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Umthethosisekelo · i-Asia-Pacific

i-Singapore

I-Singapore iyindawo ehamba phambili yezimali zamazwe omhlaba enesilawuli esisodwa esihlangene, iMonetary Authority of Singapore (MAS), elawula amabhange, izinhlangano zokukhokha, abathengisi bezimakethe zemali abaphakathi, abahlinzeki bokuvikelwa kwempilo kanye nebhizinisi le-digital token. Iziwa ngokuphatha impahla nokuphathwa kwezimpahla, ukuhweba ngemali yangaphandle kanye nohlelo lokukhokha olubandakanya imali ye-e-, ukudluliswa phakathi kwemigwaqo kanye namathokheni wokukhokha wedijithali ngaphansi koMthetho owodwa.

Isibhamu sengoziIsiqephu
FATFAkukho kuluhlu
EU AML uhlu lwengozi ephezuluAkukho kuluhlu
i-EU tax listAkukho kuluhlu
Izinhlelo zelayisense12
Imalii-SGD
Izinga le-S&PAAA
Ukhetho Olulandelayo2030

Ayikho ku- FATF uhlu olungwevu noma olumnyama ngemuva kwengqungquthela kaJuni 2026, ayikho ku- EU uhlu lwezwe lesithathu elinomthelela omkhulu (Imithetho egunyaziwe (EU) 2016/1675 njengoba iguqulwe, yamuva yimithetho egunyaziwe (EU) 2026/46), futhi ayikho ku- Annex I ye-EU uhlu lwezimali olungisiwe ngoFebhuwari 17, 2026. Kuhlolwe ngoOkthoba 7, 2026.

Umbuso nepolitiki

UMbuso
IRiphabhulikhi yeParliamentary
UMengameli
Tharman Shanmugaratnam · kusukela ngoSepthemba 2023
uMphathiswa Omkhulu
uLawrence Wong (i-People's Action Party)
Amaqembu alawulayo
i-People's Action Party
Ukhetho oludlule
Ukhetho oluphelele, 3 Meyi 2025
Ukhetho Olulandelayo
Ukhetho oluphelele, luzokwenziwa ngo-2030. Ukhetho loMengameli luzokwenziwa ngo-2029
Umthethosivivinywa
iParliament (i-unicameral; iziqhingi ezikhethiwe ezingama-97 kanye namalungu angekho emthethweni nowakhethwayo)
Indlela yomthetho
Imithetho ejwayelekile yase-English

Economics and finance

Abahlali
6.1m (2025)
I-GDP
i-USD 603.9 billion (2025)
I-GDP ngamuntu
US$99,365 (2025)
Imali
I-Singapore dollar (SGD), i-float elawulwayo ngokumelene nebhokisi elihlobene nokuhweba elingekho emthethweni (S$NEER policy band)
Ibhange Eliphakathi
i-Singapore
Izinga lemali
S&P AAA (ihlala) · Moody's Aaa (ihlala) · Fitch AAA (ihlala) (ngoMeyi 2026)

ISingapore iyindawo yezimali, yokulawula impahla kanye nendawo yokuhweba emhlabeni jikelele enezimboni ezisezingeni eliphakeme ze-elektroniki kanye nokukhiqizwa kwe-petrochemical, futhi i-Money Authority yaseSingapore isebenza njengebhange elikhulu kanye nomqondisi wezimali ophelele.

Ibhange

Full bank license

Imali encaneAkukho kushicilelwe
IsikhathiMAS ichaza ukuthi ukucutshungulwa kuthatha cishe amasonto amathathu kuya kwanesihlanu uma isicelo siqediwe
IgunyaMAS
Umthetho
Banking Act 1970
Izindleko
Imali yokufaka isicelo engabuyiselwa engu-SGD 20,000 (MAS ikhasi lelayisense lebhange)
Ukudluliswa kwepasipoti
Akunapaspoti; ilayisense lisebenza eSingapore kuphela
Izidingo ezibalulekile
  • Ukuphepha kwezimali, irekhodi lokuhamba phambili, ukubekwa emhlabeni kanye negunya lomfakisicelo, umzali kanye nabanikazi abakhulu bengxenye
  • Isivumelwano esibhalwe phansi se-home country supervisor kanye nokulawula okuqinile kwekhaya
  • Izinhlelo ezifanele zebhizinisi kanye nohlelo lokulawula umngcipheko oluhambisana nebhizinisi elicelwe
  • MAS namuhla inikeza izitifiketi ezintsha ezigcwele zebhange kumabhange angaphandle kuphela ngaphansi kwezivumelwano zokuhweba
Sources(2)
  1. MAS: Licensing and Authorisation for Banking Business · checked 2026-10-07
  2. MAS: FAQs on Digital Full Bank and Digital Wholesale Bank Licences · checked 2026-10-07
Ibhange

