ADGM Warehouse Licence -- Regulatory Guide -- For Compliance Officers

ADGM Warehouse License: What It Actually Protects

Not all vault licences are equal. ADGM's FSRA-regulated warehouse licence means your gold sits under English Common Law — with real enforcement teeth.

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ADGM
Reg. No. 28158
FSRA
Regulated
WHR
Title Document
English
Common Law

What the warehouse licence
covers -- and does not

What Is Covered

Physical safekeeping of precious metals. Issuance of Warehouse Receipts as legal title documents. Client AML/KYC onboarding and monitoring. FSRA regulatory reporting. Storage fee arrangements. Pledge/lien notifications on WHRs.

What Is Not Covered

Financial advice or investment recommendations. Fund management or discretionary asset management. Payment services or money transmission. Insurance underwriting. Securities dealing or brokerage. LCORE does not hold an FSP licence.

Regulatory Framework

Key regulatory provisions
for clients

FSRA Oversight

LCORE is supervised by the Financial Services Regulatory Authority (FSRA) under ADGM. Annual compliance reviews. Regulatory reporting obligations. FSRA can inspect, investigate, and sanction non-compliant operators.

Asset Segregation

ADGM warehouse regulation requires client assets to be physically segregated from operator assets and from other clients' assets. Your bars cannot be co-mingled with LCORE's own holdings.

WHR Title Status

ADGM law recognises Warehouse Receipts as title documents. WHR holders are first-priority secured creditors in any insolvency proceeding -- your bars are returned before any other creditor.

AML/KYC (DNFBP)

LCORE is a DNFBP under UAE AML law. Mandatory client identification, UBO verification, source of funds, source of gold. Reporting to UAE goAML where required.

ADGM Court Access

Clients have full access to ADGM Courts (English Common Law) for any dispute with LCORE. Independent from UAE Federal Courts, with international judges and track record of enforcing creditor rights.

Public Registry

LCORE's registration is publicly verifiable at adgm.com/en/adgm-directory. Registration No. 28158. Company details, registered address, and licence status publicly accessible.

Warehouse licence vs
FSP licence

Warehouse/Storage Licence (LCORE)FSP Licence (Bank/Broker)
Authorised activityPhysical safekeeping + WHR issuanceFinancial advice, dealing, payments
Client asset statusTitle (Warehouse Receipt)Creditor claim (account balance)
Insolvency protectionFirst-priority secured creditorUnsecured creditor (typically)
RehypothecationProhibitedPermitted under certain structures
Regulatory documents: ADGM Regulations at adgm.com/en/doing-business/regulations. FSRA Rulebook at fsra.adgm.com. LCORE can provide its registration certificate and AML/KYC policy summary on request to qualifying institutional counterparties.
FAQ

Frequently asked questions

What does an ADGM warehouse licence legally guarantee for stored gold?
An ADGM warehouse licence under FSRA regulation ensures your gold is held as allocated property — not as a balance sheet liability of the operator. Title remains with the depositor under English Common Law, meaning in insolvency, your bars are yours, not part of the operator's estate.
How does ADGM warehouse regulation differ from DMCC or DIFC storage?
DMCC operates under UAE federal law; DIFC focuses on financial services, not physical storage. ADGM uniquely combines English Common Law jurisdiction with FSRA regulatory oversight specifically designed for warehouse operations — giving foreign depositors familiar legal remedies without local court uncertainty.
Can I use an ADGM warehouse receipt as bank collateral?
Yes. ADGM warehouse receipts (WHRs) function as title documents under English Common Law. Major lenders accept WHRs from FSRA-regulated operators as collateral for trade finance, with LTV ratios typically at 70-85% of spot value.
Who can access LCORE's adgm warehouse license services?
Institutional counterparties only: family offices, commodity traders, sovereign entities, mining companies, and corporate treasuries. Minimum $5M. Full KYC/AML/source-of-funds onboarding required before access.
How is adgm warehouse license regulated at LCORE?
ADGM (Abu Dhabi Global Market) under FSRA regulatory oversight. English Common Law jurisdiction. LCORE Reg. 28158. Lloyd's of London insurance $250M per shipment. All operations comply with UAE AML/CFT requirements.

Due diligence complete. Next step: consultation.

Regulatory documentation available on request. Institutional counterparties only. Minimum $5M.

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