Nikolai Timofejev
15 years in FinTech and payments. Maps your business model to the right structure and leads the file all the way to a compliant launch, including banking and payment rails.
Get a crypto license in Peru.
Peru has no dedicated crypto licence - and we say so plainly. A broader bill has been debated in Congress but not enacted. What works: a properly governed company that registers with the UIF-Perú as a reporting entity and runs an SPLAFT anti-money-laundering programme, inside the SBS supervisory system. We structure it honestly.
27 yrs
on the international marketon the market
60+
in-house specialistsspecialists
400+
Crypto licenses obtainedlicenses obtained
Updated
Peru in brief
No licence - a compliant company that reports to the UIF.
Peru does not have a dedicated crypto or VASP licence, and no one can sell you one. Crypto is legal to trade but is not legal tender, and a broader regulatory bill has been debated in Congress without being enacted. What is actually in force is anti-money-laundering law: Supreme Decree N° 006-2023-JUS brought virtual-asset service providers into the AML regime as reporting entities, supervised by the UIF-Perú - the financial-intelligence unit that sits inside the Superintendencia de Banca, Seguros y AFP (SBS). So the picture is honest and specific: crypto activity is legal, there is no licensing regime, and the real obligations are AML ones.
In practice that means a compliance route rather than a licence. A properly governed Peruvian company registers with the UIF as a reporting entity, runs an AML/CFT prevention system - the SPLAFT - and appoints a compliance officer, with suspicious-transaction and periodic reporting. The Travel Rule for crypto transfers enters force on 1 August 2026, so the bar is rising even without a licensing law. The corporate tax rate is 29.5%, which we plan around from the start. Where a target market needs a supervised permission Peru does not grant, we pair a licensed jurisdiction and say so. We build the compliant structure and track the pending bill so you are first in line if a framework passes.
No dedicated crypto licence in Peru - honestly. A broader bill is pending in Congress. The real route is a governed company plus AML: UIF-Perú registration as a reporting entity and an SPLAFT programme.
Crypto is legal to trade; the standards are real even without a licence. Corporate tax is 29.5% and the Travel Rule arrives in August 2026 - both planned for from the start.
The honest picture
The AML company route - readiness for a law.
Two workstreams: the company plus AML structure that operates now, and the monitoring that converts it if Peru finally legislates. We scope both before any work begins.
The company + AML route operates now; a readiness file converts it if Peru finally legislates.
01 - COMPANY + AML · THE ROUTE
Governed company, real AML
The working structure: a Peruvian company with clean governance, UIF-Perú registration as a reporting entity and an SPLAFT AML programme with a named officer - lawful and credible, without a dedicated licence because none exists.
The working structure: a Peruvian company with clean governance, UIF-Perú registration as a reporting entity and an SPLAFT AML programme with a named officer - lawful and credible, without a dedicated licence because none exists.
- ✓Peruvian company with clean governance
- ✓UIF-Perú registration as a reporting entity
- ✓SPLAFT AML/CFT prevention system
- ✓KYC, monitoring and operations register
- ✓Travel Rule readiness - from Aug 2026
- ✓Banking arranged on full disclosure
02 - READINESS FOR A LAW
Framework pending in CongressPrepared if legislation passes
A broader crypto bill has been debated without passing, and the SBS keeps tightening AML. The readiness file - governance, AML and custody documentation on licence-grade patterns - converts the structure into an applicant if Peru legislates.
A broader bill is pending and the SBS keeps tightening AML - licence-grade compliance now means first in line if a framework lands.
- ✓Broader crypto bill debated - tracked
- ✓SBS/UIF tightening AML and reporting
- ✓Compliance built to licence-grade anyway
- ✓Legislative monitoring - we track drafts
- ✓First in line if a framework lands
- ✓Licensed pairing where markets require it
Costs and timelines are confirmed for your case before any work begins. There is no dedicated crypto licence in Peru - the AML company route is the real path, and we are candid that it is a compliance structure, not an authorisation.
Why Peru
A growing market, approached honestly.
No dedicated law - but a growing market, a real AML standard inside the SBS system, and a Travel Rule arriving in 2026. A properly compliant company is a credible, bankable base.
✓
A growing regional market
Peru has a fast-growing crypto user base and a sizeable remittance economy. Demand is real, which is why building a compliant, bankable structure to serve it lawfully is worth doing well.A fast-growing user base and a large remittance economy.
✓
Legal to operate
Crypto is not banned - it is simply unlicensed. Operating through a governed company that registers with the UIF and runs an SPLAFT programme is lawful, and those standards are what banks and counterparties read.Not banned - unlicensed; the AML route is lawful.
✓
A defined AML standard
UIF-Perú registration and an SPLAFT programme give a clear, enforceable compliance bar. Meeting it makes the business credible - the substance is the product, since there is no licence badge to lean on.UIF-Perú + SPLAFT - a clear, enforceable bar.
