Serving Da Nang IFC & HCMC IFC, effective Sept 2025

IFC compliance starts with the right framework.

Under Decree 329/2025, IFC members face AML, banking and reporting requirements from day one. GIC designs the compliance framework your entity needs to operate, so you start right, not scramble later.

Project-basedNo advisory billingDelivered in weeks
GGIC Client PortalDa Nang IFC · Member entityLiveFX TRANSFER REQUEST$200,000USD → Singapore (SGD receiving account)IFC Member, Decree 329/2025No outbound purpose declaration requiredEx post reporting only · via member capital accountREF #GIC-0291Submitted 09 May 2026HANDLED BY GIC TEAMCapital account balance verifiedVietcombank IFC desk · clearedPost-transfer report preparedDecree 329 disclosure format · readySubmitted to bank for processingIn progress · est. 2 business daysTransfer confirmed to clientPendingTHIS RETAINER INCLUDESUnlimited FX filingsAML monitoringMonthly CIT/VATIFC reportsExpected completion5 – 7 business days · GIC handles every step · You sign onceTrack status →GIC Client Portal · Preview, available to retainer clients
Serving entities inside Da Nang IFC and Ho Chi Minh City IFC
Fintech
Funds
Crypto
Startups
The operational gap

The license is step one. Operations are where entities stall.

Resolution 222 and Decree 329 unlock real advantages for IFC members. Capturing them requires exact execution, banking setup, IFRS books, AML framework, regulatory filings. All of it at once.

No banking relationship, no operations.

Opening a member capital account inside Vietnam IFC requires a direct relationship with an IFC-licensed bank desk. Cold applications are rejected. Existing entities wait months.

FX carve-out exists, but you still need to execute.

Decree 329 removes the outbound purpose declaration for IFC members. The ex post disclosure report, capital account routing and bank coordination still happen, they just land on your team.

IFRS is mandatory. VAS is not enough.

Financial institutions in the IFC must file under IFRS, not Vietnamese Accounting Standards. Local firms cannot support this. Big Four charges per engagement. Neither is built for your size.

How GIC works

Three steps. Clear deliverables. You operate from day one.

Fixed scope. Clear deliverables. Your compliance officer runs the framework, we build it.

Step 01

Gap Analysis

We assess your entity against Vietnam IFC requirements across AML, banking, reporting and FX. You receive a prioritised gap report and action roadmap.

Step 02

Framework Design

We build your AML policy, KYC/KYB onboarding framework, risk assessment matrix and MLRO toolkit, scoped exactly to your entity type and risk profile.

Step 03

Handover & Support

All documents are delivered with an implementation guide. Your appointed compliance officer or MLRO can operate the framework from day one.

What we deliver

Four deliverables. One engagement.

Fixed-scope projects. No hourly billing. Each deliverable is standalone, or taken as a full framework package.

Regulatory Gap Analysis

A clear map of where your entity stands against Vietnam IFC requirements, and what needs to be built before you can operate.

  • Current-state assessment
  • Gap-to-requirement mapping
  • Prioritised action roadmap

AML Policy & Procedure Manual

A complete AML/CFT policy document built to Decree 329, Circular 09/2023 and FATF 40 standards. Ready for your compliance officer to operate.

  • AML/CFT policy document
  • Procedure manuals
  • Escalation & reporting calendar

KYC/KYB Onboarding Framework

A risk-based onboarding system for your customers and business relationships, tiered, documented, and IFC-compliant.

  • Risk rating methodology
  • Document checklist by tier
  • Onboarding workflow

Risk Assessment Matrix & MLRO Toolkit

A structured risk assessment across customer, product, geography and channel dimensions, plus the templates your appointed MLRO needs to operate.

  • 4-dimension risk matrix
  • SAR & STR templates
  • MLRO reporting calendar
Decree 329/2025

What IFC membership actually changes for your entity

Resolution 222 and Decree 329/2025 created a distinct regulatory track for IFC members. These are the confirmed, enacted differences, not projections.

Requirement
Standard entity
IFC member (Decree 329)
Outbound FX transfers
Ex ante pre-approval from SBV required before each transfer
Ex post report only, no pre-approval needed
Transfer routing
Standard commercial account; purpose statement required
Via member capital account, purpose declaration waived
Corporate income tax
20% standard CIT rate
10% for 30 yrs (priority) · 15% for 15 yrs (others)
Personal income tax, foreign staff
Full PIT schedule applies from day one
PIT exempt through 2030 for foreign professionals
Financial reporting standard
Vietnamese Accounting Standards (VAS)
IFRS mandatory for financial institutions
Profit repatriation
Advance registration + purpose documentation
Ex post disclosure only, no pre-registration

Source: Resolution 222/2025/QH15 (effective 1 Sept 2025) and Decree 329/2025/NĐ-CP. GIC models your exact position during the onboarding assessment.

