Le khasi laguqulelwa ngokuzenzakalela kusuka ngesiNgisi futhi ayikho ebuyekezwe ngumhumushi. Izimo zomthetho nezomthetho zingaba ziyiphutha. Uhlobo lwesiNgisi luyinguqulo egunyaziwe. Funda le khasi ngesiNgisi
Xhumana nommeli

Isifundazwe:

i-United Arab Emirates

I-ADGM iyindawo yezimali zamazwe omhlaba yaseAbu Dhabi, indawo ekhululekile yezimali eAl Maryah ne-Al Reem Islands enesiqondisi sayo, i-Financial Services Regulatory Authority (FSRA). Iyaziwa ngokuphatha izimpahla, ukuhweba ngebhange kanye nomunye wezinhlelo ezibanzi zezinto ezibonakalayo zokuqala, futhi FSRA amaholo namasheya abekwe ngamadola aseMelika.

Isibhamu sengoziIsiqephu
FATFAkukho kuluhlu
EU AML uhlu lwengozi ephezuluAkukho kuluhlu
i-EU tax listAkukho kuluhlu
Izinhlelo zelayisense7
Imalii-AED
Izinga le-S&PI-AA
Ukhetho OlulandelayoOkthoba 2027

I-UAE yashiya uhlu olumnyama FATF ngomhla ka-23 kuFebhuwari 2024 futhi ayikho ohlwini lwama-FATF ngemuva kwengqungquthela yomhla ka-17 kuya ku-19 kuJuni 2026; isuswa ohlwini lwezingozi eziphezulu ze-EU ngokugunyazwa koMthethosivivinywa (i-EU) 2025/1184 (ifakwe ngo-2023/410) futhi ayikho kwi-EU Tax Annex I njengoba kubuyekezwe ngo-17 kuFebhuwari 2026. Kuhlolwe ngo-Okthoba 7, 2026.

Umbuso nepolitiki

UMbuso
I-Federation ekhethiwe yombuso wesifundazwe (ifederation yama-emirates ayisithupha)
UMengameli
Mohamed bin Zayed Al Nahyan · kusukela ngoMeyi 2022
uMphathiswa Omkhulu noNgqongqoshe
uMohammed bin Rashid Al Maktoum
Amaqembu alawulayo
Akukho amaqembu epolitiki emkhakheni wezombusazwe
Ukhetho oludlule
Ingqungquthela Yomhlaba Wonke (ukhetho lwe-electoral college), 7 Okthoba 2023
Ukhetho Olulandelayo
Ingqungquthela Yezwe Lesifunda, ngo-Okthoba 2027. Ukhetho lweminyaka emihlanu lweNdlu Yesifunda Esiphezulu soMengameli luzokwenzeka ngo-2027; amaqembu epolitiki avunyelwe
Umthethosivivinywa
Ikomiti Eliphezulu Lesifundazwe (eliyi-unicameral, elinikeza incazelo; iziqhingi ezingu-40: 20 ezikhethiwe ngokuqondile, 20 ezikhethiwe); iKomidi Eliphakeme Lesifundazwe lama-emirate ayisishiyagalombili liyinkontileka ephakeme kakhulu yomthethosisekelo
Indlela yomthetho
Umthetho ojwayelekile wase-English usetshenziswa ngokuqondile (amaNkantolo e-ADGM) ngaphakathi kwenqubo yomthetho wesizwe wase-UAE

Economics and finance

Abahlali
11.5m (2025)
I-GDP
i-USD 571.6 billion (2025)
I-GDP ngamuntu
i-USD 50,232 (2025)
Imali
i-UAE dirham (AED), ehlobene ne-USD ngo-3.6725 ngedola ngalinye
Ibhange Eliphakathi
I-Central Bank of the UAE
Izinga lemali
S&P AA (ihlala) · Moody's Aa2 (ihlala) · Fitch AA- (ihlala) (ngoJuni 2026)

I-Abu Dhabi Global Market eAl Maryah Island iyindawo engenamali lapho umthetho wase-English ojwayelekile usebenza khona ngokuqondile ngeNkantolo ye-ADGM futhi izinsizakalo zezimali zilawulwa yi-Financial Services Regulatory Authority (FSRA).

