الإمارات العربية المتحدة KYC, KYB & AML compliance checklist
قائمة عملية وموثقة بالمصادر لتنفيذ متطلبات KYC وKYB وAML في الإمارات العربية المتحدة.
- تاريخ آخر مراجعة
- تاريخ آخر مراجعة:
- الإصدار
- الإصدار 1.1
إجابة مباشرة
ما الذي تغطيه قائمة الامتثال الخاصة بـ الإمارات العربية المتحدة؟
تحوّل قائمة الإمارات العربية المتحدة قواعد KYC وKYB وAML الأساسية إلى 11 مجالات رقابية و41 فحوص تنفيذ، وتشمل الجهات المختصة وواجبات الإبلاغ والأدلة الواجب الاحتفاظ بها.
حقائق تنظيمية أساسية
- FIU
- UAE Financial Intelligence Unit; suspicious reports use the FIU's approved forms and goAML service
- Primary AML rules
- Federal Decree-Law 10/2025 and Cabinet Resolution 134/2025
- FI occasional CDD
- AED 55,000, single or linked transactions
- Wire and VASP CDD
- AED 3,500 under Cabinet Resolution 134/2025
- AML ownership test
- 25% or more, then other control, then senior management
- National KYC platform
- Federal Decree-Law 30/2024 and Cabinet Resolution 55/2026 are active
- Suspicion reporting
- Without delay, including attempts and regardless of value
- Core retention
- At least 5 years, using the latest applicable trigger
- FATF public lists
- Not listed at 19 June 2026; removed from increased monitoring in February 2024
تفاصيل التنفيذ
متطلبات وإجراءات الامتثال في الإمارات العربية المتحدة
افتح كل مجال لمراجعة المتطلب وإجراء التنفيذ المقترح والأدلة الواجب الاحتفاظ بها والمصدر الأساسي.
01Scope, authorities, and licensingResolve the regulated activity, location and supervisor before onboarding or launch.3 عناصر+
Map each entity and activity to the federal reporting perimeter.
- إجراء التنفيذ
- Classify financial activities, designated non-financial businesses and professions, virtual-asset services and nonprofit activity under the 2025 law and executive regulation; record the applicable supervisor.
- الأدلة الواجب الاحتفاظ بها
- Entity map, activity analysis, licence inventory, supervisor confirmation and legal opinion.
- المصدر الأساسي
- Federal Decree-Law 10/2025; Cabinet Resolution 134/2025, Articles 2-5
Separate federal, emirate and financial-free-zone regimes.
- إجراء التنفيذ
- Determine whether CBUAE, SCA, Ministry of Economy and Tourism, Ministry of Justice, VARA, DFSA or FSRA rules govern each service; do not extend a mainland or free-zone rule beyond its perimeter.
- الأدلة الواجب الاحتفاظ بها
- Jurisdiction decision tree, establishment documents, customer-location rules and regulator correspondence.
- المصدر الأساسي
- Federal Decree-Law 10/2025; joint UAE supervisory guidance; applicable regulator rulebook
Obtain every required financial, payment or virtual-asset permission.
- إجراء التنفيذ
- Before promotion or operation, classify retail payment, stored-value, payment-token, remittance, exchange, securities and virtual-asset activity and secure the licence, registration or non-objection required by the competent regulator.
- الأدلة الواجب الاحتفاظ بها
- Product analysis, application, licence, conditions, approved agents and renewal calendar.
- المصدر الأساسي
- Federal Decree-Law 6/2025; CBUAE Retail Payment Services Regulation; CBUAE Payment Token Services Regulation; applicable SCA, VARA, DFSA or FSRA rules
02Governance and risk assessmentControls must be risk-based, senior-approved, independently tested and updated.3 عناصر+
Maintain a documented enterprise crime-risk assessment.
- إجراء التنفيذ
- Assess money-laundering, terrorist-financing and proliferation-financing exposure by customer, country, product, service, transaction, delivery channel and technology and update it when risks change.
- الأدلة الواجب الاحتفاظ بها
- Methodology, risk assessment, source inputs, approvals, residual-risk decision and remediation plan.
- المصدر الأساسي
- Cabinet Resolution 134/2025, Articles 4-5 and 24
Maintain senior-approved policies and a management-level compliance officer.
- إجراء التنفيذ
- Document CDD, reporting, sanctions, records, employee screening, training and governance procedures proportionate to risk and obtain senior-management approval.
- الأدلة الواجب الاحتفاظ بها
- Policy suite, approval minutes, compliance appointment, authority matrix and reporting packs.
