Introduction to the overall transfer of European Malta EMI & MiCA dual license companies

The entire EMI & MiCA dual-licensed company in Malta, Europe

Basic Information

License plate type
EMI+CASP license
Issued Area
Maltese
s
Malta Financial Services Authority (MFSA)
License validity period
Continuously effective
License transfer information release time
2025 January 9
price range
Contact us for negotiation

Licence Details

Item
Details
EMI License
Issued by the Malta Financial Services Authority (MFSA), it allows the opening of IBAN accounts, connection to the SEPA/SWIFT network, card issuance, cross-border payments, and the issuance of stablecoins.
MiCA CASP license
It is in the final approval stage and is expected to be obtained within 1-2 months; it will allow the compliance of crypto asset custody, exchange, matching transactions, OTC and other businesses within the EU.
MiCA application progress
  • – Completed the 150-question official questionnaire and submitted materials
  • – Complete on-site reporting and inspection
  • – With VFA background, KYC and business plan do not need to be submitted repeatedly
  • – Waiting for final license issuance
Malta regulatory advantages
  • – One of the first countries in the EU to promote crypto asset regulation
  • – 4 MiCA licenses have been issued (including OKX, Crypto.com, etc.)
  • – Mature VFA regulatory experience – Fast track approval (approximately 4 months)
  • - Provide MiCA exclusive fast track for VASP enterprises
Company Qualification Overview
  • – Place of registration: Malta – Holds EMI license, MiCA CASP license is under review
  • – Client funds segregated account is set up in Lithuania to meet EU regulatory requirements
  • – Already connected to multiple EU bank APIs, with strong SEPA/SWIFT settlement capabilities
Compliance and Technical Support
  • – Independently develop backend systems and mobile apps to support account opening, wallets, transactions, and payments – Complete KYC, AML, risk control and disaster recovery system
  • – Have a physical office and local staff that complies with MFSA requirements

Aiying Reviews

CAD
details
Project Highlights
  • – Holds an EMI license issued by the Malta MFSA and is about to obtain a MiCA CASP license. Now for sale as a whole
  • – Completed MiCA fast-track approval and is expected to be authorized within 1-2 months
  • – EMI license support: payment accounts, bank card acquiring, fund remittance, salary payment, stablecoin issuance
  • – MiCA CASP license supports: crypto asset custody, exchange, matching transactions, and OTC services
  • – Provide a compliant, ready-to-use path to quickly enter the EU digital financial market
Adapt to the buyer
  • – Crypto Platform/OTC Institution: Obtain MiCA license and fiat currency deposit and withdrawal channels
  • – Web3/Wallet Companies: Building a stablecoin and wallet ecosystem, ensuring compliance
  • – Cross-border payments/e-commerce: multi-currency clearing and acquiring to improve capital efficiency
  • – Investors/Mergers: Developing EU-compliant digital asset portals
  • – Digital banking/asset management: Achieving compliance in crypto investment advisory and account management
Trading and Delivery
  • – Transaction structure: 100% equity sale – Before closing: No outstanding issues, clear net assets, and complete technical compliance
  • – After delivery: immediately start fiat currency payment and crypto business, no need to re-apply
  • – Support services: The original team provides short-term technical and compliance handover
  • – MiCA Sustainability: Sign the Declaration of Commitment to ensure the validity of the license
Aiying Tips
  • – Under the MiCA framework, compliance qualifications are the core threshold for cross-border encryption/payment business
  • – Malta’s efficient approval process provides a MiCA entry window
  • – The project has a mature system and compliance foundation, located at the intersection of regulation and technology
  • – Provide enterprises/investors with a low-cost and fast springboard to enter the EU market
  • – Please contact us if you can provide due diligence materials, details or meeting arrangements.
More information about EMI license

FAQs

Yes, according to the MFSA authorization rules, any share transfer that results in a change of control (e.g. a change in shareholding exceeding 10%) must be notified to the MFSA in advance. The new owner must notify the MFSA through the “fit and "proper" review, including background check and financial stability assessment. Failure to notify may result in license revocation.

After notifying the MFSA, approval typically takes three to six months, depending on the completeness of the new owner's documentation. Initial meetings can be expedited, but can extend to up to nine months for cross-border owners. Common reasons for delays include incomplete documentation or AML checks.

  • – Client funds protection: The MFSA requires segregation of funds and may suspend transfers if irregularities are discovered during transfers (e.g. failure to use an authorised bank).
  • – AML/CFT vulnerabilities: New owners need to resubmit policies, and ESMA's review shows that Malta EMI often has insufficient supervision.
  • – Impact of EU passporting rights: Other EU countries need to be notified again after the transfer, and delays may affect business.
According to the MiCA Rulebook and MFSA rules, any change in shareholders or beneficial owners must be notified to the MFSA at least 40 days in advance, including details of the new owner. The new owner must disclose the shareholding structure and undergo a fit and proper test. Changes exceeding a threshold (e.g., 10%) are considered a change of control.
Standard approval takes 4-6 months; if the original license holder is converting to a VFA (such as this project), a fast track can be used, but the ESMA2025 review shows that fast-track licensing often has "unresolved issues" and the approval process may be extended to 12 months.
If stablecoins (ART/EMT) are involved, additional MiCA reserve requirements must be adhered to. Failure to update the policy at the time of transfer may result in a €5 million fine or license restrictions.

Phased timetable:

stage Time estimate
due diligence 2-4 weeks
FCA pre-application consultation 1-2 months (optional)
FCA formal approval 1.5-3 months (fast)
Bank account migration 1-6 months (depending on the bank)

  • FCA application fee: Approximately £5,000-25,000 (depending on the complexity of the business).

  • Compliance Advisory Fees: Assist with FCA communications (usually £1-5).

  • System migration cost: Replacing a core banking system could cost more than £10.

The transaction agreement must specify:

  • Usually the deposit is paid in stages (e.g. 30% when signing the agreement and the balance after FCA approval).

  • A clause of “full refund if supervision fails” can be agreed upon.

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