Regulation & Licensing

Fintech regulation, licences, AML/KYC, compliance and supervisory developments worldwide.

World map highlighting the EU, UK, US, Switzerland, UAE and Singapore for a comparison of fintech regulation

Industry Guide

How Fintech Regulation Differs Between Countries

Fintech regulation depends on the activity, the legal entity and the customer’s location—not simply where an app is built. This guide compares licensing, customer-money protection and cross-border access in the EU, UK, US, Switzerland, UAE and Singapore.

2 h ago · 8 min read

Industry Guide

Understanding VASP Licensing

A virtual asset service provider licence or registration governs specific cryptoasset activities—not every product a business offers. This guide explains the regulatory perimeter, key jurisdictional differences, application requirements and practical checks for customers and operators.

2 h ago · 8 min read

Diagram showing how virtual asset services connect to licensing, custody controls, customer checks and Travel Rule obligations

Industry Guide

EMI vs PSP vs Banking Licence

An electronic money institution issues e-money, a payment service provider performs payment functions, and a bank can accept deposits within its permissions. This guide explains how the models differ, what happens to customer funds and how to check regulatory status across major jurisdictions.

2 h ago · 8 min read

Diagram comparing e-money issuance, payment services and bank deposits, with safeguarding and deposit insurance shown separately

Breaking ·Regulation & Licensing

Bank of England consults on tokenised collateral in central clearing

The Bank of England is consulting on how it would assess central counterparties’ use of tokenised eligible collateral. It says the existing regulatory framework already permits such arrangements, provided central-clearing standards are met.

2 h ago · 1 min read

Tokenised collateral and central clearing consultation