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香港牌照Hong Kong licences
香港牌照清单Hong Kong list 香港稳定币发行人牌照（Specified Stablecoin Issuer）HKMA Specified Stablecoin Issuer Licence香港 SFC 虚拟资产交易平台营运者牌照（VATP）SFC Virtual Asset Trading Platform Operator Licence香港 SFC 第 1 类受规管活动牌照（证券交易）SFC Type 1 - Dealing in Securities香港 SFC 第 4 类受规管活动牌照（就证券提供意见）SFC Type 4 - Advising on Securities香港 SFC 第 9 类受规管活动牌照（资产管理）SFC Type 9 - Asset Management香港储值支付工具牌照（SVF）HKMA Stored Value Facility Licence香港金钱服务经营者牌照（MSO）Money Service Operator Licence香港信托或公司服务提供者牌照（TCSP）Trust or Company Service Provider Licence香港放债人牌照（Money Lender）Money Lenders Licence
阿联酋牌照UAE licences
阿联酋牌照清单UAE list 迪拜 VARA 虚拟资产服务提供商牌照（VASP）Dubai VARA Virtual Asset Service Provider Licence迪拜 VARA 虚拟资产发行人（含 FRVA / ARVA）VARA Virtual Asset Issuance LicenceDIFC DFSA 金融服务牌照DIFC DFSA Financial Services Licence阿布扎比 ADGM FSRA 金融服务牌照ADGM FSRA Financial Services Permission阿联酋 CMA 联邦证券与商品牌照UAE CMA Securities and Commodities Licence阿联酋央行零售支付服务牌照（RPSR）CBUAE Retail Payment Services Licence迪拜/阿联酋换汇店牌照（Money Exchange）CBUAE Money Exchange Business Licence阿联酋自贸区商业牌照（DMCC / IFZA / DAFZA 等）UAE Free Zone Commercial Licence
其他司法管辖区Other jurisdictions
其他司法管辖区清单Other list 新加坡 MAS 支付、资本市场与财务顾问牌照Singapore MAS Payment, Capital Markets and Financial Advisory Licences开曼群岛 VASP、基金与离岸架构Cayman Islands VASP, Funds and Offshore Structuring立陶宛 MiCAR CASP 与 EMI 牌照路径Lithuania MiCAR CASP and EMI Licensing Pathway南非 FSCA FSP / Crypto Asset Service ProviderSouth Africa FSCA FSP / Crypto Asset Service Provider
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Licence阿联酋UAE

阿联酋央行零售支付服务牌照（RPSR）CBUAE Retail Payment Services Licence

Central Bank of the UAE – Retail Payment Services and Card SchemesCentral Bank of the UAE – Retail Payment Services and Card Schemes

Key Facts申请情报Application Intelligence

监管机构Regulator CBUAECBUAE
法律依据Statutory Basis Retail Payment Services and Card Schemes Regulation, Circular 15/2021Retail Payment Services and Card Schemes Regulation, Circular 15/2021
典型时间表Typical Timeline 视类别与完备程度而定Subject to category and document readiness.
资本/财务资源Capital / Financial Resources 按支付服务类别分级（以 CBUAE 规则为准）Tiered by payment service category, subject to CBUAE rules.
政府收费Government Fees 以 CBUAE 公布为准Subject to CBUAE publication.
适合申请人Best-fit Applicants 支付服务商（PSP）、电子货币机构、收单机构、汇款公司、支付代币发行方Payment service providers, electronic money institutions, acquirers, remittance companies and payment token issuers.
01

业务边界Perimeter

支付账户发行与支付工具（含储值工具 SVF）Payment account issuance and payment instruments, including stored value facilities.

02

主体与人员Entity & People

阿联酋注册实体；本地治理与合规团队；技术与风控能力UAE registered entity, local governance and compliance team, and technology and risk control capability.

03

资本与系统Capital & Systems

按支付服务类别分级（以 CBUAE 规则为准）Tiered by payment service category, subject to CBUAE rules.

04

申请材料Application Pack

支付牌照类别规划、合规与风控框架、CBUAE 申请协助Payment licence category planning, compliance and risk control framework, and CBUAE application support.

05

持续合规Ongoing Compliance

资本与流动性维持、申报、重大变动通知Capital and liquidity maintenance, reporting and material change notifications.

Readiness申请准备清单Readiness Checklist

申请前应先确认Before Filing

  • 阿联酋注册实体；本地治理与合规团队；技术与风控能力
  • UAE registered entity, local governance and compliance team, and technology and risk control capability.

监管重点Regulatory Focus

  • 客户资金分隔保管、AML/CFT、网络安全与运营韧性、数据保护
  • Segregation of client funds, AML/CFT, cybersecurity and operational resilience, and data protection.

交付材料Delivery Workstream

  • 支付牌照类别规划、合规与风控框架、CBUAE 申请协助
  • Payment licence category planning, compliance and risk control framework, and CBUAE application support.
①

监管机构与法律依据Regulator & Statutory Basis

  • 阿联酋中央银行（Central Bank of the UAE, CBUAE）；《零售支付服务及卡计划监管规则》（Retail Payment Services and Card Schemes Regulation, Circular 15/2021）
  • Central Bank of the UAE (CBUAE); Retail Payment Services and Card Schemes Regulation, Circular 15/2021.
CBUAE Retail Payment Services and Card Schemes Regulation, Circular 15/2021Retail Payment Services and Card Schemes Regulation, Circular 15/2021
②

适用业务范围Permitted Activities

  • 支付账户发行与支付工具（含储值工具 SVF）
  • 支付交易处理、商户收单
  • 国内/跨境汇款、Open Finance 服务
  • 支付代币（Payment Token Services, PTSR）
  • Payment account issuance and payment instruments, including stored value facilities.
  • Payment transaction processing and merchant acquiring.
  • Domestic and cross-border remittance and Open Finance services.
  • Payment token services under the payment token services framework.
③

申请人资格Applicant Eligibility

  • 阿联酋注册实体；本地治理与合规团队；技术与风控能力
  • UAE registered entity, local governance and compliance team, and technology and risk control capability.
④

资本要求Capital Requirements

  • 按支付服务类别分级（以 CBUAE 规则为准）
  • Tiered by payment service category, subject to CBUAE rules.
⑤

关键合规要求Key Compliance Obligations

  • 客户资金分隔保管、AML/CFT、网络安全与运营韧性、数据保护
  • Segregation of client funds, AML/CFT, cybersecurity and operational resilience, and data protection.
⑥

时间表Timeline

  • 视类别与完备程度而定
  • Subject to category and document readiness.
⑦

政府收费Government Fees

  • 以 CBUAE 公布为准
  • Subject to CBUAE publication.
⑧

持续合规义务Ongoing Obligations

  • 资本与流动性维持、申报、重大变动通知
  • Capital and liquidity maintenance, reporting and material change notifications.
⑨

典型申请人画像Typical Applicant Profile

  • 支付服务商（PSP）、电子货币机构、收单机构、汇款公司、支付代币发行方
  • Payment service providers, electronic money institutions, acquirers, remittance companies and payment token issuers.
⑩

Spark Advisory 服务范围Our Engagement Scope

  • 支付牌照类别规划、合规与风控框架、CBUAE 申请协助
  • Payment licence category planning, compliance and risk control framework, and CBUAE application support.