Insights
News and articles on EU fintech topics — licensing, AML, payments, reporting for operators.
Payment institution licence in Spain (BdE)
Payment institution licence in Spain: the eight services the Banco de España can license, the capital floors, AIS registration and the file…
EMI licence in Spain — the Banco de España application file
EMI licence in Spain: the RD 778/2012 application file letter by letter, the three-month clock and negative silence, and the SEPBLAC report.
How to issue Spanish IBANs
How to issue Spanish IBANs: the format, entity-code allocation by the Banco de España, the BIC application, SEPA adherence and the reporting…
Branch vs Freedom of Services — which passport to use
The two EU cross-border models compared: physical presence, supervisory architecture, local AML representative, host-state reporting and timing.
DORA Article 30: the mandatory clauses for ICT contracts
Every clause DORA Article 30 requires in ICT contracts, plus the additions for critical functions: audit rights, sub-contracting and exit strategy.
UIF Italy and the Archivio Unico Antiriciclaggio
Italy's Archivio Unico Antiriciclaggio and SOS reporting: the D.Lgs 231/2007 obligations, the daily-update rule and the INFOSTAT-UIF intake.
MiCA Travel Rule: the Funds Transfer Regulation for crypto
The MiCA travel rule under Regulation (EU) 2023/1113: the Article 14 data set, the self-hosted wallet test and missing-information handling.
PSD3 and the Payment Services Regulation: a tracker
Tracker on PSD3 and the PSR: the open-banking redesign, fraud-loss allocation, non-bank settlement access and the merger of the EMI and PI…
CRS for EMIs — when you are a Financial Institution
CRS for EMIs after DAC8: from 1 January 2026 an entity holding e-money is a Depository Institution — the five-condition test and…
§43 GwG — filing SARs in Germany via goAML
Section 43 GwG in practice: the three reporting triggers, the goAML registration duty that binds even without a filing, and the execution…