以下资料由仁港永胜唐生讲解：

你们现在面对的是 VARA正式执法行动，已经进入到“违约通知 + 停止与终止令（Cease & Desist Order）+ 拟罚款”阶段。此类情况必须非常谨慎应对，否则不仅影响罚金数额，还可能导致未来牌照申请被拒。以下我分为 应对思路、策略重点 和 解释信草稿 三个部分详细说明：

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一、应对思路（避免或降低处罚的关键方向）

1. 立即合规整改

   • 立刻下线所有网站、APP及宣传物料，确保不再对外出现“已获VARA牌照”或任何虚拟资产业务的描述。

   • 提供书面证明（如截图、下线通知书），向VARA确认违规内容已被移除。

2. 态度务实 + 主动沟通

   • 表态承认错误、强调无恶意，说明仅为筹备阶段误操作，没有实际客户资金损失。

   • 强调公司仍然希望在VARA框架下长期合规发展。

3. 争取减轻罚金

   • VARA罚金（60万迪拉姆）属于拟罚款，你们有7天书面申诉窗口。

   • 重点提交：

     • 已采取的整改措施；

     • 内部合规制度升级计划（聘请合规官、整改流程）；

     • 强调未造成市场影响/客户资金风险。

   • 争取将罚金减免或分期支付。

4. 牌照申请继续推进

   • 表明贵司已经/即将提交正式牌照申请，并聘请专业合规顾问。

   • 请求VARA允许在监管跟进下继续处理申请，而不是直接驳回。

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二、策略重点：能否“推卸给第三方”？

• 直接甩锅给外包公司风险极大：VARA认为“主体责任在牌照申请公司”，因为是你们名义下的网站和APP。

• 可行表述方式：

  • 说明网站与APP开发由第三方外包团队独立负责上线流程，公司未能及时发现外包团队将测试页面/文案提前公开。

  • 强调“管理疏忽”，并已解约或更换服务商，并建立内部审批机制。

• 结论：不能完全推责，但可用“第三方失误 + 内部监控不足”来减轻主观过错，作为减轻处罚理由。

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三、解释信（草稿示例）

以下为一封 正式答复VARA的解释信 模板，你们可用公司抬头纸修改后发送：

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[Company Letterhead]
ABCD Digital Fintech FZCO
Dubai, UAE

Date: 18 August 2025

To:
Enforcement Division
Virtual Assets Regulatory Authority (VARA)
Email: VARAEnforcement@vara.ae

Subject: Response to Notice of Violation and Cease and Desist Order (13 August 2025)

Dear Enforcement Division,

On behalf of ABCD Digital Fintech FZCO, we respectfully submit our written representations in relation to the Notice of Violation and Cease and Desist Order dated 13 August 2025.

1. Corrective Actions Taken

• Immediately upon receipt of the Notice, we ceased all activities identified by VARA and have taken down our website and mobile application. No further promotion or representation is accessible to the public.

• We have issued internal directives to suspend any external communications regarding VA services until a valid licence has been obtained.

• We have terminated cooperation with our previous third-party technology provider that inadvertently made the test versions of our website and application publicly accessible without proper internal review and compliance clearance.

2. Explanation of Circumstances

• The Entity never intended to mislead the public or claim that it was duly licensed.

• The website and mobile application were in a pre-launch development phase managed by an outsourced third-party IT service provider. Unfortunately, certain test materials and marketing drafts were prematurely published online, without the approval of our compliance team or senior management.

• We acknowledge that it was our internal oversight not to implement a stricter compliance review before allowing any such content to be accessible online.

3. Commitment to Compliance

• We sincerely apologize to VARA for this oversight and any misunderstanding it may have caused.

• We reaffirm our commitment to operate only under full compliance with Law No. 4 of 2022 and all related VARA Regulations.

• We have engaged external legal and compliance consultants in Dubai to assist us in preparing our full application for the appropriate VARA Virtual Asset Exchange licence.

• We are also implementing a new internal compliance approval mechanism to ensure that no marketing, website, or technology rollouts can occur without written clearance from our designated compliance officer.

4. Request for Regulatory Consideration

• We respectfully request VARA to consider the corrective measures taken, the absence of any actual customer funds or trading activities, and our clear intention to regularize our operations under VARA’s licensing framework.

