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	Bahamas Central America & Caribbean	Uruguay Latin America	Montenegro Europe	Saint Kitts and Nevis Central America & Caribbean
Overview	The Bahamas is a Caribbean jurisdiction with structured residency routes including the Economic Permanent Residence and an active fund / family-office sector. Bordercase coordinates with licensed Bahamian partners.	Uruguay is a stable South American jurisdiction with structured residency routes, strong civil infrastructure, and notable second-residence appeal for HNW relocators. Bordercase coordinates with licensed Uruguayan partners.	Montenegro is a non-EU European country with structured residency routes, EU candidate status, and a growing role as a base for founders and remote workers in the region. Bordercase coordinates with licensed Montenegrin partners.	Saint Kitts and Nevis is a Caribbean jurisdiction with one of the oldest citizenship-by-investment programmes. Bordercase coordinates with authorised local agents and licensed advisers - citizenship outcomes remain at the discretion of the Citizenship by Investment Unit.
Best for	HNW Funds Family offices English admin	HNW Stable economy Latin America hub Banking	Cost of living Coastal living Regional residency	Second passport Caribbean residency Asset planning
Currency	BSD	UYU	EUR	XCD / USD
Language	English	Spanish	Montenegrin / Serbian	English
Time zone	UTC-5	UTC-3	UTC+1	UTC-4
EU member	No	No	No	No
Schengen	No	No	No	No
Residency	Bahamian residency routes: Economic Permanent Residence - qualifying property investment Annual residence permits for HNW Work permits - employer-sponsored Family routes	Uruguayan residency routes: Standard residency - proof of income / qualifying activity Investor route Retirement / pensioner route MERCOSUR fast-track for member-state nationals Family reunification	Montenegrin residency routes: Temporary residence via employment Business / self-employment Real-estate ownership Family reunification Permanent residence typically after 5 years.	Saint Kitts and Nevis routes: Citizenship by Investment (CBI) via the Sustainable Growth Fund CBI via approved real-estate investment Standard work / family routes Citizenship outcomes remain at the discretion of the Citizenship by Investment Unit.
Company setup	IBCs (International Business Companies) are widely used; substance and reporting are now real. Funds and family-office structures are common.	SAS and SA are common structures. DGI tax registration and BPS social-security registration follow.	DOO (limited liability) is the standard structure. Formation is well-documented and reasonably fast. Tax and VAT registration follow.	Nevis IBCs and LLCs are commonly used in international structures. Substance, beneficial ownership disclosure, and AML standards have tightened materially.
Banking	Banking is selective and source-of-funds focused. Bordercase coordinates introductions through current partners.	Residency unlocks personal banking. Uruguay has historically been a HNW banking destination in the region; standards have tightened materially.	Personal banking for residents is accessible. Corporate banking depends on activity. Bordercase coordinates introductions where useful.	Domestic and offshore banking options exist but have become more selective on KYC and source of funds. Bordercase coordinates banking pack preparation and partner introductions.
Family	Family inclusion is supported on most routes. International schools are concentrated on New Providence.	Family reunification is supported. Schools (public, private, bilingual, international) are concentrated in Montevideo and Punta del Este.	Family inclusion on residency applications is supported. International schools are available in Podgorica and on the coast.	CBI applications can include qualifying dependants - spouse, children, and in some cases parents - under specific conditions.
Risks	Risks Bordercase watches for in the Bahamas: Economic substance reporting Property due diligence Reputational handling around offshore structures	Risks Bordercase watches for in Uruguay: Tax residency triggers (the new-resident tax holiday has conditions) Banking documentation and source-of-funds rigor Apostille + Spanish translation requirements	Risks Bordercase watches for in Montenegro: Tax residency triggers EU accession dynamics may change rules over time Processing variations between municipalities Schengen entry / exit considerations for travel planning	Risks Bordercase watches for in Saint Kitts: Programme parameters change Due diligence has tightened materially Rejection rates have risen for incomplete or unclear source-of-funds presentations Visa-revocation and reputational risks if information is misrepresented
Documents	Typical Bahamian documents: Passport Source-of-funds evidence Health and police clearances Apostilled foreign documents	Typical Uruguayan documents: Passport Apostilled foreign documents Proof of income or investment Health insurance Spanish translations where required	Typical Montenegrin residency documents: Passport Criminal record certificate Proof of accommodation Basis for residence Health insurance Family certificates Apostilled and translated.	Typical CBI documents: Passport Due diligence questionnaires Source-of-funds evidence (extensive) Employment / business documentation Family certificates with apostille and certified translation Police clearance certificates for all countries of residence in the prior 10 years

Bahamas

Central America & Caribbean

Uruguay

Latin America

Montenegro

Europe

Saint Kitts and Nevis

Central America & Caribbean

Overview

The Bahamas is a Caribbean jurisdiction with structured residency routes including the Economic Permanent Residence and an active fund / family-office sector. Bordercase coordinates with licensed Bahamian partners.

