In-depth breakdown by category such as Operations, Staff, Requirements, Taxation, and more.
Level 2
Company Information Overview
Full/National Payment Institution (NPI) - Krajowa Instytucja Płatnicza (KIP) in Poland for Sale – Listing #878
Date: 22 Sep, 2026
Asset ID #878
A standardized N5Deal (TM) listing overview that consolidates key legal, regulatory, and business information about the asset — all the necessary information structured in one place.
ValidatedThis Asset is undergoing a preliminary compliance check. Please note that full due diligence before buying the asset should be performed by the Buyer
CountryPoland
Type of LicenseFull/NPI - KIP
Full/National Payment Institution (NPI) - Krajowa Instytucja Płatnicza (KIP)
Type of BusinessPayment
Business StatusActive
Asking Price€3.5M
Asset Type
Active Business (Licensed)Active Business (Licensed): Operating financial company with a valid license, active clients, and ongoing operations.
Active Business (Licensed)
EmployeesN/A
Year of IssueN/A
RegulatoryN/A
Included
PLN 1bn Annual TurnoutProven PLN 1.17m EBITDA (2025)96,000 Registered Customers13 Proprietary Online FX Offices8 Operating White-Label DeploymentsProprietary Fintech FX Software StackExisting Brand Equity DomainsFully Scaled Operating Infrastructure
Turnkey Polish KIP payment institution with PLN 1bn annual volume, PLN 1.17m EBITDA in 2025, 96k clients, and 21 deployed online currency-exchange platforms.
Turnkey Polish KIP payment institution with PLN 1bn annual volume, PLN 1.17m EBITDA in 2025, 96k clients, and 21 deployed online currency-exchange platforms.
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Market Price Trend (2019-2025)
Level 1
Asset ID #878
Turnkey Polish KIP payment institution with PLN 1bn annual volume, PLN 1.17m EBITDA in 2025, 96k clients, and 21 deployed online currency-exchange platforms.
Asking Price€3.5M
Asset ID Information
SellerDirect Seller
CountryPoland
Type of BusinessPayment
Business StatusActive
Type of LicenseFull/NPI - KIP
Other LicenseN/A
EmployeesN/A
Year of issueN/A
RegulatoryN/A
Benefits
PLN 1bn Annual TurnoutProven PLN 1.17m EBITDA (2025)96,000 Registered Customers13 Proprietary Online FX Offices8 Operating White-Label DeploymentsProprietary Fintech FX Software StackExisting Brand Equity DomainsFully Scaled Operating Infrastructure
In-depth breakdown by category such as Operations, Staff, Requirements, Taxation, and more.
Level 2
Company Information Overview
General Asset InformationPoland – National Payment Institution (KIP) & FX Platform
An active, profitable Polish National Payment Institution (Krajowa Instytucja Płatnicza – KIP) combining a comprehensive EU payment institution licence with established currency exchange and remittance operations. The enterprise processes substantial volume, demonstrates proven EBITDA profitability, and operates a proprietary technology network serving tens of thousands of registered clients.
Regulatory Framework & Corporate ProfileCountry: Poland.
License Type: National Payment Institution (KIP / API).
Regulator: Polish Financial Supervision Authority (Komisja Nadzoru Finansowego – KNF).
Status: Active, commercially operating enterprise with positive earnings.
European Reach: Standard EU regulatory foundation under PSD2, enabling EEA passporting.
Transaction Scope: Full turnkey corporate acquisition including the licensed legal entity, software stack, brand assets, customer base, and operating portals.
Transaction Volume: High-volume flow processing approximately PLN 1,000,000,000 annually.
Earnings: Sustained profitability with PLN 1,170,000 EBITDA achieved in recent performance periods.
Client Base: Established market presence servicing approximately 96,000 registered users.
Digital Infrastructure: Deployed network of 21 online currency exchange platforms, consisting of 13 proprietary branded portals and 8 white-label integrations.
Human Capital: Experienced local operational, technical, and compliance management team in place.
The institution holds an expansive operational scope under the Polish Payment Services Act:
Cash deposits and withdrawals, including payment account administration.
Execution of payment transactions and card-based payment flows.
Execution of credit transfers, direct debits, and automated standing orders.
Issuance of payment instruments and integrated payment interfaces.
Domestic and cross-border money remittance operations.
Proprietary fintech and FX software engine facilitating high-throughput automated settlement.
Implemented AML/CTF architecture, transaction monitoring systems, and automated customer due diligence protocols aligned with KNF standards.
Production-grade security, data handling procedures, and operational resilience frameworks.
Transparent audit trail and regulatory reporting history with no outstanding supervisory sanctions.
A premier turnkey EU National Payment Institution (KIP) with substantial transaction volume, proven EBITDA profitability, and an established digital FX footprint. An outstanding strategic acquisition for international payments groups, fintech conglomerates, or FX operators seeking immediate European market share and a profitable operating engine.
Selling Reason — Exit Strategy
Selling Reason DetailsN/A
Company HistoryN/A