“Can a Lithuanian EMI become a pan-European fintech super-app by stitching payments, cards, FX and third-party lending onto its own licensed rails?”
Founded in 2004 as a small Lithuanian payments processor, Paysera evolved from mokejimai.lt into a licensed Lithuanian EMI offering multi-currency IBAN accounts, Visa cards, currency exchange, merchant payment processing and open banking APIs across the Baltics and EU. Its stated strategy is to become a 'financial super-app' — because it is an EMI (not a bank) it cannot take deposits or lend, so newer capabilities like revenue-based financing are added via third-party partnerships (Softloans) rather than in-house.