Ibhange

Izivumelwano zezinsizakalo zezimali zokwamukela ama-deposits (Isigaba 1, noma isigaba 5 senhlangano yezimali yase-Islamic ephatha i-PSIAu)

Imali encanei-USD 10m
IsikhathiAkukho kushicilelwe
IgunyaFSRA

US$ 10 million Base Capital Requirement for Category 1 and Category 5, plus credit, market, operational and CVA risk capital requirements

Umthetho
Financial Services and Markets Regulations 2015 (FSMR); FSRA Prudential Rules (PRU) 1.3 and 3.3.2
Izindleko
Imali yokufaka isicelo i-USD 70,000 kanye nemali yokuhlola ngonyaka ye-USD 100,000 yokuqashwa kwezimali; yonke imisebenzi elawulwayo engeziwe edingekayo ngesikhathi esifanayo yongeza imali encane kakhulu ye-USD 10,000 noma imali yayo; ibhizinisi lezezimali le-Islamic lingeza imali yokufaka isicelo engu-USD 5,000 kanye nemali yokuhlola engu-USD 5,000.
Ukudluliswa kwepasipoti
Ayikho ipasipoti. Igunya lokuhlinzeka ngezinsizakalo zezezimali lifaka kuphela imisebenzi elawulwayo ngaphakathi noma kusuka ku-ADGM.
Izidingo ezibalulekile
  • Imisebenzi elawulwayo: Umphathi ophezulu, umphathi wezimali, umphathi wokuhambisana ne-MLRO; i-SEO, umphathi wokuhambisana ne-MLRO kufanele abe ngumuntu ohlala e-UAE; abaqondisi bezinkampani ezibhaliswe yi-ADGM kumele bavunyelwe njengoMlawuli onelayisense (FSRA Uhlelo lokuqalisa)
  • Ukutholakala komuntu siqu e-ADGM e-Al Maryah Island noma e-Al Reem Island (FSRA I-Guide Yokuqala)
  • Izingxoxo ngaphambi kokufaka isicelo, ukufaka isicelo ngokugcwele nge-FSRA Connect, Ukugunyazwa Kwesisekelo kanye nezimo, bese kuvunyelwa izinsizakalo zezezimali (FSRA Uhlelo Lokuqala)
  • Amabhange ase-Islamic aphatha i-PSIA engenamkhawulo awela kwisigaba 5 nezidingo zezimali zokwehlisa umthwalo webhizinisi.
Sources(1)
  1. ADGM FSRA: Getting Started Guide (2025), fees and prudential capital tables · checked 2026-10-07
Inkampani yokutshala imali

Izivumelwano zezinsizakalo zezimali zokuhweba ngokutshala imali njengoMqondisi noma ukuhlinzeka ngemali (Isigaba 2)

Imali encanei-USD 2m
IsikhathiAkukho kushicilelwe
IgunyaFSRA

US$ 2 million Base Capital Requirement plus risk-based capital requirements

Umthetho
FSMR; FSRA PRU 1.3 and 3.3.2
Izindleko
Ukuhweba ngezinkokhelo njengoMqondisi: isicelo se-USD 40,000, ukuhlolwa konyaka kwe-USD 50,000; Ukuhlinzeka ngemali: Isicelo se-USD 70,000, ukuqondiswa konyaka kwe-USD 100,000. Imikhiqizo ye-OTC esebenza ngemali engenayo kanye nabathengisi abancane bafaka isicelo se-USD 40,000 kanye nokuhlolwa kwe-USD 40,000.
Ukudluliswa kwepasipoti
Ayikho ipasipoti. Igunya lokuhlinzeka ngezinsizakalo zezezimali lifaka kuphela imisebenzi elawulwayo ngaphakathi noma kusuka ku-ADGM.
Izidingo ezibalulekile
  • Imisebenzi elawulwayo: Umphathi ophezulu, umphathi wezimali, umphathi wokuhambisana ne-MLRO; i-SEO, umphathi wokuhambisana ne-MLRO kufanele abe ngumuntu ohlala e-UAE; abaqondisi bezinkampani ezibhaliswe yi-ADGM kumele bavunyelwe njengoMlawuli onelayisense (FSRA Uhlelo lokuqalisa)
  • Ukutholakala komuntu siqu e-ADGM e-Al Maryah Island noma e-Al Reem Island (FSRA I-Guide Yokuqala)
  • Izingxoxo ngaphambi kokufaka isicelo, ukufaka isicelo ngokugcwele nge-FSRA Connect, Ukugunyazwa Kwesisekelo kanye nezimo, bese kuvunyelwa izinsizakalo zezezimali (FSRA Uhlelo Lokuqala)
Sources(1)
  1. ADGM FSRA: Getting Started Guide (2025), fees and prudential capital tables · checked 2026-10-07
Inkampani yokutshala imali

