The Central Bank of Latvia has issued an electronic money institution operating licence to SIA Paytegra, authorising it to issue electronic money and offer payment instruments. The announcement also reiterates the central bank’s expectations for applicants, pointing firms to its licensing roadmaps for process and documentation requirements, review timelines and other practical steps. It further encourages the use of pre-licensing consultations, where the central bank’s experts provide regulatory and documentation guidance and conduct an initial assessment of compliance with regulatory requirements to support higher-quality applications.