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This will make it easier for users to provide customer identity data to financial institutions, the Bank of Lithuania said.

立陶宛银行正在研究向金融机构提供与反洗钱相关信息的影响。针对这些评论,央行已采取措施满足消费者需求并改进服务提供。


咨询提供了宝贵见解,让我们了解到支付服务提供商和客户观点在哪些方面存在差异,进而导致了最多的误解。考虑到收到的意见和建议,我们制定了一些措施,使金融机构对客户身份信息的要求更加清晰、更具个性化,能够为用户量身定制,并使其提供过程更为容易和便捷。


立陶宛银行董事会主席 盖迪米纳斯·西姆库斯


立陶宛金融市场的所有参与者都必须遵守有关反洗钱和防止恐怖主义融资的法律及其他立法文件。KYC流程基于持续收集、监控和更新有关客户及其付款性质的信息。


用户对支付服务不满意的主要原因在于他们无法与客户支持进行有效沟通。消费者对金融业参与者要求提供过多的信息和文件感到不满,因为他们不理解制定这些要求的法律术语。


据立陶宛银行称,支付服务提供商必须告知客户,他们为何要求提供某些信息、某些文件,以及客户可从何处获取这些信息。提供特定员工的联系方式是很好的做法,这样用户在有问题时可以直接与他们联系。那些不了解要求、无人可询,因而避免向金融市场参与者提供信息的用户通常会这么做。这可能会导致支付服务受限,甚至可能导致业务关系终止。


客户,尤其是鲜少为金融专业人士的居民,应当能以更通俗易懂的语言了解法律要求。立陶宛银行将通过提供额外的信息工具,帮助改善用户与服务提供商之间的沟通。


针对某些用户群体(如学生、养老金领取者、企业、非政府组织等),采用个人问卷来收集和维护客户个人数据,是立陶宛银行提出的建议之一。这些问卷可在之前版本的基础上进行修改,消费者如有必要也可进行更正。


中央银行应考虑是否有必要修订立法,以便金融市场参与者能够从政府信息系统或登记处接收文件、数据或信息(例如,无需客户签名即可验证此类信息和数据)。


立陶宛银行计划从金融市场参与者那里收集因规避风险而终止或拒绝建立业务关系的相关信息,以限制规避风险的可能性(即决定不建立或终止业务关系,从而剥夺客户获得支付服务、降低风险等权利)。目前,只有与电子货币机构和支付机构终止或拒绝开展业务关系的银行才需这样做。


European Encryption License
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    The Slovak Republic is an emerging developing jurisdiction due to its simple regulation and clear process for obtaining a cryptocurrency license. We will guide you through the necessary steps and provide you with a successful outcome.

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    Located in southern Europe, Bosnia and Herzegovina (B & H) is a country with a developed economy, promising prospects and excellent business conditions. The country is open to international economic cooperation, trade and foreign investment, as evidenced by successful projects in various sectors. Of particular interest are the information technology and crypto industries, which have numerous advantages due to the favorable investment climate.

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  • 立陶宛的加密货币许可证

    Under the updated regulatory framework from 29 April 2025, existing VASP licensees are allowed to continue operating until 1 January 2026. We strongly recommend starting the CASP registration application process as soon as possible.

    After registering a company in Lithuania and obtaining a cryptocurrency license, you can legally provide cryptocurrency exchanges and asset custody services in the EU and globally, ensuring full compliance with European regulations.

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    Lithuanian cryptocurrency licenses are an important asset for any company in the digital asset space, providing credibility, regulatory clarity, and access to European and global markets.

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    Get a MiCA encryption license to ensure your encryption business is legally compliant in Europe.

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World Encryption License
  • 英属维尔京群岛加密许可证

    The British Virgin Islands (BVI) is one of the most prestigious cryptocurrency licensing frameworks in the Caribbean. Obtaining a VASP license benefits from zero corporate tax, flexible regulation and international recognition. AdamSmith provides full-cycle support from company formation to license approval.

    0% Corporation Tax, Capital Gain Tax and Dividend Tax
    Tax-neutral jurisdictions that do not tax business income or investment profits
    No minimum share capital requirement
    The Financial Services Commission requires adequate capital commensurate with the operation of the business, but there is no fixed minimum.
    Allow remote operation
    Does not require physical presence in the British Virgin Islands; company operates through an authorized representative
    4-9 month license period
    It takes 2 weeks to establish the company, 2 weeks to prepare, and 3-8 months to review the FSC

  • 蒙大拿州 2025 年 MSB 许可证

    Montana is the only state in the United States that does not require a state Money Transfer License (MTL).of the state. This unique structure allows money service businesses, including cryptocurrency exchanges and payment processing companies, to conduct cross-border activities from legitimate U.S. bases without the need for state-by-state licensing.

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    a federal document
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  • 毛里求斯加密货币许可证 2025

    The VASP license in Mauritius is a regulatory authorization issued by the Financial Services Commission (FSC) under the Virtual Assets and Initial Coin Offering Services Act 2021 (VAITOS Act). The license allows businesses to conduct cryptocurrency exchange, custody, advisory and token issuance services in five license categories. Best suited for businesses in African and Asian markets that require bank access and institutional credibility.

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    3-15% tax rate
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    3-6 months
    Timeline for the review of permits approved by the Forest Stewardship Council
    $44,000 - $145,000
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  • 香港的加密货币许可证

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  • 佐治亚州的加密货币许可证

    AdamSmith Law Firm is your professional partner in the process of obtaining a cryptocurrency license in Georgia. Georgia has an advanced regulatory environment and is an ideal place to establish a cryptocurrency business. Our experienced legal team provides end-to-end support to ensure a smooth and efficient licensing process.

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    El Salvador was the first country to recognize Bitcoin as legal tender, creating an enabling environment for cryptocurrency businesses.

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  • 加拿大 MSB 许可证

    In Canada, businesses that provide financial services such as currency exchange, money transfer, virtual currency transactions and similar activities must register as a Money Service Business (MSB) or a Foreign Money Service Business (FMSB) with the Financial Transactions and Reports Analysis Centre of Canada (FINTRAC) prior to commencing operations.

  • 塞舌尔的加密货币许可证

    After registering a company and obtaining a cryptocurrency license in Seychelles, you can legally provide digital asset exchanges, cryptocurrency storage and other virtual asset activities in one of the most flexible and recognized offshore jurisdictions.

    With our help, more than 500 customers have successfully obtained VASP licenses in other countries and are operating with confidence in the international crypto environment.

    The VASP license issued by the FSA regulatory authority in Seychelles is a reliable legal tool to help you grow your business, build confidence among investors and partners, and demonstrate your compliance with AML/CFT requirements.

  • SVG 中的加密许可证

    Saint Vincent and the Grenadines (SVG) is fast becoming the destination of choice for crypto entrepreneurs around the world. Saint Vincent and the Grenadines has a flexible regulatory environment, streamlined company formation processes and attractive tax incentives, providing you with an ideal platform to launch and manage your crypto business with a minimum of bureaucracy.

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  • 巴拿马的加密货币许可证

    With its friendly regulatory framework and favorable business environment, Panama has become the preferred offshore jurisdiction to establish crypto companies.

    Registering a cryptocurrency company in Panama costs only € 4,500 for a maximum of 2 weeks.

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