Ibhange
Ilayisense lebhange (ibhange elibhalisiwe e-UAE, ibhange elikhethekile noma inkontileka yebhange elisha) Isikhathi Akukho kushicilelwe Igunya I-Central Bank of the UAE
Federal Decree-Law No. (6) of 2025 Regarding the Central Bank, Regulation of Financial Institutions and Activities, and Insurance Business, Articles 60 and 61; CBUAE Minimum Capital for Banks Regulation (C 12/2021), Article 3 Ayikho. Ilayisense le-CBUAE lifaka i-UAE eseziqhingini kuphela; i-DIFC ne-ADGM zinezilawuli ezahlukene. Izidingo ezibalulekile Sources(2) CBUAE Rulebook: Minimum Capital for Banks Regulation · checked 2026-10-07 CBUAE Rulebook: Federal Decree-Law No. (6) of 2025 · checked 2026-10-07 Ibhange
Ibhange Lelayisense Elilinganiselwe Isikhathi Akukho kushicilelwe Igunya I-Central Bank of the UAE
CBUAE Restricted Licence Banks Regulation (C 23/2022), Articles 3 and 5 Hayi. Onshore UAE kuphela. Izidingo ezibalulekile Sources(2) CBUAE Rulebook: Restricted Licence Banks Regulation · checked 2026-10-07 CBUAE Rulebook: Restricted Licence Banks Regulation, Article 5 · checked 2026-10-07 Umhlinzeki wezinsizakalo zokukhokha (PSP)
Ilayisense yezinsizakalo zokukhokha ezincane (Isigaba I, II, III noma IV) Isikhathi Akukho kushicilelwe Igunya I-Central Bank of the UAE
CBUAE Retail Payment Services and Card Schemes Regulation (C 15/2021), Articles 3 and 6 Hayi. Onshore UAE kuphela. Izidingo ezibalulekile Sources(2) CBUAE Rulebook: RPSCS Regulation, Article 3 Licence Categories · checked 2026-10-07 CBUAE Rulebook: RPSCS Regulation, Article 6 Initial Capital · checked 2026-10-07 Inhlangano yemali-elektroniki
Ilayisense lezinto ezigcinwe ngentengo (SVF) Isikhathi Akukho kushicilelwe Igunya I-Central Bank of the UAE
CBUAE Stored Value Facilities Regulation (C 6/2020), Articles 3 and 7 Hayi. Onshore UAE kuphela. Izidingo ezibalulekile Sources(1) CBUAE Rulebook: Stored Value Facilities Regulation · checked 2026-10-07 Umhlinzeki wenkonzo yezinto ezibonakalayo (VASP)
Ilayisense lezinsizakalo ze-Payment Token (ukukhishwa, ukuguqulwa, ukugcinwa nokudluliswa) Isikhathi Akukho kushicilelwe Igunya I-Central Bank of the UAE
CBUAE Payment Token Services Regulation (C 2/2024), Articles 13 and 14 Hayi. Onshore UAE kuphela. Izidingo ezibalulekile Sources(3) CBUAE Rulebook: Payment Token Services Regulation · checked 2026-10-07 CBUAE Rulebook: PTS Regulation, Article 13 · checked 2026-10-07 CBUAE Rulebook: PTS Regulation, Article 14 · checked 2026-10-07 Umhlinzeki wenkonzo yezinto ezibonakalayo (VASP)
Ilayisense le-Virtual Asset Service Provider (VASP), iDubai Isikhathi Akukho kushicilelwe Igunya Igunya lokulawulwa kwezimpahla ezibonakalayo (VARA)
Dubai Law No. (4) of 2022 Regulating Virtual Assets in the Emirate of Dubai; VARA Virtual Assets and Related Activities Regulations 2023; VARA Company Rulebook, Part VI.B Izinkokhelo zokuthola ilayisense nezokulawula zibekwe ngeschedule VARA Imithetho 2023; cishe i-50% yemali yokufaka isicelo ikhokhwa esigabeni sokuqala. Ifaka izwekazi laseDubai kanye nezifunda ezikhululekile zaseDubai, ngaphandle kweDIFC. Izidingo ezibalulekile Sources(3) VARA: Licensed Activities · checked 2026-10-07 VARA: Licence Applications · checked 2026-10-07 VARA Company Rulebook, Part VI.B Paid-Up Capital · checked 2026-10-07 Umhlinzeki wenkonzo yezinto ezibonakalayo (VASP)
