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	Saint Lucia Central America & Caribbean	Uruguay Latin America
Overview	Saint Lucia is a Caribbean jurisdiction with a Citizenship by Investment programme launched in 2016. Bordercase coordinates with authorised local agents.	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.
Best for	Second passport English admin Caribbean residency	HNW Stable economy Latin America hub Banking
Currency	XCD	UYU
Language	English	Spanish
Time zone	UTC-4	UTC-3
EU member	No	No
Schengen	No	No
Residency	Saint Lucia routes: Citizenship by Investment (CBI) via fund contribution or approved real-estate investment Standard work permits 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
Company setup	Domestic companies and IBCs are common in international structures.	SAS and SA are common structures. DGI tax registration and BPS social-security registration follow.
Banking	Banking is selective. Bordercase coordinates banking introductions through current partners.	Residency unlocks personal banking. Uruguay has historically been a HNW banking destination in the region; standards have tightened materially.
Family	CBI can include qualifying dependents.	Family reunification is supported. Schools (public, private, bilingual, international) are concentrated in Montevideo and Punta del Este.
Risks	Risks Bordercase watches for in Saint Lucia: Programme parameters change Due diligence has tightened Reputational and revocation risks if information is misrepresented	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
Documents	Typical CBI documents: Passport Due diligence questionnaires Source-of-funds evidence (extensive) Family certificates with apostille and translation	Typical Uruguayan documents: Passport Apostilled foreign documents Proof of income or investment Health insurance Spanish translations where required

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