---
title: "Lightyear Europe AS · Crypto-asset service provider (EFSA) · Estonia | Elucidate"
description: "Lightyear Europe AS is authorised by Estonian Financial Supervision Authority (EFSA) as a crypto-asset service provider in Estonia. Licence 254900BBBJZF2IE8EN54. LEI 254900BBBJZF2IE8EN54. Register status, licences, activities and ownership."
url: https://elucidate.co/directory/lightyear-europe-as-e566b2faf51f
---

1.  [Directory](https://elucidate.co/directory)
2.  [Estonia](https://elucidate.co/directory/country/ee)
3.  Lightyear Europe AS

Estonia · Crypto

# Lightyear Europe AS

Lightyear Europe AS is an Estonian public limited company (aktsiaselts) based in Tallinn. Finantsinspektsioon, the Estonian Financial Supervision Authority, authorises it as an investment firm under activity licence 4.1-1/31. The same authority permits it to provide certain crypto-asset services under activity licence 4.1-1/147. Lightyear Financial Ltd of the United Kingdom owns all of its shares. Through the Lightyear app, it offers retail and business customers in 25 EEA countries shares, ETFs, money market fund savings and, since May 2026, crypto-assets.

Register status

Licensed in Estonia

Crypto-asset service provider · Estonian Financial Supervision Authority (EFSA)

Prudential licence

[1 licence or registration ↓](https://elucidate.co/directory/lightyear-europe-as-e566b2faf51f#licences)

BIC **No BIC** LEI **[254900BBBJZF2IE8EN54](https://search.gleif.org/#/record/254900BBBJZF2IE8EN54)** [Licence no. **254900BBBJZF2IE8EN54**](https://elucidate.co/directory/lightyear-europe-as-e566b2faf51f#licences)

## Licences and registrations

Held by Lightyear Europe AS (LEI 254900BBBJZF2IE8EN54). 1 entry on 1 of the 22 tracked registers, retrieved 25 September 2026.

| Register | Licence | Number | Jurisdiction | Status | Registered | Ends | Activities | Register entry |
| --- | --- | --- | --- | --- | --- | --- | --- | --- |
| [ESMA interim MiCA register of crypto-asset service providers](https://elucidate.co/directory/register/esma-casp) Estonian Financial Supervision Authority (EFSA) | Crypto-asset service providerCrypto-Asset Service Provider | 254900BBBJZF2IE8EN54 | [Estonia](https://elucidate.co/directory/country/ee) | Active | 2025-11-17 | — | - Crypto-assets | [Search the register ↗](https://www.esma.europa.eu/esmas-activities/digital-finance-and-innovation/markets-crypto-assets-regulation-mica) |

-   Each licence applies in the country of the regulator that granted it.
-   Registers are tracked in 37 countries. Licences granted elsewhere are not recorded here.

## Swift network

Swift’s ISO 9362 BIC directory

Holds no BIC in Swift’s directory.

Its LEI is not mapped to a BIC in the Swift and GLEIF BIC-to-LEI relationship file.

## Overview

Researched 29 Sep 2026 · [Sources](https://elucidate.co/directory/lightyear-europe-as-e566b2faf51f#overview-sources)

Customers

Not published

Employees

Not published

Ownership

Group subsidiary

100% Lightyear Financial Ltd

Firm type

Investment or brokerage

Trades as Lightyear

- **Ownership:** Lightyear Financial Ltd (UK company number 12925823) holds 100% of the shares, and the register names co-founders Martin Sokk and Mihkel Aamer as indirect beneficial owners.
- **Direct parent:** [Lightyear Financial Ltd ↗](https://search.gleif.org/#/record/254900FYBFGUC5N50W68), United Kingdom 100%
- **Head office:** Volta 1, 10412 Tallinn, Estonia
- **Company register:** Estonian Commercial Register 16235024
- **Incorporated:** 21 May 2021
- **Founders:** Martin Sokk · Mihkel Aamer

### Online

- **Websites & references:** [lightyear.com ↗](https://lightyear.com/) [status.lightyear.com ↗](https://status.lightyear.com/) status page [careers.lightyear.com ↗](https://careers.lightyear.com/) careers site (group)
- **Official social accounts:** [LinkedIn ↗](https://www.linkedin.com/company/lightyear) · [X ↗](https://x.com/go_lightyear) · [Facebook ↗](https://www.facebook.com/golightyear) · [Instagram ↗](https://www.instagram.com/golightyear/)
- **Apps:** [App Store ↗](https://apps.apple.com/gb/app/lightyear-investing/id1562105616) · [Google Play ↗](https://play.google.com/store/apps/details?id=com.golightyear.mobile)

