+372 600 1234 info@cryptolicense.pro Tornimäe tn 5, Tallinn
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Andres Kaarma, Managing Partner

Andres Kaarma

Managing Partner

12 years in regulatory practice · Languages: English, Estonian, Russian

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Andres founded Crypto License Pro in 2021 after a decade in financial-services regulation, including supervisory roles at the Bank of Lithuania and a stint advising payment institutions during the EMD2 transposition. He leads the firm's MiCA practice and personally signs off on every CASP file.

Andres started his career at the Estonian Financial Supervision Authority (Finantsinspektsioon), where he spent four years in the off-site supervision team for credit institutions and payment service providers. He moved to the Bank of Lithuania in 2014 to help build out their fintech-specialist regulatory desk during the early years of the country’s e-money licence boom — a tenure that gave him direct line-of-sight into how regulators evaluate novel business models.

He left the regulator in 2018 to advise crypto-asset firms full-time, and founded Crypto License Pro in 2021 specifically to handle the wave of MiCA-driven authorisation work he saw coming. He is admitted to the Estonian Bar and writes regularly for industry publications on prudential capital and conflict-of-interest rules under MiCA.

Qualifications

  • LL.M., European Financial Law
  • Member, Estonian Bar Association

Bar admissions

  • Estonian Bar Association

Education

  • LL.M., European Financial Law, University of Helsinki
  • LL.B., University of Tartu

Areas of focus

  • MiCA CASP authorisation
  • Prudential capital structuring
  • Cross-border passporting
  • Regulatory engagement