Ibhange
Ilayisense lenhlangano egunyaziwe yokukhokha (ADI), indlela eqondile
IsikhathiAkukho kushicilelwe Um kapitali wokuqala ngokushesha ngaphambi kokuthola ilayisense lemali ephakeme kakhulu yezimali zokusebenza zenyanga ezizayo eziyisishiyagalombili noma ama-AUD ayizigidi ezingama-15; um kapitali oqhubekayo wesidingo esiphezulu senyanga eziyisishiyagalombili sezimali zokusebenza, ama-AUD ayizigidi ezingama-10 noma inani elisekelwe ku-RWA (APRA iphrojekthi yabasebenzisi abasha)
- Umthetho
- Banking Act 1959 (Cth), s 9
- Ukudluliswa kwepasipoti
- Akunapassporting; amabhange angaphandle angafaka isicelo selayisense le-ADI (isebe) ezweni elisha elilinganiselwe ekubekeni imali
Izidingo ezibalulekile- Ukuxhumana kuqala no-APRA ngaphambi kokufaka isicelo
- Amathuluzi emali afanelekayo njengemali elawulayo (Imali Yomphakathi Yesigaba 1)
- Izinhlelo zebhizinisi ezithembekile, ukuphatha, abantu abafanele kanye nephrojekthi yokulawula umngcipheko
- Uhlangabezana nohlelo oluphelele lwe-ADI
- Ukusetshenziswa kwegama ibhange, umbhangqwana noma ubhangqwana kudinga isimo se-ADI noma inkontileka ye-APRA
Sources(3)
- APRA: Licensing guidelines for authorised deposit-taking institutions · checked 2026-10-07
- APRA: Information paper, ADIs: New entrants, a pathway to sustainability · checked 2026-10-07
- APRA: Guidelines on licensing locally-incorporated ADIs · checked 2026-10-07
Ibhange
Ilayisense le-ADI elilinganiselwe (indlela elinganiselwe)
IsikhathiAkukho kushicilelwe Um kapitali ophezulu we-AUD 3 million kanye ne-resolution reserve (ngokwejwayelekile i-AUD 1 million) noma amaphesenti angama-20 wezimpahla ezilungisiwe
- Umthetho
- Banking Act 1959 (Cth), s 9 (licence with conditions)
- Ukudluliswa kwepasipoti
- Akukho kufaka isicelo sepasipoti
Izidingo ezibalulekile- Isigaba esilinganiselwe sihlala isikhathi esingaba iminyaka emibini, ngemuva kwalokho inhlangano kufanele ihlangabezane nephrojekthi yokuphepha egcwele noma iphume
- Ilimi lediphozithi yi-AUD 2 million kuma-akhawunti agcinwe ngokugcwele kanye ne-AUD 250,000 ngamuntu ngamunye
- Ibhizinisi lebhange elilinganiselwe ngenkathi lithuthukisa amandla nokuqoqa imali
- Indlela ethembekile yokuthola i-ADI ephelele kanye nezinhlelo zokuyeka
- Akukho okulindelekile ukuthi kukhule kakhulu ngaphezu kwe-AUD 100 million balance sheet ngesikhathi sesigaba esilinganiselwe
Sources(2)
- APRA: Information paper, ADIs: New entrants, a pathway to sustainability · checked 2026-10-07
- APRA: Licensing guidelines for authorised deposit-taking institutions · checked 2026-10-07
Inhlangano yemali-elektroniki
Ukugunyazwa komthengisi we-PPF njenge-ADI
Imali encaneAkukho kushicilelwe IsikhathiAkukho kushicilelwe - Umthetho
- Banking Act 1959 (Cth); Payment Systems (Regulation) Act 1998; APRA Prudential Standard APS 610
- Ukudluliswa kwepasipoti
- Akukho kufaka isicelo sepasipoti
Izidingo ezibalulekile- Izinto ezigcinwe ngentengo ezitholakalayo ngokugcwele ezingabuyiselwa uma kudingeka zidinga igunya APRA njengohlinzeki we-PPF
