Singapore

監管機構官網

• MASMonetary Authority of Singapore

• Major Payment InstitutionMPIMAS licence for payment services above the volume thresholds — the usual licence for regional PSPs.

  允許辦理的業務

  Specified payment services under the Payment Services Act 2019 once monthly transaction volume exceeds the SPI threshold.

  典型持牌主體

  Regional PSPs, acquiring platforms and e-wallet operators serving Singapore at scale.

  申請路徑

  Licence application to MAS under the PSA. Activity classes (account issuance, e-money, DPT, etc.) are selected in the application.

  重要限制

  Volume, safeguarding and base-capital rules are stricter than SPI. Conducting an unlicensed specified payment service is an offence.

  Payment institution / PSP官方來源
• Standard Payment InstitutionSPIThe lower-volume tier of the same regime, with lighter requirements.Payment institution / PSP官方來源
• Money-changing & remittance licenceMC / RMOSeparate MAS licences for money-changing and for cross-border money transfer.Money transfer & remittance官方來源
• Digital Payment Token serviceDPTA regulated activity under the PSA covering dealing in and custody of digital payment tokens.Crypto-asset & VASP官方來源

人工挑選的範例，便於對照制度；不是完整登記冊。

• AdyenHolds a Dutch banking licence, so it settles as a bank in Europe and licenses locally elsewhere.BankingMTLEMIAFSLMPISVFIP持牌地European Union / EEAUnited StatesUnited KingdomAustraliaSingaporeHong Kong, ChinaBrazilUnited Arab Emirates
• AirwallexCross-border accounts, cards and acquiring with one of the widest licence footprints in APAC.AFSLAPIEMISVFMPIMSB持牌地AustraliaUnited KingdomHong Kong, ChinaSingaporeUnited StatesMalaysiaNew ZealandChina (mainland)
• Checkout.comEnterprise acquiring with local acquiring licences across four regions.APIEMIMTLMPISVF持牌地United KingdomEuropean Union / EEAUnited StatesUnited Arab EmiratesSingaporeHong Kong, ChinaAustraliaJapan
• CircleStablecoin issuer holding US money transmitter licences and an EU e-money licence.MSBMTLEMIMPI持牌地United StatesEuropean Union / EEAFRSingapore
• CoinbaseCrypto exchange and custody with licences across the US, EU and Asia-Pacific.MSBMTLEMICASPMPI持牌地United StatesEuropean Union / EEAUnited KingdomDESingaporeAustralia
• GrabPaySuper-app wallet licensed across Southeast Asia.MPIE-moneyEMI持牌地SingaporeMalaysiaIndonesiaPhilippinesThailandVietnam
• MarqetaModern card issuing platform — licensed where it issues and settles.MTLEMI持牌地United StatesUnited KingdomAustraliaSingapore
• NiumReal-time cross-border payments and card issuance for banks and businesses.MPIEMIAPIMTLAFSL持牌地SingaporeUnited KingdomUnited StatesAustraliaHong Kong, ChinaIndiaMalaysia
• NuveiPayment technology and acquiring with local licences across its footprint.MSBMTLEMIMPIAFSL持牌地CanadaUnited StatesUnited KingdomEuropean Union / EEASingaporeAustralia
• PayoneerCross-border payouts and receivables for marketplaces and SMBs.MSBMTLEMIAPISVFAFSL持牌地United StatesUnited KingdomEuropean Union / EEAHong Kong, ChinaAustraliaSingaporeIndia
• PayPalRuns a Luxembourg banking licence alongside US state money transmitter licences.BankingMTLEMIAFSL持牌地United StatesEuropean Union / EEAUnited KingdomAustraliaSingapore
• PPROLocal payment methods platform for PSPs and merchants.EMIMTLMPI持牌地United KingdomEuropean Union / EEAUnited StatesSingaporeBrazilMexico
• RapydFintech-as-a-service with licensed entities across Europe, the US and Asia-Pacific.EMIAPIMTLMPI持牌地United KingdomIsraelUnited StatesSingaporeMexicoBrazil
• RevolutEMI plus a banking licence in Lithuania; separate licences in each expansion market.BankingEMIAPIMTLMPIAFSL持牌地European Union / EEAUnited KingdomUnited StatesSingaporeAustraliaJapanMexicoBrazilIndia
• RippleCross-border settlement infrastructure with money transmitter and e-money authorisations.MSBMTLEMIMPI持牌地United StatesEuropean Union / EEAUnited KingdomSingapore
• StripeGlobal acquiring, payouts and issuing; licensed separately in each market it settles in.MSBMTLEMIAPIMPIAFSL持牌地United StatesEuropean Union / EEAUnited KingdomSingaporeAustraliaJapan
• ThunesCross-border payout network connecting wallets, banks and mobile money.MPIAPIMTL持牌地SingaporeUnited KingdomUnited States
• WiseCross-border accounts and transfers, licensed market by market.EMIMTLMPIAFSL持牌地United KingdomEuropean Union / EEAUnited StatesSingaporeAustraliaJapanMalaysia

大區

• Hong Kong, China
• Japan
• China (mainland)
• India
• Australia
• South Korea
• Malaysia
• Indonesia
• Thailand
• Philippines
• Vietnam
• New Zealand