Electronic Money Institution (EMI) Compliance Services
We Help Electronic Money Institutions Navigate Compliance
Running an EMI comes with strict rules around customer funds, conduct, and risk controls. We work with fintech companies that issue e-money to help build and manage compliance programs that mitigate regulatory risks in the EU and the UK.
As seen on:
As seen on:
As seen on:
Challenges
Running an EMI is Complex
Running an EMI is Complex
Electronic Money Institutions work under strict financial rules, but the expectations often shift depending on your model, your markets, and how fast you’re growing. What starts simple can get complicated fast.
Electronic Money Institutions work under strict financial rules, but the expectations often shift depending on your model, your markets, and how fast you’re growing. What starts simple can get complicated fast.
The Rules Are Strict
EMIs must meet strict rules for fund safeguarding, capital, AML, and more. These are often the same rules credit institutions face, just with less room for error and fewer internal resources.
The Rules Are Strict
EMIs must meet strict rules for fund safeguarding, capital, AML, and more. These are often the same rules credit institutions face, just with less room for error and fewer internal resources.
The Rules Are Strict
EMIs must meet strict rules for fund safeguarding, capital, AML, and more. These are often the same rules credit institutions face, just with less room for error and fewer internal resources.
Mistakes Lead to Serious Consequences
Regulators have taken action against EMIs for AML failures, poor governance, and mishandling client money. A weak compliance setup can quickly become a risk.
Mistakes Lead to Serious Consequences
Regulators have taken action against EMIs for AML failures, poor governance, and mishandling client money. A weak compliance setup can quickly become a risk.
Mistakes Lead to Serious Consequences
Regulators have taken action against EMIs for AML failures, poor governance, and mishandling client money. A weak compliance setup can quickly become a risk.
Compliance Isn’t One Size Fits All
The rules apply differently depending on your business model, issuing cards, running wallets, partnering with crypto, and it’s not always clear which rules apply to which activities.
Compliance Isn’t One Size Fits All
The rules apply differently depending on your business model, issuing cards, running wallets, partnering with crypto, and it’s not always clear which rules apply to which activities.
Compliance Isn’t One Size Fits All
The rules apply differently depending on your business model, issuing cards, running wallets, partnering with crypto, and it’s not always clear which rules apply to which activities.
Regulators
Who Regulates Electronic Money Institutions
If you're running an EMI, you're working under the supervision of financial regulators who have strong opinions on how you handle customer funds, onboarding, and operational risk. From your local authority to EU-level agencies, these are the groups that set the rules and review your controls.
Frameworks
Core Compliance Frameworks for EMIs
Core Compliance Frameworks for EMIs
Running an EMI means following a clear set of laws and standards. These include the rules that gave rise to e-money licenses, as well as broader expectations around AML, fraud controls, and emerging crypto activity. Regulators expect you to stay current as the frameworks evolve.
Running an EMI means following a clear set of laws and standards. These include the rules that gave rise to e-money licenses, as well as broader expectations around AML, fraud controls, and emerging crypto activity. Regulators expect you to stay current as the frameworks evolve.
How We Help
Let Us Manage Compliance While You Focus on Growth
01
License Planning and Filing
We guide you through the license application, including business model mapping, risk planning, and preparing your EMI submission.
01
License Planning and Filing
We guide you through the license application, including business model mapping, risk planning, and preparing your EMI submission.
02
Setting Up Your Controls
We build your compliance program from scratch or refine what you have, including policies, staffing plans, onboarding checks, and vendor workflows.
02
Setting Up Your Controls
We build your compliance program from scratch or refine what you have, including policies, staffing plans, onboarding checks, and vendor workflows.
03
Managing Your Compliance Operations
We take care of your recurring compliance work, from day-to-day reviews and filings to recordkeeping, vendor oversight, and alerts for rule changes.
03
Managing Your Compliance Operations
We take care of your recurring compliance work, from day-to-day reviews and filings to recordkeeping, vendor oversight, and alerts for rule changes.
04
Filling Ongoing Compliance Roles
We provide licensed professionals to fill required roles, so you don’t have to hire full-time staff for every compliance function.
04
Filling Ongoing Compliance Roles
We provide licensed professionals to fill required roles, so you don’t have to hire full-time staff for every compliance function.
Why InnReg
Compliance Support Built for Fast-Moving EMIs
We’ve helped fast-growing fintechs get licensed, build compliance programs, and respond to regulator feedback. Our team knows how to work with startups, use your tools, and keep things practical while mitigating regulatory risks.
Decades of Experience
Our team brings together multiple decades of cumulative experience in regulatory compliance and fintech.
Decades of Experience
Our team brings together multiple decades of cumulative experience in regulatory compliance and fintech.