Izivumelwano zezinsizakalo zezimali zokuhweba ngokutshala imali njenge-Agent noma njenge-Mated Principal (Isigaba 3A)

Imali encanei-USD 500k
IsikhathiAkukho kushicilelwe
IgunyaFSRA

US$500,000 Base Capital Requirement; US$2 million for firms dealing as Matched Principal in OTC leveraged products or derivatives with Retail Clients

Umthetho
FSMR; FSRA PRU 1.3 and 3.3.2
Izindleko
Ukuhweba ngezinkokhelo njengoMqondisi noma njengomphathi olinganiwe: isicelo se-USD 25,000, ukuhlolwa konyaka kwe-USD 25,000.
Ukudluliswa kwepasipoti
Ayikho ipasipoti. Igunya lokuhlinzeka ngezinsizakalo zezezimali lifaka kuphela imisebenzi elawulwayo ngaphakathi noma kusuka ku-ADGM.
Izidingo ezibalulekile
  • Imisebenzi elawulwayo: Umphathi ophezulu, umphathi wezimali, umphathi wokuhambisana ne-MLRO; i-SEO, umphathi wokuhambisana ne-MLRO kufanele abe ngumuntu ohlala e-UAE; abaqondisi bezinkampani ezibhaliswe yi-ADGM kumele bavunyelwe njengoMlawuli onelayisense (FSRA Uhlelo lokuqalisa)
  • Ukutholakala komuntu siqu e-ADGM e-Al Maryah Island noma e-Al Reem Island (FSRA I-Guide Yokuqala)
  • Izingxoxo ngaphambi kokufaka isicelo, ukufaka isicelo ngokugcwele nge-FSRA Connect, Ukugunyazwa Kwesisekelo kanye nezimo, bese kuvunyelwa izinsizakalo zezezimali (FSRA Uhlelo Lokuqala)
Sources(2)
  1. ADGM FSRA: Getting Started Guide (2025), fees and prudential capital tables · checked 2026-10-07
  2. ADGM FSRA: Consultation Paper No. 2 of 2025, Appendix 1 (amendments to PRU 3.3.2) · checked 2026-10-07
Inkampani yokutshala imali

Izivumelwano zezinsizakalo zezezimali zokuphatha izimpahla noma ukuphatha i-Collective Investment Fund (Isigaba 3C)

Imali encanei-USD 250k
IsikhathiAkukho kushicilelwe
IgunyaFSRA

US$ 250,000 Izidingo Zomnotho Wesizinda Sesigaba 3C; uma umsebenzi kuphela ukuphatha izimali, US$ 150,000 zezimali zikaHulumeni noma zokuhweba kanye ne-US$ 50,000 zamanye amabhange; umnotho ophansi wemali engenayo engu-13/52 noma u-18/52 yemali engenayo yonyaka ehlobene nokuhlolwa

