Fintech & Financial Regulation · May 23, 2026
The Philippines has emerged as one of Southeast Asia's most dynamic fintech markets — but for foreign founders and investors looking to build, scale, or launch digital financial services in the country, the regulatory path is a minefield of licensing requirements, moratoriums, capitalization thresholds, and compliance obligations that change year by year. This article explains the Philippine fintech regulatory landscape in 2026, covering the Bangko Sentral ng Pilipinas (BSP) licensing framework, the Securities and Exchange Commission (SEC) registration process for fintech entities, the Anti-Money Laundering Council (AMLC) compliance regime, the National Privacy Commission (NPC) obligations, the Anti-Financial Account Scamming Act (RA 12010) and BSP Circular No. 1213's expanded compliance mandates, and the practical roadmap for foreign investors seeking to establish a compliant fintech presence in the Philippines.
Sarah Camille Francisco
Fintech & Financial Regulation · April 21, 2026
From covered transaction reporting thresholds to FATF delisting milestones and BSP circular enforcement, this guide gives foreign investors a legal overview of AMLA compliance obligations in the Philippines — including who qualifies as a covered person, what transactions must be reported, the consequences of non-compliance, and the practical steps foreign companies can take to manage criminal and regulatory exposure under Republic Act No. 9160, as amended.
Garreth-Daniel Tungol
Fintech & Financial Regulation · March 4, 2026
A concise FAQ for expats, foreign investors, and digital nomads on opening a Philippine bank account — what you need, which accounts are available, and what the law actually says.
Daniel John Fordan
Fintech & Financial Regulation · December 5, 2025
A guide to BSP licensing requirements for Money Services Businesses in the Philippines, including E-Money Issuers, Remittance Agents, and Virtual Asset Service Providers (VASPs).
Garreth-Daniel Tungol
Fintech & Financial Regulation · December 1, 2025
Payment system operators looking to engage in merchant acquisition activities must obtain a Merchant Acquisition License from the BSP. This guide covers the requirements, application process, and compliance obligations under the latest 2024-2025 regulations.
Daniel John Fordan
Tax & Incentives · March 5, 2026
Foreign investors can freely repatriate profits from the Philippines — but only if the right registrations and documentation are in place. Here's a step-by-step checklist covering BSP registration, tax clearances, and banking requirements.
Joren Lex Tan
