DIFC Company Setup: Costs, Licences, and the DFSA Framework Explained

The Dubai International Financial Centre (DIFC) is not simply a free zone. It is an autonomous jurisdiction — a financial centre within a city — that operates under its own legal system based on English common law, governed by its own independent regulator, and home to the regional headquarters of some of the world’s most significant financial institutions. HSBC, Goldman Sachs, JPMorgan, Barclays, and hundreds of global banks, asset managers, law firms, and professional services companies have built their Middle East operations inside the DIFC. Over 5,000 companies are registered here. More than 30,000 professionals work within its 110-acre district.

Setting up in DIFC in 2026 is a deliberate strategic choice, not a cost-competitive one. It is the right choice for financial services firms, regulated entities, professional services companies, family offices, and fintech businesses that need what DIFC specifically offers: English common law governance, DFSA regulatory credibility, access to institutional counterparties, and a legal environment that global investors, banks, and fund managers recognise and trust. It is the wrong choice for cost-sensitive startups, commodity traders, and businesses primarily serving the UAE domestic market.

DIFC Company Setup

Why DIFC? The Case for the World’s Most Credible Financial Free Zone

DIFC was established in 2004 with a singular purpose: to create a financial centre in Dubai that the world’s leading institutions would take seriously. Two decades later, it has achieved that goal comprehensively. DIFC is consistently ranked among the world’s top 10 financial centres alongside London, New York, Hong Kong, and Singapore. In 2024 alone, it processed over 2,400 new licence applications — spanning global banks to fintech startups.

The core value proposition of DIFC rests on five pillars that no other UAE free zone can replicate:

DIFC Company Setup

DIFC Advantage

What It Means in Practice

English common law jurisdiction

DIFC Courts apply English common law independently of UAE federal civil law. Contracts governed by DIFC law are familiar and enforceable for counterparties in London, New York, Singapore, and beyond. This is a non-negotiable requirement for many institutional arrangements.

Independent DFSA regulation

The Dubai Financial Services Authority regulates financial services to standards comparable to the FCA, SEC, and MAS. A DFSA-regulated entity carries international institutional credibility that no other UAE licence can provide.

50-year corporate tax guarantee

DIFC entities benefit from a 0% corporate tax guarantee for 50 years from incorporation. This provides long-term fiscal certainty, distinct from the general UAE QFZP framework which requires annual assessment.

MEASA gateway

DIFC sits at the crossroads of the Middle East, Africa, and South Asia — a combined market of over 3 billion people and USD 7.7 trillion in combined GDP. For firms building regional operations, no better base exists.

Institutional ecosystem

Over 5,000 companies, 30,000+ professionals, and the regional offices of virtually every major global financial institution. Deal flow, co-investor access, and client proximity are structural advantages of the DIFC address.

 

“DIFC is not a free zone in the conventional sense. It is a regulated financial centre that happens to offer the fiscal benefits of a free zone. For businesses that need what DIFC provides — common law governance, DFSA credibility, institutional ecosystem access — the premium is not a cost. It is the product.”

— Affinitas FZCO Advisory Team, 2026

 

Official source: DIFC official portal — difc.ae  |  DFSA — Dubai Financial Services Authority  |  Global Financial Centres Index (GFCI)

AFFFINITAS

DIFC Licence Types: The Complete 2026 Framework

DIFC’s licensing system is activity-based: your intended business activities determine your licence category, not the other way around. This is the most important concept to grasp before beginning any DIFC application. A company that accidentally registers for an activity that falls under ‘Financial Services’ when it only intended to ‘consult’ will face DFSA capital requirements and a regulatory application process it did not plan or budget for.

 

Track 1: DFSA-Regulated Financial Services Licences

If your business conducts regulated financial activities — managing client assets, operating a fund, providing investment advice, banking, insurance, or payment services — you require a DFSA licence. The DFSA categorises financial services by risk level:

 

