Insights
News and articles on EU fintech topics — licensing, AML, payments, reporting for operators.
What is the DTE? Spain’s BdE Circular 1/2012
The DTE explained: Banco de España's balance-of-payments return under Circular 1/2012. Who files, what data is captured per cross-border operation, how it…
How to register your SEPBLAC representative
How to register your SEPBLAC representative under Article 26 ter of Ley 10/2010: who is eligible, the three different answers for branches,…
What is EDITRAN?
EDITRAN explained: the secure file-transfer rail used by BdE and SEPBLAC for high-volume reporting (DMO, FTF, CIRBE, DTE). Onboarding, hosted broker vs…
How to file a SAR in Spain
How to file a SAR in Spain: Ley 10/2010 legal basis, the SEPBLAC F19 channel for EMIs and PIs, worked examples, deadlines…
What is the DMO? SEPBLAC monthly reporting
The DMO explained: SEPBLAC's monthly systematic reporting under Article 20 of Ley 10/2010. Categories of operations, how it differs from a SAR,…
What is the FTF? Spain account-ownership
The Fichero de Titularidades Financieras (FTF) is Spain's central account-ownership register — who must file, what data goes in, how the monthly…
SEPBLAC explained — Spain’s FIU and AML supervisor, and everything you have to report to it
SEPBLAC is Spain's financial intelligence unit and AML supervisor in one body. What it does under Ley 10/2010, the four things you…
What is IPR reporting? Instant Payments
IPR reporting explained: EBA PAY-4.2, the six S-tables, the 9 April 2026 first deadline, the four-year backfill from 2022, and national variations…
CESOP reporting: rules, thresholds and who must file
CESOP reporting explained: the EU cross-border payments register since 1 January 2024, the more-than-25-payments-per-payee-per-quarter threshold, who reports when the payee bank is…
Verwijzingsportaal Bankgegevens: the Dutch Banking Information Reference Portal explained
The Verwijzingsportaal Bankgegevens (VB) explained in English: who queries it, the mandatory connection before issuing Dutch IBANs, the 24/7 availability requirement, DNB…