Ilayisense lebhange lokuhweba

Imali encanei-USD 78m
IsikhathiAbout three to four months once the application is complete
IgunyaMAS

I-SGD 100 amamilione aphansi ezimali ezikhokhelwe ibhange elisha elibhalisiwe eSingapore, njengokusho kuka MAS kumabhange akhona emakethe enkulu kuzidingo zayo zebhange ledijithali

Umthetho
Banking Act 1970
Izindleko
Imali yokufaka isicelo engabuyiselwa emuva engu-SGD 20,000
Ukudluliswa kwepasipoti
Akukho kufaka isicelo sepasipoti
Izidingo ezibalulekile
  • Isiqiniseko sokubambisana nomphathi wekhaya MAS
  • Ukuphepha kwezimali kanye negunya leqembu elifunayo
  • Izinhlelo zebhizinisi ezifanele zokusebenza eSingapore
  • Amabhange emakethe enkulu angeke athathe ama-depositi we-SGD
Sources(2)
  1. MAS: Licensing and Authorisation for Banking Business · checked 2026-10-07
  2. MAS: Eligibility criteria and requirements for digital banks · checked 2026-10-07
Ibhange

Ilayisense lebhange eligcwele ledijithali

Imali encaneUS$ 11.7m
IsikhathiAkukho kushicilelwe
IgunyaMAS

I-SGD 15 million yezimali ezikhokhelwe lapho ifakazelwa njengebhange eligcwele ledijithali (ukufaka imali okuphelele ku-SGD 50 million, SGD 75,000 ngamuntu ngamunye), enyuka ibe yi-SGD 1.5 billion uma isebenza ngokuphelele

Umthetho
Banking Act 1970; MAS digital bank framework
Ukudluliswa kwepasipoti
Akukho kufaka isicelo sepasipoti
Izidingo ezibalulekile
  • Umfakisicelo kumele abekhona eSingapore, alawulwa yi-Singaporeans futhi abe nenhlokodolobha eSingapore
  • Ukubekezela kwezinkokhelo noma isinqumo esicacile sokuqoqa imali ukufinyelela ku-SGD 1.5 billion
  • Imithetho yemali esekelwe emdlalweni ifana nebhange elibalulekile
  • Umengameli we-Deposit Insurance Scheme
  • Indawo eyodwa yebhizinisi; akukho ukufinyelela kuma-ATM noma amanethiwekhi emishini yokukhokha imali
Sources(2)
  1. MAS: Eligibility criteria and requirements for digital banks · checked 2026-10-07
  2. MAS: Annex A Digital Full Bank Framework · checked 2026-10-07
Ibhange

Ilayisense lebhange lokuthengiswa kwezimpahla

Imali encanei-USD 78m
IsikhathiAkukho kushicilelwe
IgunyaMAS

I-SGD 100 million ephansi yom kapitali okhokhelwe, njengebhange elikhona

Umthetho
Banking Act 1970; MAS digital bank framework
Ukudluliswa kwepasipoti
Akukho kufaka isicelo sepasipoti
Izidingo ezibalulekile
  • Kudingeka ifakwe eSingapore
  • Ivuliwe kuzo zonke izinkampani (akukho sidingo sokulawula eSingapore)
  • Imali elinganayo esekelwe emdlalweni, i-liquidity, umngcele wezobuchwepheshe kanye ne AML/CFT izimfuneko njengezibhange ezithengisa kakhulu
  • Isiza izinhlangano ezincane neziphakathi
Sources(1)
  1. MAS: Eligibility criteria and requirements for digital banks · checked 2026-10-07
Umhlinzeki wezinsizakalo zokukhokha (PSP)

Ilayisense lenhlangano enkulu yokukhokha (MPI)

Imali encanei-USD 195k
IsikhathiAkukho kushicilelwe
IgunyaMAS

SGD 250,000 um kapitali ophansi, kanye nokuphepha kwe-SGD 100,000 noma i-SGD 200,000 (idiphozithi yemali engenayo MAS noma isiqinisekiso sebhange)

