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 Every day, thousands of remittance transactions fuel small businesses, help migrant workers support their families, and increase financial access for underserved communities. Yet, these contributions rarely make it into structured sustainability reports which is a missed opportunity for ADLAs to measure and prove their contributions to SDG targets in emerging markets. To truly understand how […]

At MDBLaw, we are always energised when working with forward-thinking OTC desks that are building new products for the South-African market. In our OTC market in South Africa, the majority of OTC license holders follow the same recipe: “standardized products on generic trading platforms with little differentiation in terms of user experience or settlement mechanisms”

As an ADLA attorney, working with start-ups across South Africa, Kenya, Bangladesh, India and beyond, I’ve seen firsthand how Africa’s fragmented financial infrastructure creates pitfalls for emerging ADLAs. My view is supported by a recent #OuiCapitalreport, which highlights structural barriers preventing financial integration across t he continent. 1. No Pan-African Clearing System Africa has no

One of the more specialised categories attracting attention right now is the Acquirer licence ~ a critical license for any business wanting to provide merchant acquiring services. So, what does it take to become an authorised Acquirer in South Africa? Let’s break it down: Who regulates Acquirers? Acquiring activities fall under the scope of the

What is an ADLA License? An Authorised Dealer in Foreign Exchange with Limited Authority (ADLA) license is a critical requirement for businesses engaged in foreign currency exchange within South Africa. Whether handling cross-border transactions, currency transfers, or forex services, obtaining an ADLA license from the South African Reserve Bank (SARB) ensures compliance with regulatory standards

As businesses scale, outsourcing becomes an essential tool for efficiency and cost-effectiveness. However, while outsourcing can streamline operations, it also introduces significant compliance risks that many companies fail to anticipate. At MDB Law, we often advise clients on the legal and regulatory challenges of outsourcing. Understanding these risks is crucial to protecting your business from

Category II vs. Category III Licenses for Cross-Border Transactions: Choosing the Right Path for Your Business When engaging in cross-border transactions, choosing the right regulatory framework is crucial for long-term business success.  One of the most common questions we receive at MDB Law is: What’s the difference between a Category II (Cat II) and Category