Umthetho
FSMR; FSRA PRU 1.3 and 3.3.2; Fund Rules (FUND)
Izindleko
Ukuphatha izimali: US$ 25,000 isicelo kanye nokuqapha; Ukulawula i-Collective Investment Fund: US$ 10,000 isicelo kanye nokuqapha.
Ukudluliswa kwepasipoti
Ayikho ipasipoti. Igunya lokuhlinzeka ngezinsizakalo zezezimali lifaka kuphela imisebenzi elawulwayo ngaphakathi noma kusuka ku-ADGM.
Izidingo ezibalulekile
  • Imisebenzi elawulwayo: Umphathi ophezulu, umphathi wezimali, umphathi wokuhambisana ne-MLRO; i-SEO, umphathi wokuhambisana ne-MLRO kufanele abe ngumuntu ohlala e-UAE; abaqondisi bezinkampani ezibhaliswe yi-ADGM kumele bavunyelwe njengoMlawuli onelayisense (FSRA Uhlelo lokuqalisa)
  • Ukutholakala komuntu siqu e-ADGM e-Al Maryah Island noma e-Al Reem Island (FSRA I-Guide Yokuqala)
  • Izingxoxo ngaphambi kokufaka isicelo, ukufaka isicelo ngokugcwele nge-FSRA Connect, Ukugunyazwa Kwesisekelo kanye nezimo, bese kuvunyelwa izinsizakalo zezezimali (FSRA Uhlelo Lokuqala)
  • Izidingo zemali eziphansi ezitholakalayo kubaphathi bezitshalo-mali abafanelekayo bedijithali (abacebisi be-robo) ngaphansi kwe- FSRA yokuqondisa okungeziwe
Sources(2)
  1. ADGM FSRA: Getting Started Guide (2025), fees and prudential capital tables · checked 2026-10-07
  2. ADGM FSRA: Consultation Paper No. 2 of 2025, Appendix 1 (amendments to PRU 3.3.2) · checked 2026-10-07
Umhlinzeki wezinsizakalo zokukhokha (PSP)

Izivumelwano zokuhlinzeka ngezinsizakalo zemali (izinsizakalo zokukhokha, inani eligcinwe, ukuthunyelwa kwemali, ukuguqulwa kwezimali)

Imali encaneIsigaba 3C: izidingo zemali ziphezulu kune-PRU 3.3 Base Capital Requirement kanye nesinqumo esisekelwe emisebenzini: umkhawulo ophansi osekelwe ekuthengiseni kwemali, EBCM plus Variable Capital Requirement for remitters, VCR ngaphansi kwe-PRU 3.6A.4 yezinsizakalo zokukhokha noma i-3.6A.6 yalabo abahlinzeka ngexabiso eligcinwe
IsikhathiAkukho kushicilelwe
IgunyaFSRA

Isigaba 3C: izidingo zezimali ziphezulu kune-PRU 3.3 Base Capital Requirement kanye nesinqumo esisekelwe emisebenzini: umkhawulo ophansi osekelwe ekuthengiseni kwemali, EBCM plus Variable Capital Requirement for remitters, VCR ngaphansi kwe-PRU 3.6A.4 yezinsizakalo zokukhokha noma i-3.6A.6 yabahlinzeki bezinga eligcinwe

Umthetho
FSMR; FSRA PRU 3.3 and 3.6A (Variable Capital Requirement)
Izindleko
Imali yokufaka isicelo kanye nemali yokuhlola ngonyaka: i-USD 25,000 ngayinye yezinsizakalo zokukhokha; i-USD 15,000 ngayinye yokudluliselwa kwemali; i-USD 15,000 ngayinye yokushintshana kwezimali.
Ukudluliswa kwepasipoti
Ayikho ipasipoti. Igunya lokuhlinzeka ngezinsizakalo zezezimali lifaka kuphela imisebenzi elawulwayo ngaphakathi noma kusuka ku-ADGM.
Izidingo ezibalulekile
  • Imisebenzi elawulwayo: Umphathi ophezulu, umphathi wezimali, umphathi wokuhambisana ne-MLRO; i-SEO, umphathi wokuhambisana ne-MLRO kufanele abe ngumuntu ohlala e-UAE; abaqondisi bezinkampani ezibhaliswe yi-ADGM kumele bavunyelwe njengoMlawuli onelayisense (FSRA Uhlelo lokuqalisa)
  • Ukutholakala komuntu siqu e-ADGM e-Al Maryah Island noma e-Al Reem Island (FSRA I-Guide Yokuqala)
  • Izingxoxo ngaphambi kokufaka isicelo, ukufaka isicelo ngokugcwele nge-FSRA Connect, Ukugunyazwa Kwesisekelo kanye nezimo, bese kuvunyelwa izinsizakalo zezezimali (FSRA Uhlelo Lokuqala)
  • Izidingo zezimali eziguqukayo zilinganiselwa ngemali noma ngobukhulu bezinga eligcinwe (PRU 3.6A)
Sources(1)
  1. ADGM FSRA: Getting Started Guide (2025), fees and prudential capital tables · checked 2026-10-07
Umhlinzeki wenkonzo yezinto ezibonakalayo (VASP)

