Labuan banking and finance licences, filed under our own licence.
Seven categories spanning banking, credit, money broking and development finance. Coordinated by a Labuan FSA licensed trust company.
Make an enquiryBanking and finance licences, across seven Labuan categories.
As applicants enter Labuan FSA banking and finance licensing, capital floors shift by category, substance criteria scale by activity, and queries multiply when files route through unlicensed intermediaries or templated submissions.
QX Trust files banking and finance applications under our own Labuan FSA licence as the recognised party, mapping the category to your business model and aligning capital, substance and director vetting before the file is opened.
One licensed channel for every banking and finance category.
QX Trust Co. Ltd is a Labuan Managed Trust Company headquartered in Labuan IBFC. We file applications as the recognised party, not through an intermediary. We serve you in English, Chinese and Malay.
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Labuan FSA licensed
LMT0081
Our Labuan licence
EN + ZH + MS
Language desks
Labuan IBFC
Headquartered
Seven licence categories. One filing channel.
Pick the category closest to your business model. Each route runs through a Labuan FSA licensed trust company.
Labuan bank licence
Full Labuan bank licence for deposit-taking, lending and conventional banking activity.
Read moreLabuan investment bank licence
Capital markets, advisory and underwriting under Labuan. No deposit-taking.
Read moreLabuan money broker licence
Brokerage between counterparties. Digital money broker variant available under Labuan.
Read moreLabuan credit token licence
Digital token issuance and credit token licences under Labuan FSA oversight.
Read moreDevelopment finance company licence
Project finance and development banking activity under a Labuan licence.
Read moreFactoring company licence
Receivables factoring and trade finance under Labuan jurisdiction.
Read moreBuilding credit company licence
Asset financing and building credit business operations under Labuan FSA.
Read moreCapital, substance and category, benchmarked before filing.
Banking and finance licences carry sector-specific capital floors, fit-and-proper director vetting, and operational substance requirements. We map each requirement to your business model before opening the file.
- Capital benchmarked against published Labuan FSA guidelines.
- Director and principal officer vetting prepared for prior approval.
- Substance plan sized to category: FTE, operating expenditure, office.
- Filing routed through our Labuan FSA licence, not via intermediary.
Frequently asked.
Direct answers on capital, timelines, substance and the licensed-channel file path.
What is the minimum capital for a Labuan banking licence?
Capital floors differ by category. A Labuan bank requires RM10 million minimum working fund. Investment banks require RM10 million paid-up. Money brokers require RM1,000,000 paid-up, rising to RM1,500,000 with digital assets. We benchmark exact capital against your category before filing.
How long does the Labuan banking licence application take?
Timelines vary by category and completeness of the file. Processing time depends on the completeness of the application and Labuan FSA's assessment. We track timelines per application and flag bottlenecks before they delay the file.
What substance does Labuan require for a banking licence?
Substance requirements, a set number of full-time employees and minimum annual operating expenditure in Labuan, are prescribed under the Labuan Business Activity Tax (Requirements for Labuan Business Activity) Regulations and benchmarked per category before filing. Physical office on the island. Director appointments require Labuan FSA prior approval. We design the substance plan before filing.
Who can apply for a Labuan banking or investment bank licence?
Applicants need a clean home-regulator standing and a credible business plan. An established bank or regulated financial institution qualifies directly; other applicants need a sound track record in the financial industry. Investment banks may apply as branches or subsidiaries. We test eligibility in the pre-licensing audit before scoping the file.
Can a Labuan investment bank accept deposits?
No. Labuan investment banks are not permitted to accept deposits. Their licence covers capital markets, advisory, underwriting and structured finance. Deposit-taking requires a full Labuan bank licence with higher capital and substance.
Scoping a Labuan banking or finance licence?
Tell us about your model. We map the category, benchmark the capital, and route the file under our Labuan FSA licence.
Make an enquiry