Nikolai Timofejev
15 years in FinTech and payments. Maps your business model to the right licence scope and leads the file all the way to the CGA decision, including banking and payment rails.
Get a gambling license in Curaçao.
iGaming's most famous flag has been rebuilt: under the LOK, the Curaçao Gaming Authority licenses operators directly - an online gaming licence for B2C, a supplier licence for B2B - through a Curaçao company with a resident managing director, in two eight-week phases, from provisional licence to one of indefinite duration. The master-licence era is over; the direct-licence era is priced for the same operators.
27 yrs
on the international marketon the market
60+
in-house specialistsspecialists
400+
Licenses obtainedlicenses obtained
Updated
Curaçao in brief
The rebuilt default of global iGaming.
For a generation, Curaçao meant sub-licences hanging off four master licences - cheap, fast and thin. That system is gone: the National Ordinance for Games of Chance (LOK) entered into force in December 2024, and the Curaçao Gaming Authority now licenses every operator directly. The architecture is legible: an online gaming licence for B2C operators and a supplier licence for providers of critical B2B services such as games and sportsbook platforms; applicants must be legal entities established under Curaçao law with their statutory seat on the island and at least one managing director who is a Curaçao resident. The process runs in two phases with a published service target of eight weeks per phase (extendable by four), producing a provisional licence of up to six months and then a definitive licence of indefinite duration, held against ongoing conditions, reporting and the CGA's information-security requirements.
Why the rebuilt flag still leads the volume market: the licence remains the fastest credible B2C permission with global reach outside ring-fenced markets, the cost base - fees per the CGA's published schedule, island substance, 22% profit tax planned properly - undercuts every European alternative, and the ecosystem of platforms, PSPs and game studios wired for Curaçao is the industry's largest. The difference is that the register now means something: files are reviewed, key persons are vetted, and renewals are earned. We build the Curaçao company, the resident-director substance, the two-phase file and the compliance machinery end to end - from our Willemstad office.
The rebuilt default: under the LOK (in force 24.12.2024) the CGA licenses directly - online gaming (B2C) and supplier (B2B) licences via a Curaçao BV with resident managing director, two 8-week phases, provisional then indefinite term.
Volume-market economics with a real register. Ring-fenced markets still need their own licences - we structure the group cleanly.
The two licences
Online gaming - or the supplier licence.
The LOK splits the industry the modern way: B2C operators under the online gaming licence, platform and content providers under the supplier licence. We fix the lane first, then build once.
The B2C operator licence - or the B2B supplier licence.
01 - ONLINE GAMING LICENCE · B2C
The operator licence
The direct CGA permission for casino, sportsbook and games of chance offered in or from Curaçao: the global-book B2C licence, held through a Curaçao entity with resident direction, from provisional to indefinite term.
The direct CGA permission for casino, sportsbook and games of chance offered in or from Curaçao: the global-book B2C licence, held through a Curaçao entity with resident direction, from provisional to indefinite term.
- ✓Casino · sportsbook · games of chance
- ✓Direct licence from the CGA
- ✓Curaçao BV with statutory seat on-island
- ✓Resident managing director
- ✓Two-phase review - 8 weeks per phase
- ✓Provisional (6 months) → indefinite
02 - SUPPLIER LICENCE · B2B
Critical services & goodsThe supplier licence
The licence for providers of gambling-critical services and goods. Game and sportsbook software, platforms and adjacent supply. The B2B lane that turns vendors into licensed counterparties.
Supplier licence for games, sportsbook software and critical supply. The licensed-counterparty stamp of the ecosystem.
- ✓Games and sportsbook software
- ✓Platform and critical supply
- ✓Same Curaçao-entity anchor
- ✓Same two-phase review
- ✓Licensed-counterparty standing
- ✓The ecosystem's B2B stamp
Costs and timelines are confirmed for your case before any work begins. CGA fees follow its published schedule. Application, licence and domain lines are itemised in your quote.
