Readiness申请准备清单Readiness Checklist
申请前应先确认Before Filing
- 须在 DIFC 公司注册处注册成立公司
- 外国实体若申请加密相关牌照，须在 2022 年 11 月 1 日前已在受认可司法管辖区持有授权机构资格
- 委任持牌职能人员（SEO、合规主管、MLRO、财务主管等）
- The applicant must be incorporated with the DIFC Registrar of Companies.
- For crypto-related authorisation, a foreign entity must have been authorised in a recognised jurisdiction before 1 November 2022.
- Licensed functions such as SEO, compliance officer, MLRO and finance officer must be appointed.
监管重点Regulatory Focus
- PIB 模块审慎资本与 ICAAP/IRAP
- GEN 模块治理、系统与控制、独立内审职能
- 网络安全保险与专业责任保险
- PIB prudential capital, ICAAP and IRAP requirements.
- GEN governance, systems and controls, and independent internal audit function.
- Cyber insurance and professional indemnity insurance.
交付材料Delivery Workstream
- 类别选择与架构规划、监管业务计划书与财务模型、持牌职能人员配置、DFSA 申请与答询、发牌后合规
- Category selection and structuring, regulatory business plan and financial model, licensed function staffing, DFSA application and responses, and post-licence compliance.
监管机构与法律依据Regulator & Statutory Basis
- 监管机构：迪拜金融服务管理局（Dubai Financial Services Authority, DFSA）
- 法律依据：DIFC Regulatory Law 2004；DFSA Rulebook（GEN, PIB, COB 等模块）
- 数字资产：DIFC 数字资产框架，区分投资代币（Investment Tokens）与加密代币（Crypto Tokens）
- 注意：DFSA 牌照仅适用于 DIFC 自贸区内；迪拜本土及其他自贸区由 VARA 监管
- Regulator: Dubai Financial Services Authority (DFSA).
- Statutory basis: DIFC Regulatory Law 2004 and the DFSA Rulebook, including GEN, PIB and COB modules.
- Digital assets: DIFC digital asset framework distinguishes Investment Tokens and Crypto Tokens.
- Note: DFSA licences apply within the DIFC free zone. Mainland Dubai and other free zones are regulated by VARA for virtual asset activities.
DFSA DIFC Regulatory Law 2004；DFSA Rulebook（GEN, PIB, COB 等模块）DIFC Regulatory Law 2004; DFSA Rulebook including GEN, PIB and COB
适用业务范围Permitted Activities
- 类别 1：接受存款（银行业务）
- 类别 2：自营交易、提供信贷（含自有资金交易加密资产）
- 类别 3A：为他人买卖金融产品（经纪）
- 类别 3B：托管/基金受托人
- 类别 3C：管理客户资产/集合投资基金管理
- 类别 3D：提供货币兑换、转账、支付服务及电子货币机构（EMI）
- 类别 4：安排交易、提供意见
- 类别 5：伊斯兰金融机构（须设 Shari'a 委员会）
- Category 1: Accepting deposits, including banking business.
- Category 2: Dealing as principal and providing credit, including own-account crypto asset trading.
- Category 3A: Dealing in investments as agent, including brokerage.
- Category 3B: Custody and fund trustee activities.
- Category 3C: Managing assets or managing collective investment funds.
- Category 3D: Currency exchange, money transmission, payment services and electronic money institution (EMI) activities.
- Category 4: Arranging deals and advising.
- Category 5: Islamic financial institution, requiring a Shari'a supervisory committee.
申请人资格Applicant Eligibility
- 须在 DIFC 公司注册处注册成立公司
- 外国实体若申请加密相关牌照，须在 2022 年 11 月 1 日前已在受认可司法管辖区持有授权机构资格
- 委任持牌职能人员（SEO、合规主管、MLRO、财务主管等）
- 须委任 DFSA 认可的外部审计师及独立 IT 审计师
- The applicant must be incorporated with the DIFC Registrar of Companies.
- For crypto-related authorisation, a foreign entity must have been authorised in a recognised jurisdiction before 1 November 2022.
- Licensed functions such as SEO, compliance officer, MLRO and finance officer must be appointed.
- A DFSA-approved external auditor and independent IT auditor should be appointed.
资本要求Capital Requirements
- 类别 4：USD 10,000
- 类别 3（3A/3B/3C/3D）：USD 500,000
- 类别 2：USD 2,000,000
- 类别 1：USD 10,000,000
- 类别 5（伊斯兰）：USD 10,000,000 起
- 加密相关业务通常落入类别 2 或 3，须满足额外审慎及保险要求
- Category 4: USD 10,000.
- Category 3, including 3A, 3B, 3C and 3D: USD 500,000.
- Category 2: USD 2,000,000.
- Category 1: USD 10,000,000.
- Category 5 Islamic finance: from USD 10,000,000.
- Crypto-related business usually falls within Category 2 or 3 and may require additional prudential and insurance requirements.
关键合规要求Key Compliance Obligations
- PIB 模块审慎资本与 ICAAP/IRAP
- GEN 模块治理、系统与控制、独立内审职能
- 网络安全保险与专业责任保险
- 完整 AML/CFT 框架
- PIB prudential capital, ICAAP and IRAP requirements.
- GEN governance, systems and controls, and independent internal audit function.
- Cyber insurance and professional indemnity insurance.
- Complete AML/CFT framework.
时间表Timeline
- 一般 6 - 12 个月（含监管业务计划、财务模型、答询）
- Generally 6-12 months, including regulatory business plan, financial model and regulatory questions.
政府收费Government Fees
- 申请费及年费按 DFSA 收费表；额外金融服务每项约 USD 4,000；加密代币交易设施（ATS）年费按日均交易量分级（USD 150k 至 800k）
- Application and annual fees are charged under the DFSA fee schedule. Additional financial services are around USD 4,000 each. Crypto token trading facility (ATS) annual fees are tiered by average daily trading volume, from around USD 150,000 to 800,000.
持续合规义务Ongoing Obligations
- 持续资本充足、定期审计与申报、客户资产分隔（如适用）、重大变动通知
- Continuous capital adequacy, periodic audit and reporting, segregation of client assets where applicable, and material change notifications.
典型申请人画像Typical Applicant Profile
- 机构资管、基金管理人（类别 3C）
- 支付/EMI 机构（类别 3D）
- 加密自营交易/做市机构（类别 2）
- 咨询与安排机构（类别 4）
- Institutional asset managers and fund managers under Category 3C.
- Payment or EMI institutions under Category 3D.
- Crypto proprietary trading or market-making institutions under Category 2.
- Advisory and arranging firms under Category 4.
Spark Advisory 服务范围Our Engagement Scope
- 类别选择与架构规划、监管业务计划书与财务模型、持牌职能人员配置、DFSA 申请与答询、发牌后合规
- Category selection and structuring, regulatory business plan and financial model, licensed function staffing, DFSA application and responses, and post-licence compliance.