DFSA Category

Permitted Activities

Minimum Capital Requirement

Best For

Category 1

Full-service banking: deposit-taking, lending, credit facilities

USD 10,000,000+

Commercial banks, investment banks, credit institutions

Category 2

Principal dealer: dealing in investments as principal, not acting as agent

USD 2,000,000

Proprietary trading desks, principal dealers

Category 3A

Asset management: managing assets or operating a collective investment fund

USD 500,000

Asset managers, fund managers, portfolio managers

Category 3B

Providing custody: safeguarding client assets

USD 4,000,000

Custodian banks, custody service providers

Category 3C

Managing assets + advisory: combined management and arranging

USD 500,000

Wealth managers combining management with advice

Category 3D

Operating a payment account or providing payment services

USD 1,000,000

Payment service providers, e-money institutions

Category 4

Advisory only: financial advisory and arranging without holding client assets

USD 10,000

Independent financial advisers, arrangers, introducers — lowest capital DFSA licence

Representative Office

Marketing and liaison only — no regulated activities

None

Foreign regulated firms establishing a Dubai presence without full DFSA authorisation

 

Activity determines category — always. If you offer both advisory (Cat 4) and asset management (Cat 3A), your highest-risk activity governs. You are licensed at Category 3A, with Cat 3A capital requirements, even if most of your work is advisory. Misidentifying your category at application causes costly re-submissions and delays. Affinitas maps your intended activities before any application is filed.

DIFC Company Setup

Track 2: Non-Regulated Commercial Licences (No DFSA Required)

The majority of DIFC companies — law firms, consultancies, tech companies, family offices, holding entities, and professional services firms — do not require DFSA authorisation. These entities register with the DIFC Registrar of Companies and comply with DIFC corporate law, but their business activities do not constitute regulated financial services.

 

Licence / Structure

Permitted Activities

Key Feature

Who It Suits

Non-Financial Services Commercial Licence

Management consulting, legal advisory, accounting, IT, HR, marketing, PR, technology services

Standard DIFC incorporation — fastest and most affordable non-regulated route

Law firms, consultancies, tech companies, professional services

Innovation Licence (DIFC Innovation Hub)

Developing, testing, and commercialising innovative products: AI, fintech, Web3, blockchain, SaaS

USD 400/year licence fee for qualifying companies (valid up to 4 years). Access to DIFC FinTech Hive sandbox and ecosystem.

Fintech startups, AI companies, blockchain developers, early-stage tech companies

Active Enterprise Commercial Package (from July 2024)

Full operational capability with employees — broader activity scope than Prescribed Companies

Can employ staff and operate commercially, unlike Prescribed Companies. Flexible for family offices and small operational entities.

Family offices, holding companies needing staff, small operational entities

Prescribed Company (PC)

Pure holding vehicle: asset holding, SPV, securitisation, ring-fencing liabilities

Cannot employ staff. No DFSA licence required. Reduced regulatory requirements and costs. Physical office not required.

SPV structures, asset holding, securitisation vehicles, private wealth holding

DIFC Foundation

Succession planning, private wealth protection. Legal personality separate from founders.

No shareholders. Governed by Foundation Council. Distinct from trusts. Increasingly preferred for multi-generational wealth structuring.

Family wealth succession, philanthropy, endowments, asset protection across generations

Branch of Foreign Company

Mirror parent company activities in DIFC without creating a new legal entity

Parent company retains 100% control. Cannot conduct regulated financial services unless separately licensed.

Multinationals establishing a DIFC presence; law firm branches; regional offices of international groups

 

The Innovation Licence, at USD 400/year for qualifying companies, is the most cost-effective route into DIFC. Over 500 fintech and technology companies have used this pathway to establish a DIFC presence, build relationships with institutional partners and investors, and access the DFSA Innovation Testing Licence (ITL) — a regulatory sandbox that allows live testing of financial products before applying for a full DFSA licence.

 

Official source: DIFC — Licence types and requirements  |  DFSA — Authorisation requirements  |  DIFC FinTech Hive — Innovation Hub

DIFC Company Setup Costs 2026: The Real Numbers

DIFC is the premium-tier UAE jurisdiction. Its costs reflect that positioning. Budget conservatively, then work back to see if DIFC’s specific advantages deliver the commercial value you need. The mistake most founders make is comparing headline licence fees across zones — the total operating cost is what matters.

 

Non-Regulated Company (No DFSA): Year 1 Cost Breakdown

 

Cost Component

Amount (2026 Est.)

Notes

Company registration fee (one-time)

AED 29,000 – AED 44,000

USD 8,000 – USD 12,000. Varies by structure (Ltd, branch, PC). Paid once.

Annual commercial licence fee

AED 14,700 – AED 18,000

Renewed annually. Innovation Licence: USD 400 (AED ~1,470) for qualifying firms.

