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Ilayisense · EMI, inhlangano yokukhokha, izinkonzo zemali

Imali ye-E nezimali

Ama-akhawunti, amakhadi, ukudluliswa nokuthola, ngaphandle kokudlulisa izikhundla.

50Izinkantolo ziqhathaniswa
i-USD 10kOkuphansi kakhulu okusemthethweni (kungaba yisidingo sangempela)
Izinsuku ezingu-3Isikhathi esiphezulu sohlobo olujwayelekile
32Izinhlelo ezinepasipoti

Thengisa

Imali engenayo ephansi ngokusho kwemithetho, ibheke ngakwesokudla.

Igumbi lezomthetho ezweni ngalinye. Le yindawo yokuqala yokuqhathaniswa, hhayi izimali: umqondisi ubeka imali esetshenzisiwe yebhange lakho.

  1. Iziqhingi zaseVirgin zaseBrithaniIlayisense lezinsizakalo zezimali nezimali, i-Class A (ukudluliswa kwemali) kanye ne-Class B (imiyalelo yemali, ukukhokhelwa kwecheki, ukuguqulwa kwemali)
    USD 10kUSD 10,000
  2. BarbadosIlayisense lenhlangano yezimali
    USD 25kBBD 50,000
  3. United Arab Emirates (onshore)Retail Payment Services license (Category I, II, III or IV)
    USD 27kAED 100,000
  4. Iziqhingi zeCaymanIlayisense lezinsizakalo zemali
    USD 37kKYD 30,000
  5. SingaporeIlayisense elijwayelekile lenhlangano yezimali (SPI)
    USD 78kSGD 100,000
  6. BahamasIlayisense lohlinzeki wezinsizakalo zokukhokha (amathuluzi okukhokha nge-elekthronikhi kanye nemali ye-elekthronikhi)
    USD 100kBSD 100,000
  7. AustriaPayment institution license (Konzession zur Bereitstellung von Zahlungsdiensten)
    USD 140kEUR 125,000
  8. BelgiumIlayisense njengohlelo lokukhokha
    USD 140kEUR 125,000
  9. i-CyprusIgunyazo njengohlelo lokukhokha
    USD 140kEUR 125,000
  10. EstoniaIlayisense lokusebenza lenhlangano yokukhokha
    USD 140kEUR 125,000
  11. FranceAgrément as a payment institution (établissement de paiement)
    USD 140kEUR 125,000
  12. GermanyLicense to provide payment services (Zahlungsinstitut)
    USD 140kEUR 125,000
  13. IrelandUgunyazo lwenhlangano yezimali
    USD 140kEUR 125,000
  14. ItalyUgunyazo lwenhlangano yezimali
    USD 140kEUR 125,000
  15. LithuaniaIlayisense lenhlangano yezimali
    USD 140kEUR 125,000
  16. LuxembourgIgunyazi lenhlangano yezimali (PI)
    USD 140kEUR 125,000
  17. MaltaIlayisense lenhlangano yezezimali yokuhlinzeka ngezinsizakalo zokukhokha (inhlangano yokukhokha)
    USD 140kEUR 125,000
  18. NetherlandsIlayisense lenhlangano yezimali
    USD 140kEUR 125,000
  19. PolandIgunyazo njengenhlangano yezimali zasekhaya (krajowa instytucja płatnicza, KIP); ukubhaliswa njengenhlangano yezimali ezincane (mała instytucja płatnicza, MIP)
    USD 140kEUR 125,000
  20. PortugalIgunya lenhlangano yezimali
    USD 140kEUR 125,000
  21. SpainUgunyazo lwenhlangano yezimali (entidad de pago)
    USD 140kEUR 125,000
  22. GibraltarInhlangano yezimali (Ingxenye 7 imvume)
    USD 140kEUR 125,000
  23. United KingdomAuthorised payment institution
    USD 140kEUR 125,000
  24. LiechtensteinPayment institution license (Bewilligung als Zahlungsinstitut)
    USD 150kCHF 125,000
  25. SingaporeIlayisense lenhlangano enkulu yokukhokha (MPI)
    USD 195kSGD 250,000
  26. SingaporeUkukhishwa kwemali-e ngaphansi kwelayisense leMPI noma i-SPI
    USD 195kSGD 250,000
  27. United Arab Emirates: Dubai International Financial Centre (DIFC)Ukuhlinzeka ngezinsizakalo zemali (ama-akhawunti wokukhokha, ukudluliselwa kwemali, amathuluzi okukhokha: Isigaba 3D; Ukudluliswa kwemali kuphela: Isigaba 4)
    USD 200kUSD 200,000
  28. South KoreaUbhaliso lwe-electronic payment gateway (PG)
    USD 223kKRW 300,000,000
  29. Switzerlandilayisense le-FinTech (abantu abangaphansi kwesigaba 1b BankA)
    USD 360kCHF 300,000
  30. AustriaE-money institution license (Konzession zur Ausgabe von E-geld)
