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Lasisi · EMI, cibiyar biyan kuɗi, sabis na kudi

E-dalar Amurka da biyan kuɗi

Asusun, katin kuɗi, canja wurin da kuma samun, ba tare da ajiyar bashi ba.

50Jurisdictions compared
USD 10kMafi ƙasƙanci mafi ƙarancin doka (ba buƙatar gaskiya ba)
Watan 3Tipical maximum timeline
32Regimes with a passport

Karanta

Ƙarfin Sunã mãsu zaman ginciri, a kan jũna.

The legal floor in each jurisdiction. It is a starting point for comparison, not a budget: the regulator sets the capital your bank will actually need.

  1. British Virgin IslandsFinancing and money services license, Class A (money transfer) and Class B (money orders, check cashing, currency exchange)
    USD 10kUSD 10,000
  2. BarbadosPayment institution license
    USD 25kBBD 50,000
  3. United Arab Emirates (onshore)Retail Payment Services license (Category I, II, III or IV)
    USD 27kAED 100,000
  4. Cayman IslandsLasisin sabis na kudi
    USD 37kKYD 30,000
  5. SingaporeStandard payment institution license (SPI)
    USD 78kSGD 100,000
  6. BahamasLasisin mai bayar da sabis na biyan kuɗi (injin biyan kuɗi na lantarki da kudi na lantarki)
    USD 100kBSD 100,000
  7. AustriaPayment institution license (Konzession zur Bereitstellung von Zahlungsdiensten)
    USD 140kEUR 125,000
  8. BelgiumLicense as a payment institution
    USD 140kEUR 125,000
  9. CyprusAuthorisation as a payment institution
    USD 140kEUR 125,000
  10. EstoniaLasisin aiki na wata cibiyar biyan kuɗi
    USD 140kEUR 125,000
  11. FranceAgrément as a payment institution (établissement de paiement)
    USD 140kEUR 125,000
  12. GermanyLicense to provide payment services (Zahlungsinstitut)
    USD 140kEUR 125,000
  13. IrelandPayment institution authorisation
    USD 140kEUR 125,000
  14. ItalyPayment institution authorisation
    USD 140kEUR 125,000
  15. LithuaniaPayment institution license
    USD 140kEUR 125,000
  16. LuxembourgPayment institution (PI) authorisation
    USD 140kEUR 125,000
  17. MaltaLasisin cibiyar kudi don bayar da sabis na biyan kuɗi (cibiyar biyan kuɗi)
    USD 140kEUR 125,000
  18. NetherlandsPayment institution license
    USD 140kEUR 125,000
  19. PolandAuthorisation as a domestic payment institution (krajowa instytucja płatnicza, KIP); registration as a small payment institution (mała instytucja płatnicza, MIP)
    USD 140kEUR 125,000
  20. PortugalPayment institution authorisation
    USD 140kEUR 125,000
  21. SpainPayment institution authorisation (entidad de pago)
    USD 140kEUR 125,000
  22. GibraltarInstitution of payment (Part 7 permission)
    USD 140kEUR 125,000
  23. United KingdomAuthorised payment institution
    USD 140kEUR 125,000
  24. LiechtensteinPayment institution license (Bewilligung als Zahlungsinstitut)
    USD 150kCHF 125,000
  25. SingaporeMajor payment institution license (MPI)
    USD 195kSGD 250,000
  26. SingaporeSaukar da kudi ta yanar gizo a karkashin lasisin MPI ko SPI
    USD 195kSGD 250,000
  27. United Arab Emirates: Dubai International Financial Centre (DIFC)Providing Money Services (payment accounts, payment transactions, payment instruments: Category 3D; Money Transmission only: Category 4)
    USD 200kUSD 200,000
  28. Koriya ta KuduShigar da tsarin biyan kudi na lantarki (PG)
    USD 223kKRW 300,000,000
  29. SwitzerlandFinTech license (people under Art. 1b BankA)
    USD 360kCHF 300,000
  30. AustriaE-money institution license (Konzession zur Ausgabe von E-Geld)
    USD 392kEUR 350,000
  31. BelgiumLicense as an electronic money institution
    USD 392kEUR 350,000
  32. CyprusAuthorisation as an electronic money institution
    USD 392kEUR 350,000
  33. EstoniaLasisin aiki na wata cibiyar kudi ta intanet
    USD 392kEUR 350,000
  34. FranceAgrément as an electronic money institution (établissement de monnaie électronique)
    USD 392kEUR 350,000
  35. GermanyLicense for e-money business (E-Geld-Institut)
    USD 392kEUR 350,000
  36. IrelandElectronic money institution authorization
    USD 392kEUR 350,000
  37. ItalyElectronic money institution (IMEL) authorization
    USD 392kEUR 350,000
  38. LithuaniaElectronic money institution (EMI) license
    USD 392kEUR 350,000
  39. LuxembourgElectronic money institution (EMI) authorisation
    USD 392kEUR 350,000
  40. MaltaLasisin cibiyar kudi don fitar da kudi na lantarki (cibiyar kudin lantarki)
    USD 392kEUR 350,000
  41. NetherlandsElectronic money institution authorization
    USD 392kEUR 350,000
  42. PolandAuthorisation as a domestic electronic money institution (narodowa instytucja pieniędzy elektronicznych, KIPE)
    USD 392kEUR 350,000
  43. PortugueseElectronic money institution authorisation
    USD 392kEUR 350,000
  44. SpainElectronic money institution authorisation (entidad de dinero electrónico)
    USD 392kEUR 350,000
  45. GibraltarMa'aikatar kudi ta lantarki (Sashe na 7 izinin)
    USD 392kEUR 350,000
  46. LiechtensteinE-money institution license (Bewilligung als E-Geld-Institut)
    USD 392kEUR 350,000
  47. United KingdomAuthorised electronic money institution
    USD 392kEUR 350,000
  48. United Arab Emirates: Dubai International Financial Centre (DIFC)Providing Money Services (issuing Stored Value), Category 3C
    USD 500kUSD 500,000
  49. Qatar (QFC)QCB lasisin mai bayar da sabis na biyan kuɗi, nau'i na farko (cikar kudi ta yanar gizo da samun kasuwanci)
    USD 549kQAR 2,000,000
  50. Qatar (QFC)QCB lasisin mai bayar da sabis na biya, nau'i na II (daban-daban sabis na biyan kuɗi, babu kudin abokin ciniki)
    USD 549kQAR 2,000,000
  51. BahrainLasisin mai bayar da sabis na taimako: mai ba da sabis na biyan kuɗi, sarrafa katin bashi, AISP da PISP
    USD 665kBHD 250,000
  52. Koriya ta KuduShigar da kuma kula da hanyoyin biyan kudi na lantarkin da aka biya a baya
    USD 1.5mKRW 2,000,000,000
  53. BrazilInstituição de pagamento, modo emitente de dinheiro eletrônico (payment institution issuing electronic money)
    USD 1.8mBRL 9,200,000
  54. BrazilPayment institution: post-paid issuer, acquirer or payment initiator
    USD 1.8mBRL 9,200,000
  55. Hong KongLasisin samar da kayayyakin aiki masu daraja (SVF)
    USD 3.2mHKD 25,000,000
  56. Koriya ta KuduDokar fitar da kudi na lantarki
    USD 3.7mKRW 5,000,000,000
  57. United Arab Emirates (onshore)Stored Value Facilities (SVF) license
    USD 4.1mAED 15,000,000

