i-America neCaribbean

i-Antigua ne Barbuda

I-Central Caribbean Central Bank (i-BCCB) iyibhange elincane laseMpumalanga yeCaribbean elinamodeli ehlukanisiwe: amabhange asendlini avunyelwe yi-Eastern Caribbean Central Bank, ngenkathi amabhange ezweni lonke, izinsizakalo zemali, izimakethe zezimpahla zedijithali kanye nemidlalo yangaphandle igunyazwe yi-Financial Services Regulatory Commission (FSRC). Kuye kwaba enye yezinkantolo zokuqala ukunikeza ilayisense lokugembula nokubheja, kusukela ngo-1994, futhi wathatha i-Digital Assets Business Act ngo-2020.

Isibhamu sengoziIsiqephu

FATFAkukho kuluhlu

EU AML uhlu lwengozi ephezuluAkukho kuluhlu

i-EU tax listAkukho kuluhlu

Izinhlelo zelayisense6

ImaliXCD

Ukhetho Olulandelayo2031

Ayikho ohlwini lwama FATF (isinqumo se-19 kuJuni 2026), ayikho ohlwini lwezwe lesithathu elinomthelela omkhulu e-EU (Imithetho egunyaziwe ye-(EU) 2016/1675 njengoba ihlolwe ngo-29 kuJanuwari 2026), futhi yasuswa ohlwini lwezimali ze-EU ngomhla ka-17 kuFebhuwari 2026 ngemuva kokuhlala kulolu hlu kusukela ngo-20 kuFebhuwari 2024 kuya ku-8 kuOkthoba 2024. Kuqinisekisiwe ngo-7 kuOkthoba 2026.

Umbuso nepolitiki

UMbuso: i-Parliamentary constitutional monarchy (Commonwealth realm)
Unkosi (owakiliwe nguGovernor-General uSir Rodney Williams): Charles III · kusukela ngoSepthemba 2022
uMphathiswa Omkhulu: i-Antigua ne Barbuda
Amaqembu alawulayo: i-Antigua neBarbuda
Ukhetho oludlule: 30 April 2026
Ukhetho Olulandelayo: 2031
Umthethosivivinywa: IParliament: iHouse of Representatives (amasevisi akhethiwe angama-17) neSenate (amalungu angaba ngu-17)
Indlela yomthetho: Imithetho ejwayelekile yase-English

Economics and finance

Abahlali: 94.2k (2025)
I-GDP: i-USD 2.3 billion (2025)
I-GDP ngamuntu: i-US$ 21,676 (2025)
Imali: i-East Caribbean dollar (XCD), ehlobene ne-USD ngo-2.7:1 (i-Eastern Caribbean Currency Union)
Ibhange Eliphakathi: i-Caribbean Central Bank

Izokuvakasha kanye nokwakha zi domine izomnotho, zixhaswe yinkqubo yobuzwe ngokutshala imali kanye nesikhungo sezimali esingaphandle komhlaba esilawulwa yiKhomishini Yokulawula Izinsiza zezezimali.

Ibhange

International Banking Licence (Class I, Class II and Class III)

Imali encanei-USD 3m

IsikhathiI-FSRC kumele ikhiphe noma ivume ngaphakathi 3 kwezinyanga zokuthola isicelo, noma ngaphakathi 14 izinyanga zokuthola noma yiluphi ulwazi oluthe xaxa olucelwe

IgunyaIKomidi Lokulawulwa Kwezinsizakalo Zezezimali (Umqondisi Wezibhange Zamazwe Omhlaba Nezinkampani Ezithembeke)

Class I and Class III: at least USD 3 million paid up, of which USD 500,000 deposited with or as approved by the FSRC. Isigaba II (uhlu olulinganiselwe lwamakhasimende): okungenani i-USD 500,000 ikhokhiwe, lapho i-USD 100,000 ihlanganiswe khona.

Umthetho: International Banking Act, 2016 (No. 6 of 2016)
Ukudluliswa kwepasipoti: Ayikho. Ilayisense lezomnotho livumelekile ukuhweba nemakethe yasekhaya ye-ECCU noma nanoma iyiphi ipasipoti.

