i-America neCaribbean

i-Bolivia

I-Bolivia inesimo sezimali esibhekene nebhange ngaphansi komphathi owodwa, iAutoridad de Supervisión del Sistema Financiero (ASFI). I-Ley de Servicios Financieros ka-2013 ilungisa uhlu oluvalayo lwezinhlobo zezinhlangano, ngayinye enemali encane ebekwe emthethweni. I-Banco Central de Bolivia ibeka izinqubomgomo zohlelo lokukhokha futhi yavumela abahlali ukuthi bathenge izinto ezibonakalayo ngezindlela zokukhokha ezilawulwa ngoJuni 2024. Uhlelo lwe-fintech lwe-Empresas de Tecnología Financiera lwaqala ngo-2025.

Isibhamu sengoziIngozi ephakeme

FATFUkuqapha okuthuthukile (uhlu olumnyama)

EU AML uhlu lwengozi ephezuluIsibophezela

i-EU tax listAkukho kuluhlu

Izinhlelo zelayisense8

ImaliBOB

Izinga le-S&PCCC+

Ukhetho Olulandelayo2030

I-Bolivia yabekwa ngaphansi FATF ku-13 kuJuni 2025. Kusekhona FATF 19 kuNhlangulana 2026 (akukho miphumela yengqungquthela ka-Okthoba 2026 okwamanje). Ifakwe ohlwini lwezwe lesithathu elinomthelela omkhulu e-EU ngoMthethosivivinywa (i-EU) 2026/83 we-4 kuDwarha 2025, osebenza kusukela nge-29 kuJanuwari 2026. Ayikho emthethweni I noma emthethweni II wohlu lwamathoyizi e-EU olubuyekezwe yizinqumo zeKhomishini ngomhla ka-9 ku-Okthoba 2026. Kuhlolwe ngo-13 ku-Okthoba 2026.

Umbuso nepolitiki

UMbuso: i-Republic ye-Presidential (Izwe elinabantu abaningi)
UMengameli: Rodrigo Paz Pereira · kusukela ngoNovemba 2025
UMengameli: URodrigo Paz Pereira (i-Christian Democratic Party (PDC)
Amaqembu alawulayo: i-Christian Democratic Party (PDC)
Ukhetho oludlule: I-General (yenkosi kanye neyomthetho), ukhetho lwenkosi, 19 Okthoba 2025
Ukhetho Olulandelayo: Isifundazwe (isikhulu kanye nesinqumo), 2030. Isikhathi somholi siqala ngo 8 Novemba 2030. Umdlalo wokuqala wawungu 17 Agasti 2025. Ukhetho olungaphansi kwezwe lwamagosa namameya luqhutshwa ngo 22 Mashi 2026.
Umthethosivivinywa: I-Assembly Yezomthetho Yamazwe Ngamazwe: i-bicameral, i-Chamber of Deputies (amasevisi angama-130) ne-Chamber of Senators (amasevisi angama-36)
Indlela yomthetho: Umthetho wesizwe

Economics and finance

Abahlali: 12.6m (2025)
I-GDP: US$ 65.2 billion (2025)
I-GDP ngamuntu: i-US$5,185 (2025)
Imali: Boliviano (BOB), ilawulwa ulwandle: kusukela ngoJulayi 2026 Banco Central de Bolivia ibeka inani elisemthethweni lemihla ngemihla kusuka kumabhange emakethe yebhizinisi, eqeda i-peg ende engu-6.96 ngedola laseMelika
Ibhange Eliphakathi: i-Central Bank of Bolivia
Izinga lemali: S&P CCC+ (ihlala) · Moody's Caa2 (i positive) · Fitch CCC (ngo-Okthoba 2026)

Izomnotho wempahla eyenziwe ngegolide, izinkuni, igolide, igesi yemvelo kanye ne-soy. Amabhange alawulwa yi-Financial System Supervisory Authority (ASFI), futhi iBanco Central de Bolivia iqhuba ipolitiki yemali nentengo yokushintshaniswa.

Ibhange

Ilayisense lebhange eliningi

Imali encaneImali engenayo ekhokhwe nge-bolivianos ilingana ne-UFV engu-30,000,000 (isigaba 217). I-UFV iyiyunithi ehlobene nokwehla kwemali, ngakho-ke inani le-boliviano lishintsha njalo ngosuku. Umphathi angakhuphula umkhawulo ophansi ngomthethosivivinywa ophezulu kodwa angeke ayinciphise (isigaba 155).

