1. [Core business advantages and extremely low threshold] to obtain the Comoros offshore financial license
Free of physical office and personnel compulsory
Laws are extremely lax，There is no requirement to have a local physical office or hire any local staff。Applicants do not even need to go to the local area to obtain a banking license，Completely eliminating the rigid expenditure of local operation and maintenance。
Extremely low statutory reserves
Compared with other offshore island countries, the threshold is often millions of dollars.，Applyanjouan islandOffshore banking license，Just deposit at the central bank 10,000 U.S. dollars as legal reserves，Very low capital usage。
Application materials and review by competent authorities
The competent authority will, based on the identity of the applicant、资金安排、managers、商业计划及合规制度进行审查；所需资料和办理时间应以申请时的现行规则为准。
Compatible with crypto assets and DeFi
moheli island MISA restricted banking license issued，Explicitly allow tech finance companies to register as international business companies，Legally absorb usersCryptoassetsand legal tender。
2. Financial licenses for the two autonomous islands of Comoros：Anjouan Banking License vs Moheli Brokerage License
| review elements | anjouan island (Anjouan)：Offshore banking license | moheli island (Flame/Moheli)：International Brokerage and Banking License |
|---|---|---|
| Statutory license type | CLASS B (Class B) offshore banking license。(Note：Class A licenses are reserved only for Comorian onshore banks)。 | International Brokerage and Clearing House License (International Brokerage and Clearing House License)；restricted banking license (Restricted Banking License)。 |
| Authorize business permissions | Unrestricted comprehensive license。Allows the taking of deposits from the public globally (non-comoros)、Providing trust management and various conventional banksfinancial services。 | 适用于外汇和 CFD 经纪商；受限银行牌照则允许机构吸收用户的加密资产和法定货币（涉足 DeFi 领域）。 |
| Licensing and Regulatory Agencies | Anjouan Island Offshore Financial Bureau and Anjouan Central Bank (Bank of Anjouan)。 | Moheli International Services Authority (MISA)。Regulated under the International Business Companies Act 2014 and the Brokers Act 2013。 |
3. [Government Fees and Fund Details] for the offshore banking license of Anjouan Island, Comoros
| Funding and Expense Categories | Legal requirements and official standard amounts (USD) |
|---|---|
| statutory central bank reserves | Mandatory deposit must be made to an account at the Bank of Anjouan 10,000 Dollar，as legal reserve。 |
| Annual license maintenance fee | The official annual base license fee is 17,000 Dollar。 |
| ready bank acquisition (Ready-made banks) | There are usually "ready-made banks" that have been legally registered but not actually operated in the market for direct purchase.。Customers can directly purchase their equity with full capital，Take over immediately，Save time waiting for approval，The specific price depends on the subject matter。 |
4. [Core KYC and AML Due Diligence Checklist] Submitted to the Regulatory Authority
| Review object | Legal requirements and details of submission materials |
|---|---|
| natural person (Directors and officers) | A valid passport must be submitted、National ID card or driving license；recently 3 to 6 Proof of residential address within 3 months (e.g. utility bill、bank statement)；and a police clearance certificate from the local police station。 |
| Legal Person/Corporate Entity (controlling party) | Submit Certificate of Incorporation、Articles of Association、business license；Directors and major shareholders (shareholdings 10% Proof of identity and address (above)；Clear proof of source of funds or wealth must be provided。 |
| Compliance andAnti-money launderingReport | Financial institutions must submit anti-money laundering (AML) and counter-terrorism financing (CTF) internal enforcement manuals，Declaration of strict compliance with relevant KYC control terms。 |
5. Comoros offshore financial application and compliance verification process
step 1：Establish structure and prepare minimalist information
Determine whether to set up a bank in Anjouan or an international brokerage company in Moheli。Collect a copy of the applicant’s passport and a certificate of no criminal record。
step 2：Corporate establishment and application submission
Register an international business company entity on the autonomous island。Officially submit the license application and KYC due diligence information to the Anjouan Offshore Financial Agency or Moheli MISA。
step 3：Pay statutory reserves and fees
Deposit with the Bank of Anjouan 10,000 U.S. dollar legal reserves，and pay the first-year government license fee。
Step 4：主管机关审查与决定
主管机关将核查申请材料、资金安排、管理人员及合规制度，并独立决定是否批准。具体许可名称、范围及效力应以正式批文为准。
step 5：Business start-up and compliance response
Licensed institutions can start business globally。Ganghuitong will assist you in establishing an AML/CFT internal control system that complies with international standards.，To cope with regulatory inspections in subsequent operations。
6. Comoros offshore finance 2025 [Compliance upgrade and jurisdictional considerations]
