The onshore UAE (the mainland and the non-financial free zones, excluding the DIFC and ADGM) is regulated federally by the Central Bank of the UAE for banking, payments, stored value and payment tokens, and by the Capital Market Authority (previously the Securities and Commodities Authority) for securities and virtual assets. In the Emirate of Dubai, outside the DIFC, virtual asset service providers are licensed by the Virtual Assets Regulatory Authority (VARA).
Fẹ́là RísikoÀkànṣe
FATFKò wa ní àtòjọ
EU AML àtòjọ àìdájú gigaKò wa ní àtòjọ
Awọn akojọ owo-ori EUKò wa ní àtòjọ
License regimes8
Awọn owo-ìwọ̀nAED
Àwọn ìṣàmúlò-ètòA
Awọn idibo to n bọKọkànlá Oṣù 2027
The FATF removed the UAE from its grey list on 23 February 2024 and the UAE is not on the list published after the June 2026 plenary (17 to 19 June 2026); the EU added the UAE to its high-risk third country list by Delegated Regulation (EU) 2023/410 and removed it by Delegated Regulation (EU) 2025/1184, and it is absent from the consolidated list of 29 January 2026; not on the EU tax list Annex I as updated 17 February 2026. Checked 7 October 2026.
Ìjọba àti ìṣàlàyé
Gomina
Federal elective constitutional monarchy (federation of seven emirates)
Prezidanti
Mohamed bin Zayed Al Nahyan · seyin May 2022
Alaga Ajọṣepọ̀
Mohammed bin Rashid Al Maktoum
Àwọn ààyè-iṣẹ́
Ko si àwọn ẹgbẹ́ púpọ̀ nínú gomina
Awọn idibo to kẹhin
Federal National Council (elective college vote), 7 October 2023
Awọn idibo to n bọ
Federal National Council, October 2027. Federal Supreme Council's five-year election of the President is also due in 2027; political parties are banned
Àwọn Ìṣàmúlò-ètò
Federal National Council (unicameral, advisory; 40 seats: 20 indirectly elected, 20 appointed); Federal Supreme Council of the seven emirate rulers is the highest constitutional authority
Siséèsì Ìjọba
Àwọn Ìjọba
Economics and finance
Awọn eniyan
11.5m (2025)
Ìjánu-ìsún
USD 571.6bn (2025)
GDP fun ẹni kọọkan
USD 50,232 (2025)
Awọn owo-ìwọ̀n
UAE dirham (AED), pegged si USD ni 3.6725 fun kan dollar
Central Bank of Nigeria
Central Bank of the United Arab Emirates
Àwọn ìṣàmúlò-ètò
S&P AA (iduroṣinṣin) · Moody's Aa2 (iduroṣinṣin) · Fitch AA- (iduroṣinṣin) (bi o ti June 2026)
Omi ati gaasi ti wa ni pataki, sugbon iṣowo, logistics, irin ajo, ohun-ini gidi ati owo ti o da lori Dubai ati Abu Dhabi loni n mu ifowosowopo ifowopamọ pọ si, pẹlu awọn banki onshore ti a fun ni iwe-aṣẹ ati iṣakoso nipasẹ Central Bank of the UAE.
Àwọn Irinṣẹ́
Lisensi Banki (Banki ti a fi pamọ́ nínú UAE, banki tí a kọ̀ nínú tabi ile-iṣẹ́ bankiǹ kan)
Awọn ohun-ini ti o kere juUSD 544.6m
AgbègbèA kò fi pamọ́
Awọn Iṣẹ́Central Bank of the United Arab Emirates
AED 2 bilionu ti a san ni kikun fun banki UAE-incorporated; AED 300 milionu fun banki ti o ṣe pataki; ile-iṣẹ banki ajeji nilo AED 100 milionu ni ipele ile-iṣẹ plus AED 2 bilionu owo-ori ti o le gba ni ipele entity
Àwọn Ìṣẹ́
Federal Decree-Law No. (6) of 2025 Regarding the Central Bank, Regulation of Financial Institutions and Activities, and Insurance Business, Articles 60 and 61; CBUAE Minimum Capital for Banks Regulation (C 12/2021), Article 3
Ìfihàn
Ko si. Laini-aṣẹ CBUAE ni o wa fun awọn UAE onshore nikan; DIFC ati ADGM ni awọn oludari ti o yatọ.