- المصدر الأساسي
- Cabinet Resolution 134/2025, Articles 21-22
Independently test the AML/CFT/CPF programme.
- إجراء التنفيذ
- Operate risk-based monitoring, staff training and an independent audit function; track findings to verified closure.
- الأدلة الواجب الاحتفاظ بها
- Training records, audit plan, test samples, findings, owners and closure evidence.
- المصدر الأساسي
- Cabinet Resolution 134/2025, Article 21
03Natural-person identificationIdentify and verify customers and representatives from reliable independent evidence.4 عناصر+
Apply CDD at every applicable trigger.
- إجراء التنفيذ
- Perform CDD at relationship start, on suspicion or doubtful prior data; for financial institutions also at AED 55,000 occasional transactions and AED 3,500 occasional wires; for VASPs at AED 3,500 occasional transactions, aggregating linked activity where specified.
- الأدلة الواجب الاحتفاظ بها
- Trigger matrix, aggregation tests, timestamps, customer file and exception log.
- المصدر الأساسي
- Cabinet Resolution 134/2025, Article 7
Verify natural-person identity using current reliable evidence.
- إجراء التنفيذ
- Obtain the official name, nationality, address, date and place of birth and applicable employment information, plus a true copy of a valid identity card or travel document, and corroborate authenticity.
- الأدلة الواجب الاحتفاظ بها
- Identity copy, verification results, liveness or presence evidence, discrepancy log and approval.
- المصدر الأساسي
- Cabinet Resolution 134/2025, Article 9(1)(a)
Verify each representative and their authority.
- إجراء التنفيذ
- Identify and verify the person acting for a customer and confirm the authenticity and scope of the authorisation before permitting access or instructions.
- الأدلة الواجب الاحتفاظ بها
- Representative KYC, power or mandate, authority check, limits and activity log.
- المصدر الأساسي
- Cabinet Resolution 134/2025, Articles 9 and 12
Do not proceed when CDD cannot be completed.
- إجراء التنفيذ
- Do not establish or continue the relationship or execute the transaction; consider an STR. If further CDD would alert the customer, stop that step and report the reason to the FIU.
- الأدلة الواجب الاحتفاظ بها
- Restriction, exit decision, suspicion assessment, approval and submission receipt.
- المصدر الأساسي
- Cabinet Resolution 134/2025, Article 14
04KYB, registries, and beneficial ownershipVerify legal existence, authority, ownership and actual control, keeping AML and registry tests distinct.5 عناصر+
Verify legal-person identity, purpose and authority.
- إجراء التنفيذ
- Obtain name, legal form, constitutional documents, tax and unique reference numbers where applicable, registered and principal address, directors and binding authority from reliable independent sources.
- الأدلة الواجب الاحتفاظ بها
- Current registrar extract, constitutional pack, licence, officer list, mandates and discrepancy log.
- المصدر الأساسي
- Cabinet Resolution 134/2025, Article 9(1)(b)
Identify AML beneficial owners at 25% or more.
- إجراء التنفيذ
- Trace natural persons ultimately owning, alone or jointly, an actual controlling ownership interest or shares of 25% or more; if unresolved, identify control by other means, then the relevant senior-management person or persons.
- الأدلة الواجب الاحتفاظ بها
- Layered ownership chart, percentage calculations, control analysis, fallback rationale and verified identities.
- المصدر الأساسي
- Cabinet Resolution 134/2025, Article 10(1)
Identify all controlling parties to legal arrangements.
- إجراء التنفيذ
- Identify and verify trustees, settlors, protectors, beneficiaries or classes and every other natural person exercising ultimate effective control, including legal persons within the arrangement.
- الأدلة الواجب الاحتفاظ بها
- Trust or arrangement instrument, party register, powers, ownership analysis and verified identities.
- المصدر الأساسي
- Cabinet Resolution 134/2025, Article 10(2)
Maintain the entity-level beneficial-owner record where Decision 109/2023 applies.
- إجراء التنفيذ
- Create the record within 60 days of formation, keep adequate and current owner data, record changes within 15 days of knowledge and provide required information to the registrar; apply the decision's 25% or control and senior-manager cascade.
- الأدلة الواجب الاحتفاظ بها
- Beneficial-owner, shareholder and nominee registers, notices, filing receipts and change log.
- المصدر الأساسي
- Cabinet Decision 109/2023, Articles 5-10
Apply financial-free-zone ownership rules separately.
