Licensing

Gambling Licence Consultation

12 licence routes across Tier 1, Tier 2 and Regional jurisdictions. We help operators pick the right fit, prepare the application and wire the platform into compliance from day one.

Pick your licence path

Tier 1

Premier prestige jurisdictions

MT Tier 1

Malta

MGA · 6 to 9 months

Premier EU gambling licence with full recognition across the European Economic Area.

Read the Malta guide
IM Tier 1

Isle of Man

GSC · 4 to 6 months

Prestige UK-adjacent licence with competitive tax regime and strong regulatory reputation.

Read the Isle of Man guide
GI Tier 1

Gibraltar

GLA · 4 to 6 months

UK-facing operators base of choice with efficient regulator and competitive tax.

Read the Gibraltar guide
GG Tier 1

Alderney

AGCC · 3 to 6 months

Respected Channel Islands route with strong regulator and zero corporate tax.

Read the Alderney guide
Tier 2

Fast-start offshore routes

CA Tier 2

Kahnawake

KGC · 3 to 5 months

Established First Nations jurisdiction with strong track record and North American positioning.

Read the Kahnawake guide
KM Tier 2

Anjouan

AOFA · 2 to 3 months

Affordable entry point for emerging markets with quick turnaround.

Read the Anjouan guide
CR Tier 2

Costa Rica

MH · 1 to 2 months

Offshore corporate wrapper for operators who already hold a primary licence elsewhere.

Read the Costa Rica guide
Regional

Market-specific entry licences

EE Regional

Estonia

EMTA · 4 to 6 months

EU licence with digital-first regulatory process and competitive cost structure.

Read the Estonia guide
RO Regional

Romania

ONJN · 3 to 5 months

Large EU market with clear regulatory framework and active player base.

Read the Romania guide
ON Regional

Ontario

AGCO (iGO) · 4 to 8 months

Largest regulated iGaming market in North America with strong player protection framework.

Read the Ontario guide
CA Regional

Tobique

TGC · 3 to 4 months

Emerging First Nations jurisdiction with focus on Americas markets.

Read the Tobique guide
All 12 routes at a glance

Jurisdiction comparison

Tier, regulator, typical timeline and first-year cost range across all 12 licence routes we consult on.

Jurisdiction Tier Regulator Time to licence Setup cost Annual fee
Malta Tier 1 MGA 6 to 9 months €25,000 to €100,000 €25,000 to €35,000
Isle of Man Tier 1 GSC 4 to 6 months £35,000 to £50,000 £35,000+
Gibraltar Tier 1 GLA 4 to 6 months £10,000 to £100,000 £100,000
Alderney Tier 1 AGCC 3 to 6 months £17,500 to £35,000 £35,000 to £70,000
Curacao Tier 2 CGCB 2 to 4 months €15,000 to €30,000 €10,000
Kahnawake Tier 2 KGC 3 to 5 months $25,000 to $40,000 $10,000 to $20,000
Anjouan Tier 2 AOFA 2 to 3 months $8,000 to $25,000 $8,000 to $12,000
Costa Rica Tier 2 MH 1 to 2 months $6,000 to $15,000 $500 to $2,000
Estonia Regional EMTA 4 to 6 months €47,000 €32,000
Romania Regional ONJN 3 to 5 months €120,000 licence + €2M bank guarantee €120,000+ per licence
Ontario Regional AGCO (iGO) 4 to 8 months CAD $100,000+ (varies by scope) Varies
Tobique Regional TGC 3 to 4 months $30,000 to $50,000 $20,000+
Consultation expertise

Licence consultation that goes beyond paperwork

Application drafting, corporate structuring, compliance setup and direct platform integration in one consultation. We have shipped operators through 32 regulators and 12 licence routes.

