Insights
News and articles on EU fintech topics — licensing, AML, payments, reporting for operators.
Sanctions screening at instant-payment speed
How sanctions screening works for instant payments under the EU Instant Payments Regulation — the shift to daily customer-level screening, architecture, false…
AnaCredit for payment firms: scope, thresholds and the 95-attribute data model
AnaCredit for payment firms and EMIs — the reporting-agent scope test under Regulation (EU) 2016/867, the €25,000 per-debtor threshold, the 95-attribute data…
DAC8 explained — the EU crypto-asset reporting obligation for CASPs
DAC8 explained: Council Directive (EU) 2023/2226, the first reportable year 2026 and the 2027 filing window, who counts as a Reporting CASP,…
MiCA white paper drafting: ARTs and EMTs in practice
How to draft a MiCA white paper for an asset-referenced token or an electronic-money token: the Annex II skeleton, the reserve and…
CESOP XML reporting — mapping a SEPA payment to the CESOP schema, field by field
CESOP XML reporting for PSPs: how a SEPA pacs.008 credit transfer becomes one CESOP record field by field, the 25-payment threshold, refund…
DORA Register of Information: filling Annex III in practice
The DORA Register of Information explained: the fifteen-table structure, the critical-or-important-function test, sub-contracting depth, common validation failures, and the Article 30 contractual…
Verification of Payee under the Instant Payments Regulation
Verification of Payee (VoP) under the Instant Payments Regulation — the IBAN-name check, match outcomes, the liability shift, worked examples and an…
Where to base your EMI: a comparison of six EU jurisdictions
Side-by-side of how an EMI authorisation runs in Spain, the Netherlands, France, Italy, Germany and Luxembourg — supervisor, language, capital, statutory review,…
Designating an AML representative across the EU
How the named AML representative role works across Spain, the Netherlands, France, Italy, Germany and Luxembourg — residency rules, supervisory notifications, personal…
CIRBE: what it is and how it works (Banco de España credit register)
CIRBE, Banco de Espana's central credit register, explained in depth: who reports under Circular 1/2013, the EUR 1,000 rule, what lenders actually…