- إجراء التنفيذ
- For DIFC or ADGM entities use the relevant registrar and free-zone beneficial-ownership rules rather than Cabinet Decision 109/2023; document any government or listed-company exemption before relying on it.
- الأدلة الواجب الاحتفاظ بها
- Perimeter decision, free-zone extract, exemption analysis and filing evidence.
- المصدر الأساسي
- Cabinet Decision 109/2023, Articles 2 and 6; applicable DIFC or ADGM regulations
05PEPs, EDD, and remote onboardingDetect public-function exposure and strengthen controls where risk requires.4 عناصر+
Identify PEPs, family members and close associates.
- إجراء التنفيذ
- Use appropriate risk systems, declarations and reliable sources to determine whether a customer or beneficial owner is a foreign or domestic PEP or holds a prominent international-organisation function.
- الأدلة الواجب الاحتفاظ بها
- Declaration, screening result, relationship map, match rationale and refresh history.
- المصدر الأساسي
- Cabinet Resolution 134/2025, Article 16
Apply approval, wealth, funds and enhanced-monitoring measures.
- إجراء التنفيذ
- For foreign PEPs obtain senior approval, establish source of wealth and funds and enhance ongoing monitoring; apply the same measures to higher-risk domestic and international-organisation PEPs.
- الأدلة الواجب الاحتفاظ بها
- Risk assessment, senior approval, source corroboration, monitoring plan and reviews.
- المصدر الأساسي
- Cabinet Resolution 134/2025, Article 16
Control remote onboarding as a technology risk.
- إجراء التنفيذ
- Before use, assess impersonation, synthetic-identity, document and deepfake risks; validate the method, protect evidence and add controls proportionate to residual risk.
- الأدلة الواجب الاحتفاظ بها
- Technology risk assessment, validation, liveness results, fraud tests, restrictions and monitoring.
- المصدر الأساسي
- Cabinet Resolution 134/2025, Articles 8, 9 and 24
Map duties under the national KYC Digital Platform.
- إجراء التنفيذ
- Determine whether the entity collects, retains, analyses, classifies, uses, exchanges, protects or manages KYC data or issues a KYC report; if in scope, classify its platform role, supply the prescribed natural- or legal-person data and implement the current access, consent, security and update requirements.
- الأدلة الواجب الاحتفاظ بها
- Platform-scope analysis, role registration, data-field map, customer authority, transmission logs, security controls and update evidence.
- المصدر الأساسي
- Federal Decree-Law 30/2024; Cabinet Resolution 55/2026, Articles 2-3 and applicable platform provisions
06Monitoring and suspicious reportingSuspicious transactions and attempts are reported without delay and regardless of value.4 عناصر+
Monitor relationships and keep indicators current.
- إجراء التنفيذ
- Scrutinise activity against customer information, business purpose, risk and source of funds where necessary; update crime indicators with changing methods and supervisory instructions.
- الأدلة الواجب الاحتفاظ بها
- Monitoring scenarios, indicator register, alerts, investigations, source data and dispositions.
- المصدر الأساسي
- Cabinet Resolution 134/2025, Articles 8 and 17
Report suspicion and attempted transactions without delay.
- إجراء التنفيذ
- When suspicion or reasonable grounds arise, regardless of value, submit the FIU-approved suspicious report with available data and documents through the authorised service; do not wait for proof or a threshold.
- الأدلة الواجب الاحتفاظ بها
- Suspicion chronology, analysis, approved report, goAML delivery record and acknowledgement.
- المصدر الأساسي
- Federal Decree-Law 10/2025; Cabinet Resolution 134/2025, Article 18
Register and govern goAML access before operations.
- إجراء التنفيذ
- Complete FIU pre-registration under the correct supervisor, establish controlled organisation and user administration and test the current report and supplemental-information process.
- الأدلة الواجب الاحتفاظ بها
- Registration, user approvals, role matrix, test evidence and current FIU guidance.
- المصدر الأساسي
- UAE FIU goAML services registration
Prevent tipping off and preserve report confidentiality.
- إجراء التنفيذ
- Restrict report and investigation data and do not disclose that a report has been or will be filed or that an investigation is underway, except as lawfully permitted.
- الأدلة الواجب الاحتفاظ بها
- Need-to-know matrix, access logs, communication controls, training and incident review.
- المصدر الأساسي
- Cabinet Resolution 134/2025, Article 19
07Payments, wires, thresholds, and agentsPayment permissions, wire data and agent oversight are product- and regulator-specific.4 عناصر+
Carry complete originator and beneficiary information.
