Ibhange
Ilayisense yebhange lesigaba "A"
IsikhathiCIMA iphothifoliyo inikeza isikhathi sokucubungula esijwayelekile sezinsuku ezingu-5 zeSigaba A uma zonke izibopho zitholakele; ikhasi lezidingo zokugunyazwa lisho cishe izinyanga ezingu-6 kuya kwezingu-8 zokufaka isicelo esiphelele. Izinga eliphansi lemali engenayo engu-CI$400,000 kumabhange abhalisiwe esifundazweni; CIMA futhi ilindele ukuthi kube yi-US$500,000 yezimali ezikhishwayo ezigcinwa ngemali esebhange elisha esifundazweni. Amabhange asezifundazweni azikho izimfuneko zezimali ezahlukene.
- Umthetho
- Banks and Trust Companies Act, s.6
- Izindleko
- Ibhange leSigaba A sasekhaya: isicelo CI$10,000, izindleko zesitifiketi CI$750,000, izindleko zonyaka CI$1,000,000. Isigaba A sebhange ne trust: isicelo CI$13,500, inkokhelo CI$750,000, unyaka we-CI$1,000,000. Izindleko eziphansi zisebenza kumalayisense eKategori A avunyelwe (i-CI$160,000 kuya ku-CI$350,000 izindleko zokuhlinzekwa). Umthombo: CIMA ischedule yemali evuselelwe 1 Januwari 2026.
- Ukudluliswa kwepasipoti
- Hayi. I-Cayman ayikho e-EU; ilayisense liyindawo kuphela.
Izidingo ezibalulekile- Ungakwazi ukwenza imisebenzi yebhange ngaphakathi nangaphandle kweziqhingi, ngokuya CIMA izimo
- Inani elincane lama-directors asebenzayo amabili, elinye linesipiliyoni esifanele sebhange
- Inani elincane lemali eyanele lika-12% kumabhange ahlonishwayo kanye no-15% kumabhange alawulwa yinkampani noma ahlonishwayo
- I-MLRO kanye ne-Compliance Officer esigabeni sokulawula, abahlala eCayman Islands; lezi misebenzi azikwazi ukwenziwa ngaphandle
Sources(4)
- CIMA: Regulatory Policy, Licensing Banks (revised August 2014) · checked 2026-10-07
- CIMA: Banking services FAQs · checked 2026-10-07
- CIMA: Banking Services Licensing Requirements · checked 2026-10-07
- CIMA Fee Schedule (updated 1 January 2026) · checked 2026-10-07
Ibhange
Ilayisense lebhanki yesigaba "B" (kufaka phakathi i-"B" evunyelwe)
IsikhathiCIMA iphothifoliyo inikeza isikhathi sokucubungula esijwayelekile sezinsuku ezingu-4 zesigaba B lapho wonke amadokhumende etholakele. Imali engenayo encane engu-CI$400,000 yebhange elibhaliswe endaweni; abanikazi belayisense le-B abavunyelwayo yi-CI$20,000 (noma inani elidingekayo ngesilinganiso se-15% somonakalo wempahla lapho iqembu lesithathu lifaka khona imali). Amasebe ebhange angaphandle awukho umthwalo wezimali ohlukile.
- Umthetho
- Banks and Trust Companies Act, s.6 and s.6(6)
- Izindleko
- Ibhange lesigaba B: isicelo CI$4,000, izindleko zokuhlinzekwa kwe-CI$70,000, izindleko zonyaka ze-CI$60,000 kuya ku-CI$100,000 ngokuya ngempahla ephelele. I-Restricted B: isicelo CI$4,000, inkokhelo CI$45,000, unyaka wonke CI$37,000 kuya ku-CI$40,000. Umthombo: CIMA ischedule yemali evuselelwe 1 Januwari 2026.
- Ukudluliswa kwepasipoti
- Hayi.
Izidingo ezibalulekile- Izinkokhelo nabantu baseCayman zivunyelwe kuphela (isiqephu 6(6))
- Abagibeli belayisense le-Restricted B bangathatha imali kuphela kulabo abadwetshwe emthethweni ofakwe nesicelo
- Abantu abaningi abanelayisense le-B yizinhlaka noma amabhange angaphandle; ukuqashwa kwe-home supervisor consolidated supervision
- Abaqondisi nabaphathi abafanele; AML/CFTabaphathi bendawo
Sources(4)
- CIMA: Regulatory Policy, Licensing Banks (revised August 2014) · checked 2026-10-07
- CIMA: Banking services FAQs · checked 2026-10-07
- CIMA: Banking Services Licensing Requirements · checked 2026-10-07
- CIMA Fee Schedule (updated 1 January 2026) · checked 2026-10-07
Umhlinzeki wezinsizakalo zokukhokha (PSP)
Ilayisense lezinsizakalo zemali
IsikhathiAkukho kushicilelwe Imali engenayo encane ye-CI$30,000, eqinisekiswe yisitatimende somhleli wezimali
- Umthetho
- Money Services Act, s.5; Money Services Businesses Regulations
- Izindleko
- Isicelo se-CI$ 2,500; izindleko zeminyaka yonke ze-CI$ 20,000 (i-CI$ 1,000 ngayinye yenkampani encane, inxanxathela, inhlangano noma indawo yokubonisana); izindleko zokudluliselwa kwezinyanga ezintathu ezingu-2% zemali ephelele edluliswa emazweni angaphandle, okungenani yi-CI$ 10 ngempahla ngayinye. CIMA 1 kuJanuwari 2026.
