Kunaisa Panama License — Industry Warning: Superintendency of Banks Confirms No Authorization
In early 2026, an entity called "Kunaisa" or "Kunaisa License", operating at kunaisalicense.com, began presenting itself as an official authority of the Government of Panama with powers to issue financial licenses to international organizations. Following client inquiries and industry concern, Zitadelle AG submitted a formal written inquiry to the Superintendency of Banks of Panama requesting official clarification of Kunaisa's regulatory status. The Superintendency's response confirmed that Kunaisa has never held any banking or fiduciary license and is not among any category of supervised entity in Panama. We publish this confirmation below as an industry information notice.
Industry Notice — April 2026
The Superintendency of Banks of Panama has officially confirmed that Kunaisa / Kunaisa License (kunaisalicense.com) has never held any banking or fiduciary license and has no authorization to conduct banking or trust business in or from Panama. Any financial license or authorization issued by Kunaisa carries no regulatory standing in Panama or any other jurisdiction.
Background — What is Kunaisa?
In early 2026, a website operating at kunaisalicense.com began presenting itself as a legal and official authority of the Government of Panama, claiming to be empowered to issue and promote financial licenses to international organizations. The entity attracted attention across financial services channels, with a number of news outlets and service providers referencing it as a new Panamanian licensing authority.
Zitadelle AG received client inquiries about Kunaisa and submitted a formal written inquiry to the Superintendency of Banks of Panama to obtain official clarification of the entity's regulatory status. The Superintendency's response is published in full below.
The Superintendency confirmed that Kunaisa has no current authorization and has never had any authorization under any category — banking, fiduciary, or AML-supervised under Law 23 of 2015. The entity does not appear on any official list of supervised entities maintained by the Superintendency.
Official Confirmation — Superintendency of Banks of Panama
Official communication from the Superintendency of Banks of Panama
Dear Sirs,
Through this means, we refer to the communication sent by email, in which they state that they have identified a website called https://kunaisalicense.com/that presents itself as a "legal and official authority of the Government of Panama, supposedly empowered to issue and promote financial licenses to international organizations."
In response to your request, we would like to emphasize that the Superintendency of Banks is the supervisory and regulatory body for entities that conduct banking business in or from the Republic of Panama, as well as for fiduciary businesses conducted in or from Panama. It also supervises other financial entities, exclusively with regard to the prevention of money laundering, terrorist financing, and the financing of the proliferation of weapons of mass destruction, pursuant to Article 1 of Law 23 of 2015 and its amendments.
Regarding your inquiry, we inform you that "KUNAISA LICENSE" and/or "KUNAISA" do not have, nor have they ever had, any banking or fiduciary license, and therefore lack authorization to conduct banking and/or trust business in or from the Republic of Panama, and are not among the other obligated entities supervised by this Superintendency, in accordance with the provisions of the preceding paragraph.
The list of supervised entities can be found at the following links:
- Banking Entities: superbancos.gob.pa — Banking Entities
- Trust Entities: superbancos.gob.pa — Trust Entities
- Other Obligated Entities: superbancos.gob.pa — Other Entities
Finally, we would like to inform you that the Superintendency of Banks periodically alerts the general public about the importance of taking preventive measures to protect their information and assets. For your reference, the latest publication: Official Notice No. 5-2026 (PDF)
Sincerely,
Superintendency of Banks of Panama
What This Means — Practical Implications for Financial Services Firms
Kunaisa Licenses Carry No Regulatory Standing
Any banking license, financial services authorization, or regulatory certificate issued by Kunaisa or Kunaisa License has no legal validity and is not recognized by the Superintendency of Banks of Panama or any international regulatory body. Entities presenting Kunaisa documentation as evidence of regulatory authorization should be aware that it will not be accepted by banks, PSPs, or regulated counterparties.
How to Verify Panama Financial Licenses
Financial institutions and payment processors conducting due diligence on counterparties claiming Panamanian banking or financial licenses should verify directly against the Superintendency of Banks of Panama's official supervised entity lists — linked in the official letter above. Only entities appearing on these official lists hold valid Panamanian regulatory authorization.
Firms That Purchased Kunaisa Licenses
Firms that obtained Kunaisa licenses based on third-party recommendations may wish to seek independent legal advice regarding their position and options. Zitadelle AG can provide an independent regulatory assessment of what legitimate licensing alternatives are available for your business model.
Reporting Concerns
Firms or individuals with concerns about Kunaisa may wish to contact the Superintendency of Banks of Panama directly at superbancos.gob.pa. The Superintendency periodically issues public alerts on unlicensed entities — the most recent is available at the link provided in the official letter above.
How This Notice Was Prepared
Zitadelle AG received a number of client inquiries about Kunaisa following its promotion in industry channels in early 2026. We submitted a written inquiry to the Superintendency of Banks of Panama requesting official clarification of Kunaisa's regulatory status. The response received confirmed that Kunaisa has never held any authorization from the Superintendency.
We publish this notice as a factual information service for clients and industry contacts. If you have received communications from Kunaisa, have been offered a Kunaisa license, or have questions about legitimate Panama financial licensing, Zitadelle AG is available for a confidential consultation.
How to Verify a Legitimate Panama Financial Services Authorization
- Banking licenses — verify at the official Superintendency of Banks supervised entities list: superbancos.gob.pa/info-gen-bancos/informacion-bancos-reporte
- Fiduciary/trust licenses — verify at: superbancos.gob.pa/fiduciarias/listado
- Securities licenses in Panama — verify with the Superintendency of the Securities Market (SMV): smv.gob.pa
- Insurance licenses — verify with the Superintendency of Insurance and Reinsurance of Panama (SSRP)
- If an entity cannot be found on any official list — it is not licensed. Do not proceed with any financial transaction or license purchase.
Frequently Asked Questions
No. The Superintendency of Banks of Panama has officially confirmed (Ref: EXT-SBP-2026-00851) that KUNAISA LICENSE and/or KUNAISA have never held any banking or fiduciary license and are not authorized to conduct any banking or trust business in or from Panama. Kunaisa is fraudulent.
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Questions about Panama financial licensing?
Zitadelle AG provides independent regulatory advice across 40+ legitimate jurisdictions. If you have questions about the Kunaisa matter or are looking for legitimate Panama financial licensing options, contact us for a confidential assessment.