Umthetho
Payment Services Act 2019, s 6
Ukudluliswa kwepasipoti
Akukho kufaka isicelo sepasipoti
Izidingo ezibalulekile
  • Inkampani ebhaliswe eSingapore noma i-Singapore branch yenkampani yangaphandle
  • Indawo ehlala kuyo ibhizinisi noma ikheli elibhalisiwe eSingapore
  • Kuncane nje umphathi ophethe oyedwa ongumhlali waseSingapore noma u-PR, noma umnikazi we-EP kanye nomphathi owodwa womphakathi noma we-PR
  • Iziphathimandla neziqondisi ezifanele; ukuhlangabezana nemibandela yokuhlola
  • Ukuhlolwa kokungena kwezinsizakusebenza ze-inthanethi ngaphambi kokunikezwa ilayisense
  • Akukho kuphikiswa kwevolumu yebhizinisi noma i-e-money float (kudingeka ngaphezulu kuka-SGD 3 million ngenyanga ngenkonzo eyodwa, SGD 6 million ngezimbili noma ngaphezulu, noma u-SGD 5 million ngosuku lwe-e-money)
Sources(1)
  1. MAS: Licensing for Payment Service Providers · checked 2026-10-07
Umhlinzeki wezinsizakalo zokukhokha (PSP)

Ilayisense elijwayelekile lenhlangano yezimali (SPI)

Imali encanei-USD 78kSGD 100,000 um kapitali ophansi wesisekelo
IsikhathiAkukho kushicilelwe
IgunyaMAS
Umthetho
Payment Services Act 2019, s 6
Ukudluliswa kwepasipoti
Akukho kufaka isicelo sepasipoti
Izidingo ezibalulekile
  • Imisebenzi ihlala ngaphansi kwe-SGD ayizigidi ezingu-3 ngenyanga ngenkonzo ngayinye, i-SGD ayizigidi ezingu-6 ngenyanga ngezinsizakalo ezimbili noma ngaphezulu, kanye ne-SGD ayizigidi eziyi-5 ngosuku ngemali ye-e-
  • Inkampani ebhaliswe eSingapore noma isebe laseSingapore
  • Izidingo zoMqondisi Ophethe Wendawo njenge-MPI
  • Iziphathimandla ezifanele nezifanele; ukuhlangabezana nezinhlelo zokuhlola
Sources(1)
  1. MAS: Licensing for Payment Service Providers · checked 2026-10-07
Inhlangano yemali-elektroniki

Ukukhishwa kwemali-e ngaphansi kwelayisense leMPI noma i-SPI

Imali encanei-USD 195k
IsikhathiAkukho kushicilelwe
IgunyaMAS

Akunalayisense elihlukile lemali-e; umhlinzeki ongaphezu kuka-SGD 5 million wemali-e ekhona ngosuku kufanele abe nelayisensi yeMPI (SGD 250,000 base capital), ngaphansi kwayo ilayisense ye-SPI (SGD 100,000)

Umthetho
Payment Services Act 2019 (e-money issuance is a regulated payment service)
Ukudluliswa kwepasipoti
Akukho kufaka isicelo sepasipoti
Izidingo ezibalulekile
  • Imigomo efanayo yokungena nokuhlolwa njengelayisense le-MPI noma i-SPI
  • I-MPI noma i-SPI ikhetha umkhawulo wemali yedijithali engekho ngesonto okungu-SGD 5 million
Sources(1)
  1. MAS: Licensing for Payment Service Providers · checked 2026-10-07
Umhlinzeki wezinsizakalo zokukhokha (PSP)

Ilayisense lokushintsha imali

Imali encaneAkukho kushicilelwe
IsikhathiAkukho kushicilelwe
IgunyaMAS
Umthetho
Payment Services Act 2019
Ukudluliswa kwepasipoti
Akukho kufaka isicelo sepasipoti
Izidingo ezibalulekile
  • Ibhizinisi kuphela elithenga noma lithengisa izimali zakwamanye amazwe
  • Isizwe saseSingapore sokuba ngumnikazi kanye nokulawula abanikazi benkampani eyodwa, amaqembu kanye nezinkampani ezimilikiwe yi-Singapore
  • Abafaki-zicelo abavela kwamanye amazwe bavunyelwe ukubhalisa kuphela izinhlangano ezingaphansi kwezinkontileka zebhange elibalulekile, elilawulwa kahle noma abashintshana imali.
  • Isipiliyoni sokushintshana kwemali kanye ne AML/CFT
Sources(1)
  1. MAS: Licensing for Payment Service Providers · checked 2026-10-07
Umhlinzeki wenkonzo yezinto ezibonakalayo (VASP)

