Readiness申请准备清单Readiness Checklist
申请前应先确认Before Filing
- 阿联酋本地实体（须有实体办公室）；本地化人员与合规团队
- UAE local entity with physical office, local personnel and compliance team.
监管重点Regulatory Focus
- 完整 AML/CFT、交易监控、制裁筛查、记录保存
- Complete AML/CFT, transaction monitoring, sanctions screening and record retention.
交付材料Delivery Workstream
- 类别选择、资本与场所规划、AML 体系、CBUAE/DED 申请协助
- Category selection, capital and premises planning, AML framework, and CBUAE/DED application support.
监管机构与法律依据Regulator & Statutory Basis
- 阿联酋中央银行（CBUAE）联合迪拜经济发展局（DED）；《换汇业务标准》（Money Exchange Business Standards）
- Central Bank of the UAE (CBUAE) in coordination with Dubai Economy and Tourism/DED; Money Exchange Business Standards.
CBUAE 《换汇业务标准》（Money Exchange Business Standards）Money Exchange Business Standards
适用业务范围Permitted Activities
- Category A：外币买卖
- Category B：外币买卖 + 汇款
- Category C：含薪资保护系统（WPS）服务
- Category A: buying and selling foreign currency.
- Category B: buying and selling foreign currency plus remittance.
- Category C: includes wage protection system (WPS) services.
申请人资格Applicant Eligibility
- 阿联酋本地实体（须有实体办公室）；本地化人员与合规团队
- UAE local entity with physical office, local personnel and compliance team.
资本要求Capital Requirements
- Category A：AED 2,000,000
- Category B：AED 5,000,000
- Category C：更高（以 CBUAE 规则为准）
- Category A: AED 2,000,000.
- Category B: AED 5,000,000.
- Category C: higher, subject to CBUAE rules.
关键合规要求Key Compliance Obligations
- 完整 AML/CFT、交易监控、制裁筛查、记录保存
- Complete AML/CFT, transaction monitoring, sanctions screening and record retention.
时间表Timeline
- 视完备程度而定
- Subject to document readiness.
政府收费Government Fees
- 以 CBUAE/DED 公布为准
- Subject to CBUAE and DED publication.
持续合规义务Ongoing Obligations
- 资本维持、定期申报、AML 合规审视
- Capital maintenance, periodic reporting and AML compliance review.
典型申请人画像Typical Applicant Profile
- 兑换店、汇款公司、薪资发放服务商
- Money exchanges, remittance companies and payroll service providers.
Spark Advisory 服务范围Our Engagement Scope
- 类别选择、资本与场所规划、AML 体系、CBUAE/DED 申请协助
- Category selection, capital and premises planning, AML framework, and CBUAE/DED application support.