What our consultation covers

  • Application drafting: Full regulator submission package including business plan, technical specification, AML and responsible gaming policies
  • Corporate structuring: Ownership structure, beneficial owner disclosure, tax efficiency and substance requirements per jurisdiction
  • Fit and proper test prep: Documentation, due diligence dossier, regulator interview preparation
  • Compliance frameworks: KYC, AML, EDD, PEP screening, sanctions checks, suspicious activity reporting workflows
  • Game lab certification: GLI-19 RNG and GLI-33 event wagering testing coordination with the lab
  • Platform integration: Wiring our platform into your licensing framework so you launch certified, not retrofitted

Where we have already shipped

  • Tier 1 EU: UKGC, MGA, GLA, GSC, AGCC
  • Active EU: ADM, DGOJ, ANJ, GGL, Spelinspektionen, Spillemyndigheden, KSA, ONJN, EMTA, SRIJ
  • North America: AGCO, DGE, PGCB, MGCB, KGC
  • LATAM: Coljuegos, MINCETUR, LOTBA
  • Offshore: Curacao CGCB (new LOK), Anjouan AOFA, Costa Rica MH, Tobique TGC
  • APAC and Africa: PAGCOR, WCGRB, LGNT

Compliance partners we work with

KYC pipelines via Jumio, Sumsub or Onfido. Integrity monitoring via IBIA, ESIC and SIGA. Responsible gaming via GamCare, BeGambleAware and the GamStop network. Game lab partnerships with GLI for GLI-19 and GLI-33 testing. ISO 27001, PCI DSS Level 1 and SOC 2 Type II controls applied platform-wide.

Application timeline

How a gambling licence application unfolds

Most regulators run a 3 to 8 month process. Our consultation runs in parallel with platform build so you launch certified, not retrofitted.

  1. Week 0 01

    Jurisdiction selection call

    Match target markets, product scope, timeline and budget against the 12 licence routes. Output: ranked recommendation with cost-time tradeoff per option. 30 minutes, founder-led.

  2. Week 1-3 02

    Corporate structuring

    Set up holding entity, operating company and licence applicant entity per the regulator requirement. Ownership transparency and beneficial owner declarations prepared. Substance setup if jurisdiction requires office and staff.

  3. Week 3-6 03

    Application package drafting

    Business plan, technical specification, AML and responsible gaming policies, KYC procedures, financial projections, system architecture documentation. All written to regulator specification.

  4. Week 6-10 04

    Fit and proper test prep

    Due diligence dossier on beneficial owners, key personnel and source of funds. Regulator interviews coached. Background checks coordinated.

  5. Week 10-16 05

    Game lab certification

    GLI-19 RNG testing for casino games. GLI-33 event wagering testing for sportsbook. ISO 27001 control audit. Penetration test by an independent third party. Test reports submitted to regulator.

  6. Week 16-24 06

    Regulator review and decision

    Regulator review with iterative information requests. Response coordination from us. Average decision window 2 to 4 months for established jurisdictions, 4 to 8 months for newer ones.

  7. Week 24+ 07

    Licence granted, soft launch

    Licence in hand. Platform already certified and integrated by week 12 of parallel build. Soft launch in the licensed market with regulator-approved promotional spend caps. Post-launch compliance support continues.

Composite testimonials

Operators we shipped through licensed launch

Engagement quotes from real operator personas. Client identifying details anonymised pending publication permission.

Anjouan licence in 12 weeks, smart-contract bonus mechanics, USDT and BTC rails wired to our existing payment relationships. Provably fair across our crash games. Gambit Stream understood crypto operations better than the four other vendors we evaluated. Live since launch with zero unplanned downtime.
Founder Crypto-First Casino Brand Anjouan AOFA
Ontario AGCO registration is brutal. Gambit Stream walked our compliance team through every regulator interaction, prepared the technical submission, coordinated GLI-19 testing. Live in Ontario in 6 months. Kahnawake licence in parallel for the dotcom brand. Same squad, same engineer answering Slack at midnight.
Director of Compliance Multi-Jurisdiction Operator Ontario AGCO + Kahnawake
We were running casino, sports and lottery on three different vendors with three different player wallets. Reconciliation took forty hours a month. Gambit Stream collapsed everything onto a single platform with one wallet, one KYC pipeline, one regulator reporting feed. Adding bingo took two weeks instead of two quarters.
CTO Multi-Vertical iGaming Operator Latin America regulated

Composite quotes representing typical operator engagements. Identifying details anonymised pending publication permission. Original engagement notes available under NDA.