Data protection registration fee

AED 1,800 – AED 4,600

Mandatory for all DIFC entities. Annual obligation.

Office space — co-working/flexi-desk

AED 18,000 – AED 30,000 per year

Minimum physical presence. Accepted for most non-regulated, non-client-facing entities.

Office space — private office

AED 60,000 – AED 150,000+ per year

Required for most client-facing and regulated entities. Gate and Limestone House premium.

Investor/partner visa (per person)

AED 6,500 – AED 9,000

Establishment Card (AED 1,800), employment visa (AED 3,500–5,000), medical + Emirates ID (AED 1,500–2,000).

Annual audit and company secretarial

AED 11,000 – AED 25,000

Mandatory annual filing. Cost scales with complexity.

Professional advisory (agent fees for application)

AED 20,000 – AED 40,000

Non-regulated setups. Regulated entities: AED 100,000– AED 400,000+.

Corporate Tax registration (TRN)

Free to register; AED 10,000 penalty if late

All DIFC entities must register. AED 10,000 fixed penalty for late registration.

TOTAL YEAR 1 (non-regulated, co-working + 1 visa)

AED 95,000 – AED 155,000+

Private office, more visas, and regulated activities increase significantly.

Cost Component

DFSA-Regulated Entity Additional Costs

DFSA application fee

USD 5,000 – USD 30,000 depending on category and complexity

Annual DFSA supervisory fee

USD 5,000 – USD 25,000+ based on category and revenue

Minimum regulatory capital (must be deposited)

USD 10,000 (Cat 4) to USD 10,000,000+ (Cat 1)

Compliance officer (mandatory appointment)

AED 250,000 – AED 600,000 per year (salary + benefits for qualified MLRO/CO)

Regulatory business plan preparation

AED 50,000 – AED 150,000 (specialist legal/compliance advisory)

TOTAL additional Year 1 cost (DFSA regulated)

USD 200,000 – USD 1,000,000+ depending on category and capital requirement

Annual operating reality: DIFC’s annual renewal costs run at approximately 80–100% of Year 1 costs once one-time registration fees drop off. Budget AED 60,000–120,000 per year for a non-regulated entity with co-working + 1 visa + audit + licence renewal. For DFSA-regulated firms, annual operational overheads of USD 300,000–500,000 are typical at Category 3C/4 level once regulatory capital, compliance staffing, and supervisory fees are included.

 

Set Up Your DIFC Company with Affinitas Today

Free 30-minute DIFC consultation — licence category selection, DFSA regulatory roadmap, cost planning, and Day 1 compliance. We handle the entire process end-to-end.

DIFC Company Formation: Step-by-Step Process

DIFC company formation is more structured and documentation-intensive than other UAE free zones. Only DIFC-approved Registered Application Agents may submit applications — you cannot apply directly. For regulated entities, the DFSA adds a parallel regulatory review process that significantly extends the timeline.

 

Stage

What Happens

Non-Regulated Timeline

Regulated (DFSA) Timeline

1. Pre-application planning

Define business activities and determine licence category. Engage a Registered Application Agent (mandatory). Begin business plan and regulatory documentation.

1–2 weeks

4–8 weeks (regulatory business plan preparation)

2. Application submission

Agent submits company name reservation, business plan, shareholder and director documentation, provisional office lease. DIFC Registrar initiates KYC review.

1 week submission

1 week submission; DFSA review begins in parallel

3. DIFC Registrar review

Background checks on shareholders, directors, and UBOs. Fit-and-proper assessment. Query resolution.

2–4 weeks

2–4 weeks (concurrent with DFSA)

4. DFSA review (regulated only)

Full regulatory application review: business model assessment, capital adequacy, technology risk, governance, AML/CFT framework. Senior management interviews. Additional submissions.

N/A

3–5 months

5. In-principle approval

Conditional approval issued. Office lease finalised. Fees paid.

1–2 weeks after review

1–2 weeks after DFSA approval

6. Licence issuance

Certificate of Registration issued. Establishment Card. Company operational.

1–2 days

1–2 days after payment

7. Visa processing

Investor/employee visas. Medical, biometrics, Emirates ID. Physical UAE presence required.

