Licensing | Compliance | Risk Management for Fintech & Virtual Asset Businesses

End-to-end licence application across all eight VARA activity categories. We handle entity setup, full VASP application, and regulator engagement through to licence issuance.

Financial Services Permission for virtual asset businesses in Abu Dhabi Global Market. English common law jurisdiction - the preferred framework for fund managers, custodians, and institutional structures.

Federal VASP licence under Decision No. 4/R.M/2026. Eight activity categories, structured governance requirements, UAE-wide regulatory reach. We manage the full application and compliance setup.

Single authorisation covering all 27 EU member states. We handle jurisdiction selection, entity setup, NCA application, and passporting across the entire European market.

UAE(GCGRA), Curaçao, Malta MGA, Gibraltar, Isle of Man, Anjouan. Full process management - entity setup, AML framework, RNG certification, and banking setup.

BVI, Cayman Islands, Seychelles, Costa Rica, Mauritius, South Africa FSCA. Designed for OTC desks, fund vehicles, and holding structures. Incorporation, AML compliance, and licence application handled end-to-end

Full-Service Dealer licence (excluding underwriting). Local directors, MLRO, and compliance in place. Ready for activation.

Active Forex Market Maker licence issued 2023. Own proprietary trading platform included. Physical bank account supporting B2C and B2B.

Direct licence under the new LOK framework. Good standing.

BSP registration January 2026. Clean entity, no prior operations. Full corporate documents and AML templates included.

Dual licence: Virtual Asset Service Provider and Securities Investment Business Licence. Covers trading, exchange, custody, OTC, staking, lending. Valid until August 2026.

PIS licence (FSC). Global Business Company. Payment infrastructure, API integration, merchant acquiring. Bank account in progress.

FINTRAC-registered MSB. Clean entity, no prior activity. Pre-established banking infrastructure.

DCP licence under Central Bank of Kenya. Digital lending via mobile, USSD, and web. Transfer in 7–10 business days.

Regulatory structuring and compliance for tokenised real-world assets - real estate, commodities, private equity, and funds. We advise on asset classification, applicable regulatory framework, and the licensing or approval path required in UAE and international jurisdictions.

Full AML/CTF programme built for your regulator and activity category — Business Risk Assessment, CDD/EDD procedures, sanctions screening, goAML registration, and staff training. Aligned with UAE Federal Decree-Law No. 10 of 2025.

We source and place qualified Money Laundering Reporting Officers for licensed virtual asset businesses - matched to your jurisdiction, licence category, and operational stage.

Full Travel Rule implementation aligned with VARA requirements - solution selection and integration, counterparty VASP due diligence, unhosted wallet verification procedures, and documented policy for non-compliant jurisdictions.

Blockchain analytics integration combined with behavioural monitoring. Tool selection, ruleset calibration, alert management framework, and inspection preparation.

Business bank account opening for VARA-licensed and regulated virtual asset firms. Bank selection matched to your licence type, transaction profile, and UBO structure - full documentation preparation and application management.

Account blocked, transaction frozen, or access restricted. We manage the full resolution process - from initial assessment through documentation and exchange engagement to reinstatement.

UAE entity incorporation aligned with your licensing strategy - mainland DET or free zone, physical office, governance documentation, and bank account opening.

Legal entity setup in the UAE's first blockchain-focused free zone. Designed for Web3 businesses, DAOs, and non-regulated crypto activities. Fast incorporation, 100% foreign ownership, residency visa eligibility.

→ Launched under VARA regulation
→ Full end-to-end licensing
→ AML/KYC policies, internal controls, risk framework
→ Onboarded to exchanges and PSPs
→ Recruited and integrated full compliance team

→ Established proprietary trading firm under DMCC
→ Completed licensing process for VA activities
→ Designed operational compliance procedures
→ Integrated AML tools and staff onboarding
→ Secured the required NOC (No Objection Certificate) from VARA to conduct VA activities

→ Registered FX company with local authorities
→ Secured relevant operational licenses
→ Set up full physical office in Poland
→ Hired local staff and established compliance team
→ Implemented AML monitoring tools

→ Structured OTC trading company with crypto license in BVI (Virtual Asset Service Provider)
→ Secured regulatory opinion to support fiat onboarding and trading desk legitimacy
→ Opened business bank accounts for USD/USDT operations with crypto-friendly banks
→ Onboarded to OKX Institutional, including prime-tier API access and reduced fees

→ Registered low-tax crypto entity in Costa Rica under territorial taxation model
→ Used for downstream setup of offshore trading account on OKX
→ Structured business model to reflect non-custodial, proprietary operations
→ Opened account with international EMI + access to institutional-grade crypto trading

→ Account frozen due to large USDT inflows from Kazakhstan-based exchange wallets
→ AML review triggered by jurisdictional wallet risk and transaction velocity
→ Assisted client in preparing AML justification report and clarifying source of funds
→ Liaised with Binance compliance and legal team to resolve risk flags
→ In past cases, clients successfully regained access within a short period after submitting complete documentation and regulatory clarifications


Results and timeframes vary by case. AMLZone acts solely as a compliance advisor assisting with documentation, regulator communication, and procedural coordination. Final decisions remain at the sole discretion of exchanges or regulatory authorities.

→ High-risk wallet flagged due to transaction patterns resembling layering
→ Analyzed wallet behavior and helped client prepare full AML narrative
→ Coordinated with OKX risk team during multi-stage case review
→ Account reactivated with stable OTC privileges and monitoring downgrade


Results and timeframes vary by case. AMLZone acts solely as a compliance advisor assisting with documentation, regulator communication, and procedural coordination. Final decisions remain at the sole discretion of exchanges or regulatory authorities.

