FinTech & Innovation Licences – ADGM RegLab

Key Features

• Duration : 2 years (extension possible only in exceptional cases).

• Regulatory Scope : Firms test new technologies without full licensing; FSRA provides bespoke conditions.

• Participants :

  • Category 1 : Early-stage startups piloting products untested in UAE.

  • Category 2 : Existing firms testing enhancements or new features.

• Cost : Approx. USD 3,400 for 2 years (includes incorporation, licence, and regulator fee).

• Transition : At the end of 2 years, firms must either apply for a full licence or exit the sandbox.

Do’s

• Must provide a genuine technology solution (AI, blockchain, regtech, payments).

• Must have physical presence in ADGM (flexi-desk minimum).

Don’ts

• Cannot conduct full-scale commercial operations during testing.

• Cannot use RegLab licence as a substitute for permanent financial authorisation.

Benefits

• Direct access to FSRA for regulatory guidance.

• Controlled, low risk testing environment.

• Tax-friendly environment: 0% corporate tax, no withholding tax, full profit repatriation.

• Support with visas, co-working space, and networking opportunities within ADGM’s Innovation Centre.