✓
Part of the SBS system
AML supervision sits inside the SBS, the country's financial supervisor. That gives the framework real institutional weight, even without a dedicated crypto statute.AML supervision inside the financial supervisor.
✓
Direction of travel
The Travel Rule arrives on 1 August 2026 and a broader bill keeps returning to Congress. Building to licence-grade now means readiness if the law finally lands.Travel Rule in 2026; a bill periodically revived.
✓
Honest guidance
Our value here is candour. We will not sell a Peruvian «licence» that does not exist - we build the real compliant structure, and tell you plainly where its limits are.No selling a licence that does not exist.
How it compares
How Peru differs from other routes.
Peru is the compliant-company play with AML inside the SBS, not a licensing regime. The honest comparison is below.
Peru vs other jurisdictions
| Feature |  Peru | Other jurisdictions |
|---|---|---|
| Regime | Company + AML, no dedicated licence | Dedicated VASP licences |
| AML basis | UIF-Perú registration + SPLAFT | Licence-based supervision |
| Corporate tax | 29.5% | Varies |
| Status | Framework pending in Congress | Enacted regimes |
Regime
PeruCompany + AML, no dedicated licence
Other jurisdictionsDedicated VASP licences
AML basis
PeruUIF-Perú registration + SPLAFT
Other jurisdictionsLicence-based supervision
Corporate tax
Peru29.5%
Other jurisdictionsVaries
Status
PeruFramework pending in Congress
Other jurisdictionsEnacted regimes
Country by country
| Country | License type | Taxation | Requirements |
|---|---|---|---|
| Peru | Company + AML (no dedicated licence) | 29.5% corporate | UIF-Perú + SPLAFT |
 Chile | Fintech Law registration (CMF) | 27% corporate | Registration + authorisation |
 Colombia | Company + AML (no dedicated licence) | 35% corporate | UIAF + SAGRILAFT |
 Brazil | VASP under Law 14.478 (BCB) | 34% combined | Central-Bank supervised |
PeruLicense typeCompany + AML (no dedicated licence)
Taxation29.5% corporate
RequirementsUIF-Perú + SPLAFT
ChileLicense typeFintech Law registration (CMF)
Taxation27% corporate
RequirementsRegistration + authorisation
ColombiaLicense typeCompany + AML (no dedicated licence)
Taxation35% corporate
RequirementsUIAF + SAGRILAFT
BrazilLicense typeVASP under Law 14.478 (BCB)
Taxation34% combined
RequirementsCentral-Bank supervised
Doing it properly
What the compliant structure contains.What the compliant structure contains.
No licence does not mean no standards - the UIF registration and SPLAFT obligations are real, and the Travel Rule arrives in 2026. The checklist below is what we build.
01
Peruvian company - incorporated with clean governance and transparent ownership to UBOs.
02
UIF-Perú registration - as a reporting entity under the AML regime, within the SBS.
03
SPLAFT programme - the AML/CFT prevention system with risk assessment, policies and procedures.
04
Named compliance officer - an oficial de cumplimiento appointed with real authority.
05
KYC and monitoring - client due diligence, ongoing monitoring and an operations register.
06
Reporting - suspicious-transaction and periodic filings to the UIF-Perú.
07
Travel Rule readiness - the crypto-transfer information rule that enters force in August 2026, built in ahead of time.
08
Custody and systems documentation - wallet architecture described to international standards.
09
Banking file and clean books - accounts arranged on full disclosure, with accounting a bank and a future regulator read as an asset.
10
Legislative monitoring - the pending bill tracked, the structure updated as drafts move.
11
Licensed pairing - a supervised base alongside where a target market needs a permission Peru does not grant.
01
Peruvian company with clean governance.
02
UIF-Perú registration as a reporting entity.
03
SPLAFT AML/CFT prevention system.
04
Named compliance officer.
05
KYC, monitoring and operations register.
06
STR and periodic reporting to the UIF.
07
Travel Rule readiness - from Aug 2026.
08
Custody and systems documentation.
09
Banking file and clean books.
10
Legislative monitoring of the pending bill.
11
Licensed pairing where needed.
Reflects Peru's general company law and AML framework (UIF-Perú, SPLAFT) as of 2026. There is no dedicated crypto licence - in writing, not in small print. The Travel Rule enters force on 1 August 2026.General company law + AML (UIF-Perú, SPLAFT), as of 2026. No licence; Travel Rule from 1 Aug 2026.
How it works
From first call to a compliant structure.
01
Strategy and honesty
The real status, your AML obligations and the banking plan - fixed in writing before anything incorporates.Status, AML obligations, banking - in writing.