Imisebenzi elawulwa ngokuphathelene nama-Virtual Assets (iphrojekthi yama-Virtual Assets, COBS Isiqephu 17)

Imali encaneNgokuvamile, imali-mboleko yePRU yomsebenzi owodwa ezindaweni zomlando. Ukuvikelwa kwempahla ebonakalayo: ngaphezulu kuka-USD 250,000 noma imali engenayo yonyaka ehlolwe eminyakeni emihlanu. I-MTF esebenzisa izimpahla ezibonakalayo: izindleko zokusebenza zenyanga eziyisishiyagalombili kanye ne-buffer engunyaka owodwa, egcinwe nge-fiat (MIR 3.2)
IsikhathiAkukho kushicilelwe
IgunyaFSRA

Ngokuvamile izimali ze-PRU zomsebenzi owodwa ezimpahla zakudala. Ukuvikelwa kwempahla ebonakalayo: ngaphezulu kuka-USD 250,000 noma imali engenayo yonyaka ehlolwe eminyakeni emihlanu. I-MTF esebenzisa izimpahla ezibonakalayo: izindleko zokusebenza zenyanga eziyisishiyagalombili kanye ne-buffer engunyaka owodwa, egcinwe nge-fiat (MIR 3.2)

Umthetho
FSMR; FSRA Conduct of Business Rulebook (COBS) Chapter 17; Market Infrastructure Rulebook (MIR) Rule 3.2; FEES Rule 3.17
Izindleko
Izindleko ezingeziwe zempahla ebonakalayo ezingu-USD 20,000 zokufaka isicelo kanye ne-USD 15,000 yokuhlola ngonyaka ngaphezulu kwezinkokhelo zemisebenzi elawulwayo; i-MTF yempahla ebonakalayo ikhokhisa i-USD 125,000 yokufaka isicelo kanye ne-USD 60,000 yokuhlola kanye nemali yokuhweba ngayinye (imithetho ye-FEES 3.18).
Ukudluliswa kwepasipoti
Ayikho ipasipoti. Igunya lokuhlinzeka ngezinsizakalo zezezimali lifaka kuphela imisebenzi elawulwayo ngaphakathi noma kusuka ku-ADGM.
Izidingo ezibalulekile
  • Izimpahla ze-Virtual ezivunyelwe kuphela ezingasetshenziswa; inqubo yokwamukela izoshesha ngoJuni 2025
  • Ama-Privacy Tokens nama-Algorithmic Stablecoins avunyelwe nganoma iyiphi imisebenzi elawulwayo
  • Izinhlanganiso eziningana ngaphambi kokufaka isicelo kanye neziboniso zezobuchwepheshe, izinhlelo zokuqashwa ngokuningiliziwe, nokuhlolwa kokuqashwa okusebenzayo ngaphambi kokuba kuqale ukusebenza
  • Imisebenzi elawulwayo: Umphathi ophezulu, umphathi wezimali, umphathi wokuhambisana ne-MLRO; i-SEO, umphathi wokuhambisana ne-MLRO kufanele abe ngumuntu ohlala e-UAE; abaqondisi bezinkampani ezibhaliswe yi-ADGM kumele bavunyelwe njengoMlawuli onelayisense (FSRA Uhlelo lokuqalisa)
  • Ukutholakala komuntu siqu e-ADGM e-Al Maryah Island noma e-Al Reem Island (FSRA I-Guide Yokuqala)
Sources(3)
  1. ADGM FSRA: Guidance, Regulation of Virtual Asset Activities in ADGM (VER07.100625) · checked 2026-10-07
  2. ADGM: FSRA implements amendments to its Digital Asset Regulatory Framework (10 June 2025) · checked 2026-10-07
  3. ADGM FSRA: Getting Started Guide (2025), fees and prudential capital tables · checked 2026-10-07
Umhlinzeki wenkonzo yezinto ezibonakalayo (VASP)

