Fintech infrastructure providers in Estonia
8 verified providers headquartered in Estonia - across BaaS, card issuing, IBAN, payments, KYC/KYB, crypto/MiCA and cross-border/FX. Each verified at source.
Fintech licensing and products in Estonia
The official registers list 27 licensed payment, e-money and crypto firms in Estonia (as of 2026-09-18): 3 e-money institutions (EMI), 20 payment institutions (PI), 3 MiCA crypto-asset service providers (CASP), 1 account information service providers (AISP). 2 of them belong to a provider with a verified profile here. Browse all 27 in the European Fintech Index →
Passporting: 19 of the 27 firms licensed in Estonia have notified at least one other EEA state. In the other direction, 854 firms licensed elsewhere in the EEA have notified services into Estonia under an EEA passport, about 32 for every firm licensed at home. The largest groups are licensed in Lithuania (110), the Netherlands (76), France (75).
Products offered by the providers below: BaaS (4), Core banking (3), IBAN sponsor (2), KYC/KYB (2), BIN sponsor (1), Card issuing software (1), Fraud & AML monitoring (1), Issuer processing (1), Open banking (1), Payment gateway (1), Tokenization – X-Pays (1).
8 verified providers in Estonia
At a glance (8 providers): licences: 5 Vendor, 1 Bank, 1 EMI, 1 PI; EEA data residency: 8 Yes.
Licence = the authorisation the provider holds itself (Vendor = unlicensed software). EEA data = customer data stored and processed in the EEA. – = not documented at source. Names open the verified profile.
| Provider | Licence | EEA data | Products | Verified | Intro |
|---|---|---|---|---|---|
 Advapay | Vendor | Yes | Core banking, BaaS | 2026-06-26 | Request intro |
 LHV | Bank | Yes | IBAN sponsor, BaaS | 2026-07-19 | Request intro |
 Montonio | PI | Yes | Payment gateway, Open banking | 2026-07-13 | Request intro |
 Salv | Vendor | Yes | KYC/KYB, Fraud & AML monitoring | 2026-06-26 | Request intro |
 Tuum | Vendor | Yes | Core banking, BaaS | 2026-06-25 | Request intro |
 Velmie | Vendor | Yes | Core banking, BaaS | 2026-06-25 | Request intro |
 Veriff | Vendor | Yes | KYC/KYB | 2026-06-25 | Request intro |
 Wallester | EMI | Yes | Card issuing software, BIN sponsor, IBAN sponsor +2 | 2026-07-19 | Request intro |