Izinhlobo zelayisense
Izinhlangano zemali ye-e
Ukukhishwa kwemali ye-elekthronikhi kanye nokusebenza kwama-akhawunti namakhadi, ngaphandle kokufaka imali engenayo. Kuqhathaniswa phakathi kwezimo ezingu-34. Amafayela afana nenani eliphansi lemithetho yokulawula ngayinye; izidingo zemali ebonakalayo zivame ukuba phezulu.
| Umthethosivivinywa | Ilayisense | Imali encane | Isikhathi | Ingozi |
|---|---|---|---|---|
| Austria Europe (EU) | Ilayisense lenhlangano yemali-elektroniki FMA | EUR 350,000 | Uhlelo lwe-ZaDiG 2018 lusebenza: isigqibo sithathwa ngaphakathi kwezinyanga ezintathu zokufaka isicelo esigcwele | Iphutha |
| Belgium Europe (EU) | Ilayisense njengenhlangano yemali ephathekayo NBB | EUR 350,000 | NBB ikhetha ngaphakathi 3 kwezinyanga zokuqinisekiswa ukuthi ifayela liqediwe futhi kungapheli 12 izinyanga ngemuva kokuthunyelwe | Iphutha |
| I-Cyprus Europe (EU) | Ukugunyazwa njengenhlangano yemali ephathekayo CBC | EUR 350,000 | Inyanga emibili ngemuva kokufaka isicelo esigcwele (PSD2 isigaba 12, sisetshenziswa kuma-EMIs yi EMD2 isigaba 3(1)) | Iphutha |
| Estonia Europe (EU) | Ilayisense yokusebenza kwenhlangano yemali-e Finantsinspektsioon | EUR 350,000 | Usinqumo ngaphakathi kwezinyanga ezingu-3 kunoma iyiphi idatha nedokhumenti, futhi kungaphelelwa yizinsuku eziyi-6 ngemuva kokufaka isicelo. | Iphutha |
| France Europe (EU) | I-Agrément as an electronic money institution I-ACPR | EUR 350,000 | I-Agrément ithunyelwe ngaphakathi 3 kwezinyanga zefayela eliphelele (ACPR) | Iphutha |
| Germany Europe (EU) | Ilayisense yebhizinisi lemali-e (E-Geld-Institut) i-Finland | EUR 350,000 | PSD2 Art. 12: isigqibo ngaphakathi 3 kwezinyanga zesicelo esiphelele | Iphutha |
| Ireland Europe (EU) | Ugunyazo lwenhlangano yemali ye-elekthronikhi Ibhange Eliphakathi lase-Ireland | EUR 350,000 | Isilinganiso senkonzo: isikhashana sokuhlolwa ngaphakathi kwezinsuku zebhizinisi ezingu-90 (ihora lihlala lilinde umfakisicelo); iBhanki Eliphakathi liphawula ukuthi kungathatha iminyaka engaphezu kuka-12 ukuze amabhange ahlinzeke yonke imininingwane. | Iphutha |
| Italy Europe (EU) | Ugunyazo lwenhlangano yemali ye-elekthronikhi (IMEL) Banca d'Italia | EUR 350,000 | PSD2 isiqendu 12 (isetshenziswa kuma-EMIs nge-EMD2): isigqibo ngaphakathi kwezinyanga ezingu-3 ngemuva kokufaka isicelo esigcwele; isikhathi sokuphela kwenqubo yeBanca d'Italia asikuqinisekisiwe | Iphutha |
| Lithuania Europe (EU) | Ilayisense lenhlangano yemali ye-elekthronikhi (EMI) Ibhodi leBhanki yaseLithuania | EUR 350,000 | inyanga engu-3 kusukela kusicelo esiphelele (inyanga engu-2 uma ilayisense lihlotshaniswa nemisebenzi EMI); isikhashana siqala kabusha uma kuthunyelwe amadokhumende angeziwe | Iphutha |