Uruguay is a stable South American jurisdiction with structured residency routes, strong civil infrastructure, and notable second-residence appeal for HNW relocators. Bordercase coordinates with licensed Uruguayan partners.

Montenegro is a non-EU European country with structured residency routes, EU candidate status, and a growing role as a base for founders and remote workers in the region. Bordercase coordinates with licensed Montenegrin partners.

Saint Kitts and Nevis is a Caribbean jurisdiction with one of the oldest citizenship-by-investment programmes. Bordercase coordinates with authorised local agents and licensed advisers - citizenship outcomes remain at the discretion of the Citizenship by Investment Unit.

Best for

HNW
Funds
Family offices
English admin

HNW
Stable economy
Latin America hub
Banking

Cost of living
Coastal living
Regional residency

Second passport
Caribbean residency
Asset planning

Currency

BSD

UYU

EUR

XCD / USD

Language

English

Spanish

Montenegrin / Serbian

English

Time zone

UTC-5

UTC-3

UTC+1

UTC-4

EU member

Schengen

Residency

Bahamian residency routes:

Economic Permanent Residence - qualifying property investment
Annual residence permits for HNW
Work permits - employer-sponsored
Family routes

Uruguayan residency routes:

Standard residency - proof of income / qualifying activity
Investor route
Retirement / pensioner route
MERCOSUR fast-track for member-state nationals
Family reunification

Montenegrin residency routes:

Temporary residence via employment
Business / self-employment
Real-estate ownership
Family reunification

Permanent residence typically after 5 years.

Saint Kitts and Nevis routes:

Citizenship by Investment (CBI) via the Sustainable Growth Fund
CBI via approved real-estate investment
Standard work / family routes

Citizenship outcomes remain at the discretion of the Citizenship by Investment Unit.

Company setup

IBCs (International Business Companies) are widely used; substance and reporting are now real. Funds and family-office structures are common.

SAS and SA are common structures. DGI tax registration and BPS social-security registration follow.

DOO (limited liability) is the standard structure. Formation is well-documented and reasonably fast. Tax and VAT registration follow.

Nevis IBCs and LLCs are commonly used in international structures. Substance, beneficial ownership disclosure, and AML standards have tightened materially.

Banking

Banking is selective and source-of-funds focused. Bordercase coordinates introductions through current partners.

Residency unlocks personal banking. Uruguay has historically been a HNW banking destination in the region; standards have tightened materially.

Personal banking for residents is accessible. Corporate banking depends on activity. Bordercase coordinates introductions where useful.

Domestic and offshore banking options exist but have become more selective on KYC and source of funds. Bordercase coordinates banking pack preparation and partner introductions.

Family

Family inclusion is supported on most routes. International schools are concentrated on New Providence.

Family reunification is supported. Schools (public, private, bilingual, international) are concentrated in Montevideo and Punta del Este.

Family inclusion on residency applications is supported. International schools are available in Podgorica and on the coast.

CBI applications can include qualifying dependants - spouse, children, and in some cases parents - under specific conditions.

Risks

Risks Bordercase watches for in the Bahamas:

Economic substance reporting
Property due diligence
Reputational handling around offshore structures

Risks Bordercase watches for in Uruguay:

Tax residency triggers (the new-resident tax holiday has conditions)
Banking documentation and source-of-funds rigor
Apostille + Spanish translation requirements

Risks Bordercase watches for in Montenegro:

Tax residency triggers
EU accession dynamics may change rules over time
Processing variations between municipalities
Schengen entry / exit considerations for travel planning

Risks Bordercase watches for in Saint Kitts:

Programme parameters change
Due diligence has tightened materially
Rejection rates have risen for incomplete or unclear source-of-funds presentations
Visa-revocation and reputational risks if information is misrepresented

Documents

Typical Bahamian documents:

Passport
Source-of-funds evidence
Health and police clearances
Apostilled foreign documents

Typical Uruguayan documents:

Passport
Apostilled foreign documents
Proof of income or investment
Health insurance
Spanish translations where required

Typical Montenegrin residency documents:

Passport
Criminal record certificate
Proof of accommodation
Basis for residence
Health insurance
Family certificates

Apostilled and translated.

Typical CBI documents:

Passport
Due diligence questionnaires
Source-of-funds evidence (extensive)
Employment / business documentation
Family certificates with apostille and certified translation
Police clearance certificates for all countries of residence in the prior 10 years