Jurisdictional background of federation and self-governing islands：The federal government of Comoros and the autonomous islands (Anjouan、Moheli) Historical differences over jurisdiction over offshore finance，The Federal Central Bank (BCC) had objections to the independent licensing of autonomous islands。This means that businesses must operate with a high level of legal isolation。
2025New Anti-Money Laundering Law promulgated：With support from the World Bank，The Comoros Parliament 2025 Year 7 The new "AML/CFT Law" was officially promulgated in March。Regulation at the federal level is tightening across the board，The early "zero supervision" status has changed。
MISA territorial compliance upgrade：Moheli MISA has required all licensed institutions to strictly comply with the 2014 Amendment to the Anti-Money Laundering Act，Enforce KYC policies for individuals and legal entities。
后续运营、反洗钱制度、银行开户及跨境服务范围仍须接受独立审查。港汇通可协助准备AML/CFT制度与尽调材料，但不能替代主管机关、银行或目标市场监管机构的判断。
7. Hong Kong Huitong's one-stop Comoros offshore banking and financial license agency service
Autonomous Island Corporation Establishment and License Application
协助在安茹安岛或莫埃利岛准备公司设立、Proof of identity、No criminal record、商业计划及合规文件，并核对拟申请许可的主管机关、法律依据和业务范围。
response 2025 New AML regulations drafted
Facing the newly promulgated "AML/CFT Law" of the Federation of Comoros，资深合规顾问为您量身定做符合国际标准的内部反洗钱及 KYC 操作手册，Isolate jurisdictional compliance risks to the greatest extent。
Ready-made offshore bank acquisition and central bank docking
Provide absolutely clean "ready-made banks" acquisition due diligence services。Assistance in the completion of the Central Bank of Anjouen 1 Legal reserve payment of US$10,000，Ensure the smooth delivery of bank licenses。
8. Comoros Mwali/Anjouan Offshore Banking License Core Legal and Practical Questions and Answers (FAQ)
Comoros’ offshore financial licenses are governed separately by its highly autonomous islands。安茹安岛（Anjouan）主要负责颁发CLASS B（B类）离岸银行许可；Mwali/Moheli is responsible for issuing international brokerage and clearing house licenses by its International Services Authority (MISA)，and restricted banking license。
CLASS B is an unlimited comprehensive offshore license (Class A is reserved only for Comoros onshore banks)。It legally allows licensed institutions to accept deposits from the public globally (non-comoros)、Provide trust asset management and carry out various conventional bank-level financial derivative services。
totally ok。The Restricted Banking License issued by MISA explicitly allows technology companies to absorb users’ crypto assets and fiat currencies，Thus legally entering the field of decentralized finance (DeFi)，For example, the operating entity of Yield App, a well-known asset management platform, holds this license.。
安茹安岛相关资本及准备金要求须以主管机关现行规定和独立法律意见为准。Applicants must make a deposit at the Bank of Anjouan only 10,000 U.S. dollars as legal reserves。also，The annual official government license maintenance fee is fixed at 17,000 Dollar。besides，The law does not require any local entity to contribute capital。
The application conditions are the most relaxed in the world。Applicants absolutely do not need to go to the local area in person，And there is no legal requirement to set up a physical office or hire employees locally。Usually only two core documents need to be submitted：Copy of passport of director/shareholder，and a certificate of no criminal record issued by the local police station (fax copies are also acceptable)。
Yes。In the Comoros offshore market，There are usually many companies that have been legally registered and hold CLASS B licenses，“Ready-made banks” that have never actually taken deposits or operated。Customers can directly purchase the equity of these shell banks with full capital，Take over immediately，Eliminate the time waiting for approval。
This is a jurisdictional issue that needs to be paid attention to when operating locally。There are certain differences between the Comoros Federal Government (Union) and the autonomous islands on offshore financial jurisdiction.。The Bundesbank (BCC) has issued compliance warnings to offshore banks that have not been recommended by it。Therefore, companies need professional agencies to build a strict legal isolation and compliance system.。
Driven by the World Bank and the West African Group Against Money Laundering (GIABA)，The Comoros Parliament 2025 Year 7 The new federal Anti-Money Laundering/Combating the Financing of Terrorism Law that complies with international standards was officially promulgated in March。This legislation marks the end of the early years of "zero regulation"，Offshore centers will face more stringent penetrating compliance constraints。
Moheli MISA has begun tightening compliance framework。All financial institutions currently holding Mwali licenses，All must strictly comply with the Anti-Money Laundering Act 2014 and its amendments issued by MISA。Licensees must enforce strict KYC (Know Your Customer) policies and fund monitoring for all natural persons (provide passport/proof of address) and legal entities (provide articles of incorporation/source of funds)。
Hong Kong Huitong provides accurate full-case agency。We handle the simple submission of passports and non-criminal certificates，Assist in the rapid issuance of offshore banks and licenses。The most important thing is，我们的资深合规顾问将依据 2025 new federal law，Tailor-made internal KYC and anti-money laundering operation manuals that comply with international standards，Safeguard your subsequent cross-border business expansion。