IsikhathiAkukho kushicilelwe

IgunyaI-Financial Supervision Authority

Imali ekhokhiwe ngebolivianos ilingana ne-UFV 30,000,000 (isiqephu 217). I-UFV iyiyunithi ehlobene nokwehla kwemali, ngakho inani le-boliviano lishintsha ngosuku. Umphathi angakhuphula umkhawulo ophansi ngomthethosivivinywa ophezulu kodwa angeke ayinciphise (isiqephu 155).

Umthetho: Ley N° 393 de Servicios Financieros of 21 August 2013, arts. 150 to 158, 215 to 217 and 230 to 232
Ukudluliswa kwepasipoti: Akukho mthetho wokufaka ipasipoti.

Izidingo ezibalulekile

Sociedad anónima enezilinganiso ezibhalisiwe (isiqephu 230)
Igama kumele liqale ngegama 'banco' (isiqephu 230)
Izinkulungwane eziyisishiyagalombili zabasunguli, akukho kubo abavunyelwe ngaphansi kwesigaba 153 (isiqephu 215)
Abasunguli kumele baveze ukukhokhelwa, isikhundla esingcono kanye nomthombo osemthethweni wezimali zabo (isiqephu 152)
Izinhlaka ezimbili: izinkontileka zokwakha, bese ilayisense lokusebenza, zombili zivela ku-ASFI (isiqephu 216)
Izingeniso zezimali ngemali engenayo kuphela (isiqephu 156)
Abasunguli badinga isiqiniseko se-ASFI ukuthengisa izilinganiso eminyakeni emithathu yokuqala (isiqephu 158)

Sources(1)

BCB: Ley N° 393 de Servicios Financieros (text of 21 August 2013) · checked 2026-10-13

Ibhange

Licencia de funcionamiento de Banco PYME (ilayisense lebhange lebhizinisi elincane neliphakathi)

Imali encaneImali engenayo ekhokhwe nge-bolivianos ilingana ne-UFV 18,000,000 (isiqephu 217).

IsikhathiAkukho kushicilelwe

IgunyaI-Financial Supervision Authority

Imali ekhokhiwe nge-bolivianos ilingana ne-UFV 18,000,000 (isiqephu 217).

Umthetho: Ley N° 393 de Servicios Financieros, arts. 151, 215 to 217
Ukudluliswa kwepasipoti: Akukho mthetho wokufaka ipasipoti.

Izidingo ezibalulekile

Inqubo efanayo ye-ASFI enemikhawulo emibini njengebhange eliningi (isiqephu 216)
Izinkulungwane eziyisishiyagalombili zabasunguli abangekho emthethweni (isiqephu 215)
Ingakwazi ukusebenzisa igama 'i-banco' njengegama lokuqala legama layo (isiqephu 151)

Sources(1)

BCB: Ley N° 393 de Servicios Financieros (text of 21 August 2013) · checked 2026-10-13

Ibhange

Ilayisense lebhange elingaphandle

Imali encaneAkukho kushicilelwe

IsikhathiAkukho kushicilelwe

IgunyaI-Financial Supervision Authority

Umthetho: Ley N° 393 de Servicios Financieros, arts. 160, 162 and 233
Ukudluliswa kwepasipoti: Akukho mthetho wokufaka ipasipoti.

Izidingo ezibalulekile

Isebe kumele lithobele imithetho ye-ASFI yesebe lebhange elingaphandle (isiqephu 233)
I-ASFI ibheka ukuthi izimo zelayisense yezwe lasekhaya ziqinile kakhulu njengemithetho yaseBolivia (isiqephu 233)
I-ASFI ibheka ukuthi insizakalo ekhona yesebe yokuhweba kanye nokuxhumana kwezimali nezwe lasekhaya (isiqephu 160)
Isebe linelungelo elifanayo nemithetho njengebhange le-Bolivia (isiqephu 233)
Kudingeka ummeleli osemthethweni onegunya elifanele (isiqephu 162)
Izingxabano ziye ezinkantolo zaseBolivia (isiqephu 233)

Sources(1)

BCB: Ley N° 393 de Servicios Financieros (text of 21 August 2013) · checked 2026-10-13

Inhlangano yemali-elektroniki

Inkampani yezinsizakalo zokukhokha zeselula

Imali encaneImali ekhokhwe-ku-in capital in bolivianos ilingana ne-UFV 3,000,000 (art. 368). Imali ingakhokhelwa ngemali noma ngohlobo, kodwa imali yohlobo lilinganiselwa ku-real estate kanye nezinhlelo zezobuchwepheshe ezisetshenziswa ebhizinisini. Imali engeziwe kufanele ixhase umthwalo oqinisa imali ye-elekthronikhi ekujikelezeni (art. 373).