| i-Luxembourg i-Europe (EU) | Ukugunyazwa kwenhlangano yemali ephathekayo (EMI) CSSF | EUR 350,000 | Usinqumo sizothathwa ngaphakathi kwezinyanga ezingu-3 ngemuva kokufaka isicelo esigcwele futhi nganoma iyiphi indlela ngaphakathi kwezinyanga eziyi-12, uma kungenjalo kubhekwa ukuthi kuvunyelwe (isiqephu 24-3) | Iphutha |
| i-Malta i-Europe (EU) | Ilayisense lenhlangano yezezimali yokukhishwa kwemali ephathekayo (inhlangano yemali ephathekayo) MFSA | EUR 350,000 | MFSA kumele acacise ngaphakathi kwezinyanga ezintathu zokuthola isicelo esigcwele (FIR/01 amaphara 43 kuya ku-44) | Iphutha |
| Netherlands Europe (EU) | Igunya lenhlangano yemali ephathekayo DNB | EUR 350,000 | PSD2/EMD2 isikhathi sokuthatha isigqibo sezinsuku ze 3 ezisuka ekutholeni isicelo esiphelele; I-DNB iphawula ukuthi ingadinga isikhathi esingaphezu kwezinyanga ezintathu uma ulwazi | Iphutha |
| Poland Europe (EU) | Igunya njengenhlangano yemali ye-elekthronikhi yasekhaya (krajowa instytucja pieniędzy elektronicznych, KIPE) KNF | EUR 350,000 | I-KNF ithatha isigqibo ngaphakathi 3 kwezinyanga zesicelo esiphelele (isib. 62(2), esetshenziswa kuma-EMIs ngomsebenzi. 132b(3)) | Iphutha |
| i-Portugal i-Europe (EU) | Igunya lenhlangano yemali ephathekayo Banco de Portugal | EUR 350,000 | PSD2 Art. 12: isigqibo ngaphakathi 3 kwezinyanga zesicelo esiphelele | Iphutha |
| Spain Europe (EU) | Igunya lenhlangano yemali ephathekayo (entidad de dinero electrónico) Banco de España | EUR 350,000 | Usinqumo ngaphakathi kwezinyanga ezingu-3 zokuthola noma ukuqedwa kwefayela; ukuthula kusho ukungavumelani (RD 778/2012 art. 1(2)) | Iphutha |
| Gibraltar Europe (non-EU) | Inhlangano yemali ye-elekthronikhi (Ingxenye 7 imvume) GFSC | EUR 350,000 | Akushicilelwe | Iphutha |
| Isle of Man Europe (non-EU) | Uhlobo 8(4) ilayisense lezinsizakalo zokudlulisa imali (ukukhishwa kwemali ye-elekthronikhi) IOMFSA | Not published | IOMFSA service standard of 6 months from a complete application; longer if incomplete or issues arise | Iphutha |
| Liechtenstein Europe (non-EU) | Ilayisense lenhlangano yemali-elektroniki i-Liechtenstein | EUR 350,000 | Decision within three months of receipt of the application or of the complete information (Art. 7(3) EMA); ukuxoshwa uma kungakapheli izinyanga eziyisithupha | Iphutha |
| Switzerland Europe (non-EU) | ilayisense leFinTech (abantu abangaphansi kwesigaba 1b BankA) FINMA | CHF 300,000 | Akushicilelwe | Iphutha |
| United Kingdom Europe (non-EU) | Inhlangano egunyaziwe yemali ye-elekthronikhi FCA | EUR 350,000 | FCA kumele acacise isicelo esiphelele ngaphakathi kwezinyanga ze-3 kanye nanoma yisiphi isicelo ngaphakathi kwezinyanga ze-12 zokuthola (EMRs 2011 reg. 9) | Iphutha |
| i-Qatar (QFC) i-Middle East | Ilayisense yomthengisi wezinsizakalo zokukhokha i-QCB, Isigaba I (ukukhishwa kwemali ye-e kanye nokuthola umhwebi) Ibhange Eliphakathi laseQatar | QAR 2,000,000 | Umphathi uthatha isinqumo ngaphakathi kwezinsuku ezingu-60 ngemuva kokuthi zonke izimo zokuthola ilayisense zitholwe | Iphutha |
