菲律宾SEC启动加密创新沙盒计划｜合规准入指南
作者：东南亚合规中心编辑团队
TL;DR · 核心要点
菲律宾证券交易委员会（SEC）正式开放加密资产创新沙盒申请，允许符合条件的金融科技企业开展受监管的试点项目。该沙盒旨在平衡创新与投资者保护，适用于区块链、数字资产发行、DeFi及跨境支付等场景。关键合规要求包括：申请人须为菲律宾注册实体或与本地持牌机构合作；提交详细业务模型、风险评估及退出机制；遵守AML/KYC及 cybersecurity标准；接受SEC全程监督并按季度报告。企业需在沙盒期内完成合规验证，否则不得转入正式运营。对中资及国际企业而言，此举提供低风险入菲路径，但必须前置完成本地实体设立、反洗钱制度搭建及SEC预沟通，避免因资质不符导致申请驳回或项目中断。
✅ 合规行动清单 · Compliance Checklist
- ›立即向SEC-PH官网提交沙盒意向函（Letter of Intent），注明技术方案与目标用户群体
- ›在提交正式申请前60日内完成菲律宾公司注册及BSP/SEC双重反洗钱制度备案
- ›聘请经SEC认可的本地合规顾问，于申请材料提交后30日内完成首轮风险评估报告
- ›Submit a Letter of Intent to SEC-PH via the official sandbox portal, specifying use case, target market, and technical architecture
- ›Register a Philippine-incorporated entity and file AML/CFT compliance program with both SEC-PH and Anti-Money Laundering Council (AMLC) before full application
- ›Engage an SEC-accredited local compliance consultant to conduct and submit a preliminary risk assessment report within 30 days of formal application submission
English Summary
The Securities and Exchange Commission of the Philippines (SEC-PH) has opened applications for its Crypto Innovation Sandbox, enabling fintech firms to test blockchain-based financial products—including tokenized assets, DeFi protocols, and cross-border crypto payment solutions—under temporary regulatory relief. Eligible applicants must be incorporated in the Philippines or partner with a local SEC-licensed entity; submit comprehensive proposals covering business model, investor protection safeguards, AML/CFT compliance, cybersecurity controls, and exit strategy; and commit to real-time reporting and SEC supervision. There is no fixed application deadline, but approvals are granted on a rolling basis subject to capacity and risk assessment. Foreign businesses must establish a Philippine legal entity prior to application and appoint a local compliance officer. The sandbox does not exempt participants from data privacy (NDPR), tax (BIR), or BSP anti-money laundering requirements. Successful sandbox participants may receive expedited licensing pathways—but failure to meet reporting or risk-mitigation obligations results in immediate suspension.
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