7–10 days per visa

7–10 days per visa

8. Bank account opening

Banking documentation pack submitted. DIFC-licensed banks (Emirates NBD, Mashreq, ADCB, HSBC) available within the DIFC for preference.

2–4 weeks

3–6 weeks (regulated entities face enhanced due diligence)

TOTAL end-to-end

 

6–10 weeks

4‒6 months (complex applications up to 12 months)

 

Only DIFC-authorised Registered Application Agents can submit company formation applications. Submitting incomplete or incorrect documentation is the primary cause of rejection and delay. A weak regulatory business plan — the most common DFSA submission failure — can add months to the process and disqualify an otherwise viable application. Affinitas prepares documentation to DFSA submission standards before any application is filed.

DIFC Company Setup

Documents Required

  • Passport copies of all shareholders, directors, and authorised signatories (colour, high resolution, valid 6+ months)
  • Proof of residential address for all key persons (utility bill or bank statement, not older than 3 months)
  • Curriculum vitae (CV) for all directors and shareholders — DFSA fit-and-proper assessment requires detailed professional history
  • Regulatory business plan: for DFSA applications, a comprehensive document covering business model, risk management, capital adequacy, technology architecture, AML/CFT policies, governance framework
  • For corporate shareholders: Certificate of Incorporation, MOA/AOA, board resolution, UBO declaration, group structure chart — all apostilled and notarised
  • Provisional office lease agreement within DIFC boundaries (required before licence issuance)
  • Source of funds and source of wealth documentation for all shareholders

 

DIFC requires applications to be submitted through a licensed Registered Application Agent — this cannot be bypassed. The quality of the business plan submission material has a direct and significant impact on both the speed and outcome of DFSA review. Affinitas prepares all application documentation, liaises with the DIFC Registrar and DFSA on query responses, and manages the process from pre-application through to licence and banking.

DIFC and UAE Corporate Tax 2026: The 50-Year Guarantee

DIFC offers its registered entities a contractual 0% corporate tax guarantee for 50 years from the date of incorporation. This is legally distinct from the general UAE QFZP framework that applies to other free zones, which requires annual qualification and can be lost if substance or qualifying income conditions are not met. The DIFC guarantee provides a longer-term, more structurally secure tax position for businesses making a multi-decade commitment to the jurisdiction.

Tax Obligation

DIFC Position

Practical Implication

Corporate income tax

0% guaranteed for 50 years from incorporation (DIFC contractual guarantee)

Provides long-term certainty beyond the QFZP annual assessment required for other free zones

Personal income tax

0% — no personal income tax in UAE

No withholding on salaries, dividends, or distributions from DIFC entities

UAE Corporate Tax registration (TRN)

Mandatory for all DIFC entities regardless of tax liability. AED 10,000 penalty for late registration.

Register via FTA EmaraTax simultaneously with licence issuance. Affinitas handles as standard.

VAT

5% UAE VAT applies to taxable supplies. Financial services may qualify for exempt or zero-rated treatment depending on activity.

DIFC entities providing financial services to overseas clients may qualify for zero-rating. VAT advisory recommended.

Transfer pricing

All related-party transactions must comply with Article 34 of Federal Decree-Law No. 47 of 2022 (arm’s length standard)

DIFC entities with intragroup transactions above AED 40M aggregate must file Transfer Pricing Disclosure Form — see Article 02

Tax Residency Certificate (TRC)

Available to DIFC-registered companies meeting UAE substance requirements. Provides access to 140+ DTA network.

A DIFC company TRC is one of the strongest tax residency positions available in the UAE — see Article 03

Affinitas — Corporate Tax Registration Dubai & Abu Dhabi  |   FTA — CT Registration via EmaraTax

DIFC Company Setup

Specialist DIFC Structures: Family Offices, Fintech, and Prescribed Companies

Family Offices

DIFC has emerged as the preferred UAE jurisdiction for single and multi-family office structuring, driven by the combination of English common law asset protection, the DIFC Foundation structure for succession planning, and the availability of purpose-built regulatory frameworks under the DIFC Family Arrangements Regulations 2024.