• We kindly ask VARA to consider reducing or suspending the proposed fines, or allowing a structured settlement arrangement, so that the Entity can direct more resources towards achieving full compliance and meeting VARA’s licensing standards.

We remain fully committed to aligning with VARA’s regulatory framework and maintaining transparency throughout the licensing process.

Sincerely,
[Signature]
[Name]
Director
ABCD Digital Fintech FZCO

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四、下一步建议

1. 立即发送解释信（7天内）。

2. 聘请本地合规律师或咨询机构，作为后续与VARA的沟通代表。

3. 准备正式牌照申请，并附上合规整改计划书，显示企业合规意图。

4. 请求罚金减免/分期，避免影响财务和后续许可。

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五、拟定整改计划书（Remediation Plan）

下面由仁港永胜唐生来帮您拟定一份 整改计划书（Remediation Plan） 模板，您可以随解释信一并提交给 VARA。整改计划的作用是：证明企业有 实质性合规措施，不是只写口头解释，可以大幅度增加减罚和保留牌照申请资格的机会。

这份完整的草案，仁港永胜唐生已按照 国际监管机构（如VARA、FCA、MAS）常用格式 来拟定，您只需稍加修改后即可提交：

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ABCD Digital Fintech FZCO – Remediation Plan

Date: 18 August 2025
Submitted to: Virtual Assets Regulatory Authority (VARA), Enforcement Division

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1. Introduction

ABCD Digital Fintech FZCO (“the Entity”) acknowledges receipt of the Notice of Violation and Cease and Desist Order dated 13 August 2025. We recognize the seriousness of the identified breaches and respectfully submit this Remediation Plan to demonstrate our corrective actions, future commitments, and timeline for full compliance with Law No. 4 of 2022 and the applicable VARA Regulations.

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2. Immediate Corrective Actions (Completed)

• Cessation of All VA Activities: As of 14 August 2025, all website and mobile application access has been suspended. No virtual asset activities are being conducted.

• Removal of Misleading Marketing Content: All digital content and promotional materials referencing VARA licensing status or VA services have been taken down.

• Termination of Outsourced Provider: The third-party IT provider responsible for premature public deployment has been disengaged. Internal approval procedures are now mandatory for all external communications.

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3. Root Cause Analysis

• External Factor: Outsourced IT vendor published draft content without internal clearance.

• Internal Factor: Lack of robust compliance review mechanism prior to public-facing communications.

• Organizational Gap: Absence of a formally appointed Compliance Officer during the development phase.

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4. Remediation Measures and Timeline

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5. Monitoring and Reporting

• ABCD commits to monthly progress updates to VARA during the remediation phase.

• Quarterly compliance audits will be conducted by an independent third-party auditor.

• Any future incidents of non-compliance will be reported immediately to VARA.

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6. Request for Regulatory Consideration

In light of the immediate corrective actions, strong remediation plan, and commitment to operate only under full VARA compliance, ABCD respectfully requests:

• Consideration for reduction or suspension of fines;

• Permission to continue with our licence application process;

• Recognition that no customer assets or trading activities were affected.

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Signed
[Signature]
[Name]
Director
ABCD Digital Fintech FZCO

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✅ 仁港永胜唐生提示：这份计划书的重点是：具体 + 可执行 + 有时间表 + 有责任人，这样才能让VARA相信你们是“真心整改”。

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六、拟定时间轴图解版整改计划
下面由仁港永胜唐生再写一份 “时间轴图解版整改计划”（比如以 Gantt Chart/时间表 的方式直观展示每个步骤），这样提交时更具说服力。

这里是 整改计划时间轴图解版（Gantt Chart），直观展示了各整改步骤的执行周期：

• 8月下旬：合规官任命、外部法律顾问聘请

• 9月上旬至中旬：设立合规委员会、上线宣传审批流程

• 9月整月：进行内部合规培训

• 9月中旬至10月末：准备并提交VARA牌照申请

• 12月起：开始季度合规审计

这样在提交给VARA时，可以直观体现你们的整改路径与合规承诺。

选择一间专业专注的合规服务商协助牌照申请及后续维护及合规指导尤为重要，在此推荐选择仁港永胜。

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