- إجراء التنفيذ
- For international wires of AED 3,500 or more verify originator information and transmit the required names, accounts or unique reference and identifying field; transmit required data below the threshold and verify where suspicion exists.
- الأدلة الواجب الاحتفاظ بها
- Field matrix, validation logic, sampled transfers, repair queue and verification results.
- المصدر الأساسي
- Cabinet Resolution 134/2025, Article 28
Control incomplete intermediary and incoming wires.
- إجراء التنفيذ
- Detect missing information and apply documented risk rules to execute, suspend or reject; beneficiary institutions verify an unverified beneficiary at AED 3,500 or more.
- الأدلة الواجب الاحتفاظ بها
- Detection rules, repair requests, risk decisions, beneficiary checks and escalation records.
- المصدر الأساسي
- Cabinet Resolution 134/2025, Articles 29-30
Govern money-transfer agents within the AML programme.
- إجراء التنفيذ
- Maintain the current agent list, make it available to authorities, include agents in the AML/CFT/CPF programme and monitor their compliance.
- الأدلة الواجب الاحتفاظ بها
- Agent due diligence, contracts, register, training, monitoring and remediation.
- المصدر الأساسي
- Cabinet Resolution 134/2025, Article 27
Use the correct payment or payment-token licence.
- إجراء التنفيذ
- Map the service to retail payment, stored-value or payment-token categories; obtain the CBUAE licence, registration or non-objection and comply with restrictions on promotions, agents and outsourcing.
- الأدلة الواجب الاحتفاظ بها
- Regulatory classification, licence, product terms, agent approvals, outsourcing register and launch sign-off.
- المصدر الأساسي
- CBUAE Retail Payment Services and Card Schemes Regulation; Payment Token Services Regulation, Articles 2, 5, 19 and 20
08Targeted financial sanctionsUAE and UN list matches require immediate controls under Cabinet Decision 74/2020 and current Executive Office instructions.4 عناصر+
Subscribe to updates and screen UAE and UN sanctions lists.
- إجراء التنفيذ
- Screen customers, beneficial owners, controllers, representatives, related parties and transactions against the current Local Terrorist List and UN Consolidated List at onboarding, daily and when lists change.
- الأدلة الواجب الاحتفاظ بها
- Subscription, list inventory, update logs, screening configuration, tests and dispositions.
- المصدر الأساسي
- Cabinet Decision 74/2020; Executive Office TFS guidance
Freeze confirmed matches without delay and prior notice.
- إجراء التنفيذ
- Freeze covered funds and assets immediately, in any event within the official without-delay standard, prevent funds or services being made available and keep restrictions until lawful release.
- الأدلة الواجب الاحتفاظ بها
- Match analysis, freeze timestamp, ownership/control analysis, asset inventory and system blocks.
- المصدر الأساسي
- Cabinet Decision 74/2020; Executive Office TFS guidance
Report freezes and attempted transactions through the current route.
- إجراء التنفيذ
- For financial institutions and DNFBPs submit the Fund Freeze Report with supporting material through goAML within two business days and notify the relevant supervisor as required.
- الأدلة الواجب الاحتفاظ بها
- FFR, attachments, submission receipt, supervisor notice and chronology.
- المصدر الأساسي
- Executive Office TFS guidance and confirmed-match workflow
Govern partial matches, exemptions and release.
- إجراء التنفيذ
- Suspend or restrict a possible match according to current guidance, seek Executive Office direction and release or permit access only under verified competent-authority or UN procedure.
- الأدلة الواجب الاحتفاظ بها
- Identifier analysis, correspondence, licence or exemption, approval and release log.
- المصدر الأساسي
- Cabinet Decision 74/2020; Executive Office TFS guidance
09Records and regulator accessRecords must reconstruct transactions and decisions and follow the latest applicable retention trigger.3 عناصر+
Retain transaction and relationship records for at least five years.
- إجراء التنفيذ
- Keep domestic and international transaction, cash and commercial-dealing records for at least five years after transaction completion or relationship termination, applying the later applicable trigger.
- الأدلة الواجب الاحتفاظ بها
- Retention schedule, trigger calculations, archive sample, legal holds and deletion controls.
- المصدر الأساسي
- Cabinet Resolution 134/2025, Article 25(1)
Apply the latest-trigger rule to CDD and investigation records.
- إجراء التنفيذ
- Keep CDD, monitoring, account, correspondence, identification, STR, analysis and specified recording evidence for at least five years from the most recent applicable closure, transaction, inspection, investigation or final-judgment event.