 

Family Office Type

Regulatory Requirement

Key Benefit

Affinitas Role

Single Family Office (SFO)

DIFC registration only (no DFSA licence required for non-restricted services under DIFC Family Arrangements Regulations 2024)

Provides investment administration, real estate oversight, succession planning, and philanthropy for one family without DFSA compliance burden

Structure selection, DIFC registration, DIFC Foundation setup, TRC coordination, transfer pricing compliance for intragroup transactions

Multi-Family Office (MFO)

DFSA licence required if providing restricted financial activities (investment management, fiduciary services, custody) to multiple families

Spreads costs across families; professional management; DFSA credibility signals institutional quality

Full DFSA application management, regulatory business plan, capital structure, compliance officer appointment

DIFC Foundation

No DFSA licence required. DIFC Authority registration.

Legal personality separate from founders. No shareholders. Governed by Foundation Council. Ideal for succession planning and cross-border asset protection.

Foundation establishment, Charter drafting, Guardian and Council appointment coordination

Prescribed Company (PC) Holding

Reduced DIFC regulatory requirements. No employees permitted.

Low-cost, low-maintenance holding vehicle for assets, IP, or shares in subsidiaries. Used alongside active DIFC or overseas entities.

PC incorporation, UBO registration, annual compliance management

 

External: DIFC — Family Arrangements Regulations 2024  |  Kayrouz & Associates — DIFC Family Office Setup 2026

DIFC Company Setup

Fintech and the DIFC Innovation Hub

DIFC’s Innovation Hub is the most concentrated fintech ecosystem in the MEASA region. Over 500 technology and fintech companies operate from the Innovation Hub, attracted by the subsidised Innovation Licence (USD 400/year), access to the DFSA’s Innovation Testing Licence (regulatory sandbox), proximity to institutional investors and banking partners, and a clear regulatory pathway from sandbox to full DFSA authorisation.

  • Innovation Licence: USD 400/year for qualifying AI, fintech, Web3, blockchain, and SaaS companies. Valid for up to 4 years.
  • Innovation Testing Licence (ITL): DFSA regulatory sandbox enabling live testing of financial products with real clients under controlled conditions before full DFSA authorisation.
  • DFSA crypto asset framework: Comprehensive regulation covering crypto asset exchanges, custody, advisory, portfolio management, and trading. Capital requirements: AED 50M for exchanges; AED 10M for other crypto activities. The only UAE jurisdiction with DFSA-regulated crypto (VARA governs other Dubai free zones including DMCC).
  • FinTech Hive: The DIFC’s accelerator programme connecting fintech companies with regional financial institutions, banks, and regulators.

 

Official: DIFC FinTech Hive  |  DFSA Innovation Testing Licence

DIFC vs. Other UAE Jurisdictions: When to Choose Something Else

The most important service any DIFC adviser can provide is an honest answer to the question: ‘Do you actually need DIFC?’ Here is when you do — and when you don’t.

If your priority is…

Choose DIFC if…

Choose elsewhere if…

Alternative

Regulatory credibility for financial services

You need DFSA authorisation to operate legally and to be taken seriously by institutional counterparties

Your activities do not require regulated financial services and DFSA credibility is not a commercial requirement

DMCC (non-regulated services) or mainland (advisory)

English common law governance

Your contracts, fund documents, or investor agreements require English common law enforceability

UAE civil law or DIFC’s non-financial commercial environment is sufficient for your contracts

ADGM (Abu Dhabi) also offers English common law

Family office structuring

You need DIFC Foundation, SFO structure, or multi-generational succession planning with international enforceability

A simpler SPV/holding structure without DIFC substance is sufficient

DMCC SPV, ADGM Foundation, or offshore holding (Cayman/Jersey)

Fintech with DFSA pathway

You are building a regulated financial product (payments, lending, crypto exchange, asset management) and need a recognised regulatory framework

Your fintech product is non-regulated (software, analytics, SaaS) and does not require DFSA authorisation

DMCC for non-regulated fintech; VARA for crypto outside DIFC

Cost efficiency

You can justify DIFC costs based on commercial value delivered

DIFC costs are not commercially justified by the nature of your business and counterparty base

DMCC, RAKEZ, IFZA, or mainland depending on model

Annual DIFC Compliance Obligations: What You Must Do Every Year

Annual Obligation

Deadline

Penalty / Consequence

DIFC licence renewal

Before expiry (annual)

Licence suspended; unable to operate, renew visas, or add employees

Office lease renewal

On lease expiry (annual)

Required for licence renewal; failure voids the licence

Audited financial statements

Filed with DIFC Registrar annually (typically within 6 months of FY end)

