01 | Project Background
With the rapid development of open banking and fintech, holding a compliant PSD2 AISP license has become a critical entry threshold for the EU financial data services market. New applications for such licenses often take months or even years, with considerable approval uncertainty.
The acquisition target is located in Southern Europe, and the core asset is its authorized AISP license——fully compliant under the PSD2 framework, allowing access, with user consent, to payment account information held by other payment service providers within the EU/European Economic Area, and benefiting from passporting rights.
Through this transaction, investors can directly obtain regulated entity status in the EU without incurring the time cost and compliance risk of a new license application.
02 | Target Overview
Core acquisition target: PSD2-authorized AISP license. The institution has obtained full authorization as an Account Information Service Provider under the EU Payment Services Directive (PSD2), which is the core value of this transaction.
The target includes no existing customers, revenue, or operating business; the structure is clean, effectively a "greenfield" licensed shell, making it suitable for strategic investors seeking to rapidly establish a presence in the EU open banking space.
The entity is covered by professional indemnity and compliance insurance, meeting PSD2 risk mitigation standards. The existing team can support regulatory filings and initial setup during the ownership transition period.
03 | Key Highlights
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Fully registered AISP license under PSD2, with a fully compliant regulatory status. -
Passporting rights within the EU/EEA, enabling services to payment account holders across all member states. -
No existing customer burden, offering the buyer a fresh strategic deployment space. -
The transaction excludes bank accounts; the buyer can flexibly establish banking or API connections aligned with its business model. -
Professional indemnity and compliance insurance in place, satisfying PSD2 risk mitigation requirements. -
The existing team supports ownership transfer, regulatory filings, and initial setup during the transition period.
04 | License Permissions and Business Scope
Under the PSD2 framework, this AISP license authorizes the following specific activities:
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Access, with user consent, to payment account information held by EU/EEA payment service providers (Account Information Services, AIS). -
Services enabling cash to be placed on a payment account. -
Execution of direct debits. -
Execution of payment transactions. -
Execution of credit transfers. -
Passporting rights: upon completion of the relevant host-state notification procedures, regulated account information services may be provided across all EU/EEA member states.
05 | Deal Terms at a Glance
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06 | Risk Considerations
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No existing customers or revenue streams; the buyer will need to build the operating framework from scratch. -
The buyer must establish banking partnerships or API connections to support actual business operations. -
Activation of passporting rights requires completion of host-country notification procedures in each member state. -
Ongoing compliance with PSD2 and risk management requirements is necessary.
07 | Key Conclusion
Ouxin believes the core value of this transaction lies in the target's AISP license——an immediate, compliant pathway into the EU open banking and financial data services space, without the lengthy wait for a new application.
For fintech innovators, financial data product developers, digital platform operators, or strategic investors seeking to quickly obtain regulated status in the European open banking landscape, this is a cleanly structured, flexible point of entry that merits close attention.
About Ouxin
Ouxin Overseas Asset Allocation Consulting Company is an international consulting firm established in Europe. It primarily assists clients with financial business activities in the United Kingdom, Ireland, Portugal, Lithuania, Malta, and other countries, including overseas fund setup, overseas financial license applications, overseas company formation, overseas bank account opening, overseas real estate investment, and second citizenship planning.
At present, the main financial licenses the company can assist clients in applying for include: forex brokerage licenses, electronic banking licenses, payment licenses, fund licenses, offshore trust licenses, and digital currency licenses.
- Phone:
+353 870567755 - Email:
Info@ouxin.consulting - Website:
https://ouxin.consulting/