Your licence comes from the Bank of Lithuania, but your customers may live in Madrid, Lyon or Munich. Give them branded apps in their language on top of a ledger, onboarding and cards your Lithuanian team controls.
Global business accounts, multi-currency payments and cross-border solutions, supported by Crassula APIs and BaaS connections.
Read case study: Multipass
Account details, SEPA payments, card issuing, KYC onboarding and multi-currency exchange in one financial product.
Read case study: LuxPayWeb and mobile apps with your name, colours and domain. Customers open an account, pass identity checks, get an IBAN and pay by SEPA in one flow.
Separate questionnaires for consumers, sole traders and companies, with identity and company checks through connected verification providers and limits set per client.
Virtual cards on day one and plastic later, managed in the app: freeze, limits, PIN delivery and card top-ups from the account. You contract the issuer, the platform runs the controls.
Vaults to set money aside, push notifications for every payment and transaction history customers can search and export.
Company onboarding, several users per account, batch payments with approval and saved counterparties for suppliers.
Consent screens for third-party providers so your customers can connect budgeting and accounting apps under PSD2.
Each requirement, what the platform gives you for it and who owns it after launch.
A back office your Lithuanian team runs itself: account approvals, limits, payment review and reports, with roles and a full audit trail.
YouTwo-factor login and payment confirmation built into the web, iOS and Android apps.
CrassulaOnboarding questionnaires per client type and identity verification through connected providers, with documents stored per customer.
Your MLROPer-country onboarding rules, so you only accept residents of states covered by your notifications.
You, through the Bank of LithuaniaApp interface and notifications localised in 15+ languages, with your own terms and fee schedules loaded per market.
You, with your lawyersWeb and mobile front ends you can adapt in branding and content, so your team can test them against the accessibility requirements.
You, with our inputA description of the apps, hosting and subcontractors, plus contract terms for audit, access and exit.
You, with our inputRails your customers can use
The Bank of Lithuania's payment system for EEA-licensed EMIs and PIs. Crassula's CENTROlink connector issues EUR accounts and IBANs and sends SEPA credit transfers from the customer app.
Crassula connects 60+ payment, banking and compliance integrations. We will check which ones fit your licence.
Explore all connectors →Rules that change what you have to build, in the order they apply.
The European Accessibility Act covers consumer e-money and payment services. New and updated customer apps must meet its accessibility requirements.
Verification of Payee is in force. E-money institutions in the euro area, Lithuania included, must show customers a payee name check before they confirm any euro credit transfer, not only instant ones.
E-money institutions must let customers send and receive SEPA Instant payments.
The EU Anti-Money Laundering Regulation applies, with one set of customer due diligence rules for every EEA market you onboard from.
For a retail EMI, the Bank of Lithuania wants to see how customers will be onboarded, authenticated and informed, not only how money moves. A working app answers those questions faster than a description, and we write the technical sections around it.
Talk to us about your applicationCrassula provides technology and documentation support. We do not provide legal or regulatory advice and cannot guarantee the outcome of an application.
A configured environment to show the regulator, not slides.
IT systems, customer authentication, ICT risk under DORA, outsourcing and business continuity sections of your Bank of Lithuania file.
Banking, safeguarding and KYC providers from our network, matched to your licence.
A founder team with a licence plan in Vilnius wants to sell a spending account to young professionals in Spain and France. We brand the web and mobile apps, switch on Spanish and French, and set up onboarding that asks for a Spanish or French address. The Lithuanian compliance team approves edge cases in the back office.
While the Bank of Lithuania reviews the file, the team tests virtual cards and SEPA payments in the sandbox. After authorisation they send passport notifications for Spain and France, open onboarding only for those countries, and add plastic cards once the first customers are active.
For the licence itself, see the Lithuania EMI licence guide and our overview of EMI licensing in the EU.
The questions teams ask us before a first call.
Not covered here?Bring your question to a demo with our team.Tell us your licence and country. We will map the rails, providers and documents you need.
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