Quote on request
Regulatory infrastructure and compliance
The infrastructure a regulated company needs after — and alongside — its authorisation: ICT risk management under DORA, introductions to banking and payment partners, and internal compliance audits.
Prices
DORA — digital operational resilience
Regulation (EU) 2022/2554 (DORA) applies from 17 January 2025 (Article 64) to financial entities including payment institutions, e-money institutions, crypto-asset service providers authorised under MiCA, investment firms and managers of alternative investment funds (Article 2). We set up the ICT risk management framework, the incident classification and reporting process, the register of ICT third-party arrangements and the testing plan, with the tooling to run them.
Banking and payment partners
A licensed company still needs accounts. We introduce you to banks, e-money institutions (including institutions that work with crypto-asset businesses), IBAN providers and card issuing or BIN sponsor partners, and prepare the onboarding file. Bank and payment accounts are granted solely at the discretion of the financial institution: an introduction is not an account, and no partner is obliged to accept you.
Compliance audits
Our compliance audit is an internal review of your compliance framework — policies, procedures, records and controls — against the rules that apply to your authorisation. The scope follows the class of the business (Class 1, 2 or 3; for crypto-asset service providers the MiCA classes). It is not a statutory audit of financial statements, which only an auditor can carry out.
What we do not do
We do not guarantee any account, partner decision or supervisory outcome, and we do not replace your compliance officer or management board.
This price is our professional fee for the corporate and regulatory work described. It is not the price of a licence and does not include state or supervisory fees, regulatory capital, or third-party costs. The authorisation is granted by the competent supervisory authority.
Frequently asked questions
Does DORA apply to my company?
DORA applies to the financial entities listed in its Article 2, including payment and e-money institutions, crypto-asset service providers authorised under MiCA, investment firms and managers of alternative investment funds. We confirm the scope for your company in the quote.
Do you guarantee a bank account?
No. Bank and payment accounts are granted solely at the discretion of the financial institution. We introduce you and prepare the onboarding file; the institution decides.
Is your compliance audit a statutory audit?
No. It is an internal compliance review. A statutory audit of annual accounts is carried out by an auditor and is not part of this service.
Can I order these services without a licence project?
Yes. Each service is quoted on its own. Send a request with a short description of your company and its authorisation.
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Read the guides
- Bank account for a licensed companyWhich accounts a licensed company needs, what the law guarantees, why banks are cautious and how to prepare.
- State fees and capital for EU licencesThe official fees and minimum capital for the licences we work on, each with a link to the law — kept apart from our own fees.
- MiCA CASP licence in EstoniaWho needs a MiCA authorisation, what the application contains, how the Financial Supervision Authority assesses it, and what it costs in capital and fees.
- What a licensed company in Estonia really costsOur fee, state fees, the capital the company must hold and the running costs after authorisation — the four cost layers of a licensed company.
- Estonian payment institution licenceWhat a payment institution licence allows, who needs one, and the main stages of the process.