Ba'a nuna ba (ba'a nuna adadin doka, ko kudi ba tare da adadin alaƙa ba): Isle of Man, Jersey, United Arab Emirates: Abu Dhabi Global Market (ADGM), Australia, Hong Kong, Japan, New Zealand, Philippines, Singapore, Antigua da Barbuda, Argentina, Barbados, Bermuda, Bolivia, Canada, Chile, Curaçao, Dominica, Mexico, Mauritius, Seychelles, South Africa. Ka duba kowane shafi na shari'a.

Ana canjawa a ECB adadin alaƙa ko maɓallan hukuma na 2026-10-08. Matsakaicin log. Waɗannan sune mafi ƙarancin doka kawai: mai kula da tsarin ya sanya babban birnin kowane banki dole ne ya riƙe, kuma dole ne ya zama hannun jari na shareholders 'kansu.

The path

Daga shirin zuwa license.

Shirin da ake amfani da shi ga wannan lasisi. Duk wani tsari na mai kula da shi da kuma lokaci suna a kan shafinsa na shari'a.

  1. Model

    Waɗanne ayyuka: e-dalar Amurka, canja wurin kuɗi, samun kuɗi, fara biyan kuɗi. Wannan zai yanke shawarar EMI ko cibiyar biyan kuɗi, da kuma nau'in dukiya.

  2. Tsare-tsaren

    Yadda ake kare kuɗaɗen abokan ciniki: asusun ajiya ko inshora, da kuma bankuna waɗanda za su riƙe su.

  3. Shirin Ayuka

    Shirin ayyuka, shirin kasuwanci, gudanarwa, AML/CFT tsari, tsaron IT da fitarwa.

  4. Mai ƙididdigar halitta, mai kyau.

    Ma'aikatan da suka cancanta da ma'aikata an yi musu nazari.

  5. Aikace-aikace

    A cikin watanni uku na kammala fayil a cikin EU; sanarwar takardar izinin shiga ta bi.

  6. Scheme and rail access

    Ƙungiyar shirin katin bashi ko BIN tallafawa, damar tsarin biyan kuɗi, asusun ma'aikata.

Abin da mai kula zai tambaye ka

Fayil ɗin shirin ayuka.

  1. 01Program of operations
  2. 02Business plan and initial capital
  3. 03Sauƙaƙewa
  4. 04Governance and internal control description
  5. 05AML/CFT frame
  6. 06Dokar tsaro da hanyoyi na al'amura
  7. 07Takardun Fit-and-proper ga manajan da masu mallaka

Before you apply

Ka karanta.

10 min

Kudin-e da izinin hukumar biyan kuɗaɗe

Ta yaya hukumomin kudi na lantarki da kuma cibiyoyin biyan kuɗi na EU ke bambanta daga bankuna: kasuwar hannun jari, karewa, wakilai, fasfo da PSD3 canji.

Mai shiryar da doka · 11 min

EU payments reform: PSD3, the Payment Services Regulation and instant payments

A inda doka ta biyan kuɗi ta EU take: PSD3 da PSR, Tsarin biyan kuɗi na Instant, tabbatarwa na mai biya, alhakin cin hanci da rashawa da bude banki.

Bayani · 8 min

Bayanin banki na kwararru

Nostro da vostro lissafi, bankin matsakaici, SWIFT, nested dangantaka, de-risking, da kuma me ya sa sabon bankuna kokarin samun USD da EUR clearing.

Bayani · 8 min

Cards and payment rails

Tsarin katin kuɗi, fitarwa da samun, BIN tallafawa da babban abokin tarayya, SEPA, biyan kuɗaɗe na gaggawa, ISO 20022 da daidaita lokaci-da-lokaci.

Mataki na gaba

Ka samu wani plan na lasisi ga batunka.

Ka gaya mana game da ayyukanka, kasuwannin da ka ke da su a zuciyarka. Za mu amsa maka tare da dokokin da suka dace da kuma abin da kowane mai kula zai yi tsammani.

Request a licensing planKaranta duk dokoki