IsikhathiAkukho kushicilelwe

IgunyaI-Financial Supervision Authority

Um kapitali okhokhelwe nge-bolivianos ulingana ne-UFV 3,000,000 (isiqephu 368). Um kapitali ungakhokhwa ngemali noma ngohlobo, kodwa um kapitali okhokhelwa ngohlobo uphelela ezindaweni zokuhlala kanye namapulatifomu wezobuchwepheshe asetshenziswa ebhizinisini. Um kapitali ongeziwe kufanele uxhase intshisekelo evikela imali ye-elekthronikhi ekujikelezeni (isiqephu 373).

Umthetho: Ley N° 393 de Servicios Financieros, arts. 151 and 368 to 375
Ukudluliswa kwepasipoti: Akukho mthetho wokufaka ipasipoti.

Izidingo ezibalulekile

Ingakwazi ukukhishwa kwe-wallet yeselula kanye nokusebenza kwama-akhawunti wokukhokha (isiqephu 369)
Akufanele enze ukuxhumana kwezimali (isiqephu 371)
Akufanele usebenzise izinsizakalo zangaphandle (isiqephu 371)
I-Trust egcinwe kumuntu ophakathi kwezimali ukuxhasa imali ye-elekthronikhi, igcinwa isikhathi sokuphila kwenkampani (isiqephu 373)
Kudingeka amaphothifoliyo engozini lapho umhlinzeki weselula ongumlingani eqenjini elifanayo (isiqephu 374)
I-ASFI ibikezele ukuthi inkampani eyodwa enelayisense yohlobo olulodwa ekugcineni kuka-2025

Sources(2)

BCB: Ley N° 393 de Servicios Financieros (text of 21 August 2013) · checked 2026-10-13
ASFI: Memoria 2025 · checked 2026-10-13

Umhlinzeki wezinsizakalo zokukhokha (PSP)

Umphathi wekhadi le-elektroniki

Imali encaneUm kapitali okhokhelwe ngebolivianos ulingana ne-UFV 2,500,000 (isiqephu 358).

IsikhathiAkukho kushicilelwe

IgunyaI-Financial Supervision Authority

Imali ekhokhiwe nge-bolivianos ilingana ne-UFV 2,500,000 (isiqephu 358).

Umthetho: Ley N° 393 de Servicios Financieros, arts. 151 and 358 to 360
Ukudluliswa kwepasipoti: Akukho mthetho wokufaka ipasipoti.

Izidingo ezibalulekile

Inhloso ehlukile; akukho olunye uhlelo lwezimali noma lokuxhumana (isiqephu 359)
Ibhalisa abahwebi kunethiwekhi yekhadi (isiqephu 359)
Isebenza ukukhokha ngekhadi le-credit, ikhadi le-debit kanye nekhadi elikhokhelwe ngaphambili lekhadi elikhishwe ngabaphakathi bezimali (isiqephu 359)
Iphatha ukukhokha ngekhadi le-elekthronikhi kuma-ATM namabhange (isiqephu 359)
Imali ebhalisiwe kumele ikhokhwe ngesikhathi sokubhalisa (isiqephu 156)

Sources(1)

BCB: Ley N° 393 de Servicios Financieros (text of 21 August 2013) · checked 2026-10-13

I-FX broker

I-Casa de Cambio (ilayisense lendlu yokushintshana)

Imali encaneUm kapitali okhokhelwa ngebolivianos ulingana ne-UFV 500,000 yenkampani, noma i-UFV 100,000 yomnikazi owodwa (isiqephu 363).

IsikhathiAkukho kushicilelwe

IgunyaI-Financial Supervision Authority

Um kapitali okhokhelwe ngebolivianos ulingana ne-UFV 500,000 yenkampani, noma i-UFV 100,000 yomnikazi owodwa (isiqephu 363).

