Readiness申请准备清单Readiness Checklist
申请前应先确认Before Filing
- 香港注册公司；具备稳健治理与管理团队；委任合规及风险人员
- Hong Kong incorporated company with sound governance and management, and appointed compliance and risk personnel.
监管重点Regulatory Focus
- 储值资金与自有资金分隔保管
- 完整 AML/CFT 框架（AMLO）
- 客户交易记录保存不少于 6 年
- Segregation of stored value funds from own funds.
- Complete AML/CFT framework under AMLO.
- Retention of client transaction records for at least six years.
交付材料Delivery Workstream
- 发牌路径规划、治理与风控框架、AML 体系、HKMA 沟通与申报
- Licensing route planning, governance and risk control framework, AML framework, HKMA communication and filings.
监管机构与法律依据Regulator & Statutory Basis
- HKMA；《支付系统及储值支付工具条例》（PSSVFO, Cap. 584）
- HKMA; Payment Systems and Stored Value Facilities Ordinance (PSSVFO, Cap. 584).
HKMA 《支付系统及储值支付工具条例》（PSSVFO, Cap. 584）Payment Systems and Stored Value Facilities Ordinance (Cap. 584)
适用业务范围Permitted Activities
- 发行及营运多用途储值支付工具（电子钱包、预付卡等）
- 储值与支付结算服务
- Issuing and operating multi-purpose stored value facilities, including e-wallets and prepaid cards.
- Stored value and payment settlement services.
申请人资格Applicant Eligibility
- 香港注册公司；具备稳健治理与管理团队；委任合规及风险人员
- Hong Kong incorporated company with sound governance and management, and appointed compliance and risk personnel.
资本要求Capital Requirements
- 最低缴足股本：不低于 HK$25,000,000
- Minimum paid-up share capital: not less than HKD 25,000,000.
关键合规要求Key Compliance Obligations
- 储值资金与自有资金分隔保管
- 完整 AML/CFT 框架（AMLO）
- 客户交易记录保存不少于 6 年
- 网络安全、风险管理与业务连续性
- Segregation of stored value funds from own funds.
- Complete AML/CFT framework under AMLO.
- Retention of client transaction records for at least six years.
- Cybersecurity, risk management and business continuity.
时间表Timeline
- 准备期 3 - 6 个月；HKMA 审批视申请人完备程度而定
- Preparation: 3-6 months. HKMA approval depends on applicant readiness.
政府收费Government Fees
- 以 HKMA 公布为准
- Subject to HKMA publication.
持续合规义务Ongoing Obligations
- 持续资本维持、定期审计与申报、重大事项通知；牌照一般每 5 - 10 年重新审批
- Continuous capital maintenance, regular audit and reporting, material event notifications, and licence renewal generally every 5-10 years.
典型申请人画像Typical Applicant Profile
- 电子钱包运营商、支付平台、零售集团自有支付工具
- E-wallet operators, payment platforms and retail groups operating their own payment tools.
Spark Advisory 服务范围Our Engagement Scope
- 发牌路径规划、治理与风控框架、AML 体系、HKMA 沟通与申报
- Licensing route planning, governance and risk control framework, AML framework, HKMA communication and filings.