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#Licensing

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Oct 15Thu
  1. CoinDeskSource summary78

    ASIC proposes tighter rules for Australian crypto exchanges and digital asset custodians

    The Australian Securities and Investments Commission (ASIC) has proposed new standards requiring cryptocurrency exchanges and digital asset custodians to protect customer funds, improve trading transparency and meet financial requirements. The rules will take effect on April 8, 2027. Existing businesses can apply for licences by October 7, 2027, and continue operating while their applications are being reviewed. The consultation will close on November 27, with final guidance and standards expected to be released in March 2027; ASIC said it has received more than 140 applications for digital asset-related financial services authorisation.

    推荐理由：The proposed rules bring customer asset protection, trading transparency, settlement and financial resources into the regulatory framework, while setting out a consultation and licensing application timeline to help trading platforms assess their compliance arrangements.

  2. Fintech News SingaporeSource summary78

    KPay Granted Singapore MPI License by MAS

    MAS has granted KPay subsidiary KPay Merchant Service (Singapore) Pte. Ltd. a Major Payment Institution (MPI) license, allowing it to provide merchant acquiring, domestic remittance, and cross-border remittance services in Singapore.

    推荐理由：The license covers merchant acquiring as well as domestic and cross-border remittances, and is linked to the product expansion of Online Payments and KPay POS, highlighting its business strategy in Singapore.

  3. Fintech News Hong KongSource summary79

    UAE Central Bank grants Ant International two payment licenses

    UAE Central Bank granted Ant International two payment licenses: an RPSCS Category II license and a Stored Value Facilities (SVF) license.

    推荐理由：The two types of licenses correspond to merchant acquiring and cross-border account services, respectively. The materials also explain that Alipay+ does not rely on the new licenses, making it easier to distinguish its business pathways in the UAE.

  4. Fintech NewsSource summary81

    Ant International obtains RPSCS and SVF licenses from the Central Bank of the UAE

    Ant International has obtained the Retail Payment Services and Card Schemes Category II (RPSCS) license and the Stored Value Facilities (SVF) license issued by the Central Bank of the UAE.

    推荐理由：The article distinguishes the new licenses from the existing Alipay+ partnership arrangements and explains the subsequent service pathways for Antom and WorldFirst in the UAE.

  5. CryptopolitanSource summary71

    OCC says U.S. large banks restricted services to crypto firms and conditionally approved trust bank charters for 5 crypto companies

    An OCC report said that from 2020 to September 2025, 9 large U.S. banks had restricted services to crypto firms and customers in other lawful industries. The report listed digital assets as a restricted industry but provided no specific crypto examples, and OCC said it was unable to measure how widespread such practices were.

    推荐理由：The report places large banks’ reputational risk policies and restrictions on services to crypto firms in the same regulatory context, and contrasts them with OCC’s conditional approval of trust bank charters for crypto companies.

  7. Banking DiveSource summary72

    Payward agrees to acquire Lithuania’s Saldo Bank to obtain an EU banking license

    Payward has agreed to acquire Lithuania’s Saldo Bank and its Finnish holding company, planning to use the deal to obtain an EU banking license and upgrade its existing Irish electronic money institution license. The transaction terms were not disclosed and the deal is expected to close in 2027. The transaction is expected to enable Payward to offer deposit interest, lending products, and banking-as-a-service capabilities in Europe, including card issuance and SME lending; Saldo Bank currently has passporting coverage in Lithuania, Finland, Sweden, Germany, and the Netherlands.

    推荐理由：The article outlines how the acquisition would elevate Payward’s licensing status in Europe and lists the five markets covered by Saldo Bank, along with the banking products it plans to expand.

