License types
E-dalar da ke aiki
Yi fitar da kudi na lantarki kuma ka gudanar da asusunka da katinka, ba tare da biyan ajiyar bashi ba. An kwatanta a kan tsarin 34. Abubuwan suna cikin ƙananan ƙa'idodin doka daga kowane mai kulawa; bukatun hannun jari na ainihi su ne mafi girma.
| Jurisdiction | Lasisi | Minimum capital | Layin lokaci | Risk |
|---|---|---|---|---|
| Austria Europe (EU) | E-money FMA | EUR 350,000 | ZaDiG 2018 tsari yana aiki: hukunci a cikin watanni uku na shigar da shi | Standard |
| Belgium Europe (EU) | Lasisi a matsayin wata cibiyar kudi ta lantarki NBB | EUR 350,000 | NBB na yanke shawara cikin watanni 3 na tabbatar da fayil din ya cika kuma ba da daɗewa ba bayan watanni 12 bayan gabatarwa | Standard |
| Cyprus Europe (EU) | Authorisation as an electronic money institution CBC | EUR 350,000 | watanni uku daga wani aikace-aikace cikakke (PSD2 art. 12, da aka yi amfani da shi ga EMIs ta EMD2 art. 3(1)) | Standard |
| Estonia Europe (EU) | Operating licence of an e-money institution Finantsinspektsioon | EUR 350,000 | Mataki a cikin watanni 3 na duk takardu da bayanai, kuma ba da daɗewa ba bayan watanni 6 bayan shigar da shi | Standard |
| France Europe (EU) | Agrément as an electronic money institution (établissement de monnaie électronique) ACPR | EUR 350,000 | Agrément ya gabatar a cikin watanni 3 na fayil mai cikakke (ACPR) | Standard |
| Germany Europe (EU) | Licence for e-money business (E-Geld-Institut) BaFin | EUR 350,000 | PSD2 Art. 12: shawara cikin watanni 3 na shigar da takardar | Standard |
| Ireland Europe (EU) | Bankin Cibiyar Ingila | EUR 350,000 | Standard sabis: matakin nazari a cikin 90 kwanakin kasuwanci (agogo ya tsaya yayin da ake jira ga mai nema); Bankin Cibiyar tace za ta iya ɗaukar fiye da watanni 12 ga kamfanoni don samar da duk bayanai | Standard |
| Italy Europe (EU) | Banca d'Italia | EUR 350,000 | PSD2 art. 12 (applied to EMIs via EMD2): decision within 3 months of a complete application; Banca d'Italia's own procedural deadline was not verified | Standard |
| Lithuania Europe (EU) | (EMI) lasisi Bankin Duniya | EUR 350,000 | watanni 3 daga wani shirin ayuka na cikakke (wata 2 ga lasisi-da aka hana EMI); agogon zai sake farawa idan an gabatar da takardu masu yawa | Standard |
| Luxembourg Europe (EU) | (EMI) izinin CSSF | EUR 350,000 | Mataki a cikin watanni 3 na wani cikakke aikace-aikace da kuma a kowace hanya a cikin watanni 12, in ba haka ba ana ɗaukar ya ki (art. 24-3) | Standard |
| Malta Europe (EU) | Kamfanin kudi na da lasisi na fitar da kudin lantarki (kamfani na kudin lantarki) MFSA | EUR 350,000 | MFSA ya kamata a yanke hukunci cikin watanni uku na karɓar aikace-aikacen cikakke (FIR/01 para 43 zuwa 44) | Standard |
| Netherlands Europe (EU) | Electronic money institution authorisation DNB | EUR 350,000 | PSD2/EMD2 lokaci na yanke shawara na watanni 3 daga wani aikace-aikacen cikakke; DNB ya lura cewa zai iya buƙatar fiye da watanni uku idan bayanan ba su isa ba | Standard |
| Poland Europe (EU) | Authorisation as a domestic electronic money institution (krajowa instytucja pieniędzy elektronicznych, KIPE) KNF | EUR 350,000 | KNF na yanke shawara cikin watanni 3 na shigar da takardar neman (sashe na 62(2), an yi amfani da shi ga EMIs ta hanyar sashe na 132b(3) | Standard |
| Portugal Europe (EU) | Banco de Portugal | EUR 350,000 | PSD2 Art. 12: shawara cikin watanni 3 na shigar da takardar | Standard |
| Spain Europe (EU) | Electronic money institution authorisation (entidad de dinero electrónico) Banco de España | EUR 350,000 | Mataki a cikin watanni 3 na karɓar ko kammala fayil; tsananin sauti yana nufin rashin amincewa (RD 778/2012 art. 1(2)) | Standard |
