LICENSE APPLICATIONS & SERVICES PROVIDED

A Labuan Digital Bank License enables a company to operate a digital (virtual) banking business within the Labuan International Business and Financial Centre (Labuan IBFC), offering services likedigital deposits, payments, loans, and other financial products primarily through digital platforms.

Labuan International Business and Financial Centre (Labuan IBFC) licenses digital brokerageactivities primarily through the Labuan Money Broking License. This license is suitable for digital brokers—especially for those facilitating institutional trades in foreign exchange, money markets, and, with proper approvals, certain digital assets.

Authorizes the issuance and management of digital tokens (such as vouchers, cards, coupons, and utility tokens) used for transactions, ecosystem rewards, or facilitating access to goods, services, or specific digital environments—particularly on blockchain platforms.

Digital asset management (DAM) in Labuan encompasses the provision of services such as managing portfolios of digital assets (cryptocurrencies, tokenized securities, NFTs, etc.) for clients; Operating digital investment funds or collective investment schemes (including tokenized funds); Providing custody, trading, and transfer services for digital assets; Offering advisory, asset structuring, and multi-asset digital portfolio management solutions. Labuan’s digital financial ecosystem includes both conventional and Shariah-compliant offerings, giving it a unique role in the region.

A Labuan Securities Token Offering (STO) is a digital fundraising mechanism regulated by the Labuan Financial Services Authority (Labuan FSA), enabling companies to issue securities as digital tokens using blockchain or Distributed Ledger Technology (DLT). STOs in Labuan can take the form of both public and private offers, and are subject to strict regulatory standards to protect investors and ensure market integrity.

A Labuan payment operator system refers to a licensed entity authorized by the Labuan FinancialServices Authority (Labuan FSA) to provide payment system and payment processing services within (and from) the Labuan International Business and Financial Centre (Labuan IBFC). This is a dedicated license for fintech and digital finance businesses that wish to operate cross-border payment rails, digital wallets, and payment networks from an offshore base in Asia.

A Labuan crypto fund is an investment vehicle established in Labuan International Business andFinancial Centre (Labuan IBFC) that collects and manages investments in cryptocurrencies or digital assets. Labuan has gained prominence as an offshore Asian hub for regulated crypto funds, digital asset management, and wealth structuring—serving both institutional and high-net-worth investors.

Digital financial services in Labuan refer to licensed, technology-driven financial activities and product offerings—including digital banking, e-wallets, payment systems, digital asset exchanges, tokenization, robo-advisory, digital asset management, insurtech, and more. Both conventional and Shariah-compliant (Islamic) solutions are available, giving providers and clients broad flexibility.

Digital asset custody services refer to specialized solutions provided by banks, regulatedcustodians, and certain financial institutions to safeguard digital assets—such as cryptocurrencies, tokenized securities, NFTs, and other blockchain-based assets—on behalf of clients ranging from individuals to institutional investors.