Sources · 15 pages consulted

1.  [ariregister.rik.ee/est/company/16235024/Lightyear-Europe-AS](https://ariregister.rik.ee/est/company/16235024/Lightyear-Europe-AS)
2.  [fi.ee/en/investment-market/investment-firms-0/investment-market/licenced-investment-firms-eston](https://www.fi.ee/en/investment-market/investment-firms-0/investment-market/licenced-investment-firms-estonia/lightyear-europe)
3.  [fi.ee/en/news/lightyear-europe-was-granted-additional-operating-licence](https://www.fi.ee/en/news/lightyear-europe-was-granted-additional-operating-licence)
4.  [fi.ee/en/news/lightyear-europe-was-granted-operating-authorisation-investment-firm](https://www.fi.ee/en/news/lightyear-europe-was-granted-operating-authorisation-investment-firm)
5.  [lightyear.com/](https://lightyear.com/)
6.  [lightyear.com/en-eu/help/managing-my-lightyear-account/how-is-lightyear-regulated](https://lightyear.com/en-eu/help/managing-my-lightyear-account/how-is-lightyear-regulated)
7.  [lightyear.com/en-eu/help/deposits-conversions-and-withdrawals/how-are-my-assets-protected](https://lightyear.com/en-eu/help/deposits-conversions-and-withdrawals/how-are-my-assets-protected)
8.  [lightyear.com/en-eu/help/trading-and-investments/are-securities-i-buy-held-in-my-name](https://lightyear.com/en-eu/help/trading-and-investments/are-securities-i-buy-held-in-my-name)
9.  [lightyear.com/en-eu/terms](https://lightyear.com/en-eu/terms)
10.  [lightyear.com/en-eu/about](https://lightyear.com/en-eu/about)
11.  [lightyear.com/en-eu/blog/andres-kitter](https://lightyear.com/en-eu/blog/andres-kitter)
12.  [lightyear.com/en-eu/blog/crypto-on-lightyear](https://lightyear.com/en-eu/blog/crypto-on-lightyear)
13.  [thepaypers.com/crypto-web3-and-cbdc/news/lightyear-adds-crypto-access-for-eu-investors-via-kraken](https://thepaypers.com/crypto-web3-and-cbdc/news/lightyear-adds-crypto-access-for-eu-investors-via-kraken)
14.  [cnbc.com/2025/07/24/european-robinhood-rival-lightyear-raises-23-million.html](https://www.cnbc.com/2025/07/24/european-robinhood-rival-lightyear-raises-23-million.html)
15.  [fintech.global/2025/07/25/european-investing-platform-lightyear-secures-23m/](https://fintech.global/2025/07/25/european-investing-platform-lightyear-secures-23m/)

## Authorisation

Researched 29 Sep 2026 · [Sources](https://elucidate.co/directory/lightyear-europe-as-e566b2faf51f#overview-sources)

- **Operates under:** Its own licences

Finantsinspektsioon authorises the firm as an investment firm under activity licence 4.1-1/31. Under activity licence 4.1-1/147, it is permitted to provide certain crypto-asset services as an investment firm. It appears on ESMA's interim MiCA register of crypto-asset service providers from 17 November 2025. The firm states that it is authorised to operate across the EU and EEA.

| Authority | Licence or registration | Number | Held | Status | Source |
| --- | --- | --- | --- | --- | --- |
| Finantsinspektsioon (Estonian Financial Supervision and Resolution Authority) Estonia | Activity licence of an investment firm | 4.1-1/31 | In its own name | Active | [fi.ee ↗](https://www.fi.ee/en/investment-market/investment-firms-0/investment-market/licenced-investment-firms-estonia/lightyear-europe) |
| Finantsinspektsioon (Estonian Financial Supervision and Resolution Authority) Estonia | Permission to provide certain crypto-asset services (MiCA), listed in ESMA's interim MiCA register of crypto-asset service providers | 4.1-1/147 | In its own name | Active | [lightyear.com ↗](https://lightyear.com/en-eu/help/managing-my-lightyear-account/how-is-lightyear-regulated) |
| Finantsinspektsioon (Estonian Financial Supervision and Resolution Authority) Estonia | Additional activity licence of an investment firm (investment advice, dealing on own account) | 4.1-1/32 | In its own name | Status unconfirmed | [fi.ee ↗](https://www.fi.ee/en/news/lightyear-europe-was-granted-additional-operating-licence) |

Licences and registrations the research found, at home and abroad, as the firm and its regulators publish them. The Licences and registrations card shows the entries on the registers the directory tracks.