Why Curaçao
The volume market's home flag, now with a register.
Curaçao kept the economics that built iGaming's default flag, and added the supervision that keeps it bankable.
✓
The fastest credible B2C
Two eight-week phases to a working licence - no other global-reach B2C permission moves at this clock with a real review behind it.16 weeks of phases.
✓
Direct licences, real register
The master-licence era is over: every operator holds its own CGA licence, vetted and revocable, which is exactly what banks and PSPs needed to keep saying yes.Direct, vetted, revocable.
✓
The industry's ecosystem
Platforms, aggregators, PSPs and studios are pre-wired for Curaçao. Integration timelines here are measured in weeks, not quarters.Pre-wired everywhere.
✓
Defined local anchor
A Curaçao entity with a resident managing director. Substance that is real but proportionate, priced for the volume market.BV + resident director.
✓
Indefinite licence term
Past the provisional phase, the licence runs indefinitely against ongoing conditions - no annual re-application cliff.No annual cliff.
✓
Economics that still lead
Schedule-based fees, proportionate substance and 22% profit tax planned properly. The European alternatives start several multiples higher.Multiples below the EU.
How it compares
How Curaçao differs from other routes.
Side by side: the volume flag with the fastest clock. Ring-fenced markets still need their own licences.
Curaçao vs other jurisdictions
| Feature |  Curaçao | Other jurisdictions |
|---|---|---|
| Regime | LOK - direct CGA licences | EU regimes or point-of-consumption |
| Clock | 2 × 8 weeks by phase | 6-18 months typical |
| Reach | Global book, non-ring-fenced | Licensed markets only |
| Cost base | Volume-market economics | Multiples higher |
Regime
CuraçaoLOK - direct CGA licences
Other jurisdictionsEU regimes or point-of-consumption
Clock
Curaçao2 × 8 weeks by phase
Other jurisdictions6-18 months typical
Reach
CuraçaoGlobal book, non-ring-fenced
Other jurisdictionsLicensed markets only
Cost base
CuraçaoVolume-market economics
Other jurisdictionsMultiples higher
Country by country
| Country | License type | Taxation | Requirements |
|---|---|---|---|
| Curaçao | CGA online gaming · supplier | 22% profit tax · planned | Curaçao BV, resident director |
 Malta | MGA B2C · B2B | 5% eff. via refunds · 5% Malta GGR | €100k/€40k capital, key functions |
 Isle of Man | OGRA licence | 0% CIT · tiered duty | IoM company, local substance |
 Gibraltar | B2C £100k · B2B £85k | 15% CIT · 0.15% duty | Substance, blue-chip vetting |
CuraçaoLicense typeCGA online gaming · supplier
Taxation22% profit tax · planned
RequirementsCuraçao BV, resident director
MaltaLicense typeMGA B2C · B2B
Taxation5% eff. via refunds · 5% Malta GGR
Requirements€100k/€40k capital, key functions
Isle of ManLicense typeOGRA licence
Taxation0% CIT · tiered duty
RequirementsIoM company, local substance
GibraltarLicense typeB2C £100k · B2B £85k
Taxation15% CIT · 0.15% duty
RequirementsSubstance, blue-chip vetting
Before you apply
Requirements for the Curaçao licence.Requirements for the licence.
The CGA reviews in two phases against published conditions. The checklist below is what a passing file contains.
01
Curaçao legal entity. Established under Curaçao law with its statutory seat on the island.
02
Resident managing director. At least one natural-person director resident in Curaçao (or a resident-directed corporate director).
03
Clean ownership. UBOs disclosed and vetted, with source-of-funds evidence.
04
Key persons file. The individuals behind operations, compliance and technology, documented for review.
05
Business and product plan. Brands, domains, games, target markets and projections the CGA can interrogate.
06
Responsible-gaming framework. Player protection, self-exclusion and age controls engineered into the product.