| Gibraltar Europe (non-EU) | Electronic money institution (Part 7 permission) GFSC | EUR 350,000 | Ba'a wallafa ba | Standard |
| Isle of Man Europe (non-EU) | Nau'in 8(4) lasisin sabis na aika kudi (saukar da kudin lantarki) IOMFSA | Not published | IOMFSA sabis standard na watanni 6 daga wani cikakke shiri na ayuka; mafi tsawo idan ba'a cika ko matsalolin sun zo | Standard |
| Liechtenstein Europe (non-EU) | E-money institution licence (Bewilligung als E-Geld-Institut) FMA Liechtenstein | EUR 350,000 | Mataki a cikin watanni uku na karɓar aikace-aikacen ko bayanin da ya cika (Art. 7(3) EMA); rashin amincewa idan har yanzu ba ta cika ba bayan watanni goma sha biyu | Standard |
| Switzerland Europe (non-EU) | Lasisi na FinTech (mutane a karkashin Art. 1b BankA) FINMA | CHF 300,000 | Ba'a wallafa ba | Standard |
| United Kingdom Europe (non-EU) | FCA | EUR 350,000 | FCA ya kamata a tantance wani aikace-aikace cikakke cikin watanni 3 da kowane aikace-aikace cikin watanni 12 na karɓar (EMRs 2011 reg. 9) | Standard |
| Qatar (QFC) Middle East | QCB lasisin mai bayar da sabis na biyan kuɗi, nau'i na I (cikar kudi ta yanar gizo da siyar da kaya) Qatar Central Bank | QAR 2,000,000 | Gwamna zai yanke hukunci cikin kwanaki 60 bayan an cika dukkan sharuddan ba da lasisi | Standard |
| United Arab Emirates (onshore) Middle East | Bankin Cibiyar na UAE | AED 15,000,000 | Ba'a wallafa ba | Standard |
| United Arab Emirates: Dubai International Financial Centre (DIFC) Middle East | Ba da sabis na kudi (ba da darajar ajiya), nau'in 3C DFSA | USD 500,000 | Ba'a wallafa ba | Standard |
| Australia Asia-Pacific | Mai bayar da izinin biyan kudi (PPF) wanda aka saya a matsayin ADI APRA | Not published | Ba'a wallafa ba | Standard |
| Hong Kong Asia-Pacific | HKMA | HKD 25,000,000 | Ba'a wallafa ba | Standard |
| Japan Asia-Pacific | Mai fitar da kayan aikin biyan kuɗi na gabaɗaya don kasuwancin ɓangare na uku (ciki har da rajista) FSA (ta hanyar ofishin kudi na yankin) | Not published | Ba'a wallafa ba | Standard |
| Philippines Asia-Pacific | Mai fitar da kudi na lantarki (EMI) authority BSP | Not published | Ba'a wallafa ba | Standard |
| Singapore Asia-Pacific | MAS | SGD 250,000 | Ba'a wallafa ba | Standard |
| Korea ta Kudu Asia-Pacific | Electronic money issuance permit FSC | KRW 5,000,000,000 | Ba'a wallafa ba | Standard |
| Korea ta Kudu Asia-Pacific | Shigar da kuma kula da hanyoyin biyan kuɗi na lantarki FSC | KRW 2,000,000,000 | Ba'a wallafa ba | Standard |
| Bolivia Americas & Caribbean | Kamfanin sabis na biyan waya Bankin Duniya | Paid-in capital in bolivianos equal to UFV 3,000,000 (art. 368). Capital may be paid in cash or in kind, but in-kind capital is limited to real estate and technology platforms used in the business. Additional capital must fund a trust that backs the electronic money in circulation (art. 373). | Ba'a wallafa ba | Risk mai girma |
| Brazil Americas & Caribbean | Ma'aikatar biyan kudi da ke fitar da kudin lantarki Bankin Duniya | BRL 9,200,000 | Ba'a wallafa ba | Standard |
| Chile Americas & Caribbean | Mai fitar da katin biyan kudi na baya-bayan nan wanda ba banki ba Bankin Duniya | CLF 25,000 | Ba'a wallafa ba | Standard |
| Mexico Americas & Caribbean | Institución de fondos de pago electrónico (IFPE, cibiyar biyan kudi ta lantarki) Comisión Nacional Bancaria y de Valores, tare da amincewar Comité Interinstitucional (SHCP, Banco de México da CNBV) | MXV 500,000 | Yarjejeniyoyi da ke buƙatar Comité Interinstitucional dole ne a yanke shawarar cikin kwanaki 180 (Ley Fintech art. 6). Hukumar za ta iya faɗaɗa wannan har zuwa rabin bisa bukatar mai neman izinin. | Standard |
An lissafa tushe a kan kowace fuska na doka. Bayani kawai, ba shawara ta doka ba.