01 How long does a Malta MGA licence take to obtain?

Typically 6 to 9 months from corporate setup to licence grant. The fit and proper test alone runs 4 to 8 weeks once submitted.

02 Can I run B2C and B2B operations under one MGA licence?

No - MGA issues separate B2C (operator) and B2B (supplier) licence classes. Operators typically hold B2C, platform vendors hold B2B.

03 What is the Maltese substance requirement?

Operators need a registered Maltese office, a key official resident in Malta and adequate Maltese-resident staff for compliance and management functions.

04 What does an MGA licence cost in year one?

Setup and application fees range from €25,000 to €100,000 depending on vertical scope. Annual licence fees run €25,000 to €35,000. Corporate setup and legal costs add further.

05 How long does a GSC Isle of Man licence take?

Typically 4 to 6 months from initial submission to licence grant, assuming a clean fit and proper review.

06 What is the gaming tax rate in the Isle of Man?

The Isle of Man charges 1.5% gross gaming revenue tax, which is among the most competitive rates for a Tier 1 jurisdiction.

07 Does Isle of Man require local substance?

Yes - operators must maintain a registered office and key operational staff on the island to satisfy GSC substance requirements.

08 What gaming tax does Gibraltar charge?

Gibraltar charges 1% gross gaming yield tax, one of the lowest effective rates among prestige jurisdictions, capped at £425,000 per year.

09 Does Gibraltar still provide UK market access after Brexit?

Gibraltar-licensed operators serving UK players must also hold a UKGC licence. Gibraltar no longer provides automatic UK market access post-Brexit.

10 How long does a Gibraltar gambling licence take?

Typically 4 to 6 months from initial consultation to licence grant, with beneficial owner fit and proper review being the longest step.

11 What is the difference between Alderney Category 1 and Category 2?

Category 1 covers B2C operators offering gambling directly to players. Category 2 covers B2B providers supplying gambling software or platforms to other operators.

12 Is there corporate tax in Alderney?

No - Alderney has zero corporate tax, zero gaming tax and no VAT, making it one of the most tax-efficient Tier 1 jurisdictions.

13 How long does an Alderney licence take?

Typically 3 to 6 months from application to licence grant, depending on complexity of beneficial ownership structure and completeness of submission.

14 What changed with the Curacao LOK reform in 2024?

The 2024 LOK law replaced the old master-sublicence system with direct CGCB-issued licences. Operators now hold a licence directly from the regulator rather than via a master-licence holder.

15 How long does the new Curacao CGCB licence take?

Under the LOK framework, typical processing runs 2 to 4 months from complete application submission to licence grant.

16 Is a Curacao licence accepted by payment providers?

Most offshore-friendly PSPs accept Curacao. Tier 1 European processors and some crypto payment gateways may require additional due diligence or a supplementary Tier 1 licence.

17 What markets can a Curacao licence serve?

Curacao-licensed operators can serve most emerging markets in Latin America, Africa and Asia. The licence is not accepted in UK, most EU member states or US regulated states.

18 Is Kahnawake a legitimate gambling licence?

Yes - the Kahnawake Gaming Commission has regulated interactive gaming since 1999 under First Nations sovereignty. It is one of the longest-established offshore regulators.

19 Can a Kahnawake licence be used in the US?

No - Kahnawake does not authorise operations in US regulated states such as New Jersey, Pennsylvania or Michigan. It is used for offshore-facing operations.

20 How long does a Kahnawake licence take to obtain?

Typically 3 to 5 months from application submission to licence grant, depending on complexity of the background check process.

