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	Uruguay Latin America	Bahamas Central America & Caribbean	Croatia Europe
Overview	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.	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.	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.
Best for	HNW Stable economy Latin America hub Banking	HNW Funds Family offices English admin	Digital nomads Families EU access Coastal living
Currency	UYU	BSD	EUR
Language	Spanish	English	Croatian
Time zone	UTC-3	UTC-5	UTC+1
EU member	No	No	Yes
Schengen	No	No	Yes
Residency	Uruguayan residency routes: Standard residency - proof of income / qualifying activity Investor route Retirement / pensioner route MERCOSUR fast-track for member-state nationals Family reunification	Bahamian residency routes: Economic Permanent Residence - qualifying property investment Annual residence permits for HNW Work permits - employer-sponsored Family routes	Croatian residency routes: Employment-based residence Digital Nomad Residence Permit - remote workers Business / self-employment Family reunification EU citizen-derivative routes
Company setup	SAS and SA are common structures. DGI tax registration and BPS social-security registration follow.	IBCs (International Business Companies) are widely used; substance and reporting are now real. Funds and family-office structures are common.	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.
Banking	Residency unlocks personal banking. Uruguay has historically been a HNW banking destination in the region; standards have tightened materially.	Banking is selective and source-of-funds focused. Bordercase coordinates introductions through current partners.	Resident banking is broadly accessible; corporate banking depends on activity. Bordercase coordinates introductions for cross-border cases.
Family	Family reunification is supported. Schools (public, private, bilingual, international) are concentrated in Montevideo and Punta del Este.	Family inclusion is supported on most routes. International schools are concentrated on New Providence.	Family reunification is supported. International schools are available in Zagreb and along the coast.
Risks	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 the Bahamas: Economic substance reporting Property due diligence Reputational handling around offshore structures	Risks Bordercase watches for in Croatia: Tax residency triggers Processing variations Digital nomad permit renewal rules and re-entry constraints
Documents	Typical Uruguayan documents: Passport Apostilled foreign documents Proof of income or investment Health insurance Spanish translations where required	Typical Bahamian documents: Passport Source-of-funds evidence Health and police clearances Apostilled foreign documents	Typical Croatian residency documents: Passport Criminal record certificate Proof of accommodation Health insurance Employment / income evidence Family certificates Apostilled and translated to Croatian.

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