Payment & Banking

Japanese Funds Transfer Industry (FTS) License (also known as Japanese Payment License、Capital Movement Industry Registration、or cross-border remittance license) is issued by<a href="https://www.fsa.go.jp/" rel="nofollow">Japan Financial Services Agency (FSA)</a>Manage according to laws。in recent years<a href="https://laws.e-gov.go.jp/law/421AC0000000059" rel="nofollow">"Fund Settlement Law"</a>After many rounds of revisions，Digital wages have been officially lifted，and fully incorporate cross-border collection agency business into the regulatory system。Hong Kong Express provides applying entities with coverage of local corporate establishment、Fund preservation (Safeguarding) structure construction、Full-case legal compliance agency services for executive qualification review and anti-money laundering (AML/CFT) system implementation。

Japan's electronic settlement and other agency industries (API/EPS) and electronic payment means trading industry (EPIESP) are affected by<a href="https://www.fsa.go.jp/index.html">Japan Financial Services Agency (FSA)</a>and the strict regulation of the Banking Law that came into effect in 2018。The core function of this license is to allow non-bank third-party institutions (such as FinTech companies) to，Through API (application programming interface) and other technical means，Securely connect to banking systems，Execute asset inquiries or transfer instructions on behalf of users。Hong Kong Express provides application entities with coverage of local corporate establishment (KK)、Legal isolation of client funds、Full-case legal compliance and implementation agency services for executive fitness (Fit and Proper) review and anti-money laundering (AML/CFT) framework construction。<br /> <br />  

Japanese money lending and consumer credit license (legal name "Loan Gold Industry Registration"，Commonly referred to as MLA license in practice)<a href="https://www.fsa.go.jp/ordinary/kensaku/" rel="nofollow">Japan Financial Services Agency (FSA)</a>and regulated by the local finance bureau in accordance with the "Gold Loan Industry Law"，And accept<a href="https://www.j-fsa.or.jp/" rel="nofollow">Japan Financial Services Association (JFSA)</a>Carry out industry self-discipline management。Approved "loan operators" are legally entitled to provide consumer credit、Corporate finance and secured loan franchises。Unified substantive access standards apply to applications by foreign-invested entities，However, special procedures apply to identity and nationality verification and overseas criminal penetration review.。Hong Kong Express provides applying entities with coverage of Japanese corporate establishment、5000Ten thousand yen net assets compliance capital verification、Daily processing of foreigners’ alternative affidavits and residence status materials、Full-case legal compliance agency services for the implementation of anti-money laundering (AML/CFT) system。

Carrying out any form of money lending business in Hong Kong，must be subject to<a href="https://www.elegislation.gov.hk/hk/cap163?_lang=sc" rel="nofollow">Money Lenders Ordinance (Chapter 163)</a>Regulate and apply for licenses。Ganghuitong provides you with company registration、Local Personnel and Premises Configuration，One-stop licensing compliance services including document preparation and response to police and court review。

Anjouan belongs to the Union of the Comoros。During the constitutionally recognized legislative window period of autonomy from 2002 to 2005，Anjouan Parliament enacts legislation covering the Offshore Financial Services Agency(Act 003/2005)、International Banking Law(Act 005/2005)and the Anti-Money Laundering Act(Act 008/2005)Complete offshore financial regulations including，Anjouan Offshore Financial Agency (AOFA/AFSA) was officially established。Class A international banking license issued by this jurisdiction，Exemption from corporate income tax for offshore operations、Dividend tax and capital gains tax。License allows for taking global deposits、Multi-currency account、Cross-border payment and digital bank (Neobank) operations，And can legally carry out crypto-asset and stablecoin payment services after obtaining written authorization.。Hong Kong Huitong provides you with everything from corporate establishment to、Executive background checks、Full legal agency services from compliance document writing to handling AFSA review。