Izidingo ezibalulekile

Isigaba I: ukubhekwa kwebhange kwamazwe omhlaba okulula; Isigaba II: uhlu lwabaxhasi abavunyelwe yi-FSRC; Isigaba III: ilayisense lokubhekwa kwebhange kwamazwe omhlaba kanye nelayisensi yokwethembeka
Ubukhona obubonakalayo: ikheli lenkampani e-Antigua, livuliwe amahora angama-6 ngosuku kusukela ngoMsombuluko kuya kuSonto, okungenani umqashi oyedwa onesipiliyoni esifanele
Imbali yomuntu siqu kanye nezixhumanisi ezimbili zebhange plus izixhumanisi ezimbili zobunjiniyela kunoma yimuphi umqondisi, umphathi ophezulu nephesenti le-5 lomnikazi
Izinhlelo zebhizinisi ezine-chart yobunikazi obugcwele, KYC ne-AML amaphoyisa, kanye nokucaciswa kwanoma iyiphi i-internet banking
Umfakisicelo ukhokha imali ye-FSRC due diligence ngaphambilini; ukuhlolwa konyaka esiteshini kanye nokubuyiswa kwaminyaka yonke okuhloswe ngaso kanye nemibiko yezimali yonyaka.

Sources(3)

FSRC: International Banking Requirements · checked 2026-10-07
FSRC: International Banking Licensing Procedure · checked 2026-10-07
FSRC: International Banking Licensing Procedure's Supporting Documents · checked 2026-10-07

Ibhange

Ilayisense yokuphatha ibhizinisi lebhange (lomhlaba wonke, ECCU)

Imali encanei-USD 7.4m

IsikhathiIbhange Eliphakathi kumele linikeze noma liphoqele ngaphakathi kwezinyanga ezingu-6 ngemuva kokuqedwa kwesicelo

Igunyai-Caribbean Central Bank

Akufanele kube ngaphansi kuka- 20 amadola ayizigidi ezikhokhelwe noma anikezelwe um kapitali webhange; 5 amamilione ngekhadi lesikweletu noma enye inhlangano yezimali (isihloko esifanayo soMthetho Wezibhangqwana oshicilelwe yi-ECCB)

Umthetho: Banking Act, 2015 (uniform ECCU banking law), s. 44 and Schedule I; Banking (Licences) Regulations, 2019 (S.I. 2019 No. 13)
Izindleko: Schedule I of the uniform Banking Act text: application fee 20,000; izindleko zokuqala nezonyaka zelayisense 120,000 (inhlangano yangaphandle) noma 80,000 (inhlangano yasekhaya), nge-EC dollars
Ukudluliswa kwepasipoti: Akukho ipasipoti ezenzakalelayo; wonke amalungu e-ECCU anikeza ilayisense lakhe ngaphansi kwe-Act Banking Act.

Izidingo ezibalulekile

Isicelo ngefomu elicacisiwe ngaphansi kweMigomo yezezimali (ilayisense), 2019
Abaqondisi abafanelekayo, abaholi abaphezulu kanye nabanikazi bempahla ebalulekile
Ukufaneleka komnotho kanye nomsuka womnotho ohlolwe yi-ECCB
Uphenyo oluqhubekayo lwe-ECCB ngaphansi koMthetho Wezezimali

Sources(3)

ECCB: Banking Act 2015 (uniform text) · checked 2026-10-07
Antigua and Barbuda: Banking (Licences) Regulations, 2019 (ECCB) · checked 2026-10-07
ECCB: Licensing procedures · checked 2026-10-07

Umhlinzeki wezinsizakalo zokukhokha (PSP)

Ilayisense yebhizinisi lezinsizakalo zemali

Imali encaneAkukho kushicilelwe

IsikhathiAkukho kushicilelwe

IgunyaIKomidi Lokulawulwa Kwezinsizakalo Zezezimali

Umthetho: Money Services Business Act, 2011 (No. 7 of 2011), s. 6
Izindleko: Izindleko zokufaka isicelo ezingabuyiselwa emuva kanye nezindleko zelayisense yonyaka zisebenza; inani elishicilelwe kukhasi le-FSRC lihlolwe
Ukudluliswa kwepasipoti: Hayi.

Izidingo ezibalulekile

Isicelo ku-FSRC Schedule A nezinhlelo zebhizinisi, umthombo wemali eqaleni kanye nezimo zezimali
Iziqinisekiso zokuphila kwabanikazi bezimali, abaqondisi, abaphathi nabasebenzi
Isaziso sezinhlaka ezihambisanayo, izilayisense ezingaphansi kanye nezindawo ezingeziwe
Ilayisense isebenza kuze kube ngu-31 kuDisemba futhi kufanele ivuselelwe ngo-15 kuJanuwari ngonyaka ngamunye; inani lelayisense liboniswe esiteshini kanye nekhasi ngalinye lewebhu
Ukukhetha umphenyi ongaphandle

Sources(2)

FSRC: Money Services Businesses · checked 2026-10-07
FSRC: MSB Schedule A, Application Form · checked 2026-10-07

Umhlinzeki wenkonzo yezinto ezibonakalayo (VASP)

Ilayisense yebhizinisi lezinto zedijithali (Isigaba A noma isigaba B)