- Ukudluliswa kwepasipoti
- Hayi.
Izidingo ezibalulekile- Izinhlelo zebhizinisi kanye nemininingwane yokulawula ngaphakathi
- Imininingwane mayelana nabanikazi, abaqondisi nabagxeki
- Izitifiketi zepolisi kanye nezibuyekezo zabaphathi
- Ubufakazi bekhono emisebenzini yemali
Sources(2)
- CIMA: Money Services Business Licensing Requirements · checked 2026-10-07
- CIMA Fee Schedule (updated 1 January 2026) · checked 2026-10-07
Umhlinzeki wenkonzo yezinto ezibonakalayo (VASP)
Ubhaliso noma ilayisense lomhlinzeki wezinsizakalo zempahla ebonakalayo (kufaka phakathi ilayisense le-sandbox)
Imali encaneAkukho kushicilelwe IsikhathiAkukho kushicilelwe - Umthetho
- Virtual Asset (Service Providers) Act, as amended by the Virtual Asset (Service Providers) (Amendment) Act, 2024
- Izindleko
- Imali yokuhlolwa kobhaliso ye-KYD 1,000 ngaphansi kwesigaba sokuqala. Isicelo selayisense kanye nezindleko zokwamukela zibekwe kuShedyuli 2 yeMibandela Yezimpahla Ezibonakalayo (Abahlinzeki Bezinsizakalo) (Ukulungiswa), 2025; izindleko ezikhokhelwa
- Ukudluliswa kwepasipoti
- Hayi.
Izidingo ezibalulekile- Ngomhla ka-1 kuNhlangulana 2025, ilayisense lidingekayo ngezinsizakalo zokugcina izimpahla ezibonakalayo kanye nezinhlelo zokuhweba VASP izinhlelo zidinga ukubhaliswa
- abantu ababhalisiwe abasebenza ngemisebenzi evunyelwayo babe nezinsuku ezingu-90 kusukela ngo-1 kuNhlangulana 2025 ukufaka isicelo selayisense
- Inani elincane lama-directors amathathu abathola ilayisense
- Ilayisense le-Sandbox elitholakalayo ngezinsizakalo ezisha, linikezwa kuze kube ngunyaka owodwa
- Izicelo ezifakiwe nge CIMA's REEFS portal
Sources(4)
- CIMA: Amendments to the Virtual Asset (Service Providers) Act in effect 1 April 2025 · checked 2026-10-07
- CIMA: VASP FAQ · checked 2026-10-07
- Virtual Asset (Service Providers) (Amendment) Act, 2024 · checked 2026-10-07
- CIMA Fee Schedule (updated 1 January 2026) · checked 2026-10-07
Inkampani yokutshala imali
Ilayisense yebhizinisi lokutshala imali ezimalini (nesimo somuntu obhalisiwe)
IsikhathiAkukho kushicilelwe Izidingo eziyinhloko zezimali CI$ 100,000 kubahwebi be-broker, abakhiqizi bemakethe kanye nabaphathi beziqinisekiso; CI$ 15,000 kwabanye abanelayisense
- Umthetho
- Securities Investment Business Act
- Izindleko
- Isicelo selayisense CI$ 1,000 kuzinhlobo eziningi. Izindleko zokuqala zokunikezwa kanye nokuvuselelwa konyaka: umhwebi we-broker CI$ 10,000, umhlinzeki wezimpahla CI$ 5,000, umphathi wezimpahla CI$ 10,000, umcebisi wezimpahla CI$ 10,000, umkhiqizi wemakethe CI$ 10,000. Abantu ababhalisiwe: ukubhalisa nezindleko zonyaka ziyi-CI$ 6,000 ngayinye. Umthombo: CIMA ischedule yezindleko yahlaziywa ngoJanuwari 1, 2026.
- Ukudluliswa kwepasipoti
- Hayi.
