Payment & Banking

香港储值支付工具（Stored Value Facility, SVF）发牌制度由金融管理专员依据香港《支付系统及储值支付工具条例》（第584章）实施。非银行申请人须按实际产品判断是否在香港发行或促进发行多用途SVF，并持续符合主体、主要业务、financial resources、personnel、Float protection、AML/CFT、风险管理和技术安全等要求。 港汇通可按约定范围协助业务定性、申请资料清单、政策文件及查询回复的整理；是否受规管、是否接受申请和是否发牌均由金融管理专员按法例、申请事实及审查结果决定。

Japanese Funds Transfer Industry (FTS) License (also known as Japanese Payment License、Capital Movement Industry Registration、或跨境汇款牌照）是由日本金融厅（FSA）依法规管。近年来《资金结算法》经多轮修订，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。

日本电子结算等代行业（API/EPS）及电子支付手段交易业（EPIESP）受日本金融厅（FSA）及2018年生效的《银行法》严格规管。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。

Japanese money lending and consumer credit license (legal name "Loan Gold Industry Registration"，实务通用简称为 MLA 牌照）由日本金融厅（FSA）及地方财务局依据《贷金业法》规管，And it is subject to industry self-discipline management by the Japan Financial Services Association (JFSA)。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。

Except for the exemptions set out in the Money Lenders Ordinance and its Schedules，Any person carrying on money lender business in Hong Kong must obtain a license。Licensing Tribunal Determination and Licensing，Companies Registry Money Lenders Registry Processing Applications、续期、Endorsement and registration，The police are responsible for investigation and enforcement。Hong Kong Express can assist with data preparation，However, it cannot make decisions on behalf of relevant authorities or guarantee approval.。

Malta Payment Institutions (PI) are authorized and supervised by the Malta Financial Services Authority (MFSA) in accordance with the Financial Institutions Act and applicable EU payment services rules，Can provide approved payment services but cannot issue electronic money。MiCA authorization for crypto-asset companies should not be written as a PI approval case，PI also does not automatically cover stablecoin or crypto asset services。Applicants must prove capital based on actual activities、governance、Malta practical management、Customer fund protection、AML/CFT、ICT and outsourcing arrangements。

The Cyprus Electronic Money Institution (EMI) is authorized and supervised by the Central Bank of Cyprus (CBC) in accordance with the law.。The core legal basis is the Electronic Currency Law of 2012 and 2018 (Law 81(I)/2012) and the Payment Services Act 2018 (Law 31(I)/2018），The EU EMD2 and PSD2 directives have been translated into domestic law。After the approved institution registers with the European Banking Authority (EBA)，Provide electronic money and payment services in accordance with the law within the European Economic Area (EEA)。Statutory application requirements include：35Minimum initial paid-in capital of 10,000 euros、100% Customer fund isolation (Safeguarding) mechanism、Establishing a legal person in Cyprus、Registration and Head Office，and conduct at least part of the electronic money or related payment business locally，At the same time, establish governance and eligibility arrangements that meet CBC requirements.。Cyprus will apply a corporate income tax rate of 15% from January 1, 2026，and supports “EMI + CASP” Dual License Collaborative Architecture。Hong Kong Huitong provides coverage for corporate establishment、Fit & Proper) review coaching、Business operations plan (PoO) compilation and statutory agency services for CBC regulatory interview agents。

Hong Kong Customs supervises money service operators in accordance with the Anti-Money Laundering and Counter-Terrorist Financing Ordinance。Subject to applicable exceptions，Operating currency exchange or remittance services in Hong Kong requires an MSO license。Application subject、premises、fit and proper person、Business plans and AML/CFT controls are reviewed against actual models；Hong Kong Express can assist with data preparation，However, interview arrangements or licensing results cannot be guaranteed.。

Singapore Payment Services License (often called MPI License in the industry)、SPI license、PSA license or DPT crypto license) is regulated by the Monetary Authority of Singapore (MAS) under the Payment Services Act (PSA)。The framework divides the business into standard payment institutions (SPI) and large payment institutions (MPI)。2024 Year 8 Starting from month，MAS implements new review rules，Mandatory submission of professional legal opinions and external independent audit evaluation of DPT business。Access review focuses on local substantive management、authorized capital buffer、Customer fund isolation and anti-money laundering (AML) defense line。Hong Kong Express provides applying entities with coverage of local corporate establishment、Executive fitness review (Fit and Proper)、Issuance of legal opinions、Full-case legal agency services for network security audit and MAS administrative interview coaching。

Kazakhstan Payment Services License (Legal name under the AFSA system is "Money Service Provider MSP"，Under the onshore NBK system, it is legally called a “payment institution”，In practice, they are often collectively referred to as FSP/PSP licenses) and are strictly subject to Kazakhstan’s dual-track financial regulations.。According to current laws and 2024 Year 7 moon 1 effective on 10 resolution，Industry access is subject to statutory paid-in capital (up to 3 billion tenge or 40 An absolute verification red line has been set up in terms of the substantial performance of duties (Fit and Proper) of core executives.。Hong Kong Express provides applicant entities with statutory assessments covering the dual-track structure、Corporate establishment、Full-case legal agency services for executive qualification review and anti-money laundering (AML/CFT) penetrating verification.。