Payment & Banking

Georgia Payment Service Provider (PSP) and Electronic Money Institution (EMI) License (also commonly referred to as Payment Institution License in statutory classification and practice、Payment system provider license or financial company license) is legally regulated by the National Bank of Georgia (NBG)。Authorization to legally conduct digital payment settlements、Fund remittance and electronic money issuance business franchise。The core statutory advantage of this license is the concession tax exemption policy：If a licensed entity is legally granted “virtual regional entity” status，The digital financial services exported overseas are applicable to 0% corporate income tax rate。Hong Kong Huitong provides registration from local entities、Notarization of a complete set of foreign documents，Go to the internal compliance system to build a special legal agency plan that interfaces with regulatory agencies，Ensure the legal implementation of the project。

in the united states，Money services business (MSB) regulation is divided into two levels: federal and state。At the federal level, the Financial Crimes Enforcement Agency (FinCEN) under the U.S. Department of the Treasury is responsible for registration and anti-money laundering supervision.；At the state level, state financial regulators are responsible for issuing Money Transmitter Licenses (Money Transmitter Licenses)., MTL) license。Engage in cryptocurrency and other related businesses，Must first apply for an MSB license at the federal level as a filing，Then apply separately for MTL licenses from each state，Only in order to legally carry out transactions involving legal currency、Financial services such as virtual currency transactions and fund transfers。Hong Kong Huitong provides you with the establishment of local companies in the United States、Full-process legal representation services from federal MSB filing to state MTL license application。

<p>美国财政部下设的<a href="https://www.fincen.gov/" target="_blank" rel="nofollow noopener">金融犯罪执法局（FinCEN）</a>At 1990 Founded in。With the rise of digital assets，FinCEN at 2013 Year 3 moon 18 "Virtual Currency Management" released、Exchange or Usage Guide》，Officially bringing digital asset “managers” and “exchangers” that provide services to Americans into the MSB (money services business) federal regulatory system。The US MSB license is Coinbase、Binance、Standard compliance qualifications for global first-tier digital currency trading institutions such as Huobi，Enjoys high international recognition，and has no margin、No monthly fee、Advantages of placing cards extremely quickly。If it is necessary to further comprehensively carry out legal currency transactions and intra-state remittances in the United States，You also need to apply for an MTL (money transmitter) license from each state。Hong Kong Huitong provides you with the establishment of a US corporation、EIN tax ID application、Full legal agency services from anti-money laundering (AML) system to FinCEN registration and MTL application。</p>

<p>2018Year，<a href="https://fintrac-canafe.canada.ca/" target="_blank" rel="nofollow noopener">Financial Transactions and Reports Analysis Center of Canada (FINTRAC)</a>Official first digital currency license，virtual currency、Derivatives and payment processing are fully integrated into the legal regulatory framework。As the compliance cornerstone of the North American financial system，Canadian MSB license with zero deposit、No monthly fee、Extremely fast approval (about 5 weeks) and “one card for multiple uses” (allowing foreign exchange、Fiat currency payment、Cryptocurrency and Crowdfunding Merger Application)’s Absolute Advantages，Become the first choice for Web3 teams and cross-border payment institutions to enter the North American market。Ganghuitong provides you with the establishment of domestic and foreign entities、AML compliance architecture construction、RPAA central bank registers as a one-stop legal agency service fully capable of responding to FINTRAC review。</p>

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。