→ Account access restricted due to incomplete KYB documentation and language mismatch
→ Supported client in reconstructing shareholder docs and notarized corporate records
→ Reviewed updated KYB materials and submitted through formal Kraken channel
→ Account reinstated after structured compliance review


Results and timeframes vary by case. AMLZone acts solely as a compliance advisor assisting with documentation, regulator communication, and procedural coordination. Final decisions remain at the sole discretion of exchanges or regulatory authorities.

→ Account suspended after coordinated false reports by competitors on P2P platform
→ Helped client gather proof of legitimacy and submitted full counter-complaint
→ Provided documentation of transaction history, buyer chat logs, and dispute outcomes
→ Binance restored access and took internal action against the source of false complaints


Results and timeframes vary by case. AMLZone acts solely as a compliance advisor assisting with documentation, regulator communication, and procedural coordination. Final decisions remain at the sole discretion of exchanges or regulatory authorities.

→ Offshore crypto entity’s account was blocked by Bybit after over a year of active trading, with substantial funds held
→ No explanation was provided — only generic template responses for over 5 months
→ Eventually, a case number was shared; the matter had been escalated to German law enforcement
→ We initiated direct communication with the police, clarified the situation, and submitted evidence disproving the suspicion
→ After law enforcement cleared the case, we re-engaged Bybit and successfully restored full account access


Results and timeframes vary by case. AMLZone acts solely as a compliance advisor assisting with documentation, regulator communication, and procedural coordination. Final decisions remain at the sole discretion of exchanges or regulatory authorities.

→ Built complete compliance architecture for VARA-regulated crypto brokerage
→ Drafted AML/KYC/CTF policies, client risk scoring model, and internal procedures
→ Implemented KYT tools and trained internal team on transaction monitoring
→ Assisted in pre-launch VARA review and team onboarding

→ Structured crypto proprietary trading entity in IFZA Free Zone
→ Created AML policies, risk classification model, and VA flow
→ Obtained No Objection Certificate (NOC) from VARA to operate trading desk
→ Enabled entity onboarding and UAE bank account approval

→ Assisted Lithuania-based crypto exchange with MiCA transition strategy
→ Integrated Travel Rule compliance tool (Notabene) and Chainalysis for wallet risk scoring
→ Adjusted internal onboarding procedures to reflect MiCA-required standards
→ Delivered updated SOPs and compliance narratives for regulatory readiness

→ Structured and registered company in Abu Dhabi Global Market
→ Developed compliance model for tokenized investments
→ Drafted and implemented AML/KYC framework
→ Prepared licensing documentation and internal policies

→ Structured fractional ownership model for real estate tokenization using a corporate entity
→ Conducted negotiations with DLD to align token model with traditional title registration standards
→ Drafted whitepaper, token economics, and investor agreements
→ Integrated blockchain-based registry with full AML/KYC onboarding for global investors

→ Developed hybrid NFT for digital art ownership + access to private platform
→ Drafted IP licensing terms, sale series, and rights disclosures
→ Implemented wallet-based gating for exclusive content
→ Integrated KYC for high-value collectors and fiat payment paths

→ Advised EU fintech on launching security token offering (STO) with proper legal opinion
→ Designed investor onboarding with AML/KYC rigor and securities law mapping
→ Prepared compliance documentation for VASP listing and token distribution

→ Built exclusive membership token granting gated access without investment element
→ Clearly defined utility token scope to avoid regulatory classification as a security
→ Developed global usage policy and AML compliance for cross-border members

→ Assisted client in launching a public token sale akin to an IPO (EU entity)
→ Managed legal structure, investor disclosures, and AML-ready onboarding
→ Coordinated with crypto-exchange for token listing and secondary trading support
→ Provided post-issuance compliance: KYC refresh, token distribution monitoring

→ Structure and register issuing entity (ADGM / RAK DAO / DMCC()
→ Define token model (security / utility / hybrid) aligned with UAE rules
→ Draft core docs: whitepaper, terms, investor agreements
→ Implement AML/KYC onboarding and transaction monitoring
→ Custody/escrow setup + proof-of-reserve and reporting


*DMCC × VARA commodity-tokenisation pathway is newly launched (Oct 2025) - pilot-stage framework

→ Structured UAE-based crypto exchange startup under VARA regulation
→ Prepared full legal, compliance, and transactional documentation for onboarding
→ Negotiated onboarding terms with Zand Bank corporate crypto desk
→ Enabled access to HNI/Zand crypto banking ecosystem via our relationship network
→ Bank account opened successfully for high-risk VARA crypto firm

→ Fintech development company misclassified as crypto exchange by banks
→ Website and branding restructured to remove false crypto-exchange indicators
→ Clarified non-custodial business model (no crypto trading or asset flows)
→ Submitted revised KYC/AML pack with clean fiat inflow/outflow projection
→ Business bank account opened with Wio despite initial rejections

→ VARA-licensed brokerage with no operational history (startup stage)
→ Enhanced documentation: AML roadmap, capital sources, licensing narrative
→ Matched Sharia-compliant banking model with VA operations
→ Account opened in 28 days – record time for crypto business in UAE

→ Cayman entity with crypto dealer license and own trading desk
→ Mapped use-case for combined OTC settlement and proprietary trading
→ Onboarded through EQIBank institutional crypto banking gateway
→ Gained access to crypto custodial tools, international wires, and virtual cards