| United Arab Emirates (onshore) Middle East | Ilayisense ye-Store Value Facilities (SVF) Ibhange Eliphakathi lase-UAE | AED 15,000,000 | Akushicilelwe | Iphutha |
| United Arab Emirates: Dubai International Financial Centre (DIFC) Middle East | Ukuhlinzeka ngezinsizakalo zemali (ukukhishwa kwenani eligcinwe), Isigaba 3C DFSA | USD 500,000 | Akushicilelwe | Iphutha |
| i-Australia i-Pacific | Ukugunyazwa komthengisi wendawo yokukhokha ethengisiwe (PPF) njenge-ADI APRA | Not published | Akushicilelwe | Iphutha |
| i-Hong Kong i-Pacific | Ilayisense lendawo yokugcina imali (SVF) HKMA | HKD 25,000,000 | Akushicilelwe | Iphutha |
| Japan Asia-Pacific | Umhlinzeki wezinto zokukhokha ezikhokhelwa ngaphambilini zebhizinisi leqembu lesithathu (ubhaliso) FSA (nge-Finance Bureau yasendaweni) | Not published | Akushicilelwe | Iphutha |
| i-Philippines i-Pacific | Umphathi wemali ye-elekthronikhi (EMI) BSP | Not published | Akushicilelwe | Iphutha |
| i-Singapore i-Pacific | Ukukhishwa kwemali-e ngaphansi kwelayisense leMPI noma i-SPI MAS | SGD 250,000 | Akushicilelwe | Iphutha |
| South Korea Asia-Pacific | Igunya lokukhishwa kwemali ye-elekthronikhi FSC | KRW 5,000,000,000 | Akushicilelwe | Iphutha |
| South Korea Asia-Pacific | Ubhaliso lokukhishwa nokuphatha amathuluzi ezimali ezikhokhelwa ngaphambili FSC | KRW 2,000,000,000 | Akushicilelwe | Iphutha |
| i-Bolivia i-Amerika ne-Caribbean | Inkampani yezinsizakalo zokukhokha zeselula I-Financial Supervision Authority | Paid-in capital in bolivianos equal to UFV 3,000,000 (art. 368). Capital may be paid in cash or in kind, but in-kind capital is limited to real estate and technology platforms used in the business. Additional capital must fund a trust that backs the electronic money in circulation (art. 373). | Akushicilelwe | Ingozi ephezulu |
| Brazil Americas & Caribbean | Inhlangano yokukhokha ekhipha imali ye-elekthronikhi i-Central Bank of Brazil | BRL 9,200,000 | Akushicilelwe | Iphutha |
| Chile Ama-America namaCaribbean | Umhlinzeki wekhadi elikhokhelwa ngaphambili elingasekho kwibhange I-Comisión para el Mercado Financiero (ubhaliso); i-Banco Central de Chile (izimiso) | CLF 25,000 | Akushicilelwe | Iphutha |
| Mexico Americas & Caribbean | Institución de fondos de pago electrónico (IFPE, inhlangano yemali yokukhokha ephathekayo) Comisión Nacional Bancaria y de Valores, ngesivumelwano se-Comité Interinstitucional (SHCP, Banco de México ne-CNBV) | MXV 500,000 | Izigunyazo ezidinga i-Comité Interinstitucional kufanele zithathelwe isigqibo ngaphakathi kwezinsuku ezingama-180 (Ley Fintech art. 6). Igunya lingawudlulisa lo mkhawulo kuze kube yingxenye ngesicelo somqashi. | Iphutha |
Izinsiza kusebenza zidweliswe kukhasi ngalinye lezomthetho. Ulwazi kuphela, hhayi incazelo yomthetho.