07
AML/CFT programme. KYC, monitoring and reporting aligned to Curaçao law, with named ownership.
08
Information-security compliance. The CGA's published ISCR requirements mapped to your stack.
09
Domain and brand schedule. Every consumer-facing domain declared and kept current.
10
Phase discipline. Documents complete per phase, because completeness is what holds the eight-week clock.
01
Curaçao BV, seat on-island.
02
Resident managing director.
03
UBOs vetted, funds sourced.
04
Key persons documented.
05
Interrogable product plan.
06
Responsible gaming built in.
07
AML with named owners.
08
ISCR security mapped.
09
Domain schedule current.
10
Complete at every phase.
Reflects the LOK and CGA published conditions as of 2026. Fees per the CGA schedule.LOK + CGA conditions, as of 2026.
How it works
From first call to the CGA register.
01
Lane and structure
B2C or supplier, brands and markets mapped. Fixed in writing before any drafting.B2C or supplier - fixed.
02
Entity and director
Curaçao BV with statutory seat and resident managing director. The anchor stood up.The anchor stood up.
03
Phase one
The first-phase file submitted complete. The eight-week service clock held by our preparation.Complete - clock held.
04
Provisional licence · phase two
Operations live under the provisional licence while the second phase completes.Live while completing.
05
Definitive licence
The indefinite-term licence granted. Conditions, reporting and renewals owned as a calendar.Indefinite, calendared.
Quick facts
RegulatorCGA
FrameworkLOK · 24.12.2024
B2C licenceOnline gaming
B2B licenceSupplier
Local anchorBV + resident director
Phase clock8 weeks × 2
Provisional termUp to 6 months
Definitive termIndefinite
The CGA's clock runs on complete files. Arriving complete at both gates is the entire schedule strategy, and our job.
On the ground in Curaçao
Run from our Willemstad office.
Prifinance - Curaçao
Willemstad · Curaçao
Willemstad, Curaçao
01
Curaçao BV formation
Incorporation with statutory seat on-island, resident managing director arranged. The local anchor the LOK demands, built properly.Anchor built properly.
02
The two-phase file
Corporate, key-person, product and security documentation prepared to phase. Complete at each gate, because completeness holds the clock.Complete at each gate.
03
Compliance machinery
Responsible gaming, AML and information-security requirements turned into running systems before launch.Machinery, not memos.
04
Ecosystem wiring
Platforms, PSPs and game suppliers pre-wired for Curaçao. Integrations sequenced with the licence phases.Integrations sequenced.
We also have offices in
Tallinn
Estonia
Roseni 13
Vilnius
Lithuania
Gedimino pr. 2
Prague
Czech Republic
Vlkova 532/8, Žižkov
Dubai
UAE
33 Level, Al Saqr Business Tower
London
United Kingdom
7 Bell Yard
Madeira
Portugal
Rua da Alegria 31, 1F
Istanbul
Turkey
Perpa Ticaret Merkezi, A Blok
Good to know
Taxation of gaming operators in Curaçao.
Volume-market economics: schedule-based fees and a 22% profit tax that planning treats properly.
Profit tax 22%
Curaçao's corporate profit tax headline. With the structure, deductions and group design modelled before launch, not after.Planned properly.
Fees per published schedule
Application, licence and domain fees follow the CGA's schedule. Predictable line items, itemised in your quote.Predictable lines.
No VAT on the book
The international gaming book sits outside local turnover taxes in the standard case. The P&L stays clean of indirect drag.No indirect drag.
Proportionate substance cost
Resident director and island presence price at Caribbean rates. Substance that satisfies without European overheads.Caribbean-priced.
Group architecture matters
IP, platform and marketing entities around the licence decide the effective rate. Designed with the licence, not bolted on.Sets the effective rate.
Owner-level planning
CFC and residency rules in the founders' countries set the final outcome. Modelled per structure from day one.CFC modelled.