  9. PYMNTSSource summary56

    Nuvei 获南非本地商户支付服务牌照，将本地收单覆盖扩展至 52 个市场

    Nuvei 获得 Payments Association of South Africa 授权，可在南非提供本地商户支付服务，并将本地收单基础设施覆盖市场数增至 52 个。其南非业务将服务进入该地区的国际企业，以及拓展全球业务的南非企业，涵盖本地收单、支付受理基础设施、交易数据和运营控制。

  10. Digital Transactions NewsSource summary25

    Nuvei 获准在南非提供本地商户支付服务及其他支付行业简讯

    Nuvei 获得南非支付协会批准，可在南非提供本地商户支付服务。Payward 同意收购芬兰 Saldo Finance Oy 及其数字银行子公司 Saldo Bank UAB；该银行在五个欧洲国家运营，交易预计明年完成，具体条款未披露。Movere 将在 100 多个国家提供 500 多种支付方式；MassPay 则将通过新协议提供 Bottomline 的 Paymode 企业间支付平台。

Oct 14Wed
  4. CoinDeskSource summary74

    Dutch central bank grants Qivalis an electronic money institution license

    The Dutch central bank has granted Qivalis, backed by 37 European banks, an electronic money institution license, bringing it closer to issuing euro-denominated electronic money tokens. Qivalis still needs to publish a white paper and meet other MiCA requirements, and plans to distribute the tokens through banks, cryptocurrency exchanges and payment service providers in the coming months. Under MiCA, holders of electronic money tokens can redeem them at par at any time, and the tokens may not pay interest.

    推荐理由：The material sets out the license, the remaining MiCA requirements and the distribution channels, helping readers distinguish between obtaining a license and the formal issuance of stablecoins in the regulatory process.

  5. Fintech NewsSource summary82

    Visa approved to begin preparations to establish an onshore bank card clearing institution in China

    Visa has received approval from the People's Bank of China (中国人民银行) for its Application to Prepare, formally commencing preparations to establish an onshore bank card clearing institution in China. The approval only allows Visa to advance preparations in accordance with the requirements of the People's Bank of China; Visa must still complete the relevant procedures before it can conduct onshore bank card clearing business in China.

    推荐理由：The approval distinguishes authorization to prepare from formal operations, while the materials also explain the regulatory procedures Visa must still complete to enter China's onshore bank card clearing market.

  6. Payments Cards & MobileSource summary42

    拉脱维亚加大力度争取成为欧盟主要金融科技中心

    拉脱维亚正加大力度争取成为欧盟主要金融科技中心，并与立陶宛、爱沙尼亚竞争金融科技企业。自2026年初以来，Latvijas Banka已发出20多张牌照，准备充分的申请者可在几个月内获牌，牌照申请还可获得准入前咨询支持。该国目前有127家金融科技公司，2025–2027战略拟将企业数量增加30%、投资增加15%、就业提高18%。

  7. Payments DiveSource summary73

    Visa wins Chinese government approval to prepare to provide bank card clearing services in China

    Visa said it has received approval from the Chinese government for its application to prepare to provide bank card transaction clearing services in China, and will continue to complete the subsequent procedures in accordance with relevant regulations of the People's Bank of China. Mastercard was approved to operate in China in 2023 and began processing payments made with bank cards issued by Chinese banks in 2024 through a joint venture established with a Chinese partner. The two US card networks will still face competition from UnionPay in China's domestic market.

    推荐理由：Visa's approval to prepare to provide bank card clearing services in China, along with Mastercard's earlier progress and the competitive landscape involving UnionPay, makes this worth watching.

  8. Banking DiveSource summary57

    Upgrade 向 FDIC 和内华达州申请 ILC charter

    Upgrade 已向 FDIC 和内华达金融机构部门申请工业贷款公司（ILC）牌照，拟设立 Upgrade Bank，由 Virginia Varela 担任拟议 CEO。Upgrade 称已向约 8.5 million 名客户提供约 $53 billion 信贷；若获批，公司对 Cross River 和 Celtic Bank 在贷款、信贷额度及银行服务上的依赖将减少。

Oct 13Tue
  1. PYMNTSSource summary77

    Visa receives approval from the People's Bank of China to prepare domestic bank card clearing business in China

    Visa has received approval from the People's Bank of China for its Application to Prepare, allowing it to begin preparations for a domestic bank card clearing business in China. The approval is a preparatory milestone for Visa's entry into China's domestic payments market, but does not mean it has begun operations in China; Financial Times said Visa has attempted to establish such a business since 2015.

    推荐理由：The People's Bank of China's approval is a preparatory license rather than formal authorization to operate, clarifying the stage Visa has reached in entering China's domestic payments market.