21 How much does an Anjouan gaming licence cost?

Setup and application costs run $8,000 to $25,000. Annual renewal fees are $8,000 to $12,000, making it the most affordable actively-used offshore jurisdiction.

22 Is the Anjouan licence accepted by payment processors?

Anjouan works with crypto-friendly PSPs and some offshore processors. Tier 1 European payment providers typically require a Curacao or EU licence.

23 How fast is the Anjouan AOFA application process?

AOFA typically issues licences within 2 to 3 months of a complete application. This is among the fastest processing times of any active jurisdiction.

24 Is Costa Rica a real gambling licence?

No - Costa Rica issues a general data processing permit, not a gambling-specific licence. It functions as a corporate wrapper for operators who hold a substantive licence elsewhere.

25 Can I use Costa Rica as my only licence?

In practice, a Costa Rica permit alone will not satisfy most payment providers, game studios or major market access requirements. It is typically paired with a Curacao or other primary licence.

26 How quickly can I get a Costa Rica data processing permit?

Corporate setup and permit can be completed in 1 to 2 months, making it the fastest jurisdiction on this list.

27 What gambling tax rate does Estonia apply?

Estonia charges 5% gross gambling revenue tax, substantially lower than most EU member states which apply 20% or higher.

28 Does Estonia require a separate licence for each gambling vertical?

Yes - EMTA issues separate activity licences for games of chance (casino), sports betting (toto), games of skill and lottery. Operators must hold the relevant licence for each vertical.

29 How does Estonia e-residency help with licensing?

e-Residency allows non-resident founders to incorporate and manage an Estonian company digitally, simplifying the corporate setup phase of the licence application.

30 Why does Romania require a €2M bank guarantee?

The bank guarantee protects Romanian players in the event of operator insolvency. It is held by ONJN for the duration of the licence and must be maintained annually.

31 What gaming tax does Romania charge?

Romania charges a 16% flat tax on net gambling revenue for Class 1 remote operators, plus participant-level taxes withheld on player winnings.

32 Can a Romania ONJN licence be used outside Romania?

No - the ONJN Class 1 remote gambling licence authorises operations in the Romanian market only. Operators targeting other EU markets need separate licences per country.

33 What is the difference between AGCO and iGaming Ontario?

AGCO (Alcohol and Gaming Commission of Ontario) is the regulator that issues registrations. iGaming Ontario (iGO) is the Crown agency that contracts with operators and manages the regulated market framework.

34 Do I need an existing gambling licence to enter Ontario?

AGCO strongly prefers applicants who hold a recognised Tier 1 licence such as Malta MGA, UKGC, Gibraltar or Isle of Man. It is not a hard requirement but significantly accelerates approval.

35 How large is the Ontario iGaming market?

Ontario is the largest regulated iGaming market in North America. Since opening in April 2022, the market has exceeded CAD $60 billion in wagers annually across casino, sports betting and poker.

36 Can an Ontario registration be used in other Canadian provinces?

No - Ontario registration authorises operations in Ontario only. Other provinces such as British Columbia and Quebec have separate regulated frameworks.

37 How is Tobique different from Kahnawake?

Both are Canadian First Nations gaming regulators, but Tobique is newer and based in New Brunswick. Tobique positions itself with modern digital-first processes and is building operator relationships.

38 How long does a Tobique Gaming Commission licence take?

Typically 3 to 4 months from complete application submission to licence grant, reflecting the TGC's focus on responsive processing.

39 What markets can a Tobique licence serve?

Tobique is positioned for Americas-focused operators serving offshore markets. It is not accepted in US regulated states or Canadian provincial frameworks such as Ontario.

Tell us the plan. We will map the licence.

Target markets, product scope, timeline, budget. 30-minute call. Scoped recommendation within 48 hours. No deposit to get the quote.

Pick your licence path

12 routes across 32 markets - we walk you through every step.