## Partners and safeguarding

Researched 29 Sep 2026 · [Sources](https://elucidate.co/directory/lightyear-europe-as-e566b2faf51f#overview-sources)

- **Safeguarding:** Segregated safeguarding accountsThe firm states that it keeps uninvested customer money apart from its own funds, mainly at Erste Bank Hungary Zrt. and Citibank Europe Plc, Germany Branch, with small amounts at LHV Bank and the rest in BlackRock and J.P. Morgan qualifying money market funds. It adds that the Estonian Investor Protection Sectoral Fund covers non-crypto assets up to EUR 20,000. [lightyear.com ↗](https://lightyear.com/en-eu/help/deposits-conversions-and-withdrawals/how-are-my-assets-protected)
- **Crypto-asset custody:** Held by a third-party custodianThe firm routes crypto-asset orders through Kraken and holds customers' crypto-assets in an omnibus account in its own name at Kraken (Payward Europe Solutions Limited), segregated from its own estate. [lightyear.com ↗](https://lightyear.com/en-eu/help/trading-and-investments/are-securities-i-buy-held-in-my-name)
- **Safeguarding bank:** Erste Bank Hungary Zrt. Hungary [lightyear.com ↗](https://lightyear.com/en-eu/help/deposits-conversions-and-withdrawals/how-are-my-assets-protected)
- **Safeguarding bank:** Citibank Europe Plc, Germany Branch Germany [lightyear.com ↗](https://lightyear.com/en-eu/help/deposits-conversions-and-withdrawals/how-are-my-assets-protected)
- **Safeguarding bank:** LHV Bank Estonia [lightyear.com ↗](https://lightyear.com/en-eu/help/deposits-conversions-and-withdrawals/how-are-my-assets-protected)
- **Crypto custodian:** Kraken (Payward Europe Solutions Limited) Ireland [lightyear.com ↗](https://lightyear.com/en-eu/help/trading-and-investments/are-securities-i-buy-held-in-my-name)

Banks and regulated firms the firm says hold its customers’ money, issue its cards, sponsor its accounts or settle its payments, as it discloses them in its terms and notices.

## Products and markets

Researched 29 Sep 2026 · [Sources](https://elucidate.co/directory/lightyear-europe-as-e566b2faf51f#overview-sources)

-   Crypto trading
-   Multi currency accounts
-   FX conversion
-   Crypto custody

It offers execution-only trading in shares, ETFs and bonds, money market fund savings vaults, multi-currency cash balances in EUR, USD and GBP, and trading in 12 crypto-assets.

The firm says its authorisation covers the EU and EEA and that it currently serves customers in 25 countries.

- **Revenue:** EUR 4.24mThis entity · 31 Mar 2026 · [regulatory filing ↗](https://ariregister.rik.ee/est/company/16235024/Lightyear-Europe-AS)
- **Sells to:** Consumers · Small businesses
- **Serves customers in 25 countries:** Austria · Belgium · Bulgaria · Croatia · Cyprus · Denmark · Estonia · Finland · France · Germany · Greece · Hungary · Ireland · Italy · Latvia · Lithuania · Luxembourg · Malta · Netherlands · Norway · Portugal · Slovakia · Slovenia · Spain · Sweden
- **Latest funding round:** Series B · USD 23m Jul 2025 Led by NordicNinja [cnbc.com ↗](https://www.cnbc.com/2025/07/24/european-robinhood-rival-lightyear-raises-23-million.html)
- **Total raised:** USD 58m to Jul 2025 · [fintech.global ↗](https://fintech.global/2025/07/25/european-investing-platform-lightyear-secures-23m/)

## Leadership

Researched 29 Sep 2026 · [Sources](https://elucidate.co/directory/lightyear-europe-as-e566b2faf51f#overview-sources)