  2. Dogpay BlogSource summary15

    DogPay：超越银行账户

    STRATUSPAY FINTECH LIMITED运营DogPay App，在加拿大注册并受FINTRAC监管为Money Services Business（MSB），牌照号C100000785。公司获授权开展外汇、汇款、虚拟货币及支付服务提供商（PSP）业务，产品与持牌机构合作，银行卡由相应司法辖区的持牌合作方发行。

Oct 12Mon
  1. CryptopolitanSource summary72

    Kraken secures a full VARA license through Payward, entering UAE spot and margin trading

    Kraken has obtained a full crypto broker-dealer, management and investment license from Dubai VARA through its parent company Payward, allowing it to serve retail and institutional investors in the UAE. UAE users can trade spot and margin products in AED and deposit and withdraw directly in UAE dirhams; institutional clients can also access OTC trading services and Kraken Prime.

    推荐理由：The article outlines the customer coverage of the license, AED trading and funding channels, and the boundaries under which subsequent products still require VARA approval.

  2. Dogpay Blog (中文)Source summary13

    DogPay 的代理支付控制

    DogPay背后的STRATUSPAY FINTECH LIMITED在加拿大注册，并受FINTRAC监管，登记为MSB（牌照编号：C100000785）。公司获授权开展外汇兑换、货币汇款、虚拟货币和PSP相关活动，完全遵守AML与CTF要求；支付产品通过持牌机构提供，卡片由具备相应牌照的合作伙伴发行。

Oct 8Thu
  2. Dogpay Blog (中文)Source summary11

    DogPay 如何接收稳定币支付并以法币结算

    DogPay围绕接收稳定币支付并以法币结算提供支付产品，服务通过持牌机构合作提供。其运营主体STRATUSPAY FINTECH LIMITED在加拿大注册，受FINTRAC监管并持有MSB牌照（C100000785），获授权开展外汇兑换、货币汇款、虚拟货币及PSP相关活动。公司遵守AML和CTF要求，银行卡由相应持牌合作伙伴发行。

  3. PYMNTSSource summary73

    US community banking association sues OCC, challenging crypto trust bank charter rules

    Independent Community Bankers of America（ICBA）has filed a lawsuit in federal court against OCC, challenging its granting national trust bank charters to crypto companies that do not accept deposits and do not primarily conduct traditional fiduciary business.

    推荐理由：The case focuses on whether non-depository national trust banks can conduct broad crypto businesses, and also highlights the competitive divide between community banks and crypto companies over deposit insurance and compliance costs.

Oct 7Wed
  1. CryptopolitanSource summary86

    Bank of Russia approves first 4 crypto trading platforms and 5 digital custody institutions

    Bank of Russia has approved 9 institutions to enter the regulated crypto market, with 4 authorized to operate as digital currency trading platforms and 5 authorized to provide digital custody services, making them the first participants in the two official registries. Sberbank and VTB received digital custody licenses, while VTB was also authorized to conduct cryptocurrency trading. All crypto transactions, including transfers to overseas wallets, must be completed through Russian licensed intermediaries, and the relevant institutions must fully comply with the regulatory framework no later than 2027年9月1日.

    推荐理由：The article outlines the composition of Russia’s first digital currency trading and custody institutions, the compliance deadline, and requirements for transfers to overseas wallets, making it easier to understand how the new regulatory framework will be implemented.

  2. CoinDeskSource summary75

    Rain applies for OCC national trust bank charter to custody digital assets and manage stablecoin reserves

    Rain has applied for an OCC national trust bank charter and plans to use its New York subsidiary to custody digital assets and USD for institutional clients, manage stablecoin reserves, and provide issuance and redemption services for USD stablecoins. The proposed bank will not accept deposits, issue commercial loans, or offer consumer accounts, and will not have FDIC insurance. Client assets will be segregated from the bank’s own assets. The application still requires OCC approval and a public comment process, and has faced opposition from traditional banking groups.

    推荐理由：The materials set out the proposed bank’s business boundaries, client asset segregation arrangements, and the regulatory approval and industry litigation background, making it easier to assess the constraints on the chartering path.

