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	Saint Kitts and Nevis Central America & Caribbean	Croatia Europe	Switzerland Europe
Overview	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.	Croatia is a Schengen-member EU country with structured residency routes for skilled workers, digital nomads, and family relocation. Bordercase coordinates with licensed Croatian partners for filings.	Switzerland is a stable, high-quality jurisdiction with structured residency routes - most of them merit-based, contribution-based, or employer-sponsored. Bordercase coordinates with licensed Swiss partners for filings.
Best for	Second passport Caribbean residency Asset planning	Digital nomads Families EU access Coastal living	HNW Founders Forfait fiscal Stability
Currency	XCD / USD	EUR	CHF
Language	English	Croatian	German / French / Italian
Time zone	UTC-4	UTC+1	UTC+1
EU member	No	Yes	No
Schengen	No	Yes	Yes
Residency	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.	Croatian residency routes: Employment-based residence Digital Nomad Residence Permit - remote workers Business / self-employment Family reunification EU citizen-derivative routes	Swiss residency routes: Work permit - employer-sponsored, quota-controlled for non-EU Lump-sum taxation (forfait fiscal) - HNW individuals in eligible cantons Business / investor routes EU / EFTA routes - under FMP Family reunification
Company setup	Nevis IBCs and LLCs are commonly used in international structures. Substance, beneficial ownership disclosure, and AML standards have tightened materially.	d.o.o. (limited liability) is the standard structure; jednostavno d.o.o. is a simplified low-capital variant. Formation involves notary and court registration. Tax and VAT registration follow.	GmbH and AG are the standard structures. Cantonal variation in tax, registration, and substance treatment is real. Federal and cantonal compliance is precise.
Banking	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.	Resident banking is broadly accessible; corporate banking depends on activity. Bordercase coordinates introductions for cross-border cases.	Swiss banking has tightened materially since the 2010s. Personal accounts require residency or strong nexus; corporate banking requires substance and clear source of funds. Bordercase coordinates introductions through current partners.
Family	CBI applications can include qualifying dependants - spouse, children, and in some cases parents - under specific conditions.	Family reunification is supported. International schools are available in Zagreb and along the coast.	Family reunification is supported on most permits. Schools (public, private, and international) are widely available; international schools are well-established but selective.
Risks	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	Risks Bordercase watches for in Croatia: Tax residency triggers Processing variations Digital nomad permit renewal rules and re-entry constraints	Risks Bordercase watches for in Switzerland: Quotas for non-EU work permits Lump-sum taxation eligibility and cantonal variation Banking gatekeeping for non-residents Substance and arm's-length pricing audits
Documents	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	Typical Croatian residency documents: Passport Criminal record certificate Proof of accommodation Health insurance Employment / income evidence Family certificates Apostilled and translated to Croatian.	Typical Swiss residency documents: Passport Employment contract or business plan Criminal record certificate Proof of accommodation Health insurance valid in Switzerland Financial evidence Apostilled and translated where required.

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