- **Chair:** Mihkel Aamer Chair of the Supervisory Board Confirmed 29 Sep 2026 · [ariregister.rik.ee ↗](https://ariregister.rik.ee/est/company/16235024/Lightyear-Europe-AS)
- **Executive:** Heili Veskimeister Member of the Management Board Confirmed 29 Sep 2026 · [ariregister.rik.ee ↗](https://ariregister.rik.ee/est/company/16235024/Lightyear-Europe-AS)
- **Executive:** Uku Lember Member of the Management Board Confirmed 29 Sep 2026 · [ariregister.rik.ee ↗](https://ariregister.rik.ee/est/company/16235024/Lightyear-Europe-AS)
- **Executive:** Andres Kitter Member of the Management Board; Head of European Operations Confirmed 29 Sep 2026 · [ariregister.rik.ee ↗](https://ariregister.rik.ee/est/company/16235024/Lightyear-Europe-AS)
- **Founder:** Martin Sokk Member of the Supervisory Board Confirmed 29 Sep 2026 · [ariregister.rik.ee ↗](https://ariregister.rik.ee/est/company/16235024/Lightyear-Europe-AS)

## Recent events

Researched 29 Sep 2026 · [Sources](https://elucidate.co/directory/lightyear-europe-as-e566b2faf51f#overview-sources)

1.  May 2026

    Other

    The firm launched trading in 12 crypto-assets for EU customers, with orders routed through Kraken.

    [thepaypers.com ↗](https://thepaypers.com/crypto-web3-and-cbdc/news/lightyear-adds-crypto-access-for-eu-investors-via-kraken)

2.  Apr 2026

    Leadership

    Mihkel Aamer became chair of the supervisory board, and Taavi Tamkivi and Wander Rutgers joined the board on 27 April 2026.

    [ariregister.rik.ee ↗](https://ariregister.rik.ee/est/company/16235024/Lightyear-Europe-AS)

3.  Nov 2025

    Licence

    The firm was entered in ESMA's interim MiCA register of crypto-asset service providers on 17 November 2025.

    [lightyear.com ↗](https://lightyear.com/en-eu/help/managing-my-lightyear-account/how-is-lightyear-regulated)

4.  Aug 2025

    Leadership

    Co-founder Martin Sokk became a member of the firm's supervisory board on 1 August 2025.

    [ariregister.rik.ee ↗](https://ariregister.rik.ee/est/company/16235024/Lightyear-Europe-AS)

5.  Jul 2025

    Funding

    The Lightyear group raised USD 23 million in a Series B round led by NordicNinja.

    [cnbc.com ↗](https://www.cnbc.com/2025/07/24/european-robinhood-rival-lightyear-raises-23-million.html)

6.  Apr 2025

    Leadership

    Andres Kitter joined the firm's management board on 10 April 2025.

    [ariregister.rik.ee ↗](https://ariregister.rik.ee/est/company/16235024/Lightyear-Europe-AS)

7.  Mar 2024

    Licence

    Finantsinspektsioon granted the firm an additional investment firm licence on 4 March, covering investment advice and dealing on own account.

    [fi.ee ↗](https://www.fi.ee/en/news/lightyear-europe-was-granted-additional-operating-licence)

Compliance-relevant events of the last three years, newest first: fines and enforcement, investigations, security incidents, licence changes, funding rounds, acquisitions and leadership changes. Each links to its source.

## Identifiers

- **Licence no. · ESMA-CASP:** 254900BBBJZF2IE8EN54
- **BIC:** Holds no BIC in Swift’s directory
- **LEI:** [254900BBBJZF2IE8EN54 ↗](https://search.gleif.org/#/record/254900BBBJZF2IE8EN54)
- **How the LEI was matched:** Published by the register
- **Elucidate firm ID:** e566b2faf51f

## Profile

- **Type:** Crypto
- **Regulation:** Prudential licence
- **Main licence class:** Crypto-Asset Service Provider
- **Activities:** - Crypto-assets
- **Licensed in:** [Estonia](https://elucidate.co/directory/country/ee) · Europe & Central Asia
- **First registered:** 2025-11-17
- **Website:** [lightyear.com ↗](https://lightyear.com/)

Types come from Swift’s BIC classification, the licences on the 22 tracked registers, and the ECB and FSB bank lists. Most banks outside the euro area appear as financial institutions, because their supervisors’ registers are not tracked yet.