Umthetho: Ley N° 393 de Servicios Financieros, arts. 151 and 362 to 366
Ukudluliswa kwepasipoti: Akukho mthetho wokufaka ipasipoti.

Izidingo ezibalulekile

Ifomu lenkampani: sociedad anónima noma sociedad de responsabilidad limitada (isiqephu 362)
Inkampani ingathenga futhi ithengise imali, ama-cheques okuhamba ngemali kanye nama-cheques angaphandle (isiqephu 364)
Inkampani ingathumela futhi ithole ukudluliswa kwezimali zasekhaya kanye nokukhokhela ukuthunyelwa kwamanye amazwe njenge-agent yokukhokha (isiqephu 364)
Umnikazi owodwa angathenga futhi athengise imali kuphela (isiqephu 364)
Akukho ukudluliswa kwemali noma ukukhishwa kwezinsizakalo (isiqephu 366)

Sources(2)

BCB: Ley N° 393 de Servicios Financieros (text of 21 August 2013) · checked 2026-10-13
ASFI: Memoria 2025 · checked 2026-10-13

Umhlinzeki wenkonzo yezinto ezibonakalayo (VASP)

I-Empresa de Tecnología Financiera (ETF) ihlinzeka ngezinsizakalo zempahla ebonakalayo (PSAV)

Imali encaneAkukho kushicilelwe

IsikhathiAkukho kushicilelwe

IgunyaI-Financial Supervision Authority

Umthetho: Ley N° 393 de Servicios Financieros, art. 19(IV) (added by Ley N° 1543); Decreto Supremo N° 5384 of 7 May 2025, arts. 4 and 5; Reglamento para Empresas de Tecnología Financiera (Resolución ASFI/540/2025 of 3 July 2025, amended by Resolución ASFI/1203/2025 of 28 November 2025)
Ukudluliswa kwepasipoti: Akukho mthetho wokufaka ipasipoti.

Izidingo ezibalulekile

I-ETF kumele ibekwe njengenhlangano yezimali (DS 5384, isiqephu 4)
Kudinga i-ASFI permit de constitución nelayisense lokusebenza (DS 5384, art. 4)
Izinhlobo ezivunyelwe zifaka i-blockchain, izimpahla ze-tokenized, izimpahla ze-virtual kanye nezinsizakalo zePSAV (DS 5384, art. 5)
I-ASFI ingadinga i-ETF ukuba ifake ibhokisi layo le-sandbox, i-Entorno Controlado de Pruebas (DS 5384, art. 5)
Izinkampani ezisebenza manje zazinesikhathi kuze kube ngu-30 kuNhlangulana 2026 sokufaka umlayezo wokuthi zifuna ukuqala ukuthuthukiswa (Resolución ASFI/1203/2025)
ASFI had issued ten adaptation certificates to ETFs by April 2026

Sources(6)

ASFI: Empresas de tecnología financiera en Bolivia, un nuevo horizonte para la innovación financiera (summary of DS 5384) · checked 2026-10-13
ASFI: press release, ASFI emite el Reglamento para Empresas de Tecnología Financiera (15 July 2025) · checked 2026-10-13
ASFI: Boletín Informativo No. 69, September 2025 (Resolución ASFI/540/2025) · checked 2026-10-13
ASFI: Boletín Informativo No. 70, December 2025 (Resolución ASFI/1203/2025) · checked 2026-10-13
ASFI: Memoria 2025 · checked 2026-10-13
ASFI: Resumen Audiencia de Rendición Pública de Cuentas Inicial Gestión 2026 · checked 2026-10-13

Inkampani yokutshala imali

I-securities broker-dealer

Imali encaneAkukho kushicilelwe

IsikhathiAkukho kushicilelwe

IgunyaI-Financial Supervision Authority

Umthetho: Ley N° 1834 del Mercado de Valores of 31 March 1998, arts. 17 to 19; Recopilación de Normas para el Mercado de Valores, Libro 4, Título III (Reglamento para Agencias de Bolsa)
Ukudluliswa kwepasipoti: Akukho mthetho wokufaka ipasipoti.

