Central Bank of the UAE
Advisory for payments, stored-value (EMI) and digital-banking businesses licensed by the Central Bank of the UAE — from framework selection to application and live compliance.
What is the CBUAE?
The Central Bank of the UAE regulates banks, finance companies, exchange houses and the payments ecosystem across the country.
Its frameworks for Retail Payment Services, Stored Value Facilities and digital banking set out the licences fintechs need to operate — each with its own capital, governance and safeguarding requirements. Selecting the right one and evidencing robust controls is where the work begins.
How we help
We confirm whether Retail Payment Services, a Stored Value Facility or another CBUAE licence fits your model.
We prepare the application with the governance, safeguarding and AML controls the Central Bank expects.
We keep you aligned with prudential, safeguarding and reporting obligations once the licence is live.
FAQ
Most fall under Retail Payment Services or Stored Value Facility frameworks. We confirm the right category for your model.
They vary by licence category and volumes. We size them against your business as part of the framework work.
Customer funds must be safeguarded under CBUAE rules. We build the safeguarding arrangement into the application design.
Prudential, safeguarding, AML and reporting obligations begin. We stay on as your compliance partner so nothing slips.
Building trust in payments
Tell us your goals. In one confidential call we'll confirm the framework you need, the right structure, a realistic timeline and the exact next steps.
