Licensing guides for fintech and crypto launches in the EU, the UK and the UAE: which licence each activity needs, what it asks for, and how to start under a licensed partner.
11 articles
What Dubai's virtual assets regulator asks of a crypto exchange: the two-stage licence, the rulebooks, capital and fees as VARA publishes them, local staff and the Travel Rule.
Paynoramic's Head of IT7 min read
E-money or payments, authorised or small: what the FCA asks for in capital, safeguarding and people, how long it takes, and when an agent or banking partner is the faster route.
Paynoramic's Head of IT7 min read
How the Central Bank of the UAE licenses money transfer: the Exchange Business Regulation, the app-only Category IV licence, capital and guarantees, AML duties and partners.
Paynoramic's Head of IT7 min read
Who licenses crypto in the UAE: VARA in Dubai, the DFSA in DIFC, the FSRA in ADGM, the Capital Market Authority elsewhere, and the Central Bank when tokens are used to pay.
Paynoramic's Head of IT6 min read
What PCI DSS v4.0.1 asks of a payment gateway: who sets your validation level, when you need a Report on Compliance from a QSA, and how tokenisation and hosted fields shrink scope.
Paynoramic's Head of IT7 min read
What FCA registration under the Money Laundering Regulations asks of a UK crypto business, how crypto promotions are controlled, and what changes on 25 October 2027.
Paynoramic's Head of IT7 min read
What an e-money institution and a payment institution may do in the EU, the capital each needs, safeguarding, passporting, and launching as an agent first.
Paynoramic's Head of IT7 min read
What MiFID II asks of a retail trading app in the EU: the services it provides, initial capital, client assets, KIDs, appropriateness and the tied agent route.
Paynoramic's Head of IT7 min read
When a wallet or prepaid card app needs the CBUAE's stored value facility licence: who needs it, capital, safeguarding the float, the licensing steps and the free zones.
Paynoramic's Head of IT6 min read
Who does what in a sponsored card programme, what the BIN sponsor, Visa and Mastercard ask of a programme manager, the rules for crypto-linked cards, and where an EMI licence fits.
Paynoramic's Head of IT7 min read
Gateway, acquirer, payment facilitator or payment institution: where the licence line falls, how the card schemes register payment facilitators, what merchant KYB demands, and the UK and UAE rules.
Paynoramic's Head of IT7 min read
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