted by fintech founders and compliance teams across the EU
Our Services
Comprehensive legal and regulatory consulting tailored to fintech companies.
Licensing & Regulatory Readiness
End-to-end support for obtaining payment institution, e-money, or other fintech licences in Lithuania and the EU.
AML/CFT Advisory
Design, implement, and strengthen anti-money laundering and counter-terrorism financing frameworks to meet Lithuanian and EU regulatory expectations.
Learn moreCompliance Framework Design
Architect a comprehensive compliance function that scales with your business and satisfies regulatory expectations from day one.
Learn moreIndustries We Serve
Deep expertise across the fintech landscape.
Payment Institutions
We advise payment institutions on the full range of regulatory requirements under PSD2 and Lithuanian national law. From licence applications and safeguarding arrangements to agent management and supervisory reporting, we help payment service providers build and maintain compliant operations.
E-Money Institutions
Electronic money institutions face distinct regulatory requirements around issuance, distribution, and redemption of e-money. We support EMI clients with licensing, capital adequacy calculations, safeguarding frameworks, and the operational compliance challenges specific to e-money business models.
Crypto & Digital Asset Businesses
The regulatory landscape for crypto-asset service providers is evolving rapidly with MiCA and national registration regimes. We help crypto and digital asset businesses understand their regulatory obligations, prepare for MiCA authorisation, and build AML/CFT frameworks tailored to virtual asset operations.
Fintech Startups
Early-stage fintech companies need regulatory clarity before committing resources to licence applications. We help startups assess whether their business model requires authorisation, identify the most suitable regulatory pathway, and prepare for the licensing process efficiently and cost-effectively.
Regulated Growth-Stage Companies
Growth-stage fintechs encounter new regulatory challenges as they scale: expanding product lines, entering new markets, managing increased supervisory scrutiny, and professionalising governance. We help growth-stage companies strengthen their compliance infrastructure to match the pace of their business.
Cross-Border EU Entrants
Companies entering the EU market through Lithuania benefit from a well-regarded regulatory environment and efficient licensing processes. We advise non-EU fintechs on structuring their European operations, meeting local substance requirements, and building the regulatory foundation for cross-border services.
How We Work
A structured approach to delivering results.
Discovery
We begin with a focused conversation to understand your business model, regulatory status, and objectives. This initial assessment allows us to identify the key regulatory considerations and determine the most effective path forward for your specific situation.
Assessment
We conduct a thorough analysis of your current regulatory posture, identifying gaps, risks, and opportunities against applicable legal and supervisory requirements. The assessment covers licensing status, compliance frameworks, policies, and governance structures.
Roadmap
Based on our assessment, we deliver a clear, prioritised action plan with defined milestones, timelines, and resource requirements. The roadmap translates regulatory complexity into a structured sequence of achievable steps aligned with your business timeline.
Implementation Support
We work alongside your team to execute the roadmap, drafting documentation, preparing applications, building frameworks, and coordinating with regulators. Our involvement scales to your needs, from light-touch review to hands-on project management.
Ongoing Advisory
Regulatory compliance is continuous. We remain available for ongoing guidance, regulatory monitoring, and periodic reviews to ensure your compliance posture evolves with your business and the regulatory environment. Retained and ad-hoc arrangements are both available.
Why Fintechs Work with JS Consulting
Fintech-Native Expertise
Our team works exclusively with fintech and regulated technology companies. We understand your product, your growth trajectory, and the regulatory landscape you operate in.
Lithuania & EU Focus
Deep, practitioner-level knowledge of Lithuanian regulatory frameworks, Bank of Lithuania expectations, and EU-wide directives including PSD2, EMD2, and MiCA.
Pragmatic & Outcome-Driven
We deliver actionable regulatory strategies, not theoretical memoranda. Every engagement is structured around concrete milestones and measurable outcomes.
Founder-Friendly Approach
We communicate in plain language, align with your timeline, and scale our involvement to match your stage. From pre-seed to Series B and beyond.
Latest Insights
Analysis and guidance on regulatory developments affecting fintech.
Lithuania's Fintech Licensing Landscape: What Applicants Need to Know in 2025
An overview of the licensing options available to fintech companies in Lithuania, including practical considerations for payment institution and e-money licence applicants.
Preparing for MiCA: What Crypto-Asset Service Providers Should Be Doing Now
The Markets in Crypto-Assets Regulation introduces comprehensive requirements for crypto businesses. A practical guide to readiness planning.
Building an Effective AML/CFT Framework for Your Fintech
A structured approach to designing and implementing anti-money laundering and counter-terrorism financing controls that satisfy regulators and support business operations.
Frequently Asked Questions
Common questions about our consulting services.
Ready to Move Forward with Confidence?
Whether you are preparing a licence application, designing a compliance framework, or expanding into new EU markets, we can help you take the next step.