02
Company and governance
Peruvian incorporation with clean governance and transparent ownership - the base the AML route needs.Incorporation, clean governance, UBOs.
03
UIF and SPLAFT
Registration, reporting and a full SPLAFT programme with a named compliance officer - built to standard.Registration, reporting, programme, officer.
04
Banking and operations
Accounts arranged on disclosure; Travel Rule readiness built in; the structure live on rails that hold.Accounts on disclosure; Travel Rule readiness built in.
05
Monitor and convert
The pending bill tracked - if Peru legislates, the prepared file enters first.First in line if Peru legislates.
Quick facts
Dedicated lawNone - pending
RouteCompany + AML
AML reportingUIF-Perú
SupervisorSBS
Prevention systemSPLAFT
Travel RuleFrom Aug 2026
Corporate tax29.5%
CurrencyPEN
Anyone selling a «Peruvian crypto licence» in 2026 is selling paper. The honest product is the compliant company and AML structure - and it is a real, bankable one.
On the ground in Peru
Run from our Dubai office, with Peruvian counsel.
Prifinance - Peru desk
Lima · Peru
Lima, Peru
01
Peruvian incorporation
Company formation with clean governance - the corporate layer the AML route sits on, built properly.Clean governance - the base for the AML route.
02
UIF and SPLAFT
Registration and reporting to the UIF-Perú and a full SPLAFT AML programme - drafted, filed and maintained to standard.Registration, reporting and programme - maintained.
03
Compliance officer and Travel Rule
An oficial de cumplimiento, the ongoing monitoring the SBS expects, and Travel Rule readiness ahead of the August 2026 deadline.An oficial de cumplimiento; ready for Aug 2026.
04
Banking and readiness
Accounts arranged on disclosure, and the readiness file kept current so you are first in line if a framework passes.Accounts on disclosure; ready for a future law.
We also have offices in
Tallinn
Estonia
Roseni 13
Vilnius
Lithuania
Gedimino pr. 2
Prague
Czech Republic
Vlkova 532/8, Žižkov
London
United Kingdom
7 Bell Yard
Dubai
UAE
33 Level, Al Saqr Business Tower
Madeira
Portugal
Rua da Alegria 31, 1F
Istanbul
Turkey
Perpa Ticaret Merkezi, A Blok
Good to know
Taxation of crypto companies in Peru.
No crypto-specific corporate levy - company profits carry Peru's 29.5% corporate rate, a mid-range Latin American position, so the tax plan is set deliberately from the start.
29.5% corporate rate
The general corporate income tax rate is 29.5% on company profits - mid-range for the region. We model it carefully, because it is a real cost that structuring has to account for.Mid-range for the region - modelled carefully.
Crypto gains
Gains from crypto are generally treated as taxable income; the individual position depends on classification and residence. We plan it rather than assume a favourable read.Generally taxed as income - planned, not assumed.
IGV (VAT) considerations
Peru's VAT, the IGV at 18%, applies to supplies of services in the usual way; how it maps onto crypto fee income depends on the activity. We plan the position rather than assume an exemption.Service-specific - planned, not assumed.
The rate shapes structure
At 29.5%, Peru is a moderate base. For internationally-facing models, we model whether a compliant Peruvian company is the operating heart or one node in a wider, honestly-disclosed structure.Peru as the heart, or one honest node.
A digital tax authority
SUNAT runs increasingly digital systems with clear obligations. Positions are researchable, which helps as crypto tax practice continues to settle without a dedicated law.SUNAT - researchable positions.
Records serve both
The UIF and SPLAFT record-keeping the route requires also underpins the tax position - compliance-grade books double as tax-office-grade books.Compliance-grade books serve tax too.
Tax summary
Corporate income tax29.5%
Crypto gainsTaxed as income
IGV (VAT)18%
AML reportingUIF-Perú (SBS)
CurrencyPEN
Crypto-specific rulesNone - general system
*As of 2026. At 29.5%, the corporate rate is a real factor - we model the structure honestly around it.
Turnkey professional support
Experienced lawyers and international consultants.
We provide end-to-end support, from company registration and the AML programme to regulatory interaction and compliance oversight - with an individualized approach to each client.
Oleksii Kindratenko
Builds the application itself: Peruvian company, SPLAFT and UIF registration pack, capital structure and tax registrations. His document sets are the reason reviews finish in months, not years.
Eugeniu Bevziuc
First point of contact for international founders. Runs the whole setup remotely, across time zones and languages - from the first call to a clean, compliant business.
Follow Prifinance
Active across our channels.
Peru · AML route
Launch your crypto project in Peru with expert support.
Full-service setup - the compliant company and AML structure today, readiness for any future framework.
Get a consultation →Free legal opinion
Is Peru the right fit for your project?
Our legal team will analyze your case at no cost and provide a written legal opinion: which jurisdiction, structure, or route fits your business.
