Choose the right EU route. Build the evidence. Launch ready to operate.
RenIQ helps international fintechs, banks, investment firms and crypto businesses decide which EU licence, jurisdiction and operating model fit. It then leads the programme from route selection through application, supervisory questions and operational launch. Senior-led regulatory consulting, coordinated with qualified legal counsel where needed.
That first conversation is about the EU Licence & Jurisdiction Decision Sprint, the recommended starting point.
Regulated moves into Europe, made by four kinds of firm
RenIQ works with international firms that have decided to operate in the EU and now have to choose a route, prove they are ready for it and see it through.
International fintechs
Serving EU customers from outside the Union, with no EU entity and no settled licence type.
Banks
Reaching EU clients through a branch, a subsidiary or an existing authorisation that has to travel.
Investment firms
Adding an activity, a Member State or a delegation model to permissions the group already holds.
Crypto businesses
Moving from an unregulated or offshore footing to an authorised EU base that supervisors accept.
The decisions RenIQ is brought in to make safe
- Choosing a credible route and jurisdiction
- Which EU regulatory route and which Member State can be defended in writing, before an application budget is committed.
- Understanding readiness before applying
- Where the organisation actually stands against the chosen route, named gap by named gap, with owners.
- Mobilising and leading the programme
- One accountable plan across governance, capital, compliance, technology and operations, instead of workstreams waiting on each other.
- Planning a branch or cross-border launch
- Which cross-border arrangement is genuinely open to the entity that holds the authorisation, and what it takes to operate it.
- Recovering a programme in difficulty
- An application that has stalled, questions that keep coming back, or a programme that has lost its decision-making.
- Governing the business after authorisation
- Conditions tracked, governance stood up, controls operating and a defined handover into business as usual.
Senior-led regulatory delivery
RenIQ publishes only what it can evidence today. The record below is the approved public record.
Peter Leško
Founder, RenIQ
Peter Leško is the founder of RenIQ. Peter Leško has banking experience across Slovakia, Ukraine, the Czech Republic and the Netherlands.
- Slovakia
- Ukraine
- Czech Republic
- Netherlands
RenIQ provides regulatory strategy and programme management. When formal legal advice or reserved legal work is required, appropriately qualified legal counsel must be engaged.
Explore EU jurisdictions
Where you apply shapes your timeline, substance and cost. Compare 16 jurisdictions across 6 regulatory regimes, choose from the list or the map, and open the full comparison when you want the capital and cross-border detail with its sources.
1. Choose a regulatory regime
2. Choose a jurisdiction
13 of 16 covered for Payments and e-money. The map below is an optional visual view of the same list.
Or explore the same coverage on the map
The map is optional. Everything it shows is in the list above. Drag to pan, use the buttons to zoom; the page scrolls normally over it.
Showing Ireland, Payments and e-money.
Ireland
Payments and e-money
Also covered for Ireland
Practitioner observations, not sourced statements
- Working language:
- English
- Substance:
- Meaningful local management and mind-and-management in Ireland.
- Process:
- Pre-application engagement followed by formal assessment.
- Local context:
- Strong emphasis on substance and outsourcing governance.
Six engagements, one recommended starting point
Each engagement stands alone, and each can lead into the next as one senior-led programme.
EU Licence & Jurisdiction Decision Sprint
Choose the regulatory route and the Member State on written criteria, before you spend on an application.
Regulatory Readiness Review
Measure the distance between the route you have chosen and how your organisation actually runs today.
End-to-End Authorisation Programme
One accountable programme from mobilisation through submission and supervisory questions.
Branch, Passporting & Cross-Border Launch
Work out which cross-border route is actually open to you, then make it operational.
Application Remediation & Programme Rescue
For an application that has stalled, drawn hard questions or lost its programme discipline.
Post-Authorisation Governance & Launch Support
Turn an authorisation into a governed, operating business, with a defined handover into business as usual.
Scope, inputs, deliverables and the boundary to qualified counsel are set out per engagement. Compare all six engagements.
From route decision to operating business
One sequence, run as a programme. You can join it at any step, and you can stop at the end of any of them.
- 1
Decide the route
Establish what the product actually does, which regulatory routes are open to it, and which Member State can be justified on written criteria.
- 2
Build the evidence
Test the chosen route against how the organisation runs today, then close the gaps that block a submission before anything is filed.
- 3
Mobilise the programme
One plan, named owners per workstream and one senior programme lead, so governance, capital, compliance, technology and operations move together.
- 4
Engage the authority
Coordinate the application, prepare management for the questions the file invites, and answer through a controlled, consistent process.
- 5
Launch under control
Turn approved policies into operating controls, track any conditions attached to the authorisation and hand over into business as usual.
Your management remains accountable for the firm and for what it tells its supervisor. The competent authority decides the outcome and its timing, and RenIQ does not promise either. Where formal legal advice or reserved legal work is required, RenIQ coordinates appropriately qualified legal counsel as part of the engagement, and the handover is recorded in the programme.
A consultancy with a structured delivery method
RenIQ is a regulatory consultancy using a structured digital delivery method. Research, decisions, evidence and programme status are organised in a consistent workflow, and everything you receive is handed over as documents you own.
- One agreed programme plan
- A single sequenced plan for the authorisation, agreed with you at the start and kept current as the programme moves.
- One decision log
- Material route, jurisdiction and operating-model decisions are recorded with their rationale, so the reasoning survives staff changes and supervisory scrutiny.
- One evidence register
- Every requirement is tracked to the document or record that satisfies it, so gaps stay visible instead of surfacing at submission.
- Clearly owned workstreams
- Governance, capital, compliance, technology and operations each carry a named owner on your side and one senior programme lead on ours.
Material route, programme and supervisory-readiness decisions remain senior-led. Digital tools support research, tracking and consistency. They do not replace professional judgement and are not offered as a client software platform. Formal legal advice remains with appropriately qualified counsel.
Read the sourced material before you decide
Every regime guide and explainer states its answer up front and cites the official source behind each statement, with its retrieval and review status shown.
- PI or EMI: which authorisation does your business actually need?Payment institution or electronic money institution6 min
- MiCA after July 2026: options for international crypto companiesCrypto-asset services once the transition has closed5 min
- Branch, passport or your own authorisation: which cross-border route is open to youBranch, passport or your own authorisation6 min
- A weak or stalled application: repair it, reset the scope, or stopRescuing a weak or stalled application5 min
- Choosing a Member State, without ranking regulatorsSelecting a Member State5 min
Start with the EU Licence & Jurisdiction Decision Sprint
Send an outline of the product and the markets you are aiming at. RenIQ will come back on whether a Decision Sprint is the right first engagement, what it would need from your side and what the scope would look like.
Not ready for a conversation? Free readiness orientation is an educational orientation tool, free and with no account required.