Mandatory; failure leads to licence suspension and DIFC Registrar enforcement action

DFSA annual regulatory return (regulated only)

Varies by category; typically quarterly/annual

DFSA can impose fines, suspend, or withdraw authorisation

DFSA supervisory fees (regulated only)

Annual; based on category and revenue

Non-payment leads to DFSA enforcement

Data protection annual registration

Annual renewal with DIFC Commissioner of Data Protection

Required for licence renewal; AED 1,800–4,600 annual fee

UAE Corporate Tax return

Within 9 months of financial year-end

AED 500–10,000 late filing penalties; additional for underpayment

Transfer Pricing Disclosure Form

With CT return if RP transactions exceed AED 40M

Penalties as per CT law; audit trigger if omitted

UBO registration update

On any ownership change; annual confirmation

AED 15,000 penalty for non-declaration

AML/CFT compliance (all entities)

Ongoing; annual risk assessment and training

DIFC and DFSA enforcement; potential criminal liability

Visa renewals

Every 2 years (investor visa)

Overstay fines; inability to re-enter UAE

Affinitas provides a complete annual compliance calendar to every DIFC client, with 30-day advance reminders for every deadline above. We coordinate DIFC Registrar submissions, audit engagement, CT return preparation, and DFSA reporting management — so the compliance overhead that makes DIFC expensive to maintain does not catch you by surprise.

Frequently Asked Questions: DIFC Company Setup 2026

Non-regulated companies: 6–10 weeks from application submission to licence issuance, assuming complete documentation. DFSA-regulated companies: 4–6 months for standard applications; up to 12 months for complex structures or where DFSA requires multiple rounds of queries and senior management interviews. The single biggest delay cause is inadequate regulatory business plan preparation — not the DFSA’s review pace.

For a non-regulated entity using co-working space and one visa: approximately AED 95,000–155,000 for Year 1 (including registration, licence, co-working desk, one investor visa, and mandatory audit). For a DFSA-regulated entity, add DFSA application fees, regulatory capital (minimum USD 10,000 for Category 4, up to USD 10M+ for Category 1), specialist advisory fees of AED 100,000–400,000+, and a qualified compliance officer. Total first-year DFSA-regulated setup cost typically ranges from AED 400,000 to AED 2,000,000+ depending on category and scale.

Physical office space within DIFC is required for most licence types. Virtual offices are not permitted for standard licences. The exception is the Prescribed Company (PC) structure, which does not require a physical office and is used for holding vehicles, SPV structures, and securitisation. For non-regulated entities that are non-client-facing, co-working and flexi-desk options within the DIFC are accepted and represent the most cost-effective entry point.

No. The majority of DIFC companies do not have a DFSA licence and do not need one. Law firms, consultancies, technology companies, family offices (SFOs), holding companies, and professional service firms operate under standard DIFC commercial licences without DFSA authorisation. DFSA authorisation is only required if your business conducts regulated financial activities: managing client assets, operating a fund, banking, insurance, payment services, or providing investment advice as a licensed service.

Both DIFC (Dubai) and ADGM (Abu Dhabi) operate under English common law frameworks and offer comparable regulatory credibility. DIFC has a longer-established ecosystem and deeper professional services base, with a stronger concentration of banking and investment counterparties. ADGM is often preferred for certain fintech structures, digital asset frameworks, and fund formations where the FSRA’s regulatory approach has specific advantages. For businesses with a Dubai operational base and an institutional finance focus, DIFC remains the primary choice. For Abu Dhabi-focused operations or specific ADGM-advantaged structures, Affinitas advises on both.

DIFC offers a contractual 0% corporate tax guarantee for 50 years from incorporation — a legally binding commitment by the DIFC Authority. Other UAE free zones (including DMCC and RAKEZ) offer 0% through the QFZP framework, which requires annual qualification and can be lost if substance or qualifying income conditions are not met. DIFC’s 50-year guarantee provides superior long-term fiscal certainty, particularly for businesses making a significant multi-decade commitment to the jurisdiction. All DIFC entities must still register for UAE Corporate Tax via EmaraTax and file an annual return regardless of liability.

Set Up Your DIFC Company with Affinitas Today

Free 30-minute DIFC consultation — licence category selection, DFSA regulatory roadmap, cost planning, and Day 1 compliance. We handle the entire process end-to-end.