Where in Europe is the best place to launch a digital financial business? CoinsPaid names the top 5 countries with the best conditions for adaptation

Where in Europe is the best place to launch a digital financial business? CoinsPaid names the top 5 countries with the best conditions for adaptation

CoinsPaid, a licensed digital payment service provider from Estonia, has published an in-depth analytical report that examines 41 European countries in terms of their level of adaptation to digital assets and financial technologies.

The focus is not only on asset trading, but on the entire ecosystem of innovation, regulation, technology, and accessibility. As stated by CoinsPaid CEO Max Krupyshev:

“The Web3 industry is integrating not only into fintech, but into everyday life. We’ve created a mirror for the market — to see where the progress is real, and where ambition still exceeds reality.”

📊 Methodology: how the countries were evaluated

The assessment was conducted using five meta-indices:

• Technological development
• Business infrastructure
• Regulation
• Taxation
• Public interest and accessibility

CoinsPaid analysts collected data from the past five years, normalized the results, formed indices using PLS regression (Partial Least Squares), and derived an overall integrated score.

Top 5 countries by overall adaptation index:

• United Kingdom
• Germany
• Liechtenstein
• Switzerland
• France

Countries with high GDP generally show better results due to their mature infrastructure and active markets. Notably, some smaller jurisdictions — like Liechtenstein — have surpassed even founding EU members due to their flexibility and friendly regulatory approach.

Georgia received special recognition — among EU candidate countries, it stands out thanks to the government’s active course toward regulatory development.

💡 What does this mean for digital business?

CoinsPaid confirms the general trend: countries with clear regulation but an open approach to innovation are leading in adaptation. Among them, those with national or sector-specific legislation tailored to the new economy — such as the Blockchain Act in Liechtenstein or the UK Digital Asset Framework — are gaining the most advantage.

The EU is implementing MiCA to unify its approach, but the flexibility of certain non-EU countries still gives them an edge in the speed of business setup.

🔧 How does FINANCEIQ HUB LTD help you enter the markets of these leaders?

🔹 If you are considering the EU (Germany, France, Liechtenstein), we advise on MiCA requirements, prepare documents, support company structuring, and develop AML/CTF policies.
🔹 If you want a more flexible and faster alternative — we establish companies from scratch in Canada and the USA, obtain MSB or FMSB status, open accounts, connect acquiring services and liquidity providers, and implement a complete AML system.

Everything is delivered turnkey, in accordance with international standards. We work for results and ensure a stable, compliant launch of your business into the global market.

📩 Contact FINANCEIQ HUB LTD to choose the jurisdiction that works best for your model.