The EU regimes that decide your route, in plain English
Each guide is written for founders and operators, and each material statement cites the instrument and article behind it.
Payments and e-money: PI, EMI and PSD2
Payment institution and electronic money institution authorisation under PSD2 and the E-Money Directive, the scope exclusions that come first, and exactly how far the proposed PSD3 and Payment Services Regulation have actually got.
Read the guideInvestment services: MiFID II
Authorisation, capital and cross-border operation for investment firms providing MiFID II services.
Read the guideCrowdfunding: ECSPR
The European Crowdfunding Service Providers Regulation, including the scope limits that decide whether it applies to you at all.
Read the guideCrypto-assets: MiCA
The Markets in Crypto-Assets Regulation: crypto-asset service authorisation, token issuance, and the transitional arrangement that has now ended.
Read the guideBanking branches: passporting and CRD VI
Cross-border branches for EEA credit institutions, and the CRD VI framework that changes how third-country banks reach EU clients.
Read the guideAML and DORA: two separate frameworks, not one regime
Anti-money-laundering obligations and the Digital Operational Resilience Act. They are cited together often, but they have different scopes, different sources and different supervisors.
Read the guideNot sure which regime applies?
Talk through which regime your product actually raises, or map it yourself first with the free orientation tool.