E-commerce provider registration and local hosting Algeria — — source View →
Payment and e-money institution authorisation and safeguarding of customer funds Andorra Ongoing; safeguarding by end of next business day (Art. 8(1)); within five business days for e-money (Art. 8(4))
— source View →
Travel-rule information for virtual asset transfers Angola With each transfer; sent immediately and securely
— source View →
Payment service provider authorisation and registration Angola Before starting activity; BNA decides within three months
— source View →
E-money backing funds and redemption Angola Ongoing; redemption within one business day
— source View →
Notify ASIC before relying on the enhanced regulatory sandbox exemption Australia Before relying on the exemption; ASIC assessment 30 days
— source View →
Travel-rule information for crypto-asset transfers Austria From 30 December 2024; self-hosted wallet checks above EUR 1,000
— source View →
VASP travel-rule information for virtual asset transfers Azerbaijan On each virtual asset transfer
— source View →
E-money institution safeguarding of users' funds Azerbaijan Ongoing, from receipt of funds
— source View →
Licence required to provide payment services Bahamas — — source View →
Licence required to issue electronic money Bahamas — — source View →
Safeguarding of payment users' funds Bahamas — — source View →
Payment transaction record retention Bahamas 5 years
— source View →
VASP licensing before offering crypto-asset services Bahrain Before offering services
— source View →
Stablecoin issuer licensing and reserve backing Bahrain Before issuance; reserves at all times
— source View →
Refrain from dealing in or facilitating virtual assets and virtual currencies Bangladesh Continuous prohibition
— source View →
Minimum funds for crypto platform and crypto exchange operators Belarus — — source View →
Prior approval and registration of payment institutions Benin Before offering the service
— source View →
Safeguarding of customer funds in segregated accounts Benin Daily reconciliation
— source View →
Digital signature and ATT-authorised certificates for documents in the national payment system Bolivia Ongoing; retention of at least 10 years for certificate data and signed documents
— source View →
Segregation of client funds and virtual assets Brazil Ongoing; independent audit every 2 years (Art. 30, III)
— source View →
Reporting of crypto-asset operations to the Receita Federal Brazil Monthly by the last business day of the following month; exchanges' annual report by the last business day of January
— source View →
Payment and e-money institution licensing and safeguarding of customer funds Bulgaria — — source View →
Notify the BNB before outsourcing operational functions (payment institutions) Bulgaria Before outsourcing
— source View →
Payment institution licensing Burkina Faso — — source View →
Safeguarding of customer funds by payment institutions Burkina Faso — — source View →
Notice before outsourcing critical functions (payment institutions) Burkina Faso At least 30 days before outsourcing
— source View →
BCV authorisation to set up a digital bank Cabo Verde Before starting operations
— source View →
Travel-rule information for virtual-asset transfers Cameroon With each virtual-asset transfer
— source View →
Travel rule for electronic funds and virtual currency transfers Canada With each qualifying transfer
— source View →
Registration of payment service providers with the Bank of Canada Canada Before performing retail payment activities
— source View →
Safeguarding of end-user funds held by payment service providers Canada Ongoing while end-user funds are held
— source View →
Operational risk framework and incident notification to the Bank of Canada Canada No later than 48 hours after determining the incident is material
— source View →
Travel-rule information for virtual asset transfers Chad With each transfer
— source View →
Obtain a PBOC payment licence before offering payment services China Before starting payment business
— source View →
Safeguard customer reserve funds and keep core services in-house China Ongoing
— source View →
Unsupervised acquirers: SFC registration and separation of settlement funds Colombia Before joining a payment system, then ongoing
— source View →
Payment institution approval and safeguarding of customer funds Côte d'Ivoire Approval before operating; daily reconciliation of customer funds
— source View →
Major incident notification by payment institutions Côte d'Ivoire Without delay; detailed report within 72 hours
— source View →
Authorisation of crypto-asset service providers Croatia Before offering crypto-asset services
— source View →
Payment institution authorisation by the Central Bank Cyprus Before providing payment services
— source View →
Crypto-asset service providers must be authorised by the CNB under MiCA Czechia Transitional period ended 1 July 2026
— source View →
Permit from the FAÚ for virtual-asset services outside MiCA Czechia Decision within 120 days of application (FAÚ page)
— source View →
Crypto-asset service providers must be authorised before offering services Denmark Before providing crypto-asset services; transition of up to 18 months for firms that applied by 30 December 2024
— source View →
Payment institution and e-money institution licensing Denmark — — source View →
Safeguarding of customers' funds by payment and e-money institutions Denmark — — source View →
Originator and beneficiary information with virtual asset transfers Ecuador With each transfer
— source View →
Travel rule for virtual asset transfers Equatorial Guinea With each virtual asset transfer
— source View →
Authorisation before providing crypto-asset services Estonia Before starting services; transitional period ends 1 July 2026
— source View →
Regulatory sandbox participant reporting Eswatini Monthly interim reports plus a final report
— source View →
Licence for crypto-asset service providers before offering services Finland Before offering services; the Finnish transition period for existing providers ended on 30 June 2025