Written assessment within 2-5 business days
Request a free conclusion →FAQ
The Peru crypto route, answered honestly.
Is there a crypto licence in Peru?+
No - there is no dedicated crypto or VASP licence. A broader bill has been debated in Congress without passing. Virtual-asset providers are AML reporting entities that register with the UIF-Perú. Anyone selling a «Peruvian crypto licence» is describing something that does not exist.
So is operating legal?+
Yes, when done properly. Crypto is legal to trade - it is simply unlicensed. Operating through a governed company that registers with the UIF and runs an SPLAFT programme is lawful, and those standards are what banks read.
What is the UIF-Perú?+
Peru's financial-intelligence unit, a specialized part of the SBS. Virtual-asset providers register with it as reporting entities and file suspicious-transaction and periodic reports as part of the AML system.
What is SPLAFT?+
The AML/CFT prevention system Peruvian reporting entities must run - risk assessment, KYC, monitoring, an operations register and a named compliance officer. We build it to standard.
When does the Travel Rule apply?+
The rule requiring originator and beneficiary information to travel with crypto transfers enters force on 1 August 2026. We build readiness in ahead of the deadline, so it is not a scramble later.
Is a licensing law coming?+
Possibly. A broader framework has been debated in Congress before and the SBS keeps tightening AML rules. We track the drafts and keep your structure conversion-ready, so you are first in line if one passes.
How are crypto companies taxed?+
A 29.5% corporate rate on company profits, with gains generally taxed as income and an 18% IGV to plan around. We map the position to your model from the start rather than assume a favourable read.
Why Peru with you?+
Because the value is in the compliance detail: the UIF registration, the SPLAFT programme, Travel Rule readiness, the banking file. We build Peruvian structures to the standard licensed firms keep - which is what makes them bankable and future-ready.
Is there a crypto licence?+
No - a broader bill is pending; VASPs register with the UIF.
Is operating legal?+
Yes - governed company + UIF + SPLAFT.
What is the UIF-Perú?+
The financial-intelligence unit inside the SBS.
SPLAFT?+
The required AML prevention system - built to standard.
Travel Rule date?+
In force from 1 August 2026 - readiness built in.
A law coming?+
Possibly - debated before; we track the drafts.
Company taxes?+
29.5% corporate; gains taxed as income; 18% IGV.
Why with us?+
The compliance detail makes it bankable.
Client notes
Google4.7★★★★★
Founders who wanted it done right.
Google4.7★★★★★
“As a software development crew at FewMoreTaps OÜ, we've had the pleasure of working with Prifinance on some key financial moves.First of all, navigating the world of corporate banking and finance can be a maze, but Prifinance made it feel like a walk in the park. They helped us set up a corporate bank account without the hassle of jumping on a plane or drowning in paperwork. Everything was done remotely, smoothly…”
Google
“I had their assistance in company registration and I would recommend them. They were answering all my clarification during the process and offering all their supportThank you Daniel and Irinia”
Google
“We found PRIFINANCE COMPANYvia the Internet and asked for help in organizing the opening of their company in Estonia. PRIFINANCE COMPANY specialists helped us a lot with this. Their professional, competent approach and knowledge of their business left us with only the best impressions.”
Google
“I'm thrilled with my experience with PriFinance! They helped me obtain a crypto license in Estonia without any hassle. The team was super understanding and always available to answer my questions and assist. It was great to see how they put effort into preparing the documents to ensure everything went smoothly. I'm delighted with the outcome and highly recommend PriFinance to anyone looking to get a license…”
Google
“Opening an account with Prifinance in a Swiss bank was such an easy and quick process that I was shocked. It all started with the first call, where I received detailed guidance on the required documents and the entire procedure.One of the key highlights was their attention to detail. As someone who usually gets tangled up in paperwork, I was pleasantly surprised when they sent me all the documents and…”
Google
“I recently had the pleasure of working with Boris.. and I must say, it was a fantastic experience. Boris went above and beyond to assist me with my residency needs. His professionalism, knowledge, and dedication truly stood out. I highly recommend working with Boris and the team!”
Google
Start today
One message away from your Peru structure.
Get a free legal opinion on your project - our legal team will analyze your case at no cost and provide a written legal opinion: which jurisdiction, structure, or route fits your business.Free legal opinion: which Peru structure fits your project and what it will cost.
✓Written legal opinion within 2-5 business days - free of charge✓A clear recommendation on the right structure, not a sales pitch✓Transparent fixed fees, confirmed up front✓EN · RU · ES speaking team
Prifinance is an independent law and advisory firm. We are not a regulator and are not affiliated with, endorsed by, or acting on behalf of the UIF-Perú, the SBS or any other public authority. Registrations are made with, and obtained directly from, the competent authorities.