Izidingo ezibalulekile- Licensees need at least two individual directors or one corporate director registered under the Directors Registration and Licensing Act
- Abantu ababhalisiwe (abantu abadlulele) balinganiselwa kubhizinisi leqembu noma amakhasimende asezingeni eliphakeme
- Kudingeka umhlinzeki wenkonzo ye-ofisi ebhalisiwe endaweni
- Izinguquko ezibalulekile zithunyelwe ku CIMA ngaphakathi kwezinsuku eziyi-21 kubantu ababhalisiwe
Sources(2)
- CIMA: Securities FAQs · checked 2026-10-07
- CIMA Fee Schedule (updated 1 January 2026) · checked 2026-10-07
Imali noma umphathi wemali
Imali-mboleko elawulwayo (imali-mboleko enelayisense, elawulwayo, ebhalisiwe, elawulayo noma elinganiselwe) kanye nemali-mboleko yomuntu siqu ebhalisiwe
Imali encaneAkukho kushicilelwe IsikhathiAkukho kushicilelwe - Umthetho
- Mutual Funds Act, s.4(1)(a), s.4(1)(b), s.4(3), s.4(4); Private Funds Act
- Izindleko
- Imali yomphakathi: izindleko zokufaka isicelo noma zokubhalisa yi-CI$4,125 kanye nezindleko zeminyaka yonke ziyi-CI$4,125 (izimali eziyinhloko ziyi-CI$3,075), plus CI$750 ngayinye yemali engaphansi kanye nezindleko zokufaka izicelo zezomthetho ziyi-CI$300. Imali yangaphandle: izindleko zeminyaka yonke ziyi-CI$4,125 plus CI$525 ngayinye yemoto yokutshala imali ehlukile, i-portfolio ehlukanisiwe noma i-akhawunti eyahlukileyo, kanye nezindleko zokufaka izicelo ziyi-CI$300. Umthombo: CIMA uhlu lwezikweletu luhlaziywe ngoJanuwari 1, 2026.
- Ukudluliswa kwepasipoti
- Akukho ipasipoti ye-EU. CIMA ikhipha iziqinisekiso zezimali ezixhunywe ne-EU ngaphansi kwe-AIFMD (izindleko CI $ 800).
Izidingo ezibalulekile- Izimali ezibhalisiwe nezilinganiselwe ze-mutual zidinga inkokhelo yokuqala encane ye-CI$80,000 (US$100,000); izimali ezilawulwayo azikho le nto encane
- Izimali zomtshali-zimali olinganiselwe zinomtshali-zimali ongu-15 noma ngaphantsi
- Izimali zomuntu siqu (zivale) azikho izidingo ezincane zokutshala imali
- Ukuhlolwa konyaka okwenziwa nguCIMA umhlonishwayo wokuhlola kanye nokubuyiselwa kwemali
Sources(2)
- CIMA: Investment Funds FAQs · checked 2026-10-07
- CIMA Fee Schedule (updated 1 January 2026) · checked 2026-10-07
Inkampani ethembekile
Ilayisense lokuthembela (elingenamikhawulo nolimikhawulo)
IsikhathiAkukho kushicilelwe Umkhawulo ophansi we-CI$400,000 kuzinkampani zesiqiniseko ezingavunyelwanga; i-CI$20,000 kuzinkampani zesiqiniseko ezivunyelwanga
- Umthetho
- Banks and Trust Companies Act
- Izindleko
- Inkampani ye-trust (zonke): isicelo se-CI$3,500, inkokhelo ye-CI$90,000, unyaka wonke i-CI$95,500. I-trust evunyelwe: isicelo se-CI$3,500, inkokhelo kanye nonyaka wonke i-CI$8,000. Inkampani ye-trust yomuntu siqu ebhalisiwe: ukubhaliswa konyaka wonke i-CI$4,000. Umthombo: CIMA uhlu lwezindleko luhlaziywe ngoJanuwari 1, 2026.
- Ukudluliswa kwepasipoti
- Hayi.
Izidingo ezibalulekile- Abaqondisi nabaphathi abafanele
- Ilayisense elingenalutho livimbela ibhizinisi kubantu abadwetshwe emthethweni
- Izinkampani zesikhalazo ezizimele zingabhaliswa endaweni yokunikezwa ilayisense
Sources(3)
- CIMA: Banking Services Licensing Requirements · checked 2026-10-07
- CIMA: Banking services FAQs · checked 2026-10-07
- CIMA Fee Schedule (updated 1 January 2026) · checked 2026-10-07
Ama-Supervisors
Ubani olawula
- I-Cayman Islands Monetary Authority (CIMA) · iwebhusayithiamabhange, amankampani e trust, abahlinzeki bezinsizakalo zokukhokha, abahlinzeki bezinkonzo zezinto ezibonakalayo (VASPs), izinkampani zokutshala imali, amafayela, inshuwalense
FATF yasusa i-Cayman Islands kusuka ekuhlolweni okuthuthukile engqungqutheleni yayo ngoOkthoba 2023; i-EU yalandela ngeMigomo Egunyaziwe (i-EU) 2024/163 (ngomhla kaDesemba 12, 2023). Inqubomgomo ye-VASP yasuka kwisigaba sesibili ngo-1 ku-Apreli 2025, lapho ukunikeza ilayisense kwaba yisinqumo esidingekayo sokugcina kanye nezinsizakalo zepulatifomu yokuhweba. Izinkokhelo ezingezansi ziyi-Cayman dollars (CIMA ziguqulwa zibe ngu-US $ 1 = CI $ 0.82). Ukudlala: le fayela aligculisi ilayisensi yokudlala online ngoba akukho imithetho yokuthola ilayisense lokudlala online yase-Cayman ephawulwe emathonjeni asemthethweni. Inshuwalense (kufaka phakathi izisulu) iyisikhungo esikhulu kodwa ayigcini lapha.