- الأدلة الواجب الاحتفاظ بها
- Record-class map, linked case files, trigger engine, archive and retrieval test.
- المصدر الأساسي
- Cabinet Resolution 134/2025, Article 25(2)
Make records promptly available to competent authorities.
- إجراء التنفيذ
- Organise information to reconstruct individual transactions, authenticate requests and produce responsive customer and monitoring material promptly while protecting report confidentiality.
- الأدلة الواجب الاحتفاظ بها
- Request register, authority validation, production index, delivery log and receipt.
- المصدر الأساسي
- Cabinet Resolution 134/2025, Article 25(3)-(4)
10Privacy, biometrics, and transfersFederal data protection applies subject to statutory exclusions and separate DIFC, ADGM, health and credit-data regimes.4 عناصر+
Map the applicable privacy regime and lawful basis.
- إجراء التنفيذ
- Determine whether Federal Decree-Law 45/2021, DIFC or ADGM data-protection law or a sector regime applies; document consent or another lawful ground for every identity, screening and monitoring purpose.
- الأدلة الواجب الاحتفاظ بها
- Data inventory, perimeter and lawful-basis analysis, notices, consent records and exception register.
- المصدر الأساسي
- Federal Decree-Law 45/2021, Articles 2, 4 and 6; applicable DIFC or ADGM law
Minimise and secure identity and biometric data.
- إجراء التنفيذ
- Collect only necessary data, apply purpose limitation, accuracy, retention and security controls and treat biometric data used for unique identification as sensitive personal data requiring heightened safeguards.
- الأدلة الواجب الاحتفاظ بها
- Field justification, security design, access reviews, encryption evidence, retention configuration and tests.
- المصدر الأساسي
- Federal Decree-Law 45/2021, Articles 1, 5 and 20
Perform impact assessments and appoint a DPO where required.
- إجراء التنفيذ
- Assess high-risk technology and large-scale sensitive processing before use and appoint an appropriately independent data-protection officer when statutory triggers apply.
- الأدلة الواجب الاحتفاظ بها
- Impact assessment, risk treatment, DPO analysis and appointment, consultation and approval.
- المصدر الأساسي
- Federal Decree-Law 45/2021, Articles 10 and 22
Control incidents, rights requests and overseas transfers.
- إجراء التنفيذ
- Maintain regulator and data-subject notification procedures without inventing an unverified deadline; fulfil applicable rights and transfer data only under an authorised adequacy or safeguard route.
- الأدلة الواجب الاحتفاظ بها
- Incident assessment, notifications, rights log, transfer map, contract and adequacy or derogation analysis.
- المصدر الأساسي
- Federal Decree-Law 45/2021, Articles 9, 13-18 and 23-24
11Practical evidence packsEvidence should reproduce onboarding, monitoring and launch decisions across regulator boundaries.3 عناصر+
Maintain a reconstructable onboarding pack.
- إجراء التنفيذ
- Bundle identity, authority, KYB, beneficial ownership, PEP and sanctions screening, risk, approvals, privacy records and exceptions under stable identifiers.
- الأدلة الواجب الاحتفاظ بها
- Complete sampled onboarding pack and retrieval result.
- المصدر الأساسي
- Operational control supporting Cabinet Resolution 134/2025, Articles 7-16 and 25
Maintain a reconstructable reporting and sanctions pack.
- إجراء التنفيذ
- Link transactions, alerts, analysis, timing, report, acknowledgement, supplements, freeze actions, authority communications and access logs.
- الأدلة الواجب الاحتفاظ بها
- Complete sampled case pack and controlled access log.
- المصدر الأساسي
- Operational control supporting Cabinet Resolution 134/2025, Articles 17-19 and Cabinet Decision 74/2020
Maintain a regulator-scoped launch pack.
- إجراء التنفيذ
- Record activity and location classification, every licence, current legal sources, goAML readiness, ownership filing, sanctions subscription, privacy analysis, vendor controls and validation before launch and on material change.
- الأدلة الواجب الاحتفاظ بها
- Signed launch pack, source register, regulator map, uncertainty log, tests and approvals.
- المصدر الأساسي
- Official sources listed below
سجل المصادر الأساسية
15 مصدرًا مستخدمًا في هذه القائمة
استخدم هذه الروابط للتحقق من التشريعات وإرشادات الجهات الرقابية وإجراءات الإبلاغ والبيانات الدولية.
