KYB
When a BaaS provider routes funds for a sub-merchant it didn't fully verify, the compliance failure is the provider's — not the platform's. Here's how to fix the architecture before that happens.
AML
Lithuania can be a fast EMI licensing route — but only when the operating model is ready. The Bank of Lithuania isn't just reading the application. It's testing whether the controls actually work.
Compliance
Many founders treat PI vs EMI as a speed question. It's a product question. The license that fits your MVP may not fit the product you're building twelve months from now — and that gap is expensive.
AML
Alt-investment platforms are no longer judged only on who they onboarded. In 2026, regulators want to know what changed after onboarding, how fast you noticed, and what you did next.
Compliance
BaFin, AMF, and AFM share the same EU rulebook but not the same operating expectations. Here's how retail investment platforms keep one investor journey while staying compliant in all three markets.
AML
Founders usually see compliance as one large budget line. The real cost is distributed across hiring, tooling, reviewer time, and rework — and it compounds when those pieces don't connect.
AML
Most EU founders treat compliance as a policy exercise. The ones who launch in 60 days treat it as an operating build — and sequence it differently.
AML
When a structured note references USDC or uses crypto as collateral, your compliance team is looking at two stacked regimes — not one. Here's what defensible onboarding actually requires.
AML
When a six-figure watch is paid for in USDC and held in third-party storage, the AML question isn't whether your ID check passed. It's whether your file explains the decision.
AML
AIFMD retail access is not one EU-wide switch. Every subscription is a compliance event — disclosure, suitability, source-of-funds, and a decision record that holds up on inspection.
AML
Retail SoF is no longer optional. Here is how to build a risk-based workflow that triggers on the right signals, collects the right documents, and keeps the audit trail clean.
AML
A token that starts as a MiCA crypto-asset can behave like a MiFID II financial instrument six months later. Here is what the onboarding stack needs to handle both.