    USD 392kEUR 350,000
  31. BelgiumIlayisense njengenhlangano yemali ephathekayo
    USD 392kEUR 350,000
  32. I-CyprusUgunyazo njengohlelo lwemali ye-elekthronikhi
    USD 392kEUR 350,000
  33. EstoniaIlayisense lokusebenza lenhlangano yemali ye-e-
    USD 392kEUR 350,000
  34. FranceAgrément as an electronic money institution (établissement de monnaie électronique)
    USD 392kEUR 350,000
  35. GermanyLicense for e-money business (E-Geld-Institut)
    USD 392kEUR 350,000
  36. IrelandUgunyazo lwenhlangano yemali ye-elekthronikhi
    USD 392kEUR 350,000
  37. ItalyUgunyazo lwenhlangano yemali ye-elekthronikhi (IMEL)
    USD 392kEUR 350,000
  38. LithuaniaIlayisense lenhlangano yemali ye-elekthronikhi (EMI)
    USD 392kEUR 350,000
  39. LuxembourgElectronic money institution (EMI) authorisation
    USD 392kEUR 350,000
  40. MaltaIlayisense lenhlangano yezimali yokukhishwa kwemali ephathekayo (inhlangano yemali ephathekayo)
    USD 392kEUR 350,000
  41. I-NetherlandsUgunyazo lwenhlangano yemali ye-elekthronikhi
    USD 392kEUR 350,000
  42. PolandAuthorisation as a domestic electronic money institution (krajowa instytucja pieniędzy elektronicznych, KIPE)
    USD 392kEUR 350,000
  43. PortugalIgunya lenhlangano yemali ye-elekthronikhi
    USD 392kEUR 350,000
  44. SpainIgunya lenhlangano yemali ephathekayo (entidad de dinero electrónico)
    USD 392kEUR 350,000
  45. GibraltarElectronic money institution (Part 7 permission)
    USD 392kEUR 350,000
  46. LiechtensteinE-money institution license (Bewilligung als E-Geld-Institut)
    USD 392kEUR 350,000
  47. United KingdomInhlangano egunyaziwe yemali ye-elekthronikhi
    USD 392kEUR 350,000
  48. United Arab Emirates: I-Dubai International Financial Centre (DIFC)Ukunikeza izinsizakalo zemali (ukukhishwa kwenani eligcinwe), Isigaba 3C
    USD 500kUSD 500,000
  49. i-Qatar (QFC)Ilayisense yomthengisi wezinsizakalo zokukhokha iQCB, iKategori I (ukukhishwa kwemali ye-e kanye nokuthola umhwebi)
    i-USD 549kQAR 2,000,000
  50. Qatar (QFC)Ilayisense lohlinzeki wezinsizakalo zokukhokha ze-QCB, Isigaba sesibili (okunye inkonzo yokukhokha, akukho imali yomsebenzisi egcinwe)
    USD 549kQAR 2,000,000
  51. BahrainIlayisense lomhlinzeki wezinsizakalo ezihambisanayo: umhlinzeki wezinsizakalo zokukhokha, ukucubungula amakhadi, i-AISP ne-PISP
    USD 665kBHD 250,000
  52. South KoreaUbhaliso lokukhishwa nokuphathwa kwezindlela zokukhokha ezikhokhelwa ngaphambilini ze-elekthronikhi
    USD 1.5mKRW 2,000,000,000
  53. BrazilInstituição de pagamento, modalidade eminente de moeda eletrônica (instituição de pagamento issuing electronic money)
    USD 1.8mBRL 9,200,000
  54. BrazilInhlangano yezimali: umhlinzeki wethuluzi lokukhokha ngemuva kokukhokhelwa, umthengisi noma umqashi womsebenzi wokukhokhisa (umhlinzeki okhokhelwe ngemuva kokukhokhelwa, umthengisi noma umqashi womsebenzi wokukhokhisa)
    USD 1.8mBRL 9,200,000
  55. Hong KongIlayisense lendawo yokugcina imali (SVF)
    USD 3.2mHKD 25,000,000
  56. South KoreaIsitifiketi sokukhishwa kwemali ye-elekthronikhi
    USD 3.7mKRW 5,000,000,000
  57. United Arab Emirates (onshore)Layisense ye-Stored Value Facilities (SVF)
    USD 4.1mAED 15,000,000

Ayikho i-chart (akukho sithombe esisemthethweni, noma imali engenayo ngaphandle kwesilinganiso sokubhekisisa): I-Isle of Man, Jersey, United Arab Emirates: Abu Dhabi Global Market (ADGM), Australia, Hong Kong, Japan, New Zealand, Philippines, Singapore, Antigua and Barbuda, Argentina, Barbados, Bermuda, Bolivia, Canada, Chile, Curaçao, Dominica, Mexico, Mauritius, Seychelles, South Africa. Bona ikhasi ngalinye lezomthetho.

