Payment & Banking

2018Year，Financial Transactions and Reports Analysis Center of Canada (FINTRAC) officially launches 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。

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。

格鲁吉亚银行业由国家银行（NBG）实施监管。in accordance with 2022 年《商业银行活动法》修订案，NBG 设立“附条件牌照”（Conditional License）制度。该制度为数字银行提供 4 年监管沙盒期，初始最低资本要求由 5000 万拉里（GEL）下调至 500 万拉里。持牌机构支持接入单一欧元支付区（SEPA）及开放金融（Open Finance）网络。涉及加密资产业务需同步完成虚拟资产服务提供商（VASP）注册。港汇通提供法团设立、高管适合性（Fit and Proper）审查材料编制及牌照申请法定代办服务。

The Estonian Electronic Money Institution (EMI) license is issued by the Estonian Financial Supervisory Authority (FSA) / Finantsinspektsioon) review and supervision in accordance with the law。As the first country in the world to fully implement e-Government (e-Residency)，Its digital regulatory framework is highly standardized。Approved institutions enjoy the EU “Passporting Mechanism” (EU Passporting)，After submitting a cross-border notification, you can legally operate 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、Set up a local entity (e.g. OÜ) and establish a substantive operations center (Substance)，And the core executives and anti-money laundering officer (MLRO) must be resident in Estonia。Hong Kong Huitong provides coverage for corporate establishment、Local substantive operation construction、Compliance document writing and FSA regulatory interview agency’s full legal agency services，The overall implementation budget is estimated to be 45 Wanzhi 60 million euros。

科摩罗（Union of the Comoros）的离岸金融和银行牌照注册主要由其高度自治的岛屿负责，是目前全球极少数仍保留极低准入门槛的离岸中心。安茹安岛（Anjouan）颁发的 CLASS B（B类）离岸银行牌照，无需当地实体办公，Just need 1 万美元法定准备金即可获取；莫埃利岛（Mwali/Moheli）国际服务管理局（MISA）则广泛颁发“受限银行牌照”及“国际经纪牌照”，允许企业合法吸收用户的加密资产和法定货币（如知名平台 Yield App）。along with 2025 年科摩罗联邦新《反洗钱法》的颁布，离岸合规要求正在升级。Hong Kong Huitong provides you with everything from corporate establishment to、极简资料递交到全面应对新规的离岸银行一站式法定代办服务。