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	Saint Kitts and Nevis Central America & Caribbean	Montenegro Europe	Romania 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.	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.	Romania is an EU member state with structured residency routes, accessible company formation, and competitive costs for founders and remote professionals. Bordercase coordinates with licensed Romanian partners.
Best for	Second passport Caribbean residency Asset planning	Cost of living Coastal living Regional residency	Founders Digital nomads EU access Cost of living
Currency	XCD / USD	EUR	RON
Language	English	Montenegrin / Serbian	Romanian
Time zone	UTC-4	UTC+1	UTC+2
EU member	No	No	Yes
Schengen	No	No	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.	Montenegrin residency routes: Temporary residence via employment Business / self-employment Real-estate ownership Family reunification Permanent residence typically after 5 years.	Romanian residency routes: Employment-based residence (including the Blue Card) Digital Nomad Visa - remote workers Business / investor routes Family reunification EU citizen-derivative routes
Company setup	Nevis IBCs and LLCs are commonly used in international structures. Substance, beneficial ownership disclosure, and AML standards have tightened materially.	DOO (limited liability) is the standard structure. Formation is well-documented and reasonably fast. Tax and VAT registration follow.	SRL (limited liability) is the standard structure. Formation involves notary and trade registry. Microcompany tax regime may apply for small businesses with eligible activities.
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.	Personal banking for residents is accessible. Corporate banking depends on activity. Bordercase coordinates introductions where useful.	Personal and corporate banking for residents is broadly accessible. Bordercase coordinates introductions for non-standard cross-border structures.
Family	CBI applications can include qualifying dependants - spouse, children, and in some cases parents - under specific conditions.	Family inclusion on residency applications is supported. International schools are available in Podgorica and on the coast.	Family reunification is supported. International schools (English, French, German) are concentrated in Bucharest, Cluj, and Timișoara.
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 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 Romania: Tax residency triggers Microcompany regime eligibility Processing variations between counties Schengen entry / exit rules now apply
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 Montenegrin residency documents: Passport Criminal record certificate Proof of accommodation Basis for residence Health insurance Family certificates Apostilled and translated.	Typical Romanian residency documents: Passport Criminal record certificate Proof of address Basis for residence Health insurance Family certificates Apostilled and translated to Romanian.

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