Imali encaneAkukho kushicilelwe

IsikhathiAkukho kushicilelwe

IgunyaIKomidi Lokulawulwa Kwezinsizakalo Zezezimali

Umthetho: Digital Assets Business Act, 2020 (No. 16 of 2020), ss. 6 to 10 and 17; Digital Assets Business Regulations, 2021 (No. 38 of 2021)
Izindleko: Imali yokufaka isicelo kanye nemali yonyaka njengoba kucaciswe yiKhomishini (Isinqumo isiq. 8 nesiq. 17); inani litholakala emthethweni ka-2021, oshicilelwa kuphela njengesithombe esixhunywe futhi esingaqinisekiswa
Ukudluliswa kwepasipoti: Hayi.

Izidingo ezibalulekile

Ifaka ukukhishwa noma ukubuyiswa kwe-token, izinsizakalo zokukhokha izimpahla zedijithali, ukushintshana, amakhadi ezimali, ukugcinwa, abahlinzeki bezinkonzo zezimpahla zedijithali, ukudluliswa kanye nokukhishwa, kanye nezinsizakalo zokugcina ezikhethekile
Ilayisense leSigaba A nganoma iyiphi noma yonke imisebenzi; Ilayisense leSigaba B ngemisebenzi engaphezu kwesikhathi esichaziwe esibekwe yiKhomishini
Isibalo esincane sezimali kumele sigcinwe; ukubikela kuyisisekelo sokubuyiselwa emuva
Ilayisense lingabuyiselwa emuva uma ibhizinisi aliqalanga ngaphakathi kwezinyanga ezingu-6 zokukhishwa kwayo
I-prospectus egunyaziwe idingeka ukuhlinzekwa kwe-token (isebenza kuze kube yinyanga engu-12)

Sources(2)

Digital Assets Business Act, 2020 (FSRC) · checked 2026-10-07
FSRC: Digital Asset Business Regulations page · checked 2026-10-07

Umhlinzeki wemidlalo ye-inthanethi

Ilayisense lokugembula okuphathelene nelayisense lokubheja okuphathelene

Imali encanei-USD 100k

IsikhathiAkukho kushicilelwe

IgunyaIKomidi Lokulawulwa Kwezinsizakalo Zezezimali, Isigaba Sokugembula (Isikhungo Sokugembula Kwangaphandle Komhlaba)

Izidingo ze-reserve ezingu-USD 100,000

Umthetho: International Business Corporations Act, Cap. 222 and Interactive Gaming and Interactive Wagering Regulations
Izindleko: Ngokusho kwe-FSRC Licensing Guidelines (akukho mhla): ukunakekelwa okudingekayo USD 15,000 akufanele kubuyiselwe emuva; ilayisense lemidlalo yokuxhumana USD 100,000 ngonyaka; ilayisense lemidlalo yokuxhumana USD 75,000 ngonyaka; ukuvuselelwa kwe-USD 5,000 ngelayisensi ngayinye; ilayisense lomuntu obalulekile USD 1,000 ngonyaka wokuqala bese ku-USD 250; izindleko zesistimu yokulinganisa USD 25,000 yelayisense eyodwa noma i-USD 45,000 yezimbili. Imiyalelo ayikho mhla, ngakho-ke qinisekisa inani lamanje ne-FSRC.
Ukudluliswa kwepasipoti: Hayi.

Izidingo ezibalulekile

Umfakisicelo kumele abe yi-Antigua IBC; ukuhlolwa kokuzimela kwazo zonke izitshalizimali kanye nabantu ababalulekile
Izinkampani zokugembula ziyizinhlangano zezimali ezisebenza ngezinhloso AML ngaphansi kwe-Akhawunti Yokuhlanza Imali (Ukuvimbela) 1996
Ukuhlolwa kwangaphandle konyaka okuqinisekisisa ukukhokhelwa, ukuvikelwa komdlali AML ukuhambisana
KYC izimiso nezimiso zokulawula ngokuya ngemiyalelo nemiyalelo ye-FSRC

Sources(3)

FSRC: Gaming · checked 2026-10-07
FSRC: Licensing Application (Directorate of Offshore Gaming) · checked 2026-10-07
FSRC Directorate of Offshore Gaming: Licensing Guidelines · checked 2026-10-07

Inkampani yokutshala imali

Ilayisense yomthengisi, umphathi noma umcebisi wezimali (ECSRC)

Imali encaneAkukho kushicilelwe

IsikhathiAkukho kushicilelwe

IgunyaI-Eastern Caribbean Securities Regulatory Commission

Umthetho: Securities Act, 2001 (ECCU uniform legislation); Securities (Licences and Fees) Regulations (revised 2015), Third Schedule
Izindleko: amadola e-EC: isicelo 2,000 (umthengisi-umhlinzeki, umnikazi, umcebisi wemali engenayo) noma 1,500 (umhlinzeki wezinsizakalo ezilinganiselwe); ilayisense 5,000 umthengisi-umhlinzeki, 4,000 umnikazi noma umhlinzeki wemali engenayo; ukuvuselelwa ngonyaka 3,000 umthengisi-umhlinzeki, 4,000 umnikazi, 3,000 inkampani yomqondisi
Ukudluliswa kwepasipoti: I-ECSRC ilawula umsebenzi wezimali eziqinisekisiwe ezindaweni eziyisithupha zelungu le-ECCU.