  4. Banking DiveSource summary73

    Rain 与 Modern Treasury 申请 OCC 全国信托银行牌照

    支付基础设施公司 Modern Treasury 与稳定币基础设施平台 Rain 已向 OCC 申请全国信托银行牌照，获批后可提供资产托管等相关服务，但不能吸收存款或发放贷款。Modern Treasury 计划整合法币与数字资产托管、支付和结算能力；Rain 计划根据 Genius Act 发行稳定币，并为其他获准发行方持有和管理储备。

Oct 6Tue
  1. Banking DiveSource summary77

    ICBA sues OCC, seeking tighter approval of national trust bank charters

    Independent Community Bankers of America (ICBA) sued OCC and Jonathan Gould in federal court, seeking to overturn the rules and interpretive letters underpinning recent trust bank charter approvals, as well as the charter approval for Protego Holdings Corp.

    推荐理由：The case centers on whether non-depository, non-fiduciary institutions can obtain national trust bank charters, involving state-law exemptions, regulatory costs, and crypto companies’ pathways to becoming banks.

  2. Fintech News Hong KongSource summary61

    吉尔吉斯斯坦 Bakai Bank 获香港受限制银行牌照并进军亚太

    吉尔吉斯斯坦 Bakai Bank 获香港金融管理局授予的受限制银行牌照，可在香港设立分行，服务中亚与亚太之间开展业务的企业和金融机构。牌照于 5 October 2026 生效，Bakai Bank Hong Kong 将提供贸易、支付和资金管理服务；该类别银行可接受 HK$500,000 或以上的存款。

  3. PYMNTSSource summary62

    Modern Treasury申请设立受OCC监管的全国性信托银行

    Modern Treasury已向OCC申请设立Modern Treasury National Trust Bank，拟作为受联邦监管的有限用途全国性信托银行运营。该银行计划整合Modern Treasury的支付与结算能力，为客户提供法币和稳定币托管及转移服务，但不发行稳定币或发放贷款。申请发生在银行业团体就OCC向数字资产公司发放银行牌照提起诉讼之际。

  4. CryptopolitanSource summary72

    香港稳定币落地迟滞之际加码离岸人民币业务并推进虚拟资产牌照修法

    香港财经事务及库务局局长 Christopher Hui表示，香港将通过离岸人民币流动性工具、债券市场安排等措施扩大离岸人民币业务，并于今年提交虚拟资产牌照制度修订法案。香港已有两家稳定币发行机构获牌，HSBC计划推出港元稳定币 HSBC RedCoin，Anchorpoint Financial则已测试港元代币 HKDAP，但受监管稳定币交易所需的基础设施仍较有限。

Oct 3Sat
  1. CryptopolitanSource summary70

    美国社区银行组织起诉OCC，反对向加密公司发放国家信托银行牌照

    代表美国社区银行的ICBA已在哥伦比亚特区起诉OCC，指其向加密公司发放国家信托银行牌照超出监管权限。此类牌照允许公司管理客户资金和处理交易，但不能吸收现金存款或发放贷款，ICBA认为相关数字资产不具备联邦特许银行同等保护。OCC称新规只是澄清既有授权；OCC表示约18个月收到40份新银行牌照申请，其中23份与数字资产有关。

Oct 1Thu
  2. PYMNTSSource summary71

    FCA开始受理加密公司进入英国市场的监管授权申请

    FCA已开始受理希望纳入英国新加密监管框架的加密公司申请，计划继续运营的企业应在2027年2月28日前提交申请。新框架将于2027年10月25日生效，涵盖消费者保护、客户资产保障、市场完整性和金融韧性；已按期申请的现有企业在申请审理期间可继续提供加密资产服务，未达到标准的企业将无法获准运营。

Sep 30Wed
Sep 29Tue
  1. Dogpay BlogSource summary13

    Dogpay《四项确定性》：STRATUSPAY FINTECH LIMITED 的加拿大合规资质

    Dogpay披露，其运营主体STRATUSPAY FINTECH LIMITED在加拿大注册，并受FINTRAC监管，登记为Money Services Business（MSB），MSB license为C100000785。该主体获授权开展外汇、汇款、虚拟货币和支付服务提供商（PSP）业务，遵守加拿大AML/CTF要求；支付产品与持牌机构合作，银行卡由相关司法辖区持有适当牌照的合作方发行。