Insights
News and articles on EU fintech topics — licensing, AML, payments, reporting for operators.
How to issue Spanish IBANs
Companion to the Dutch IBANs walkthrough. The Spanish IBAN format, the entity-code allocation by Banco de España, the BIC application, SEPA scheme…
Branch vs Freedom of Services: when each is the right EU passporting model
Side-by-side of the two cross-border models: physical presence, supervisory architecture, local AML rep, host-state reporting, tax footprint and timing. When FoS fits,…
DORA Article 30: the mandatory clauses for ICT contracts
Every clause Article 30 of DORA requires in ICT contracts, with the additional requirements for services supporting critical or important functions: audit…
UIF Italy and the Archivio Unico Antiriciclaggio
Italy's daily AML archive and SOS reporting to UIF: D.Lgs 231/2007 obligations, the Archivio Unico Antiriciclaggio's daily-update rule, INFOSTAT-UIF intake, the OAM-agent…
MiCA Travel Rule: the Funds Transfer Regulation for crypto
MiCA Travel Rule for crypto transfers under Regulation (EU) 2023/1113 — the Article 14 data set including the LEI field, the EUR…
PSD3 and the Payment Services Regulation: a tracker
Living tracker on PSD3 and the PSR: the open-banking redesign, fraud-loss allocation, non-bank access to settlement systems, the merger of EMI and…
CRS for EMIs: when an EMI is a Reportable Financial Institution
CRS for EMIs after DAC8: from 1 January 2026 an entity that holds E-money for customers is a Depository Institution, the five-condition…
§43 GwG — filing SARs in Germany via goAML
§43 GwG in practice: the three reporting triggers, the §45 goAML registration duty that binds even without a filing, the §46 third-business-day…
FIU-Nederland: how to file unusual transaction reports (goAML)
FIU-Nederland UTR reporting explained: the Dutch 'unusual' standard under Article 16 Wwft, the objective indicators (EUR 10,000 cash, EUR 2,000 remittance), filing…
TRACFIN: what it is and how to file a déclaration de soupçon
TRACFIN explained: France's FIU, the déclaration de soupçon, the déclarant and correspondant roles, the ERMES portal, timing and tipping-off rules.