Izidingo ezibalulekile

Izikhulu ezigunyaziwe nezimele, ngayinye inelayisense yayo kanye nokuhlolwa
Izindleko zokwelapha ezifanele zikhokhwa ngaphezu kwentengo yesicelo
Izinhlelo zokutshala imali ngokuqotho, abaphathi kanye nabalondolozi abagunyaziwe ngokulinganayo (izindleko zokufaka isicelo EC$ 3,000 ngasinye)

Sources(2)

ECSRC: Revised Securities (Licences and Fees) Regulations 2015 · checked 2026-10-07
ECSRC: Acts and Regulations · checked 2026-10-07

Ama-Supervisors

Ubani olawula

IKomidi Lokulawulwa Kwezinsizakalo Zezimali (FSRC) · iwebhusayithiamabhange, abahlinzeki bezinsizakalo zokukhokha, abahlinzeki bezinkonzo zempahla ebonakalayo (VASPs), ukugembula kwe-inthanethi, amankampani o trust, inshuwalense
East Caribbean Central Bank (ECCB) · websiteibhange
IKomidi Elilawula Amasevisi Ezimali ze-Eastern Caribbean (ECSRC) · iwebhusayithiAmafemu wokutshala imali

Ikhasi le-FSRC lezezimali zamazwe omhlaba lichaza ukunikeza ilayisense ngokuya nge-International Business Corporations Act, kodwa i-FSRC ixhuma ne-International Banking Act, 2016 (No. 6 ka-2016) njengomthetho olawulayo. Lo mthetho ushicilelwe kuphela njengesithombe esihlobene, ngakho amanombolo engxenye angeke aqinisekiswe. Ikhasi le-FSRC libhekisa kuhlelo lwezindleko zebhange lamazwe omhlaba kepha alinika noma yiziphi izixhumanisi, ngakho izindleko zebhange zigcinwa zingasebenzi. Amafayela webhange lasekhaya avela kumbhalo ofanayo we-ECCU Banking Act oshicilelwe yi-ECCB. Amanani atholakala ngamadola e-EC, futhi i-ECCB ingashintsha imali engenayo encane ngolwazi. Imithetho yebhizinisi lezinto ezibonakalayo zonyaka ka-2021 nayo ihlobene, ngakho imali engenayo ye-DAB kanye nemali engenayo ayiqinisekiswanga. Umlando wohlu lwamathoyizi we-EU kusuka kusikhathi seKomidi: i-Antigua neBarbuda yayikwi-Annex I kusukela ngoFebhuwari 20, 2024, yadluliselwa kwi-Annex II ngo-Okthoba 8, 2024, futhi yasuswa kwi-Annex II ngoFebhuwari 17, 2026. Iwebhusayithi FATF (fatf-gafi.org) ibuyisele i-HTTP 403, ngakho-ke isikhundla se-FATF saqinisekiswa ngemithombo yombuso yasekuqaleni ngoJulayi 19, 2026. I-Antigua neBarbuda iyilungu le-CFATF futhi ayikho kunoma yiluphi uhlu FATF.

Ulwazi oluphelele

i-Antigua ne Barbuda

Izilimi zesihlabathi. I-map ikhombisa kuphela.

Isimo: Izwe elilawulayo
Idolobhakazi: i-Saint John
Indawo: 443 km²
Izilimi ezisemthethweni: isiNgisi
Indawo yesikhathi: UTC-04:00

Ukuthunyelwa okuyinhloko

Ukuhamba ngezinyawo
Ipetroli ehlanzekile
Izindiza
Izilwane ezincane

Abahlanganyeli abakhulu

i-Suriname
i-Poland
i-United States
i-Dominican Republic
i-Australia

Sources for the country information(8)

Ulwazi lwezwe luhlolwe ngo-Okthoba 9, 2026. Idatha yelayisense ivuselelwe ngo-Okthoba 7, 2026. Ulwazi kuphela, hhayi incazelo yomthetho; izimfuneko zishintsha. Isaziso sokulawula.

Sources for the licensing information(6)