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Estonia is so ripe for startups, I'm surprised Europeans all over aren't flocking to it.

Cheap (by most European standards) intensely skilled workers who speak fluent English in a country who's government has the best investment in technology in the world.

From what I read last, Estonian workers (especially those who work in tech) are fleeing the country due to lack of jobs- it'd be nice to give them a way of staying home.. too..

It works in Canada, which might seem really obvious to the world, but we counter-intuitively get left out of a lot of USA services even considering our proximity and similar market. It doesn't help you, I know, but I thought I'd just chime in for those that come after.

Slim chance that any Estonian startup will though. No-one is willing to dole out the cash for the legal side of a payments company. There also most likely is a lack of competent CISO-s, as most PII in Estonia is public and not a lot of places need to protect payments data.