Who it's for

Three entity types. One shared need: someone to execute compliance in-country.

Foreign Fintech

Entering IFC from abroad

HQ has never set up in Vietnam IFC. Banking is opaque, AML requirements are IFC-specific, and IFRS filings are mandatory from day one.

Needs
  • Member capital account, day one
  • AML/CFT policy (IFC regime)
  • IFRS books from incorporation
Crypto / VASP

Operating under IFC framework

AML scrutiny is high. Banking relationships are scarce. On-chain monitoring and travel rule compliance need to be live before the first transaction.

Needs
  • On-chain AML monitoring
  • Travel rule compliance
  • Sanctions screening, live
VN Startup, equity exit

Structuring for foreign VC

Foreign investors need a clean IFC entity, IFRS financials and a repatriation path. VAS books and a VN-only structure block the deal.

Needs
  • IFRS restatement
  • IFC entity + cap table cleanup
  • FX repatriation path
Why GIC

Built for IFC execution. Not advisory. Not software.

Doing it yourself or Big 4

  • Hourly billing per regulator email or bank query
  • No direct IFC bank desk relationship to unblock holds
  • Decree 329 procedures learned on your account
  • Advisory memos, you still file everything yourself
  • Quarterly check-ins; weeks to turn around a filing

GIC framework engagement

  • Fixed project fee. Scope confirmed upfront, no hourly surprises.
  • Framework delivered in weeks, not months of advisory engagement
  • Decree 329, Circular 09/2023 and FATF 40, already built in
  • Done for you. GIC delivers. Your team operates from day one.
  • Same-day response. One team. One point of contact.

Built on Decree 329, Circular 09/2023 and FATF 40, the exact regulatory stack your IFC entity operates under.

No generic compliance template. Every framework GIC delivers is scoped to your entity type, risk profile and Vietnam IFC requirements.

Operated by Galophy Technologies

Built specifically for Vietnam IFC, not adapted from a generic compliance playbook. Licensed Vietnamese counsel handles every legal referral. You always know who is on your file.

IFC membership unlocks
  • CIT 10% for 30 years (priority sectors), vs standard 20%
  • CIT 15% for 15 years (other qualifying sectors)
  • PIT exemption for foreign professionals through 2030
  • Profit repatriation: ex post reporting only, no pre-approval

We model your exact tax position during onboarding. No separate engagement fee.

Common questions

Read this before booking.

Decree 329/2025 shifts IFC members from ex ante (pre-approval) to ex post (post-transaction) FX supervision. A 100% foreign-owned IFC entity no longer needs to register or obtain approval before an outbound transfer. You still route via the member capital account and file a post-transaction disclosure, GIC prepares and submits both.

Banking setup inside Vietnam IFC requires an entity to open a member capital account at an IFC-licensed bank. GIC guides you through the requirements, account structure under Decree 329, documentation needed, and what to expect from the bank's KYB process. We are building direct bank desk relationships as part of our Phase 2 rollout.

Both. We refer entity formation and IFC licensing to vetted legal partners under an exclusivity arrangement. Once the license is issued, GIC takes over all operational compliance. One team end to end.

Priority-sector entities (fintech, fund management, securities) qualify for 10% CIT for 30 years, with a 4-year full exemption followed by 9 years at 50% reduction. Other qualifying sectors get 15% for 15 years. We confirm your applicable rate during onboarding.

Resolution 222 mandates IFRS for financial institutions inside Vietnam IFC, Vietnamese Accounting Standards (VAS) are not accepted for regulatory filings. Local accounting firms are generally not equipped for IFRS. GIC maintains IFRS-compliant books from day one.

Nothing formal. Bring your entity type, current license status (or intent to apply), and your primary compliance question. We map your full requirements, banking, AML, IFRS, tax, FX, in the 30-minute assessment.

Get started

Ready to enter Vietnam IFC without the compliance headache?

Book a 30-minute assessment with a Galophy senior. We map your entity, license track and reporting calendar before you sign anything.

Engagement pricing is scoped to your entity type and requirements. We confirm scope and fee in your assessment call.

We reply within 1 business day. NDA available on request. No obligation.