Izidingo ezibalulekile

Sociedad anónima ngenhloso eyodwa yokuxhumana kwezimpahla (isiqephu 17)
Igama kumele liqukethe 'Agencia de Bolsa' (isiqephu 17)
Imali ekhokhiwe noma ngaphezulu komkhawulo ophansi obekwe yimithetho yehlobo layo lokusebenza (isiqephu 18)
Kudingeka abe ngumnikazi we-share of at least one Bolivian stock exchange (art. 18)
Izindawo zokusebenzela nezindlu ezifanele (isiqephu 18)
Ukubhaliswa kuRegistro del Mercado de Valores ngaphambi kokuqala umsebenzi (isiqephu 18)

Sources(1)

BCB: Ley N° 1834 del Mercado de Valores · checked 2026-10-13

Ama-Supervisors

Ubani olawula

Autoridad de Supervisión del Sistema Financiero (ASFI) · websitebanks, E-money institutions, Payment service providers, Virtual asset service providers (VASPs), Investment firms, FX brokers
Banco Central de Bolivia (BCB) · websitePayment service providers

Amayunithi ezimali: umthetho waseBolivia ubeka inani eliphansi lemali nge-Unidades de Fomento a la Vivienda (UFV). I-UFV yiyunithi ye-akhawunti ehlobene nokwehla kwemali eshicilelwe yi-Banco Central de Bolivia. Ayikho imali futhi ayinakho ikhodi le-ISO. Ilayisense ngalinye lisho isithombe se-UFV embhalweni, futhi akukho inani le-boliviano eligcinwe. Izibalo zedolobha zivela kumbhalo 2013 weLey N° 393 oshicilelwe yi-Banco Central de Bolivia; Akukho kuguqulwa okulandelayo kwalezi zihloko kutholakala, kodwa umbhalo ohlanganisayo kusuka ku-ASFI awukwazi ukuvulwa kulolu kuhlolwa. Imali engenayo encane ye-agencia de bolsa ibekwe kumithetho ye-ASFI, engavuleki kumsekeli we-ASFI, ngakho-ke ayisebenzi. Akukho sikhathi esisemthethweni sokuthatha isinqumo sebhange noma ezinye izitifiketi ezitholakele eLey 393, ngakho ama-timelines ayikho. Izindleko zesicelo se-ASFI aziqinisekiswanga, ngakho-ke izindawo zokukhokha ziyi-null. Ama-virtual assets: Resolución de Directorio N° 082/2024 weBanco Central de Bolivia, ka 25 June 2024, wasusa i-2020 ban futhi wavumela ama-electronic payment channels ukuthi asetshenziswa ukuthenga nokuthengisa ama-virtual assets. I-BCB ichaza ukuthi izimpahla ezibonakalayo azikho emthethweni. Isinqumo esiphezulu N° 5384 sichaza i-PSAV. Uhlelo lwayo lwe-fintech luhlanganisa futhi izinsizakalo zokukhokha kanye nezinhlelo zokuxhasa imali. I-ASFI ihlinzeka ngelayisense kumabhange okudlulisa imali kanye namabhange okuthumela imali (empresas de giro y remesas de dinero), amabhange okuqasha, amabhange okukhokhela izimoto kanye namanye amabhange ahlinzeka ngezinsizakusebenza; ezingenalutho. I-inshurensi ilawulwa yigunya elilodwa futhi ayikho ehlobene nayo. Ukugembula kwe-inthanethi akuzange kuhlolwe.

Ulwazi oluphelele

Manje Bolivia

Izilimi zesihlabathi. I-map ikhombisa kuphela.

Isimo: Izwe elilawulayo
Idolobhakazi: i-Sucre (inhlokodolobha yomthetho); i-La Paz iyisihlalo sombuso
Idolobha elikhulu kakhulu: i-Santa Cruz de Tenerife
Indawo: 1,098,581 km²
Izilimi ezisemthethweni: isi-Spanish, Quechua, Aymara, Guarani
Indawo yesikhathi: UTC-04:00

Ukuthunyelwa okuyinhloko

Amaminerali esiliva nama-concentrates
I-zinc ore ne-concentrate
Igolide
Igesi elijwayelekile
I-tin
I-soybean meal ne-oil

Abahlanganyeli abakhulu

i-China
i-Brazil
i-India
i-Japan
i-Peru

Sources for the country information(16)

Ulwazi lwezwe luhlolwe ngo-Okthoba 13, 2026. Idatha yelayisense ivuselelwe ngo-Okthoba 13, 2026. Ulwazi kuphela, hhayi incazelo yomthetho; izimfuneko zishintshile. Isaziso sokulawula.

Sources for the licensing information(8)