Àwọn ìṣàmúlò-ètò Bọ́tìnì
Àwọn ààyè ìdáràn ní pàtó nípa àwọn ààyè tí a fi pamọ́ lọ́wọ́lọ́wọ́
Ṣiṣe awọn idogo ati fifun awọn ohun elo owo-ori tabi owo-ori jẹ iṣẹ-ṣiṣe owo-owo ti a fọwọsi ti o nilo iwe-aṣẹ CBUAE
Ìṣàmúlò-ètò àti àwọn alábòójútó tí a fẹ́
Awọn ohun-ini ti a da lori ibajẹ ni oke awọn ohun-ini ti o kere julọ ti a san
Laisíntí Àwọn Iṣẹ́ Igbàra-ẹ̀yàn (I, II, III tabi IV)
Awọn ohun-ini ti o kere juUSD 27k
AgbègbèA kò fi pamọ́
Awọn Iṣẹ́Central Bank of the United Arab Emirates
Category I: AED 3 million (AED 1.5 million if monthly average payment transactions below AED 10 million); Category II: AED 2 million (AED 1 million); Category III: AED 1 million (AED 500,000); Category IV (payment initiation and account information only): AED 100,000
Àwọn Ìṣẹ́
CBUAE Retail Payment Services and Card Schemes Regulation (C 15/2021), Articles 3 and 6
Ìfihàn
Kò lè.
Àwọn ìṣàmúlò-ètò Bọ́tìnì
Kategori I ni awọn kaadi isanwo, awọn ohun elo isanwo, iwadii oniṣowo, aggregation, gbigbe inu ati laarin orilẹ-ede ati awọn iṣẹ sisan token
Kátìgò II ní pàtó látì jẹ́ àwọn iṣẹ́ tónẹ́ẹ̀lì ìfilọ́lẹ̀; Kátìgò III tun kọ̀ọ̀kan àwọn ìṣàfarawe-ìgbà
Ẹgbẹ ti o fi owo silẹ: AED 15 milionu ni ibẹrẹ ati owo-ori ti n lọ lọwọ pẹlu 0.5% ti iye oju ti awọn tokeni ti o wa titi (2% labẹ eto ipamọ ayipada); awọn olupese aabo ati gbigbe tabi iyipada: AED 3 million (AED 1.5 million ti o ba jẹ pe oṣuwọn isanwo lododun wa labẹ AED 10 million)
Owo-ori ti a san ni ibamu si iṣẹ: Advisory AED 100,000; Broker-Dealer ti o ga ju AED 600,000 tabi 25% ti awọn owo-ori ọdun kan (AED 400,000 tabi 15% ti a ba lo olutọju-aṣẹ VARA); Custody ti o ga ju AED 600,000 tabi 25%; Exchange ti o ga ju AED 1.5 million tabi 25% (AED 800,000 tabi 15%); Lending ati Borrowing ati Transfer ati Settlement ti o ga ju AED 500,000 tabi 25%; Management ati Investment ti o ga ju AED 500,000 tabi 25% (AED 280,000 tabi 15%); owo-ori jẹ igbimọ fun iṣẹ kọọkan
Àwọn Ìṣẹ́
Dubai Law No. (4) of 2022 Regulating Virtual Assets in the Emirate of Dubai; VARA Virtual Assets and Related Activities Regulations 2023; VARA Company Rulebook, Part VI.B
Àwọn Irinṣẹ́
Awọn owo-ori lilọ kiri ati iṣakoso ni a ṣe ni iṣeto si VARA awọn ofin 2023; nipa 50% ti idiyele ohun elo ni a san ni igbesẹ akọkọ.
Ìfihàn
Ko si. O ni awọn agbegbe okeere Dubai ati awọn agbegbe ọfẹ Dubai, laisi DIFC.
Àwọn ìṣàmúlò-ètò Bọ́tìnì
Awọn igbesẹ meji: Ijẹrisi lati ṣeto nipasẹ Dubai Economy ati Tourism tabi Dubai free zone, lẹhinna iwe-aṣẹ kikun VASP
Awọn iṣẹ mẹta ti o le gba iwe-aṣẹ: ibaraẹnisọrọ, oniṣowo-ọja, ipamọ, paṣipaarọ, fifunni ati gbigba owo-ori, iṣakoso ati idoko-owo, gbigbe ati ifowopamọ, ifilọlẹ VA ti ẹka 1
Ìdájọ̀ ní pàtó nínú ẹ̀yàn àìdálẹ̀ kan tí a fi pamọ́ sí líǹsì
A kò lè ṣowo nínú ẹ̀yàn tí a fọwọ́sì
Awọn owo-ori ti a fi pamọ́ lọ́wọ́lú nínú àkọ́kọ̀ọ̀kan ìmọ̀ràn nínú́ ẹ̀yàn banki UAE tàbí ẹ̀yàn ìmọ̀ràn tí a pe ní VARA
Àkọ́lé àwòrán Aṣàfilọ́lẹ̀ Iṣẹ́ Ẹ̀yàn Aṣàfilọ́lẹ̀ (federal, outside Dubai and the financial free zones)
Awọn ohun-ini ti o kere juA kò fi pamọ́
AgbègbèA kò fi pamọ́
Awọn Iṣẹ́Àwọn Ìṣàmúlò-ètò
Àwọn Ìṣẹ́
Cabinet Resolution No. 111 of 2022 Regulating Virtual Assets and their Service Providers; Federal Decree-Law No. (33) of 2025 on the regulation of capital markets
Àwọn Irinṣẹ́
Àwọn Ìṣàmúlò-ètò 83 of 2025 fi àwọn ìṣàmúlò-ètò fún àwọn iṣẹ́ tí a fun ní àwọn onínọmba; Àwọn ìwọ̀n tí a kò ṣayẹwo.
