Research EU fintech regulation with trusted AI

Cite PSD2, DORA, MiCA, MiFID II, and every ESA Q&A to the article. Licensing, resilience, and supervision in one search.

PSD2 / PSD3 MiCA & DORA AML & MiFID II
Navigating multiple fintech frameworks at once?

Built for fintech compliance. Ready for every framework.

10+ frameworks from PSD2 and DORA to MiCA, MiFID II, and AML
27 states passportable authorisations
3 ESAs EBA, ESMA, EIOPA indexed
Daily updates as guidance publishes
Fintech coverage
PSD2 / PSD3 · MiCA · DORA · MiFID II / MiFIR · AMLR · EMD2 · CRD / CRR · MAR · EMIR · eIDAS 2.0
How it works

From your documents to a full regulatory position

Use eulaw.ai alongside your own filings and policies to build regulator-grade answers across every fintech framework. Not a replacement for your compliance programme, but a research accelerator underneath it.

1

Upload

Your licence application, client agreements, ICT risk register, or AML policies, directly into the chat. Documents persist across the whole conversation.

2

Ask

Scope licensing across PSD2, MiCA, and CRD. Map DORA ICT obligations. Cross-reference AML with MiFID II. Draft passporting notifications. Cross-referenced to the frameworks, every RTS and ITS, and ESMA / EBA / EIOPA Q&As.

3

Export

A citation-backed compliance report with paragraph-level gaps, obligation by obligation, ready for your national competent authority filing or board-level briefing.

PSD2: does our payment service need a licence?

Under Directive (EU) 2015/2366 (PSD2), if your service falls within Annex I and you are not exempt, you need one of three regulatory paths:

Possible paths

  • Payment Institution (Art. 11): full authorisation for any Annex I service
  • Small Payment Institution (Art. 32): simplified regime, capped at €3M average monthly transactions (Member State option)
  • Electronic Money Institution (EMI) under EMD2: if you also issue e-money

Annex I coverage

Annex I lists 8 payment services: cash deposits/withdrawals, execution of direct debits and credit transfers, card issuing, acquiring, money remittance, and the PSD2 additions, Payment Initiation Services (PIS) and Account Information Services (AIS).

Out of scope (Art. 3)

Commercial agents, limited-network instruments, and pure technical service providers may fall outside PSD2 entirely. Technical-service-provider status is narrowly construed by the EBA.

Trusted by fintech legal and compliance teams across Europe

In-house counsel, compliance officers, and ICT-risk teams at banks, payment institutions, and crypto-asset providers rely on eulaw.ai when every framework overlaps at once.

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The best AI for any research related to EU law and regulations. It always comes up with the best answer.

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eulaw.ai is the only tool I trust for EU financial regulation. It has cut our compliance research time by at least 30%.

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eulaw.ai enables us to take on clients from industries and jurisdictions we previously would have had to decline.

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A single fabricated case citation can lead to professional sanctions. eulaw.ai eliminates this risk by anchoring every response in verified legal sources.

Not a generic AI chatbot.
A research tool built for EU fintech.

eulaw.ai reads every fintech framework: PSD2, PSD3, MiCA, DORA, MiFID II, MiFIR, MAR, EMIR, CRD, CRR, AMLR, EMD2, ECSPR, eIDAS 2.0. Plus every RTS, ITS, ESMA / EBA / EIOPA Q&A, and national transposition. Every answer traces back to the exact article, in every EU official language, updated as new supervisory guidance publishes. The research assistant fintech legal and compliance teams reach for when ten frameworks all apply at once.

Your data never leaves the EU

We built eulaw.ai on sovereign EU infrastructure from day one. Every byte is encrypted in transit and at rest. We run large language models on EU-managed cloud infrastructure. Nothing is sent to public AI APIs, model providers do not receive or store your content, and no customer data is used for training.

Your first fintech citation in 30 seconds.

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