Insights
News and articles on EU fintech topics — licensing, AML, payments, reporting for operators.
AnaCredit for payment firms: when ‘bank-only’ is wrong
AnaCredit explained for non-bank PSPs: when the ECB's analytical credit dataset catches PIs and EMIs, the per-debtor threshold, the 95-attribute file, and…
DAC8: the EU’s new crypto reporting obligation, country by country
DAC8 explained: the EU implementation of the OECD's Crypto-Asset Reporting Framework. Who is in scope, what data is captured, the 2026 first…
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…
Mapping a SEPA payment to the CESOP XML schema
Field-by-field walkthrough of how a SEPA pacs.008 credit transfer turns into a CESOP record. Pacs.008 to CESOP mapping table, refund linkage via…
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
VoP explained: the IPR-mandated name-check on every SEPA credit transfer, the 9 October 2025 deadline, the liability shift, the latency budget under…
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…
What is CIRBE — the Spanish credit-risk register?
CIR / CIRBE explained: Banco de España's central credit-risk register under Ley 44/2002 and Circular 1/2013. What is reported, who feeds it,…
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…