Formation, licensing & banking for high-risk operators
We form, license and bank the operators others won't touch.
Gambling, iGaming, forex, adult, crypto and fintech operators are the businesses banks decline and generalist firms avoid. We form the company, secure the licence and open the account, and we file the work ourselves rather than handing you to a referral chain. One firm stays accountable from the first scope call to go-live.
Why Tomberg & Partners
Two things set us apart
1. A controlled network. Never offloaded to strangers.
We have a direct line to lawyers, accountants and licensed specialists in every country we service. Some of the work is done in-house; the rest is delivered by established providers we have personally vetted and work with directly. Unlike lead-generation consultancies, we never pass your case to an unverified third party. You get one accountable relationship and real people on the ground in the jurisdiction, not a referral and a handshake.
2. First-hand experience with the hard cases.
We have personally delivered difficult, multi-jurisdiction formation and licensing work for operators in the most demanding verticals. This is operator-grade experience, not generalist corporate services. When a case spans an EU operating entity, an offshore holding company and a gaming licence that all have to fit together, we have done it before and we sequence it so each piece supports the next.
Who we serve
Built for the operators others avoid
High-risk and regulated industries are our entire focus. We understand how these businesses are underwritten, why generic providers fail them, and what a regulator actually wants to see. We work with:
Gambling operators
Land-based and online, across regulated and offshore licensing routes.iGaming operators
Casinos, sportsbooks and betting platforms that need a licence and a home for the company behind it.Forex and trading businesses
Brokers, CFD platforms and proprietary trading firms.The adult industry
Content, platform and service businesses that need a credible, bankable structure.High-risk and cross-border ecommerce
Merchants in categories the standard route declines.Crypto and Web3 businesses
Exchanges, custodians, issuers and protocols needing VASP or MiCA CASP authorisation.Fintech and payments companies
EMIs, payment institutions and platforms building regulated infrastructure.US persons are excluded as service clients.
What we do for you
Formation, licensing and banking, delivered end to end
Company Formation
We form the company so it survives the banking and licensing review that follows. The wrong jurisdiction, the wrong director profile, or a structure with no real substance fails downstream every time. We choose the seat deliberately, incorporate it in-country, and put the right substance in place, whether that is an EU operating entity for MiCA authorisation, a holding structure, or a company in a specialist hub. We deliver formation across EU member states, the United Kingdom, Switzerland, the UAE, Singapore, Hong Kong, Georgia, Panama and more.
Licensing
We prepare the application, build the supporting pack, and deal with the regulator directly until the licence is granted. We cover gambling and iGaming licensing in Anjouan, Curaçao, the Isle of Man, Kahnawake and Tobique; crypto and MiCA CASP authorisation in Lithuania, Cyprus, Gibraltar, Malta, Poland and Switzerland; and forex, EMI and payment-institution licensing across regulated and offshore jurisdictions. The specialist who matters is the one who has lodged a comparable file in the same jurisdiction recently, and that is exactly who handles your case.
Banking & Payments
We help high-risk and regulated businesses open the bank and payment accounts that everyone else turns away. We work directly with EU EMIs, payment institutions and crypto-aware banks, we know which ones currently take which profiles, and we prepare the file, confirm appetite before you apply, and make the introduction ourselves. Come to us for banking on its own, or alongside the company and the licence: a working account is the difference between a licence on the wall and a business that can actually trade.
How we work
One firm, accountable from scope to go-live
Step 1
1. We scope your case
Tell us the business, the markets you serve, and the specific point of friction. We come back with a clear, structured view: the jurisdiction, the entity type, the licensing path and the order of work. If something cannot be done, we tell you plainly rather than take the engagement and fail.Step 2
2. We deliver in-country
We form the company, file the licence applications, and handle the regulator. The work is done in-house or by the in-country specialists we control and have vetted ourselves. Where formation, licensing and banking interlock, we sequence them so each piece fits the next.Step 3
3. One accountable point of contact
You deal with us throughout, not a chain of intermediaries. We coordinate every moving part, report on progress, and stay on the hook for the outcome until your business is operational.Where we deliver
The jurisdictions we service
We form companies and secure licences in the markets that actually work for high-risk operators. A selection of what we deliver:
Company formation
European Union
- Estonia
- Lithuania
- Latvia
- Cyprus
- Malta
- Poland
- Czech Republic
- Romania
- Austria
- Croatia
- Portugal
- Sweden
- Finland
- Denmark
Wider Europe
Asia, Middle East & Americas
Crypto licensing (VASP / CASP / MiCA)
with EU passporting where the regime allows it.