The Lithuanian Electronic Money Institution (EMI) license is reviewed and supervised by the Central Bank of Lithuania (BoL) in accordance with the law。After the licensed institution completes the notification procedure to BoL，Available at 27 EU and European Economic Area (EEA) member states legally carry out electronic currency issuance、Services such as payment accounts and SEPA transfers。Statutory application requirements include：35Minimum paid-in capital of 10,000 euros、100% Customer funds physical isolation (Safeguarding) mechanism、Setting up a local limited liability company (UAB)，and localization of senior management (core directors must be resident in the EEA)。at present，Includes Paytend、A number of overseas Chinese companies, including IBS (International Business Settlement), have successfully obtained the license and established European business hubs here.。Hong Kong Huitong provides coverage for Lithuanian corporate establishment、Penetrating due diligence counseling for important shareholders、Legal agency services for business plan preparation and BoL regulatory interview agency。

Application and operation of international banking license in Saint Vincent and the Grenadines (SVG)，Strictly governed by the International Banks Act 2004 and the regulatory guidelines of the Financial Services Authority (FSA)。The license is divided into Class A full license and Class B restricted license，Licensed institutions must meet the “non-resident” red line，Enjoy exemption from income tax、Statutory exemptions from capital gains tax and stamp duty，and are completely exempt from the SVG "Exchange Control Act"，Can legally carry out multi-currency foreign exchange business。The applicant organization must establish a substantial business location within the territory of SVG，maintain 50 Wanzhi 100 US$10,000 of paid-in capital，and equipped with local resident directors and senior executives.。Hong Kong Huitong provides you with coverage of corporate establishment、Preparation of executive fitness (Fit and Proper) review materials、Legal agency services for business plan writing and FSA license application。

The Polish Electronic Money Institution (EMI) is regulated by the Polish Financial Supervisory Authority (KNF) and the European Union’s Electronic Money Directive.(EMD2) and "Payment Services Directive"(PSD2) Framework supervision。Fully functional EMI license allows issuance of e-money、Provide payment account、Card issuance and cross-border settlement services，And through the EU passport mechanism, you can legally operate in any EU/EEA member country。Applicants must meet 35 Initial paid-in capital of 10,000 euros、Legal requirements for physical segregation of client funds (Safeguarding) and localization of senior executives。along with 2025 EU’s Cryptoasset Market Regulation(MiCA) Fully implemented，Polish EMI must adopt a "dual-entity isolation architecture" to comply with the Web3 legal currency deposit and withdrawal business。Hong Kong Huitong provides coverage for the establishment of Polish corporations、Fit & Proper) review coaching、Business plan compilation and full legal agency services for KNF supervisory interview agency。

Offshore banking in Vanuatu is strictly regulated by the Reserve Bank of Vanuatu (RBV)。According to the International Banking Law，RBV issues international (offshore) banking licenses to qualified locally registered entities or foreign bank branches in accordance with the law。Licensed institutions are strictly restricted to providing financial services to non-resident customers outside Vanuatu.，but also enjoys exemption from income tax、Statutory absolute exemption from capital gains tax and stamp duty。2023-2024years，RBV is comprehensively upgrading prudential supervision guidance，to meet Basel III (Basel III) and IFRS 9 compliance requirements。Faced with increasingly stringent physical presence (Physical Presence) red lines and anti-money laundering (AML/CTF) penetration inspections，Hong Kong Huitong provides you with everything from corporate establishment to、Executive Fit and Proper Due Diligence、Business and risk control white paper writing，To provide statutory agency services that fully respond to RBV’s months-long in-depth review。

The Luxembourg Electronic Money Institution (EMI) license is reviewed by the Luxembourg Commission de Surveillance du Financier (CSSF)，Luxembourg Ministry of Finance final approval for licensing。The license is based on Luxembourg’s Payment Services Law (PSL) of November 10, 2009 and the European Union’s Electronic Money Directive (EMD2)。Licensed institutions are allowed to issue electronic currencies and provide payment services in the European Economic Area (EEA)。Statutory application requirements include：35Initial paid-in capital of 10,000 euros、100%Customer funds physical isolation (Safeguarding) mechanism、Substantial local operation (including physical office and at least 5 local employees)，and compliance with the EU Digital Operations Resilience Act (DORA)。Hong Kong Huitong provides coverage for Luxembourg SA corporate establishment、Executive fitness (Fit & Proper) review material preparation and statutory agency services of CSSF regulatory interview agency。