Full-Service Solutions
InnReg can cover your entire compliance journey, from strategic planning to daily operations.
Full-Service Solutions
InnReg can cover your entire compliance journey, from strategic planning to daily operations.
Seamless Integration
InnReg's team integrates into your organization to complement your existing resources and structures.
Seamless Integration
InnReg's team integrates into your organization to complement your existing resources and structures.
Expertise on Your Niche
Work directly with our regulatory specialists, each selected for their unique expertise in your specific niche.
Expertise on Your Niche
Work directly with our regulatory specialists, each selected for their unique expertise in your specific niche.
Worldwide Expertise
With a diverse team around the globe, InnReg supports international firms in navigating multi-jurisdictional landscapes.
Worldwide Expertise
With a diverse team around the globe, InnReg supports international firms in navigating multi-jurisdictional landscapes.
Cost-Effective Services
Compliance outsourcing for financial services firms can provide significant cost savings while promoting innovation.
Cost-Effective Services
Compliance outsourcing for financial services firms can provide significant cost savings while promoting innovation.
Resources
Latest Content
Articles
Downloads
Apr 22, 2025
·
16 min read
Articles
Downloads
Apr 22, 2025
·
16 min read
FAQ
Your EMI Compliance Questions Answered
Your EMI Compliance Questions Answered
What is the difference between a Payment Institution and an Electronic Money Institution in the EU?
What is the difference between a Payment Institution and an Electronic Money Institution in the EU?
Do I need separate payment licenses for the UK and the EU?
Do I need separate payment licenses for the UK and the EU?
What are safeguarding rules, and do they apply to my payment business?
What are safeguarding rules, and do they apply to my payment business?
How much capital is required to become a licensed payment provider?
How much capital is required to become a licensed payment provider?
Do I need to file suspicious activity reports (SARs) as a payment services provider?
Do I need to file suspicious activity reports (SARs) as a payment services provider?
Do payment providers need to monitor transactions in real time?
Do payment providers need to monitor transactions in real time?
What is the role of transaction limits in compliance?
What is the role of transaction limits in compliance?
Who regulates EMIs?
Who regulates EMIs?
Do EMIs have to safeguard customer funds?
Do EMIs have to safeguard customer funds?
Can an EMI pay interest on e-money balances?
Can an EMI pay interest on e-money balances?
Schedule a Complimentary Call
Schedule a Complimentary Call
Who We Serve
Compliance Services
Compliance Consulting
Compliance Operations
Licensing Services
Resources
About InnReg
The content provided on this website is for informational purposes only and does not constitute legal, investment, tax, or other professional advice. InnReg LLC is not a law firm, tax advisor, or regulated financial institution. Viewing this site or contacting InnReg does not create a client relationship. Results described in case studies or testimonials may not be typical and do not guarantee future outcomes. Tools, spreadsheets, or guides available on this site are provided for illustrative purposes only and should not be relied upon without professional guidance. Any links to third-party websites are provided for convenience and do not constitute endorsement or responsibility for their content. The information on this site may not be applicable in all jurisdictions. While we strive to provide accurate content, we make no representations as to its completeness or timeliness. Some visual assets on this site are sourced from Freepik.
Who We Serve
Compliance Services
Compliance Consulting
Compliance Operations
Licensing Services
Resources
About InnReg
The content provided on this website is for informational purposes only and does not constitute legal, investment, tax, or other professional advice. InnReg LLC is not a law firm, tax advisor, or regulated financial institution. Viewing this site or contacting InnReg does not create a client relationship. Results described in case studies or testimonials may not be typical and do not guarantee future outcomes. Tools, spreadsheets, or guides available on this site are provided for illustrative purposes only and should not be relied upon without professional guidance. Any links to third-party websites are provided for convenience and do not constitute endorsement or responsibility for their content. The information on this site may not be applicable in all jurisdictions. While we strive to provide accurate content, we make no representations as to its completeness or timeliness. Some visual assets on this site are sourced from Freepik.
Who We Serve
Compliance Services
Compliance Consulting
Compliance Operations
Licensing Services
Resources
About InnReg
The content provided on this website is for informational purposes only and does not constitute legal, investment, tax, or other professional advice. InnReg LLC is not a law firm, tax advisor, or regulated financial institution. Viewing this site or contacting InnReg does not create a client relationship. Results described in case studies or testimonials may not be typical and do not guarantee future outcomes. Tools, spreadsheets, or guides available on this site are provided for illustrative purposes only and should not be relied upon without professional guidance. Any links to third-party websites are provided for convenience and do not constitute endorsement or responsibility for their content. The information on this site may not be applicable in all jurisdictions. While we strive to provide accurate content, we make no representations as to its completeness or timeliness. Some visual assets on this site are sourced from Freepik.