Gencs Valters Law Firm

Swiss VASP entities available now.
Cross-border M&A · London · Riga · Vilnius · Tallinn
[email protected]

Lithuania has quietly become the EU's fintech M&A hub.

Checkout.com bought Blue EMI. Lloyds took Curve, whose EU operations run through Vilnius. Zilch acquired Fjord Bank and its full EU banking licence. Tide is building a major tech centre there.

The pattern is clear: global players are buying their way in rather than waiting years for a licence.

The window is open — by acquisition or by greenfield licensing. We advise on both.

Valters Gencs · [email protected]
London · Riga · Vilnius · Tallinn

https://www.linkedin.com/newsletters/off-market-7471188911374061569

Off-Market | LinkedIn Weekly brief on private, cross-border deal flow — the mandates that rarely reach public marketplaces.

The first 90 days determine whether a fintech-bank integration preserves or erodes deal value. We focus on three tactical priorities to secure measurable post-close benefits:

• Customer experience continuity — We maintain service levels during platform transitions; e.g., retaining onboarding flows in cross-border retail rollouts.
• Regulatory compliance harmonization — We align controls and reporting early; e.g., synchronizing AML rules across jurisdictions.
• IT data migration sequencing — We stage migrations to protect analytics and transaction integrity; e.g., phasing ledger consolidation to avoid reconciliation gaps.

VG Fintech Advisors aligns integration planning with strategic deal rationale to protect value and accelerate synergies. Learn how we help clients realize outcomes: https://wix.to/u0qx1EA

We compare three practical cross-border structuring routes—acquisition, joint venture, and asset carve-out—to help corporate decision-makers choose the path that best preserves deal value and limits ex*****on risk. VG Fintech Advisors draws on direct experience in similar transactions to make these options actionable.

Acquisition
• Pros: Clear control, unified operations, faster long-term integration.
• Cons: Higher upfront tax exposure, intensive regulatory approvals, longer due diligence timeline.

Joint Venture
• Pros: Shared regulatory burden, flexible capital commitments, preserved local partnerships.
• Cons: Governance complexity, potential value leakage, coordination delays.

Asset Carve-Out
• Pros: Targeted tax planning, simpler regulatory footprints for specific assets, faster closing on scoped assets.
• Cons: Transition service requirements, separation costs, residual liabilities.

We assess tax impacts, regulatory hurdles, and ex*****on timelines for each route so you can weigh value retention versus speed to close. Contact us to review which structure aligns with your strategic and compliance priorities. https://wix.to/qGvA3XC &A

We present a practical post-merger integration checklist for fintech acquisitions, grounded in VG Fintech Advisors’ cross-industry experience. We manage technology, regulatory, and cultural integration to secure promised synergies and sustain customer confidence. Visit https://wix.to/1TAfNwM to learn more. What integration challenge concerns you most? 📌🔍

We identify the valuation blind spots that can erode deal value and deliver a clear due diligence checklist tailored for fintech and financial institutions. VG Fintech Advisors assesses: 1) technology obsolescence risk; 2) quality of recurring revenue and customer retention; 3) regulatory capital and compliance impacts; 4) integration and platform scalability; 5) key model and assumption sensitivities. We translate findings into actionable adjustments and defensible valuation outcomes. Learn how our focused diligence preserves deal value and reduces ex*****on risk: https://wix.to/7ple77A . Contact us to discuss your transaction.