The standards we advise on, applied to ourselves

No, and nobody honest can: the bank always makes the decision. We do what actually improves the odds: we choose a bank or EMI whose risk appetite matches your model, prepare a complete file the first time and answer the bank's questions on time. If the scoping call shows there is no realistic chance, we tell you before you pay.

Online, when every founder and board member has an Estonian digital ID (e-Residency card, ID card, Mobile-ID or Smart-ID), the Business Register reviews a qualifying application by the next working day in the expedited procedure; without an e-Residency card yet, allow several weeks to get one. Through a notary, the register reviews the application within five working days. In our experience an EMI account opens in a few days to three weeks, and an Estonian bank account in 3-8 weeks, depending on the business's connection to Estonia. We fix the exact timeline in the proposal.

It means launching your crypto product in the EU with an authorised CASP as the regulated provider: the partner provides the crypto-asset services under its own authorisation, your users become its clients, and your company keeps the brand and the product. Your company needs no MiCA authorisation of its own, so MiCA's capital requirement does not apply to it; it follows the partner's compliance rules instead. It suits exchanges, wallets and brokerage services that need to launch now and obtain their own licence later; payment features with e-money tokens also need a partner with a payment licence. We choose the partner, check its licence and negotiate the agreement on your side.

Yes. Most of our clients are Estonian companies with foreign owners from the EU, the UK, Canada and other countries. There is one condition: the client and its beneficial owners pass our due diligence and fall outside the restrictions of our client acceptance policy.

Usually not. Under a power of attorney we act for you before the Business Register, banks and the Tax and Customs Board. Documents are signed digitally (e-Residency card, Smart-ID or Mobile-ID), remotely with an Estonian notary, or before a notary in your country with an apostille where Estonian law accepts that. You appear in person to collect an e-Residency card (at an Estonian embassy or another official pickup point), to apply for a residence permit (fingerprints are taken), and at banks that identify non-residents only face to face.

Write to us the same day: bank requests come with hard deadlines, and the strategy of the reply matters more than the request itself. We find out the real reason, prepare an answer to every point, open a back-up account in parallel and challenge the refusal where it is unfounded.

Corporate documents, the beneficial owners down to the natural person, ID verification of the people who sign, and a written description of the business and its source of funds. For politically exposed persons, complex structures and high-risk third countries we apply enhanced due diligence.

No. Averium does not hold, custody or transfer client funds, and does not act as nominee director or shareholder. Clients pay their own capital contributions and third-party fees directly.

We keep what you tell us confidential, under our engagement agreement and under the Law of Obligations Act, which binds every provider of services under a mandate. We share your information only to carry out your instructions or where the law requires it, for example under the anti-money-laundering act. Documents are stored in the EU, and partner firms receive only what their part of the work needs, under an NDA. Our privacy policy, linked at the foot of every page, sets out how we process your data; questions about your data go to info@averium.ee.

Yes: through partner law firms in 36 jurisdictions, under one engagement with us. We represent clients in disputes only in Estonia; a dispute in another country runs with a partner law firm.