— source View →
Authorisation as a crypto-asset service provider France Before providing crypto-asset services; transitional period ended 1 July 2026
— source View →
VASP authorisation before operating Gabon Prior approval before operating
— source View →
VASP registration with the National Bank before offering virtual asset services Georgia Before offering services; ongoing
— source View →
Travel rule: information accompanying crypto-asset transfers Germany With or before each transfer (Art. 14(4))
— source View →
Payment service and e-money licensing and safeguarding of customer funds Ghana Before operating; licence valid 5 years
— source View →
Authorisation of payment and e-money institutions Greece Before starting activity
— source View →
Approval of payment institutions before offering payment services Guinea-Bissau Before commencing activity
— source View →
Safeguarding of customer funds by payment institutions Guinea-Bissau Funds held beyond the next business day placed in safeguarding accounts
— source View →
No dealing in cryptocurrencies or unauthorised virtual assets Honduras Ongoing
— source View →
Virtual asset trading platform licence Hong Kong Licence required before operating or marketing to Hong Kong investors
— source View →
Stablecoin issuer licence Hong Kong Licence required before issuing
— source View →
Stored value facility licensees: adequate AML/CFT systems of control Hong Kong Ongoing licence criterion
— source View →
Money service operator licence Hong Kong Licence before operating; 2-year validity; renew at least 45 days before expiry
— source View →
Payment institution licensing Iceland — — source View →
Safeguarding of payment service funds Iceland — — source View →
Safeguarding of e-money funds Iceland Within 5 business days where funds arrive through a payment instrument
— source View →
Send originator and beneficiary information with virtual digital asset transfers (travel rule) India With each virtual digital asset transfer
— source View →
Obtain RBI authorisation, meet net worth and escrow merchant funds (payment aggregators) India Ongoing; net worth ₹25 crore by end of third financial year after authorisation
— source View →
Obtain RBI authorisation and safeguard balances in escrow (prepaid payment instrument issuers) India Ongoing; auditor certificates quarterly and annually
— source View →
Report cyber incidents to RBI within six hours (non-bank payment system operators) India Within 6 hours of detection
— source View →
Safeguarding of payment service users' funds Ireland — — source View →
Safeguarding of electronic money funds Ireland — — source View →
Notice to the Central Bank before outsourcing operational functions Ireland At least 30 days before outsourcing
— source View →
Obtain a licence before providing virtual asset services Jordan Before starting the activity
— source View →
VASP licence before offering virtual asset services Kenya Before commencing business; licence expires 31 December each year (s.13)
— source View →
Payment service provider authorisation and safeguarding of customer funds Kenya Authorisation valid 12 months; renewal at least two months before expiry (Reg. 9)
— source View →
Payment service provider outsourcing notification Kenya At least 30 days before implementation (Reg. 23(2))
— source View →
Crypto-asset operator licence or authorisation Kosovo Before offering services
— source View →
No virtual asset services: prohibition and customer risk warnings Kuwait — — source View →
Prior Banque du Liban approval to operate as an electronic payment services provider Lebanon Before operating; ongoing licence conditions
— source View →
Payment system operator licensing Lesotho Licence valid one year, renewable (s. 12)
— source View →
Electronic money issuer licensing Lesotho Before issuing; licence valid one year
— source View →
Safeguarding of e-money customer funds in a trust account Lesotho At all times
— source View →
Money transfer business licensing and returns Lesotho Before operating; licence valid one year
— source View →
E-payment service licensing and capital Liberia Before offering the service; annual levy by 15 January
— source View →
Mobile money licensing and safeguarding of customer funds Liberia Ongoing; trust balances at least equal to outstanding e-money liabilities at all times
— source View →
Digital credit disclosure and complaint handling Liberia Ongoing; complaints acknowledged in 2 business days, resolved in 10
— source View →
Safeguarding of customer funds in separate pooled accounts Libya — — source View →
VT service provider registration with the FMA Liechtenstein Before starting services
— source View →
Crypto-asset service provider authorisation and notifications (MiCA) Liechtenstein — — source View →
MiCAR authorisation for crypto-asset service providers Luxembourg Before providing crypto-asset services; CASP provisions applied from 30 December 2024
— source View →
Documents to the CSSF after year-end (payment and e-money institutions) Luxembourg Three months after year-end for internal control documents; two weeks before the AGM for accounts
— source View →
Obtain a Reserve Bank licence before operating a payment system or service Malawi Before starting operations
— source View →
Safeguarding of e-money funds in a trust account Malaysia At all times
— source View →
Payment institution licensing before providing payment services Mali Decision within 6 months of a complete file (Art. 18)
— source View →
Safeguarding of customer funds by payment institutions Mali Reconciled at the end of each working day
— source View →
Notice before outsourcing critical functions (payment institutions) Mali At least 30 days before execution
— source View →
Report cash, wallet and bank transfers at or above set thresholds when unsupported or doubtful Mauritania Within 2 business days of detection
— source View →
Virtual asset service provider licensing before operating Mauritius Before starting business; ITO issuers register at least 45 days before the offer
— source View →
No obligations for this country.