Ìfihàn
Kò.
Àwọn ìṣàmúlò-ètò Bọ́tìnì
A lo fun awọn iṣẹ-ṣiṣe ti o wa ni ayika UAE pẹlu awọn agbegbe ọfẹ ti ko ni owo, laisi awọn agbegbe ọfẹ owo ati awọn iṣẹ-ṣiṣe ti a ṣeto nipasẹ CBUAE tabi VARA
AML/CFT ibaraẹnisọrọ ati imọ-ẹrọ ati awọn ipo iṣẹ ti a ṣeto nipasẹ oludari
Awọn ẹsun ni ibamu pẹlu Iṣẹ-igbimọ aṣofin Ọjọ 99 ti ọdun 2024
Laisíntí iṣẹ́ owó (ìgbàyàn, ilé-ẹ̀dá, ìdájọ́, ìbámúlẹ̀, ìdarí àwọn pẹ̀lú ati ohun mìíràn)
Awọn ohun-ini ti o kere juA kò fi pamọ́
AgbègbèA kò fi pamọ́
Awọn Iṣẹ́Àwọn Ìṣàmúlò-ètò
Àwọn Ìṣẹ́
Federal Decree-Law No. (32) of 2025 regarding the Capital Market Authority and Federal Decree-Law No. (33) of 2025 regarding the regulation of capital markets (in force 1 January 2026)
Ìfihàn
Kò.
Àwọn ìṣàmúlò-ètò Bọ́tìnì
License lati CMA ti o nilo fun awọn iṣẹ-ṣiṣe ọja owo-ori ti a ṣeto lori ilẹ
Awọn ofin-igbakeji ti ọdun 2025 ṣe agbekalẹ awọn iṣẹ-ṣiṣe owo-ori tuntun ti a fọwọsi ati igbẹkẹle to lagbara.
Awọn adari ti o tọ ati ti o dara julọ ati igbẹkẹle ati AML
Central Bank of the UAE (CBUAE) · websitebanks, Payment service providers, E-money institutions, payment tokens, finance companies, exchange houses, Insurance
Capital Market Authority (previously Securities and Commodities Authority) (CMA) · websiteInvestment firms, Virtual asset service providers (VASPs)
Federal Decree-Law No. (6) of 2025 replaced Decretal Federal Law No. (14) of 2018 and came into force on 16 September 2025; Article 184 gave existing people one year to comply, extendable by the CBUAE Board, and whether that period was extended was not verified. Article 62 brings DeFi, dApps and payment-related virtual asset activity within CBUAE licensing where it amounts to a Licensed Financial Activity, while virtual assets used for investment or exchange between virtual assets fall under other legislation. Several CBUAE regulations (SVF, minimum capital) still cite the 2018 law; they remain listed as in force in the CBUAE Rulebook. The Securities and Commodities Authority was renamed the Capital Market Authority by Federal Decree-Law No. (32) of 2025, effective 1 January 2026. The CMA reportedly issued a revised Virtual Assets Framework in 2026 with eight regulated activities and risk-based capital, but the official text was not retrieved, so no capital figures are given. No official CBUAE timeline or application fee for bank or payment licenses was found. Finance companies and exchange houses are also licensed by the CBUAE but are not covered here. Commercial gaming is regulated federally by the General Commercial Gaming Regulatory Authority, but its official site could not be accessed, so no gaming license is listed. DIFC and ADGM are covered in separate entries.
Àwọn Àtòjọ-ẹ̀yàn Gbogbogbo
United Arab Emirates
Ààyè-iṣẹ́ àwọn ìkúnrégé ilẹ̀. Pétì náà jẹ́ ìṣàfihàn.
