Recorded live at Baltic Fintech Days in Riga, this conversation with Hetti Lump Kivisaari, Counsel at Sorainen, cuts straight to the heart of why Estonia keeps winning the fintech race. With 20 years in financial law and deep roots in the Estonian ecosystem, Hetti brings a rare mix of legal precision and business instincts that makes this one worth watching in full.
You will hear why Estonia’s tax system, digital infrastructure, and e-residency program continue drawing founders from across the world, how the Baltic states are still competing fiercely for the best fintech companies rather than simply collaborating, what Estonia’s cautious approach to MiCA licensing actually means for crypto firms navigating the grandfathering deadline this summer, and why the Wise story is quietly building something Hetti calls the Wise Mafia, a flywheel of capital and knowledge funding the next generation of Estonian fintechs.
If you are a founder, investor, or anyone watching where Europe’s next fintech unicorns will come from, this is the conversation you need to hear.