Insights
News and articles on EU fintech topics — licensing, AML, payments, reporting for operators.
How to register your SEPBLAC representative
Registering an AML representative in Spain through Modelo F22: who can be the representative under Article 26 of Ley 10/2010, the documentation…
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
Filing a Suspicious-Activity Report in Spain: the legal basis, the bank channel versus the F19 web form for EMIs, PIs and CASPs,…
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 FTF explained: Spain's centralised account-ownership register operated by SEPBLAC under Article 43 of Ley 10/2010. Who feeds it, what data flows…
What is SEPBLAC?
SEPBLAC explained: Spain's combined FIU and AML supervisor under Ley 10/2010. Who reports, what gets reported (SAR, DMO, FTF), how it is…
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…
What is CESOP reporting?
CESOP explained: the EU’s quarterly cross-border payments register. Who reports, what data flows, why home-state filing is not enough, and the build-versus-buy…
What is the Banking Information Reference Portal?
The Verwijzingsportaal Bankgegevens (VB) explained: what it is, who queries it, what data flows through it, who must connect, the standard six-month…
How to launch Dutch IBANs
A practical walkthrough of issuing IBANs in the Netherlands: the DNB licence, the SWIFT BIC, the Banking Information Reference Portal (with a…