Tax summary
Profit tax22%
Licence costsPer CGA schedule
Indirect tax on bookNone in standard case
Substance costCaribbean-priced
Planning levelGroup + owner
*As of 2026 per Curaçao tax law and the CGA schedule. Group and founder-level outcomes are modelled per structure.
Turnkey professional support
Experienced lawyers and international consultants.
We provide end-to-end support, from company registration and the application file to regulatory interaction and compliance oversight - with an individualized approach to each client.
Oleksii Kindratenko
Builds the application itself: Curaçao company, AML/KYC policy 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 live, licensed operator.
Follow Prifinance
Active across our channels.
Curaçao · CGA
Launch your gaming project in Curaçao with expert support.
Full-service assistance - from the Curaçao BV and resident director to the two-phase licence, compliance machinery and ongoing conditions - run through our Willemstad office.
Get a consultation →Free legal opinion
Is Curaçao the right fit for your project?
Our legal team will analyze your case at no cost and provide a written legal opinion: which jurisdiction, licence scope, or route fits your business.
Written assessment within 2-5 business days
Request a free conclusion →FAQ
The Curaçao gaming licence: frequent questions.
What licence does an online casino need in Curaçao?+
A direct licence from the Curaçao Gaming Authority under the LOK: the online gaming licence for B2C operators offering games of chance in or from Curaçao, or the supplier licence for providers of gambling-critical services such as games and sportsbook software.
What happened to master licences and sub-licences?+
The LOK ended that era when it entered into force on 24 December 2024. Every operator now holds its own licence from the CGA, on its own file - sub-licences are history, and the register is policed.
What local presence is required?+
A legal entity established under Curaçao law with its statutory seat on the island, managed by at least one Curaçao-resident managing director - the defined, proportionate anchor of the new regime.
How long does licensing take?+
The CGA's service target is eight weeks per phase across two phases, extendable by four weeks each, on complete files. A provisional licence of up to six months bridges you into the definitive licence of indefinite duration.
What does the licence cost?+
Fees follow the CGA's published schedule - application, licence and per-domain lines - with substance and compliance the other budget items. Everything is itemised in your quote before work begins.
Which markets can a Curaçao licensee serve?+
The global book outside ring-fenced markets - jurisdictions that require local licences (the UK, MGA-covered EU targeting, regulated US states and similar) need their own permissions. We map your market list precisely and structure the group accordingly.
How are Curaçao operators taxed?+
The corporate profit tax headline is 22%, with the effective picture set by group architecture - IP, platform and marketing entities, and by the founders' own CFC and residency rules. Licence fees run per the CGA schedule.
What ongoing obligations follow the licence?+
Ongoing conditions and reporting, the CGA's information-security requirements, responsible-gaming and AML machinery, and a current domain schedule - a compliance calendar we stand up with the licence.
Is the new Curaçao licence accepted by banks and PSPs?+
Better than the old one - direct licensing with a real register was precisely what the payment ecosystem asked for. The industry's largest processor and platform network remains wired for Curaçao.
Why Prifinance for Curaçao?+
A Willemstad office, the resident-director anchor arranged properly, two-phase files built complete and the compliance machinery delivered as systems - the rebuilt flag, done the rebuilt way.
What licence?+
Direct CGA - B2C or supplier.
Sub-licences?+
Ended - LOK, Dec 2024.
Presence?+
BV + resident director.
How long?+
8 weeks × 2 phases.
Cost?+
Per CGA schedule.
Markets?+
Global book, non-ring-fenced.
Taxes?+
22%, group-planned.
Ongoing?+
Conditions, ISCR, domains.
Banks accept?+
Better than ever.
Why you?+
Willemstad office, complete files.
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
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Google
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Google
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Google
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Google
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Google
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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 Curaçao Gaming Authority (CGA) or any other public authority. Authorisations are granted by, and obtained directly from, the competent authorities.