# RenIQ

> RenIQ helps international financial companies determine the right route into the EU, prepare regulator-ready evidence and manage authorisation through operational launch.

RenIQ is a boutique EU regulatory market-entry consultancy. This site is an illustrative concept build; all regulatory data is indicative and must be verified against official sources. RenIQ is not a law firm and does not provide legal advice or guarantee authorisation outcomes.

Operator: RenIQ is the public brand of RenIQ s.r.o., Repašského 20, 841 02 Bratislava, Slovakia. Contact: support@reniq.eu.

Founder: Peter Leško is the founder of RenIQ. His banking experience spans Slovakia, Ukraine, the Czech Republic and the Netherlands. He leads RenIQ's regulatory strategy and programme-management work directly. Founder profile: https://reniq.eu/about#peter-lesko

RenIQ provides regulatory strategy and programme management. When formal legal advice or reserved legal work is required, appropriately qualified legal counsel must be engaged.

## Key pages
- [Readiness assessment](https://reniq.eu/assessment): Free illustrative tool mapping a product to its likely EU regime.
- [Solutions](https://reniq.eu/solutions): How RenIQ helps firms authorise and launch in the EU.
- [Regulatory regimes](https://reniq.eu/regimes): Guides to the main EU financial regimes.
- [Jurisdictions](https://reniq.eu/jurisdictions): Illustrative comparison of EU Member States for authorisation.
- [Intelligence](https://reniq.eu/intelligence): Practitioner analysis and explainers.
- [About](https://reniq.eu/about): The firm and its founder, Peter Leško.
- [Contact](https://reniq.eu/contact): Book an intro call.
- [Privacy Notice](https://reniq.eu/privacy): How RenIQ s.r.o. handles personal data from this website.
- [Website Terms](https://reniq.eu/terms): Terms of use for this website.

## Regulatory regimes
- [Payments & E-money](https://reniq.eu/regimes/payments-emoney): PI, EMI, PSD2 and the incoming PSD3 / PSR framework for payment and e-money businesses.
- [Investment services](https://reniq.eu/regimes/mifid-investment-services): Authorisation and passporting for investment firms providing MiFID II services.
- [Crowdfunding](https://reniq.eu/regimes/ecspr-crowdfunding): The European Crowdfunding Service Providers Regulation for investment and lending platforms.
- [Crypto-assets](https://reniq.eu/regimes/mica): The Markets in Crypto-Assets Regulation for crypto-asset service providers and token issuers.
- [Banking branches](https://reniq.eu/regimes/banking-branches): Cross-border branches, passporting and the CRD VI framework for third-country bank branches.
- [AML & DORA](https://reniq.eu/regimes/dora-aml): Anti-money-laundering, financial-crime controls and the Digital Operational Resilience Act.

## Solutions
- [Market Entry Decision Sprint](https://reniq.eu/solutions/market-entry-decision-sprint): A fixed-scope sprint that confirms whether, where and how to enter the EU, before you commit capital.
- [Authorisation Readiness](https://reniq.eu/solutions/authorisation-readiness): A structured review that surfaces the questions and gaps a supervisor will raise, while you can still fix them.
- [Licensing Delivery](https://reniq.eu/solutions/licensing-delivery): End-to-end programme management that turns a licensing strategy into a submitted, supervised application.
- [Branch and Passport Launch](https://reniq.eu/solutions/branch-passport-launch): Establish branches and passport permissions into a working, supervised local operation.

## Intelligence articles
- [PI or EMI: which authorisation does your business actually need?](https://reniq.eu/intelligence/pi-or-emi-which-authorisation): The difference between a Payment Institution and an Electronic Money Institution decides your capital, safeguarding and product roadmap.
- [EU market entry after Brexit: licence, branch, agent or acquisition?](https://reniq.eu/intelligence/eu-market-entry-after-brexit): UK firms lost passporting. The right re-entry route depends on model, substance and commercial ambition, not just speed.
- [MiCA after July 2026: options for international crypto companies](https://reniq.eu/intelligence/mica-after-july-2026): With transitional arrangements ending, international crypto firms need a clear MiCA authorisation strategy.
- [What regulators expect from local management substance](https://reniq.eu/intelligence/local-management-substance): Substance is where many applications quietly fail. Supervisors want genuine local direction, not a nameplate.
- [The real cost of an EU financial-services authorisation](https://reniq.eu/intelligence/real-cost-of-eu-authorisation): Beyond capital, the true cost is substance, systems, evidence and the ongoing cost of being supervised.
- [Why obtaining a licence is different from becoming operational](https://reniq.eu/intelligence/licence-vs-operational): Authorisation is a milestone, not the finish line. The gap between licence and live operation is where many firms stall.
- [CRD VI and the new framework for third-country bank branches](https://reniq.eu/intelligence/crd-vi-third-country-branches): CRD VI reshapes how non-EU banks provide core banking services in the EU, with new branch and substance requirements.
- [DORA readiness as part of a licensing application](https://reniq.eu/intelligence/dora-readiness-in-licensing): ICT and operational resilience are no longer a post-launch concern; they are assessed during authorisation.

## Disclaimer
All content is illustrative and for concept purposes only. It does not constitute legal, regulatory or financial advice. Verify all requirements with the relevant competent authority and qualified advisers.