Who we work with · Payment & e-money firms
Finance & Compliance for Payment & E-Money Firms
Finance, treasury and MiCA/CASP support for EMIs and payment firms entering crypto — where PSD2/EMD2 meets MiCA, plus EMT rails and CFO-grade finance.
Payment institutions and e-money institutions already carry a regulated licence — but the moment you touch crypto-assets, a second rulebook applies. Under MiCA, custody, transfer, exchange or execution of crypto-assets are regulated CASP services in their own right, and issuing a euro stablecoin (an e-money token) is reserved for EMIs and credit institutions with a MiCA white paper. Running two regimes — PSD2/EMD2 alongside MiCA — without doubling your overhead is a finance-and-controls problem. HELMS builds that bridge.
Where payment & e-money firms get stuck — and where we help
Dual-regime mapping (PSD2/EMD2 + MiCA). We map exactly which of your crypto activities trigger CASP authorisation versus what your existing licence already covers, so you add only the permissions you actually need. Confirm scope with the MiCA Exposure Checker.
CASP authorisation & Article 67 own-funds. Where crypto services do require a CASP licence, we scope the service class, capital tier and Article 67 own-funds position, and the fastest viable route — see the CASP Jurisdiction Selector and, if the window has closed, the 1 July 2026 deadline.
EMT issuance path. If you plan to issue a euro e-money token, we structure the reserve, safeguarding and white-paper requirements that sit on top of your EMI licence — the same backbone we build for stablecoin issuers.
Safeguarding & treasury. Client-funds safeguarding under PSD2/EMD2, plus the multi-bank/EMI redundancy from our treasury & banking service so a single de-risking event can't freeze operations.
Operational resilience (DORA). Payment and e-money firms sit squarely in DORA's remit — ICT risk management, incident reporting and a maintained third-party register; the DORA guide walks through it.
Why HELMS: senior finance, treasury and regulatory expertise, with legal coordinated through qualified counsel — built for operators running two regimes at once, so you extend into crypto without a second full-time compliance and finance team.
Adding crypto to a payments licence? Book a 30-min call — we'll map which permissions you actually need.