The EU regimes that decide your route, in plain English
Each guide is written for founders and operators and linked to official sources. They are illustrative overviews, not legal advice.
Payments and e-money: PI, EMI, PSD2 and PSD3
PI, EMI, PSD2 and the incoming PSD3 / PSR framework for payment and e-money businesses.
Read the guideInvestment services: MiFID II
Authorisation and passporting for investment firms providing MiFID II services.
Read the guideCrowdfunding: ECSPR
The European Crowdfunding Service Providers Regulation for investment and lending platforms.
Read the guideCrypto-assets: MiCA
The Markets in Crypto-Assets Regulation for crypto-asset service providers and token issuers.
Read the guideBanking branches: passporting and CRD VI
Cross-border branches, passporting and the CRD VI framework for third-country bank branches.
Read the guideAML, financial crime, DORA and operational resilience
Anti-money-laundering, financial-crime controls and the Digital Operational Resilience Act.
Read the guideRenIQ provides regulatory strategy and programme delivery. It is not a law firm and this content is illustrative guidance, not legal advice. Regime details are summaries that may change, so always verify against current rules and official sources, and take formal advice before acting.
Not sure which regime applies?
Run the free assessment to map your product to the likely EU regime and licensing pathway.