Izivumelwano zezinsizakalo zezimali zokukhishwa kwe-Fiat-referenced Token

Imali encanei-USD 2m
IsikhathiAkukho kushicilelwe
IgunyaFSRA

US$ 2 million Base Capital Requirement (Category 3C), ngemali engenayo esekelwe ekukhokhweni kwezinkokhelo zenyanga ngayinye

Umthetho
FSMR; FSRA PRU 3.3.2
Izindleko
US$ 70,000 isicelo kanye ne-US$ 70,000 yokuhlola ngonyaka.
Ukudluliswa kwepasipoti
Ayikho ipasipoti. Igunya lokuhlinzeka ngezinsizakalo zezezimali lifaka kuphela imisebenzi elawulwayo ngaphakathi noma kusuka ku-ADGM.
Izidingo ezibalulekile
  • Imisebenzi elawulwayo: Umphathi ophezulu, umphathi wezimali, umphathi wokuhambisana ne-MLRO; i-SEO, umphathi wokuhambisana ne-MLRO kufanele abe ngumuntu ohlala e-UAE; abaqondisi bezinkampani ezibhaliswe yi-ADGM kumele bavunyelwe njengoMlawuli onelayisense (FSRA Uhlelo lokuqalisa)
  • Ukutholakala komuntu siqu e-ADGM e-Al Maryah Island noma e-Al Reem Island (FSRA I-Guide Yokuqala)
  • Izingxoxo ngaphambi kokufaka isicelo, ukufaka isicelo ngokugcwele nge-FSRA Connect, Ukugunyazwa Kwesisekelo kanye nezimo, bese kuvunyelwa izinsizakalo zezezimali (FSRA Uhlelo Lokuqala)
Sources(2)
  1. ADGM FSRA: Getting Started Guide (2025), fees and prudential capital tables · checked 2026-10-07
  2. ADGM FSRA: Consultation Paper No. 2 of 2025, Appendix 1 (amendments to PRU 3.3.2) · checked 2026-10-07
Ama-Supervisors

Ubani olawula

  • I-Financial Services Regulatory Authority of Abu Dhabi Global Market (FSRA) · iwebhusayithiamabhange, izinhlangano zemali ye-E-, abahlinzeki bezinkonzo zokukhokha, izinkampani zokutshala imali, abahlinzeki bezinkonzo zezinto ezibonakalayo (VASPs), inshuwalense, amathuluzi, izinkampani zokwethembeka

Izimali kanye nezindleko zivela ku- FSRA's own Getting Started Guide (2025) and FSRA consultation and guidance documents because the ADGM rulebook site returned HTTP 403 to our fetcher; the PRU 3.3.2 text itself could not be opened directly. Lower-risk firm amendments took effect on 19 August 2025: Category 4 base capital is USD 50,000 (USD 150,000 for Private Financing Platforms holding client assets), Category 4 companies without client assets no longer face the expenditure-based minimum, and base capital for Providing Custody for a non-public Fund fell to USD 250,000 (the Getting Started Guide still shows USD 4 million for Category 3B). PII minimum standards apply to renewals from 1 January 2026. The FSRA does not publish a statutory licensing timeline that we could verify, so timeline_months is null. FSRA consulted in 2025 on a framework for staking of virtual assets (CP 10 of 2025); check the current status before relying on it. Gaming: no online gaming license regime in ADGM. Fees are in USD; the national currency is the UAE dirham (AED).

Ulwazi oluphelele

i-United Arab Emirates

i-United Arab Emirates
i-United Arab Emirates i-Abu Dhabi
Izilimi zesihlabathi. I-map ikhombisa kuphela.
Isimo
Isifunda esingenamali e-UAE (Abu Dhabi)
Idolobhakazi
i-Abu Dhabi
Idolobha elikhulu kakhulu
i-Dubai
Indawo
83,600 km²
Izilimi ezisemthethweni
isi-Arabic
Indawo yesikhathi
UTC+04:00

Ukuthunyelwa okuyinhloko

  • i-crude petroleum
  • i-refined petroleum
  • igolide
  • imishini yokusakaza
  • igesi yemvelo

Abahlanganyeli abakhulu

  • i-China
  • i-India
  • i-Japan
  • i-Iraq
  • i-Thailand
Sources for the country information(13)

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