- Kumele kube yinkampani ebhaliswe endaweni; izifunda ze-ADI zakwamanye amazwe azikwazi ukunikela nge-PPFs
- Ukulandela kusukela ekuqaleni izimiso zokuphepha ze-ADI ezisetshenziswa abahlinzeki be-PPF
- Izindlu ezincane noma ezinomsebenzi olinganiselwe ngokuvamile zingaphansi kwe-ASIC AFSL noma ukuxoshwa
Sources(1)
- APRA: Guidelines on authorisation of providers of purchased payment facilities · checked 2026-10-07
Umhlinzeki wezinsizakalo zokukhokha (PSP)
Ilayisense yezinsizakalo zezimali zase-Australia ezivumela ukukhokha ngemali engenayo
Imali encaneAkukho kushicilelwe IsikhathiAkukho kushicilelwe - Umthetho
- Corporations Act 2001 (Cth), s 911A; non-cash payment facility is a financial product (s 763D)
- Ukudluliswa kwepasipoti
- Akukho kufaka isicelo sepasipoti
Izidingo ezibalulekile- Izidingo zokuqala zezimali ngaphansi kwe-RG 166: ukukhokhelwa, izimpahla ezifanele kanye nezidingo zemali; okungenani i-AUD 50,000 yemali engaphezulu uma ugcina imali yomxhasi noma impahla ngaphezulu kwezinkomba ezibekwe
- Ikhono lohlelo ngokukhetha abaphathi abanesibopho
- Imali eyanele, ubuchwepheshe kanye nemithombo yomuntu nokulawula umngcipheko
- Ukuxazulula izingqubuzana (ilungu le-AFCA) kanye nezinhlelo zokubuyiselwa imali
- Ama-stablecoins athile athathwa yi-ASIC njengezindlu zokukhokha ezingakhokhwa ngemali (INFO 225)
Sources(2)
- ASIC: RG 166 AFS licensing: Financial requirements · checked 2026-10-07
- ASIC: INFO 225 Digital assets: Financial products and services · checked 2026-10-07
Umhlinzeki wenkonzo yezinto ezibonakalayo (VASP)
I-AFSL kanye nelayisense lemakethe yemikhiqizo nezinsizakalo zezimali ezidijithali (ASIC INFO 225), kanye nokubhaliswa kwe-AUSTRAC
Imali encaneAkukho kushicilelwe IsikhathiAkukho kushicilelwe IgunyaASIC (izinsizakalo zemikhiqizo yezimali); AUSTRAC (AML/CTF registration) - Umthetho
- Corporations Act 2001 (Cth), Ch 7; Anti-Money Laundering and Counter-Terrorism Financing Act 2006 (Cth)
- Ukudluliswa kwepasipoti
- Akukho kufaka isicelo sepasipoti
Izidingo ezibalulekile- Ama-digital assets anjengemikhiqizo yezimali (njengoba ama-token amaningi e-wrapped kanye nama-stablecoins anenzuzo) adinga i-AFSL futhi, kuzindawo zokuhweba, ilayisense lemakethe
- I-ASIC ivuma ukuhlanganisa abaphathi abanesibopho sokulawula nokwazi ukuphatha imali engenayo yedijithali njengendlela yokuhamba phambili
- Usizo lohlobo lwe-ASIC lwabahlinzeki bezimali eziqinile ezifanele kanye namathokheni agqokekayo (Ithuluzi 2025/867)
- Ama-exchanges kufanele abhalise ku-AUSTRAC futhi aqhube iphrojekthi ye-AML/CTF
Sources(1)
- ASIC: INFO 225 Digital assets: Financial products and services (updated October 2025) · checked 2026-10-07
Inkampani yokutshala imali
Ilayisense yezinsizakalo zezimali zase-Australia (ukuhweba, insizakalo, ukugcinwa, amaphrojekthi okutshala imali alawulwa)
IsikhathiAkukho kushicilelwe Kuhluka ngokwemisebenzi ngaphansi kwe-RG 166; isibonelo, izimali ezingenalutho ezilinganiselwe ze-AUD 50,000 kanye nephesenti le-5 lezibopho ezilinganiswe phakathi kuka-AUD 1 million no-AUD 100 million zabanikazi belayisense abadingekayo ukuhlangabezana nokuhlolwa kwe-ASLF