## Ownership and group

GLEIF relationship records

- **Direct parent:** Lightyear Financial LTD · United Kingdom[254900FYBFGUC5N50W68 ↗](https://search.gleif.org/#/record/254900FYBFGUC5N50W68)

Group membership follows the accounting-consolidation relationships reported to GLEIF. It does not show ownership shares or control.

## Addresses

- **Address on the register:** Volta tn 1, Tallinn, 10412
- **Country:** Estonia

## ISO 20022 identification

As an agent in a Swift cross-border payment message (CBPR+)

This institution holds no BIC. A CBPR+ message identifies it by name and postal address, and may add its LEI or a clearing code.

- **Identified by:** Name and postal address, with its LEI
- **Postal address:** Incomplete: no town published
-   The register publishes no town as a separate field. A CBPR+ postal address needs at least a town name (TwnNm) and a country (Ctry).

The LEI record in GLEIF holds a structured legal address.

CBPR+ identifies the instructing and instructed agents by BIC only. An institution without a BIC can be the debtor, creditor or an intermediary agent.

The values are as published by the register. Check them against your own records before use.

## Related institutions

### Other crypto institutions in Estonia

-   [AS Lhv Pank BIC LHVBEE22 Credit institution Crypto Prudential licence Estonia · Licensed by Estonian Financial Supervision Authority (EFSA) · 529900GJOSVHI055QR67 (ESMA-CASP) · LEI 529900GJOSVHI055QR67](https://elucidate.co/directory/as-lhv-pank-lhvbee22)
-   [Lightspark Payments Europe AS No BIC Crypto Prudential licence Estonia · Licensed by Estonian Financial Supervision Authority (EFSA) · 6488O0OC79779MZX1E44 (ESMA-CASP) · LEI 6488O0OC79779MZX1E44](https://elucidate.co/directory/lightspark-payments-europe-as-d26112031c95)
-   [Ou Neuronext BIC NEUXEE22 Crypto Money service business Not on a tracked register Estonia · Registered with FINTRAC · M21093625 (FINTRAC-MSB) · LEI 984500EC6065ECA67367](https://elucidate.co/directory/ou-neuronext-neuxee22)

[See all →](https://elucidate.co/directory/search?type=crypto&cc=EE) [Other entries on ESMA-CASP →](https://elucidate.co/directory/register/esma-casp)

Sources & method

Register entries come from the public registers of financial regulators, standardised into one taxonomy. LEIs are matched through GLEIF, and a BIC is linked only through a shared LEI.

An institution missing from these registers is not necessarily unregulated.

Register entries are not matched against the OFAC or EU sanctions lists. Where the legal entity also holds a BIC, the matches for that BIC are on its page. Always screen against the official lists.

An institution is one entry in the directory: a BIC8 in Swift’s directory, or a firm on a tracked register that holds no BIC. Licences held by an institution with a BIC are shown on its page.

[Read the methodology →](https://elucidate.co/directory/methodology)

Register for this page

-   **ESMA interim MiCA register of crypto-asset service providers**—European Securities and Markets Authority (ESMA) · [source ↗](https://www.esma.europa.eu/esmas-activities/digital-finance-and-innovation/markets-crypto-assets-regulation-mica) as at 25 September 2026
-   **Ownership and group**—GLEIF Level 2 relationship records (accounting consolidation), matched by LEI.
-   **Overview, authorisation, partners, products, leadership and events**—researched per institution by an AI model with web search, from the firm's own website, terms and filings, regulators' registers and notices, company registers and news. Licences, partners, figures, people and events link to their source, and each card shows the research date. AI research can be wrong or out of date, so check key facts at the source.

## Assess the financial crime risk behind a licence

A licence records what an institution is authorised to do; it does not assess it. The [Elucidate FinCrime Index (EFI)](https://elucidate.co/ratings) is an independent score of the financial crime risk of banks and payment institutions.

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Licence and registration data are drawn from the public registers of the regulators named on each page and shown for information only; the official register is always the authority. LEIs and ownership are from GLEIF. Directory and gpi data are drawn from SWIFT's public sources. SWIFT, Swift gpi and UETR are trademarks of S.W.I.F.T. SC, Avenue Adèle 1, 1310 La Hulpe, Belgium. Elucidate is not affiliated with, endorsed by or sponsored by SWIFT or any regulator named here. Elucidate does not provide payment or other financial services.