Izinsizakalo ze-Digital payment token ngaphansi kwelayisense le-MPI

Imali encanei-USD 195k
IsikhathiAkukho kushicilelwe
IgunyaMAS

Um kapitali wesisekelo ulandela ilayisense le-MPI noma le-SPI eligcinwe (SGD 250,000 ye-MPI); MAS akazange aveze inani lom kapitali lwe-DPT elilodwa kumakhasi avuliwe

Umthetho
Payment Services Act 2019 (digital payment token service)
Ukudluliswa kwepasipoti
Akukho kufaka isicelo sepasipoti
Izidingo ezibalulekile
  • Ilayisense ngaphansi kwe-PS Act yokuhweba noma ukushintshana nge-DPTs, noma ukuhlinzeka ngokuvikelwa kwe-DPT noma ukudluliswa kwamakhasimende eSingapore
  • Iziphathimandla ezifanele nezifanele, AML/CFTiziphathimandla kanye nokuphathwa kwengozi yezobuchwepheshe
  • Ama-token emikhiqizo yemakethe yamasheya angaphansi kweSecurities and Futures Act
Sources(2)
  1. MAS: Licensing for Payment Service Providers · checked 2026-10-07
  2. MAS: MAS Clarifies Regulatory Regime for Digital Token Service Providers (6 June 2025) · checked 2026-10-07
Umhlinzeki wenkonzo yezinto ezibonakalayo (VASP)

Ilayisense lohlinzeki wezinsizakalo ze-Digital token (DTSP)

Imali encaneAkukho kushicilelwe
IsikhathiAkukho kushicilelwe
IgunyaMAS
Umthetho
Financial Services and Markets Act 2022, Part 9 (s 137)
Ukudluliswa kwepasipoti
Akunakwenzeka
Izidingo ezibalulekile
  • Isebenza kusukela ngo-30 kuJuni 2025 kumafemu aseSingapore ahlinzeka kuphela ngamakhasimende ngaphandle kweSingapore
  • MAS ithi ngeke ikhiphe lelayisense
  • Ama-DTSPs angavunyelwanga kufanele agweme le misebenzi kuze kube ngumhla kaJulayi 30, 2025.
Sources(2)
  1. MAS: MAS Clarifies Regulatory Regime for Digital Token Service Providers (6 June 2025) · checked 2026-10-07
  2. MAS: Guidelines on Licensing for Digital Token Service Providers · checked 2026-10-07
Inkampani yokutshala imali

Ilayisense yezinsizakalo zemakethe yamasheya (CMS), ukuhweba ngemikhiqizo yemakethe yamasheya nezinye izinhlelo ezilawulwa

Imali encanei-USD 39k
IsikhathiMAS ilindele kuze kube yinyanga ezingu-6 ukubuyekeza isicelo esiphelele; abanikazi be-IPA bese banesinyanga esingu-6 ukuhlangabezana nezimo
IgunyaMAS

Um kapitali wesisekelo kusuka ku-SGD 50,000 kuya ku-SGD 5 million kubahwebi abahamba phambili ngokuya ngemikhiqizo, amakhasimende kanye nobulungu be-clearing; SGD 250,000 kubacebisi bezezimali zenkampani; isilinganiso esiphezulu sisebenza kuwo wonke amaphrojekthi

Umthetho
Securities and Futures Act 2001; Securities and Futures (Financial and Margin Requirements for Holders of Capital Markets Services Licences) Regulations, First Schedule
Izindleko
Izindleko zokufaka isicelo SGD 1,000; izindleko zelayisense yonyaka SGD 2,000 kuya ku-8,000 ngokuya ngemisebenzi
Ukudluliswa kwepasipoti
Akukho kufaka isicelo sepasipoti
Izidingo ezibalulekile
  • Izimo ezifanele zomuntu ofuna umsebenzi, abanikazi bezimali kanye nabantu ababalulekile
  • Izimeleni ezibhaliswe ku MAS
  • Amathuluzi ezimali angaphezu kwesidingo esiphelele somonakalo ngokuqhubekayo
  • Ukuqoqwa kwe-Margin yemikhiqizo yokukhokhela, i-CFDs kanye ne-FX esebenzisanayo
Sources(1)
  1. MAS: Capital Markets Services (CMS) Licence · checked 2026-10-07
I-FX broker

Ilayisense le-CMS lokuhweba ngekontraki ye-FX yokuhweba ngemali engenayo yangaphandle

Imali encanei-USD 3.9m
Isikhathikuze kube yinyanga ezingu-6 zokubuyekezwa kwesicelo esigcwele seCMS
IgunyaMAS

