1. Anjouan (Anjouan) [Statutory business and tax advantages] of an international banking license
Statutory tax exemptions
Exemption from corporate income tax for offshore businesses (10% only for local businesses)，Dividend tax 0%、Capital gains tax 0%，And no value added tax (VAT)。
Global remote operations
Business can be carried out for global customers，No geographical restrictions。There is no legal requirement to establish a local physical office，Support comprehensive remote operations。
Very fast approval cycle
The overall approval cycle is significantly shorter than traditionalbank licenseJurisdiction。After submitting your complete application package，The official review stage only takes 3-4 weeks，The overall license cycle is about 6-8 weeks。
Compliance access to crypto assets
Support digital asset services。When explicitly authorized in the business plan，Can legally operate legal currency andcryptocurrencyHybrid multi-asset wallet、Stablecoin payment and asset tokenization。
2. international banking license (Class A) [Statutory business scope and capital]
| Review feature categories | Legal requirements and business authority definition |
|---|---|
| Core banking permissions | Allows acceptance of global customer deposits (savings、current、regular)；Provide multi-currency accounts and IBAN services；grant loans、Lines of Credit and Trade Finance；Make international transfers andCross-border payment；Issue debit card、Credit cards and virtual cards。 |
| digital bankingand financial technology | Allow full online banking operations (Neobank)、E-wallets and mobile banking、API open bankinginterface，As well as virtual accounts and white label BaaS solutions。 |
| Legal minimum registered capital | The minimum registered capital requirement is 500,000 Dollar (USD)。Capital must be legal funds，Bank deposit certificate required，And fully used to maintain daily operations and risk reserves。 |
| Shareholdings and Qualifications of Shareholders | At least 1 natural person or legal person shareholder，Can be held by overseas legal persons 100% Equity。Shareholders must have good business reputation and financial background，No criminal or bankruptcy record。 |
3. [Corporate governance structure and senior management staffing] for international banking licenses
Board of Directors (Board of Directors)：At least 2 natural person members。Must have finance、Banking or management background，Responsible for major strategic and risk decisions。
senior management (Senior Management)：Must include Chief Executive Officer (CEO)、Compliance Officer (CO)、Risk Officer (CRO)、Chief Financial Officer (CFO)，With accounting/auditing qualifications)、IT Director (CTO)。
Compliance and Anti-Money Laundering Specialist：A compliance officer familiar with the AML/CFT framework and with regulatory experience must be appointed，and Anti-Money Laundering Reporting Officer (MLRO)，Can concurrently serve as compliance officer)。
Operations Manager (Operations Head)：Must have bank backend operations experience，Ensure daily liquidation and accounting management。
internal audit function (Internal Audit)：Compliance and risk systems must be reviewed regularly，Issue an independent report to the Board of Directors and AFSA。
4. Submit to Anjouan Offshore Finance Authority (AFSA) [Core review document list]
| File category | Submission details for statutory requirements |
|---|---|
| Executive personal and due diligence documents | Passport and proof of address for each director/shareholder；Certificate of no criminal record (notarized)；Bank credit certificate；Resume and academic certificates；KYC Questionnaire and Funding Source Statement。 |
| Business and Financial Planning | detailedbusiness plan（Business Plan）；Financial forecast three-year model；corporate governanceStructure and function allocation chart。 |
| Compliance and Cybersecurity Architecture | Anti-Money Laundering and Counter-Terrorism Financing (AML/CFT) Policy Document；Information system security strategy (such as adopting a digital banking model)。 |
5. Anjouan International Bank License [Statutory Application and Speedy Approval Process]
Stage one：Preliminary preparation (1week)
Complete architectural structure design and personal file collection，Prepare business plan and AML compliance policy documents。
Stage 2：Formal application (1week)
Complete company registration，Get a registration certificate、MOA&AOA。Formal submission of complete application package to AFSA。
Stage three：review stage (3-4week)
AFSA conducts background checks、Fund legality verification、Regulatory inquiries and internal compliance program reviews。
Stage four：License Approval (1week)
After passing the review and paying government fees,，Officially issued a Class A international banking license (the overall license takes approximately 6-8 week，Right now 1.5-2 months)。
Stage five：System integration and technology launch (4week)
Connect core banking systems and compliance software，Completed the construction of the technical environment (the overall official launch totaled approximately 1-2 months)。
6. Bank license daily compliance、Annual review declaration and [license renewal requirements]
Annual mandatory audit and reporting：once a year，Audited financial statements must be signed by a recognized accountant，and submit an annual report containing audited financial statements and operating summary。
AML Semi-Annual Compliance Report：Once every six months，Suspicious Transaction Report (STR) statistics and customer review reports must be submitted to regulatory authorities。
Corporate Governance and Employee Training：The board of directors must meet quarterly to review financial and risk matters；AML and compliance awareness education training for employees must be organized twice a year。
Annual license renewal and fee settlement：The license is valid for 1 year，Automatically renew every year。Renewal requires submission of annual audit report、Declaration of compliance and payment on time 10,000 USD annual fee and 10,000 USD regulatory fees。
