Deposit from the credit institution and e-money (only) from the e-money institution?
Digital means of payment are more present in public discourse than ever; not least due to the new…
September, sun and blockchain – See you in Barcelona?
The European Blockchain Convention is taking place in Barcelona for the 10th time. The two-day event will bring…
The EU Digital Identity Wallet
Another wallet? Another payment scheme? No, the EU Digital Identity Wallet has a bit of a misleading name…
Annerton’s Guide to Markets in Crypto-Assets Regulation (MiCAR)
The Markets in Crypto-Assets Regulation (MiCAR) aims to promote an innovative crypto ecosystem in the EU. It regulates…
The Digital Euro in the European Election Campaign
The European Commission’s proposal to regulate the digital euro (D€) has been on the table since June 28th,…
Regulation of Crypto Currencies in Europe – An overview
Our infographic provides a comprehensive overview of the key milestones in cryptocurrency regulation in the European Union and…
Overview of the AI Act, the first ever legal framework on AI
The recent success of Chatbots such as ChatGPT, has led to much debate on the use of artificial…
Blockchain in Action – How DLT Enables Sanction Enforcement
The European Union’s 12th sanctions package includes new and extended sanctions against Russia. In addition to the transit…
Further step towards the adoption of the EU AML Package
As previously outlined on paytechlaw, the legislative process for the adoption of the AML Package of the EU…
The EU Commission’s proposals for PSD3 – transitional provisions, Art. 44, 45 PSD3
On 28 June 2023, the EU Commission presented proposals for a Payment Services Directive 3 (“PSD3”) and a…
E-money under PSD3 and PSR
On June 28, 2023, the EU Commission presented proposals for a Payment Services Directive 3 (“PSD3“) and a…
The metamorphosis of a payment instrument into a payment app
If you “google” the term payment app, you come across Apple Pay, Google Pay, Payback Pay, Bluecode, PayPal…
“Fully” decentralised DeFi under MiCAR
The Markets in Crypto-Assets Regulation (MiCAR) excludes crypto-asset services that are provided in a fully decentralised manner without…
European Commission publishes a Proposal for a Regulation on the establishment of the digital euro
On June 28, 2023, the European Commission published a proposal for a regulation (“dEUR Regulation”) on the establishment…