Six industries. Tailored digital state stack.
Tech startups, fintech, e-commerce, consulting, real estate and tourism — each industry gets configurations activated by NACE code.
Tech startups — Skype, Wise, Bolt heritage
Estonia tech scene: Skype, Wise, Bolt, Pipedrive, Veriff. #1 unicorns per capita. SaaS billing, ESOP, EU/EUREKA grants.
Fintech and banking — LHV, Funderbeam, Coop Pank
Estonia fintech scene: LHV (Nasdaq Tallinn), Funderbeam, Coop Pank. Estonian Banking Association, Finantsinspektsioon, MiCA, PSD2.
E-commerce — Omniva, Itella, EU OSS
Estonia e-commerce: Omniva, Itella, DPD parcel tags. EU OSS B2C sales to other EU countries, VAT 22 %, Shopify/WooCommerce sync.
Consulting and professional services — e-Residency onboarding
Consulting, legal, accounting. e-Residency client onboarding (Xolo, 1Office model), hourly billing, retainer contracts.
Real estate — Tallinn property boom, land tax
Tallinn property: 8-15 % yearly price growth, land tax by municipality, rent/sale contracts, notary booking agreement.
Tourism and restaurants — Old Town, VAT 9 %
Estonia tourism: Tallinn Old Town, VAT 9 % on accommodation (vs 22 % restaurant), Booking/Expedia commissions, seasonality.