- Umthetho
- Corporations Act 2001 (Cth), s 911A and s 912A
- Ukudluliswa kwepasipoti
- Akukho kufaka isicelo sepasipoti
Izidingo ezibalulekile- Isibopho sokuphatha ngokuphumelelayo, ngokuthula nokucace
- Amamenenja abambe iqhaza abanolwazi nobuchule obufanele
- Izidingo zezimali ngaphansi kwe-RG 166 ezilungele imisebenzi enelayisense
- A-M_BAR_SpanishFCA ukukhokhelwa kwezinkokhelo
Sources(1)
- ASIC: RG 166 AFS licensing: Financial requirements · checked 2026-10-07
I-FX broker
i-AFSL yokukhishwa kwemikhiqizo ekhiqizwa yi-OTC (imargin FX ne-CFDs)
IsikhathiAkukho kushicilelwe Izinto ezibonakalayo ezincane ze-AUD 1 million noma amaphesenti angama-10 wemali engenayo ephakathi, ezigcinwe ngamaphesenti angama-50 ngemali engenayo noma ngezimali ezilinganayo ne-50% ngezinto eziphilayo
- Umthetho
- Corporations Act 2001 (Cth), s 911A; ASIC Corporations (Financial Requirements for Retail OTC Derivative Issuers) Instrument 2022/705
- Ukudluliswa kwepasipoti
- Akukho kufaka isicelo sepasipoti
Izidingo ezibalulekile- Uhlelo lokuhamba kwemali lwenyanga ezingu-12 ngayinye, olugunyaziwe yibhodi
- Ukubikezela kwe-NTA ngemikhawulo yokubikezela
- Izidingo zokuhlola ezihlanganisiwe
- Izibopho zokuphatha imali yekhasimende kanye nokulawulwa kwemikhiqizo
Sources(1)
- ASIC: RG 166 AFS licensing: Financial requirements, Appendix 8 · checked 2026-10-07
Ama-Supervisors
Ubani olawula
- I-Australian Prudential Regulation Authority (APRA) · iwebhusayithiamabhange, izinhlangano zemali ye-E-, inshuwalense
- I-Australia Securities and Investments Commission (ASIC) iwebhusayithiAbahlinzeki bezinsizakalo zokukhokha, abahlinzeki bezinkonzo zezimali ezibonakalayo (VASPs), amafemu okutshala imali, abathengisi be-FX
- I-Australian Transaction Reports and Analysis Centre (AUSTRAC) · iwebhusayithiAbahlinzeki bezinsizakalo zempahla ebonakalayo (VASPs), Abahlinzeki bezinkonzo zokukhokha
- I-Australian Communications and Media Authority (ACMA) · iwebhusayithiukugembula kwe-inthanethi
Ukuvuselelwa: njengoba kubonisiwe yi-ASIC ngoOkthoba 2025, INFO 225, iHhovisi likaMongameli likhuluma ngezinqumo zomthetho ezizosiza ukuthuthukisa iphrojekthi yezimali ze-digital asset platform kanye ne-tokenised custody platform products, kanye nohlelo olusha lokugunyaza abahlinzeki bezinsizakalo zokukhokha okuzohlanganisa ezinye izinsimbi eziqinile; asiqinisekisile ukuthi ngabe zifakwe noma zaqala ukusukela ngo-2026-10-07. Ikhasi le-AUSTRAC alikwazanga ukufakwa, ngakho-ke imininingwane yobhaliso kanye nesikhathi se-2024 AML/CTF amaphutha abahlinzeki izinsizakalo virtual imali engenayo akazange aqinisekiswe. Gaming: ngaphansi Interactive Gambling Act 2001, elawulwa ACMA, online casino-style imidlalo kanye in-play online sports betting kungase kunikezwe abantu e-Australia; wagering futhi lottery online zilayisense izifunda nezifundazwe. ADI licensing ayinaso isikhathi esisemthethweni; APRAI-'s iqala ngemali ephansi engu-AUD 15 million evela kuphrojekthi yayo yokungena entsha kunemithetho.