If your target jurisdiction is not listed, tell us anyway. We will tell you honestly whether we can deliver it or point you to the realistic alternative.
By industry
Solutions for your business model
We package formation, licensing and banking around how each operator type actually works. Pick your vertical, or browse all solutions →
Forex & CFD brokers
Broker licensing, entity, capital and liquidity setup for retail and B2B trading firms.Adult industry
Bankable formation and compliance for content, cam, dating and creator platforms.E-commerce & high-risk retail
Formation, payments and structuring for the merchants mainstream processors decline.Crypto & Web3
VASP and MiCA CASP authorisation for exchanges, DeFi, stablecoin issuers and TradFi entrants.Fintech
EMI and payment-institution licensing, safeguarding and banking for fintech and payments companies.Use Cases
How we delivered it
Daniel K. · CEO, iGaming operator
“We had spent months trying to get formed and licensed on our own and kept hitting walls. Tomberg & Partners scoped the whole thing, incorporated the company and ran the licence application in parallel. They handled the regulator directly and we always knew exactly where things stood.”
View Use Case →
Maria S. · COO, payments company
“Our previous provider split formation and licensing across two separate engagements, with a different firm doing each. Tomberg & Partners did both, in-house and through their own people on the ground. One point of contact, one firm accountable for the result.”
View Use Case →
Andrei V. · Founder, forex broker
“What stood out was the honesty. They told us up front which jurisdiction would actually work for our model rather than selling us the easy answer. The structure they built passed every regulatory review that followed.”
View Use Case →FAQ
Questions, answered
Do you do the work yourselves?
Yes. We are a direct service provider, not a lead generator. We form your company, prepare and file your licence applications, and deal with the regulator. Delivery runs through a controlled network of in-country lawyers, accountants and licensed specialists: some of the work is done in-house, the rest through established providers we have personally vetted and work with directly. We never hand a client to an unverified third party, and we stand behind the outcome.
Who do you work with?
We are built for high-risk and regulated operators: gambling and iGaming operators, forex and trading businesses, the adult industry, high-risk and cross-border ecommerce, crypto and Web3 businesses, and fintech and payments companies. US persons are excluded as service clients.
What exactly do you do for me?
We form the company in the right jurisdiction, secure the licences your model needs, and arrange the banking and payment support around them. Where formation, licensing and banking interlock, we sequence them so each piece fits the next. You deal with one accountable firm from the first call to operational go-live.
Which jurisdictions do you cover?
We deliver company formation in EU member states including Estonia, Lithuania, Cyprus and Malta, plus the United Kingdom, Switzerland, the UAE, Singapore, Hong Kong, Georgia, Panama and other markets. Gambling licensing is delivered in Anjouan, Curaçao, the Isle of Man, Kahnawake and Tobique. Crypto licensing is delivered in Lithuania, Cyprus, Gibraltar, Malta, Poland and Switzerland. We recommend the right jurisdiction for your model during the initial scope.
What is MiCA, and what is the difference between VASP and CASP?
MiCA, the Markets in Crypto-Assets Regulation, is the EU’s framework for crypto-asset service providers. CASP (Crypto-Asset Service Provider) is the authorisation MiCA defines; VASP (Virtual Asset Service Provider) is the term used in pre-MiCA national rules and outside the EU. Within the EU, CASP authorisation replaces national VASP registrations, and it passports across all 30 EEA states. We deliver both, depending on where you are licensed.
How long does it take?
It depends on the jurisdiction and the licence type. Company formation is usually the fastest step. Gambling and crypto licensing run on longer regulatory clocks that vary by jurisdiction. We give you a realistic, jurisdiction-specific timeline when we scope your case, not an optimistic headline figure.
What does it cost?
Every engagement is scoped and quoted individually, because formation and licensing costs depend on the jurisdiction, the licence type and the complexity of the structure. Tell us about your case and we will come back with a clear quote.
Can you help operators that other firms have turned away?
Often, yes. Most operators reach us after a refusal, a stalled application, or a structure that has just failed review. Because we specialise in high-risk verticals and work directly with in-country specialists, we can usually find a workable path where a generalist firm could not. When something genuinely cannot be done, we tell you so.
Tell us about your case.
Describe the business, the jurisdictions involved, and the point of friction. We will come back with a recommended path, a realistic timeline, and a quote. One conversation, and we get to work.