7. Anjouan International Bank License [Government Fees and Total Budget Details]
| Charge or operation category | Statutory fees and total market budget (USD) |
|---|---|
| Upfront government license fee | Government application fee 15,000 USD；License issuance fee 5,000 USD。 |
| annual government maintenance fee | annual supervision fee 10,000 USD；Annual renewal fee 10,000 USD。 |
| Agency services and overall budget | Hong Kong Huitong full case agency service fee (including full consultant、Compliance document writing、Executive affiliation and interview guidance) starting price is 360,000 USD。It is estimated that the total budget for the overall implementation of the customer is 400,000 – 500,000 USD between。 |
8. Hong Kong Huitong's one-stop Anjouan international banking license legal agency service
Corporate establishment and personnel allocation
Assistance with company registration in Anjouan。Provide professional executive affiliation and personnel structure construction，Ensure C.E.O.、Compliance officer、Key functions such as MLRO and CFO meetregulatory requirements。
Business plan and legal drafting
write detailed 3 Annual financial forecast and business plan，Prepare AML/CFT operation manual and information system security strategy that are fully compliant with AFSA standards。
Official application and full agency
Notarization of personal criminal record。Fully authorized to submit information to AFSA on behalf of the applicant and handle compliance defense，make sure 6-8 Complete the rapid betting within a week。
9. Anjouan International Banking Regulatory License Core Legal Questions and Answers (FAQ)
2002-2005self-government legislative period recognized by the constitution，The Anjouan Parliament enacted comprehensive offshore financial regulations including the International Banking Code，The Offshore Financial Agency (AOFA/AFSA) was officially established，Have complete democratic legitimacy under the constitutional framework。
In terms of tax structure，Offshore business is completely exempt from corporate income tax (local business is subject to 10%)。at the same time，Dividend tax for licensed institutions is 0%、Capital gains tax is 0%，And no value added tax (VAT)，Guaranteeing a high degree of freedom in capital flow and profit accumulation。
Mainly issues Class A Banking License (international banking license)。The license is subdivided in the International Banking Act 2005 into Category I (Class I) for general non-residents and Category II (Class II) for specific non-residents subject to prior regulatory approval.。
Authorized to carry out a wide range of core banking activities，Covers taking deposits from global customers、Provide multi-currency accounts and IBAN services、Loans and trade finance、Carry out international transfers and cross-border payments，Also supports full online digital bank (Neobank) operations。
The licensing framework fully supports cryptocurrency and Web3 businesses。After the licensed institution makes a special description in the business plan and obtains prior written authorization from the regulator，Multi-asset wallet operations can be carried out legally、Digital asset custody and stable currency payment services。
The statutory minimum registered capital and paid-in capital requirements are US$500,000。This capital must be legal funds，Applicants must provide bank deposit certificate，The entire amount is used to maintain the bank’s daily operations and risk reserves.。
The board of directors must consist of at least 2 natural persons with banking or financial backgrounds。Senior management must assign a Chief Executive Officer (CEO)、Compliance Officer (CO)、Anti-Money Laundering Reporting Officer (MLRO)、Risk officer (CRO) and legally qualified financial officer (CFO)。
All executives must submit their passports、Proof of address、Notarized certificate of no criminal record、Bank credit certificate。For compliance, a three-year business plan must be submitted、Financial forecasting model and anti-money laundering and counter-terrorism financing policy (AML/CFT Policy) benchmarked against international standards。
The overall standards approval cycle is extremely efficient，Usually only 6 to 8 weeks。1 week of preliminary architectural design and material preparation，It will take 3-4 weeks after submission to undergo regulatory inquiries and compliance review.，The final approval and issuance of the license only takes 1 week。System integration and go-live require an additional 4 weeks。
Statutory government fees include：Application fee USD 15,000、License issuance fee $5,000、Annual supervision fee of $10,000、Annual renewal fee $10,000。Hong Kong Huitong's full case agency service fee starts from US$360,000，The total budget is expected to be approximately $400,000 to $500,000。
Audited financial statements and operating summary signed by a recognized accountant must be submitted annually；AML compliance declarations and suspicious transaction report (STR) statistics must be submitted to regulatory authorities every six months；Employee AML compliance training needs to be held twice a year。
The license is valid for 1 year，Automatically renew every year。Licensed institutions must pay in full the annual license renewal fee of US$10,000 and the annual regulatory fee of US$10,000 on the anniversary date，and prove to the regulatory agency that it has effectively fulfilled its audit and ongoing compliance obligations for the previous year.。
Affected by the attitude of the Federal Bank of Comoros and global “de-risking”，Mainstream banks in the first tier of Europe and America (Tier 1) may have a conservative attitude towards opening agency bank accounts with this license.。In practice，This architecture is more suitable for docking with Asia、Tier 2 clearing networks or third-party payment service providers (PSPs) such as Africa。