Izinga eliphansi lemithetho evela kunoma yimuphi umphathi. Liguqulwe kuma- ECB amaphesenti okubonisa noma ama-pegs asemthethweni ka-2026-10-08. Isikali se-log. Lezi yizinkomba eziphansi zomthetho kuphela: umphathi ubeka izimali zebhange ngalinye kufanele zigcine, ngokuvamile phezulu kakhulu, futhi kumele zibe izikweletu ezingenalutho zabasebenzi.

Indlela

Kusuka kuhlelo kuya license.

Ukulandelana okujwayelekile kwelayisense. Inqubo nesikhathi sokusebenza somphathi ngamunye sitholakala kwikhasi lezomthetho.

  1. Imodeli

    Izinsizakalo: i-e-mali, ukudluliswa, ukuthola, ukuqashwa kwediphozithi. Okusho ukuthi EMI noma inkundla yediphozithi, kanye nohlobo lom kapitali.

  2. Ukuvimbela

    Indlela imali yomsebenzisi ekhuselwa ngayo: ama-akhawunti ahlukanisiwe noma inshuwalense, namabhange azozigcina.

  3. Isicelo

    Iphrojekthi yokusebenza, iphrojekthi yebhizinisi, ukuphatha, AML/CFT isakhiwo, ukuphepha kwe-IT kanye nokukhishwa kwangaphandle.

  4. Ilungele futhi ilungile

    Abatshalizimali nabaphathi abafanele bahlolwe.

  5. Ugunyazo

    Ngokuvamile, phakathi kwezinyanga ezintathu zokufaka ifayela eligcwele e-EU; izimemezelo zepasipoti zilandela.

  6. Uhlelo kanye nokungena emigqeni

    Uhlelo lwekhadi lokubhalisa noma BIN ukuxhaswa, ukungena kuhlelo lokukhokha, ama-akhawunti ahambisanayo.

Yini olawulayo ozoyicela

Ihele lohlelo lokusebenza.

  1. 01Programme of operations
  2. 02Uhlelo lwebhizinisi kanye nemali eqale
  3. 03Ukuvikelwa kwezinhlelo
  4. 04Ukulawula nokucaciswa kokulawula ngaphakathi
  5. 05AML/CFT iphrojekthi
  6. 06Inqubomgomo yokuphepha kanye nemithetho ephathelene nezingozi
  7. 07Amadokhumende afanele futhi afanele abaphathi nabanikazi

Phambi kokuba usebenzise

Bona, bese funda.

Umhlahlandlela womthetho · 10 min

Izitifiketi zemali ye-e kanye nezinhlangano zokukhokha

Ukuthi kanjani izinhlangano zemali ye-elekthronikhi yase-EU nezinhlangano zokukhokha zihlukile kumabhange: izimali, ukuvikelwa, abaqondisi, ukudluliswa kwepasipoti kanye nokuhamba PSD3

Umhlahlandlela womthetho · 11 min

Ukulungiswa kwezinkokhelo ze-EU: PSD3, imithetho yezinsizakalo zokukhokha kanye nezimali ezisheshayo

lapho imithetho yezimali ze-EU ibhalwe khona: PSD3 ne-PSR, iMigomo Yokukhokhelwa Ngokusobala, ukuqinisekiswa komuntu okhokhelwe, ubufakazi bokungasebenzi kahle nokukhokhwa kwemali evulekile.

Isichazamazwi · 8 min

I-Correspondent banking icacisiwe

Ama-akhawunti we-Nostro ne-vostro, amabhange aphakathi, SWIFT, ubudlelwano obungangeni, ukuvimbela umngcipheko, nokuthi kungani amabhange amasha ebhekana nokuthola i-USD kanye ne-EUR.

Isichazamazwi · 8 min

Amakhadi nama-rails wokukhokha

Izinhlelo zekhadi, ukukhishwa nokuthola, BIN ukuxhaswa kanye nelungu eliyinhloko, SEPA, izikweletu ezisheshayo, ISO 20022 kanye nokuxazululwa kwesikhathi sangempela.

Inyathelo elilandelayo

Thola i plan yelayisense yecala lakho.

Sizophendula ngemibandela efanele kanye nento olindeleke ukuthi ikhokhwe yinoma iyiphi inhlangano elawulayo.

Thola izinhlelo zelayisenseThengisa zonke izinkantolo