Ilayisense lohlinzeki wezinsizakalo zemali ebonakalayo (yesifundazwe, ngaphandle kweDubai kanye nezifunda ezikhululekile zezimali) Imali encane Akukho kushicilelwe Isikhathi Akukho kushicilelwe Igunya I-Capital Market Authority (i-SCA yangaphambilini) Cabinet Resolution No. 111 of 2022 Regulating Virtual Assets and their Service Providers; Federal Decree-Law No. (33) of 2025 on the regulation of capital markets Isinqumo seKabinethi No. 83 sonyaka ka-2025 sibeka amaholo ezinsizakalo ezihlinzekwa abahlinzeki bezinsizakalo zempahla yedijithali; inani aliqinisekiswanga. Hayi. Izidingo ezibalulekile Sources(2) UAE Government portal: Regulation of digital properties · checked 2026-10-07 CMA: New CMA Law · checked 2026-10-07 Inkampani yokutshala imali
Ilayisense yemisebenzi yezimali (ukuhweba, ukuhweba ngemali, ukunakekelwa, insizakalo, ukuphathwa kwe-portfolio nokufanayo) Imali encane Akukho kushicilelwe Isikhathi Akukho kushicilelwe Igunya I-Capital Market Authority (i-SCA yangaphambilini) Federal Decree-Law No. (32) of 2025 regarding the Capital Market Authority and Federal Decree-Law No. (33) of 2025 regarding the regulation of capital markets (in force 1 January 2026) Hayi. Izidingo ezibalulekile Sources(1) CMA: New CMA Law · checked 2026-10-07 Ama-Supervisors
Ubani olawula Ibhange Eliphakathi lase-UAE (CBUAE) · iwebhusayithi amabhange, abahlinzeki bezinsizakalo zokukhokha, izinhlangano zemali ye-e-, amathokheni wokukhokha, izinkampani zezimali, izakhiwo zokushintshana, inshuwalense I-Capital Market Authority (ingaphambilini iSecurities and Commodities Authority) (CMA) · iwebhusayithi Izinkampani zokutshala imali, Abahlinzeki bezinsizakalo zezinto ezibonakalayo (VASPs) I-Virtual Assets Regulatory Authority (Dubai) (VARA) · iwebhusayithi Abahlinzeki bezinsizakalo ze-Virtual assets (VASPs) Isinqumo seNkantolo Yomthethosisekelo No. (6) ye 2025 ithathe indawo yoMthethosivivinywa Wesifundazwe No. (14) ye 2018 futhi yaqala ukusebenza ngo 16 Septemba 2025; Isiqephu 184 sinikeze abantu abakhona unyaka owodwa wokulandela, olungiswe yiBhodi ye-CBUAE, nokuthi ngabe lo sikhathi lulungiswe noma cha akufanele kuqinisekiswe. Isihloko 62 siletha i-DeFi, i-dApps kanye nemisebenzi yempahla ebonakalayo ephathelene nokukhokha ngaphakathi kwelayisense le-CBUAE lapho kufinyelela khona kwiNsizakalo Yemali Esemthethweni, ngenkathi impahla ebonakalayo esetshenziswa ukutshala imali noma ukuguqulwa phakathi kwempahla ebonakalayo ingaphansi kwamanye amalungelo. Izinqumo eziningi ze-CBUAE (SVF, um kapitali omncane) zisho umthetho 2018; zihlala zibhalwe njengezisebenzayo encwadini yemithetho ye-CBUAE. I-Securities and Commodities Authority yaguqulwa igama yaba yiCapital Market Authority ngoMthethosivivinywa Wezwe No. (32) ye 2025, isebenza ngo 1 Januwari 2026. I-CMA yashicilela iphrojekthi ebuyekeziwe ye-Virtual Assets Framework ku 2026 enemisebenzi emihlanu elawulwayo nezimali ezisekelwe emngcele, kodwa umbhalo osemthethweni awuzange ubuyiselwe, ngakho amanani ezimali awanikezwanga. Akukho sikhathi esisemthethweni se-CBUAE noma izindleko zokufaka izicelo zelayisense lebhange noma lokukhokha. Izinkampani zezimali nezindawo zokushintshana nazo zinikezwa ilayisense yi-CBUAE kodwa azikho lapha. Imidlalo yobugebengu ilawulwa yi-General Commercial Gaming Regulatory Authority, kodwa indawo yayo esemthethweni ayikwazi ukufinyelelwa, ngakho ayikho ilayisense yokugembula. I-DIFC ne-ADGM zihlolwe ngezingeniso ezahlukene.
