COBALT

COBALT is a Baltic law group with a dedicated fintech practice. It works in Estonia, Latvia and Lithuania and supports technology-driven financial companies through licensing and ongoing regulation.

Licensing and regulatory work

The firm lists MiCA and CASP authorisation, EMI and payment institution licensing along with other financial licensing, and fintech regulation more broadly. The same team can therefore advise a start-up that plans an e-money or payment licence in one Baltic state and a crypto-asset service provider authorisation in another.

Baltic coverage

Having a presence across all three Baltic states is useful for companies that want to compare supervisors before choosing a home jurisdiction, or that plan to expand from one market to its neighbours. The materials do not specify named regulators, case numbers or fee levels, so those details should be requested during an initial discussion.

Who it suits

Payment providers, e-money institutions and crypto businesses planning an EU-regulated entity in the Baltics will find the combination of payment and crypto licensing in one law group practical. It also suits established fintechs that need regulatory advice as their products change.