I-SGD 5 million base capital uma isebenza namakhasimende aphesheya; i-SGD 1 million uma isebenza kuphela nabatshalizimali abagunyaziwe, abanolwazi noma abanenhlangano

Umthetho
Securities and Futures Act 2001; SF(FMR) Regulations, First Schedule item 4
Izindleko
Imali yokufaka isicelo SGD 1,000
Ukudluliswa kwepasipoti
Akukho kufaka isicelo sepasipoti
Izidingo ezibalulekile
  • Izidingo ze-margin ngaphansi kwe-reg 24A SF(FMR)R
  • Amathuluzi ezimali angaphezu kwesidingo esiphelele somonakalo
  • Uhlelo lokusebenza olufanele
Sources(2)
  1. Singapore Statutes Online: SF(FMR) Regulations, First Schedule · checked 2026-10-07
  2. MAS: Capital Markets Services (CMS) Licence · checked 2026-10-07
Ama-Supervisors

Ubani olawula

  • I-Monetary Authority yeSingapore (MAS) · iwebhusayithiamabhange, izinhlangano zemali ye-E-, abahlinzeki bezinsizakalo zokukhokha, abahlinzeki bezinkonzo zezinto ezibonakalayo (VASPs), amafemu okutshala imali, abathengisi be-FX, inshuwalense
  • Inhlangano elawula ukugembula yaseSingapore (GRA) · iwebhusayithiukugembula kwe-inthanethi

Ukugembula: i-Gambling Control Act 2022 ne-GRA Act yaqala ukusebenza ngo-Agasti 1, 2022, esusa i-Remote Gambling Act; ukugembula akuvunyelwe ngaphandle kokuthi kugunyazwe, kugunyazwe noma kuvumelekile, futhi ayikho ilayisense evulekile kubadlali be-casino online noma abahlinzeki bokudlala (i-Singapore Pools isebenza kuphela kwi-platform ye-online esemthethweni). Ama-casino alawulwa ngokuhlukile ngaphansi kwe-Casino Control Act. I-Stablecoins: MAS yaqedela iphrojekthi ngo-Agasti 2023 yama-stablecoins wemali engenayo eyodwa ahlobene ne-SGD noma imali engenayo ye-G10 ekhishwa eSingapore, nge-reserve, izimali kanye nezimfuneko zobumfihlo, futhi yabhekana nokuguqulwa koMthetho wePS ukuze uyisebenzise; akukho sithombe sesisekelo somnotho saqinisekiswa kusuka kukhasi elivuliwe. Uhlelo lwebhange oluphelele (QFB) luyilungelo elinikezelwe kumabhange angaphandle akhethiwe endaweni yelayisense elilodwa. Um kapitali ophansi kakhulu wokukhokha umholo wobhange lwakudala aluqinisekisiwe kusuka kukhasi elisemthethweni esingavula khona (iSingapore Statutes Online ayitholakalanga); MAS amadokhumenti abeka i-SGD 1.5 billion yebhange eligcwele ledijithali elisebenza ngokuphelele.

Ulwazi oluphelele

Manje ngeSingapore

i-Singapore kwiplanethi
Imephu yeSingapore i-Singapore
Izilimi zesihlabathi. I-map ikhombisa kuphela.
Isimo
Izwe elilawulayo
Idolobhakazi
i-Singapore
Indawo
719 km²
Izilimi ezisemthethweni
isiNgisi, isiMalay, isiMandarin, isiTamil
Indawo yesikhathi
UTC+08:00

Ukuthunyelwa okuyinhloko

  • i-integrated circuits
  • i-refined petroleum
  • imishini
  • izidakamizwa
  • igolide
  • izinsizakalo zezimali

Abahlanganyeli abakhulu

  • i-Hong Kong
  • i-China
  • i-United States
  • i-Malaysia
  • i-Korea enyakatho
Sources for the country information(9)

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)
  1. Labuan FSA: FATF Publication on Global ML/TF/PF Risk, June 2026 · checked 2026-10-07
  2. FATF: Jurisdictions under Increased Monitoring, 19 June 2026 · checked 2026-10-07
  3. EUR-Lex: Commission Delegated Regulation (EU) 2026/46 · checked 2026-10-07
  4. European Commission: EU list of non-cooperative jurisdictions, update 17 February 2026 · checked 2026-10-07
  5. MHA: Gambling Regulatory Authority of Singapore to be Operational from 1 August 2022 · checked 2026-10-07
  6. MAS: MAS Finalises Stablecoin Regulatory Framework · checked 2026-10-07