Estonian fintech is among EU's top tier: LHV Pank is listed on Nasdaq Tallinn, Funderbeam is an international crowdinvesting platform, Coop Pank is a growing digital bank. The Estonian Banking Association connects all local and foreign banks. 4b2b supports fintech-specific requirements: PSD2 SCA, MiCA crypto-asset license, AML/CFT reporting to Finantsinspektsioon.
We offer payments service — PSD2 SCA is mandatory.
SCA (Strong Customer Authentication) module: 3DS2 integrated, Smart-ID / Mobile-ID as inherence factor, mobile PIN as possession factor. Risk-Based Authentication kicks in for low-risk transactions.
We deal with crypto-assets — MiCA license arrives in 2025.
MiCA module: crypto-asset registry (BTC, ETH, USDC, USDT), transaction audit trail, capital requirements (CASP €125k, EMI €350k), quarterly Finantsinspektsioon report.
AML reports to Finantsinspektsioon are manual — takes 2 days a month.
AML module: client due diligence (CDD/EDD), PEP screening (Refinitiv World-Check + EU sanctions), transaction monitoring (rule-based + ML). Goaml-format report automatic by the 15th of each month.
The 4b2b ecosystem combines e-Residency, EMTA, X-Road and ID-card in one platform. Industry configurations activate by NACE code.