- Federal Decree-Law No. 10 of 2025 on AML/CFT/CPFCentral Bank of the UAE Rulebook · Primary legislation
- Cabinet Resolution No. 134 of 2025 - Executive RegulationsCentral Bank of the UAE Rulebook · Official binding regulation
- UAE FIU goAML services registrationUAE Financial Intelligence Unit · Official reporting service
- Cabinet Decision No. 109 of 2023 on beneficial-owner proceduresMinistry of Economy and Tourism · Official binding decision
- Federal AML and beneficial-ownership legislation repositoryMinistry of Economy and Tourism · Official legislation repository
- Targeted financial sanctions implementationExecutive Office for Control and Non-Proliferation · Official sanctions guidance
- Federal Decree-Law No. 45 of 2021 on personal data protectionUAE Legislation · Primary legislation
- Cabinet Resolution No. 55 of 2026 - KYC Digital Platform RegulationsUAE Legislation · Official binding regulation
- Retail Payment Services and Card Schemes RegulationCentral Bank of the UAE Rulebook · Official regulation
- Payment Token Services RegulationCentral Bank of the UAE Rulebook · Official regulation
- UAE third enhanced follow-up reportMENAFATF · Authoritative regional assessment
- FATF February 2024 plenary outcome and UAE removalFATF · Authoritative status record
- FATF jurisdictions under increased monitoring - 19 June 2026FATF · Authoritative current status
- FATF high-risk jurisdictions subject to a call for action - 19 June 2026FATF · Authoritative current status
- United Nations Security Council consolidated sanctions listUnited Nations · Authoritative sanctions list
إجابات مباشرة
أسئلة KYC وKYB وAML في الإمارات العربية المتحدة
Who receives suspicious transaction reports?+
The UAE Financial Intelligence Unit. Reporting entities register through the FIU service and submit the approved report type through goAML under the correct supervisory body.
When must suspicion be reported?+
Without delay when suspicion or reasonable grounds concern a transaction, attempted transaction or funds connected with crime, regardless of value. Do not wait for proof or a monetary threshold.
What occasional-transaction CDD thresholds apply?+
For financial institutions, AED 55,000 for a single or linked occasional transaction and AED 3,500 for an occasional wire. For VASPs, AED 3,500 for a single or linked occasional transaction. Relationship, suspicion and doubtful-data triggers apply separately.
How is AML beneficial ownership determined?+
Identify natural persons ultimately owning, alone or jointly, 25% or more; if ownership does not resolve the beneficial owner, identify control by other means, then the relevant senior-management person or persons.
How long are AML records retained?+
At least five years. Cabinet Resolution 134/2025 applies record-specific triggers and, for CDD and investigation material, calculates from the most recent applicable event.
What happens on a sanctions match?+
Screen the UAE Local Terrorist List and UN list, freeze a confirmed match without delay and prior notice, prohibit making funds or services available and make the required report through the current Executive Office and supervisory route.
Which regulator covers payment or virtual-asset activity?+
It depends on the product and location. CBUAE regulates retail payments, stored value and payment-token services; SCA, VARA, DFSA and FSRA may govern other virtual-asset or financial activity. Obtain a written perimeter analysis before launch.
Is the UAE on a FATF public list?+
No. FATF removed the UAE from increased monitoring in February 2024, and it was absent from both FATF public lists dated 19 June 2026. This is not a low-risk classification.
What is the national KYC Digital Platform?+
Federal Decree-Law 30/2024 and Cabinet Resolution 55/2026 establish an active platform framework for persons handling KYC data or issuing KYC reports. Confirm the entity's platform role, required data, access and operational onboarding with the competent authority.
Which privacy law applies?+
Federal Decree-Law 45/2021 applies subject to exclusions. DIFC, ADGM, health and credit data can fall under separate regimes. Confirm the perimeter and current executive rules before biometric or cross-border processing.
منهجية البحث والمراجعة
تحدد VOVE ID Compliance Research النطاق التنظيمي، وتحول الالتزامات إلى ضوابط تشغيلية، وتربط الادعاءات الجوهرية بالمصادر، وتسجل تاريخ وإصدار كل مراجعة.
General regulatory information, not legal advice or a licence determination. Reviewed as applicable on 14 September 2026. Confirm official Arabic text, later amendments, supervisory circulars, goAML report types, company-registrar procedures, data-protection executive regulations and the exact CBUAE, SCA, VARA, DFSA or FSRA perimeter with the competent authority and qualified UAE counsel before launch.