Banking.Vision
The market for tokenized real-world assets is growing faster than the regulatory maturity of most projects. Those who fail to define the right regulatory perimeter today will pay for it later in time, capital, and credibility.
Banking.Vision
Access to the EU crypto market is possible without holding a MiCA licence – for example, via white-label or partnership arrangements with a licensed CASP. The key point is that regulatory responsibility, processes and boundaries are clearly defined and remain with the licensed provider.
Banking.Vision
Many FinTechs lose investors not because of their product, team or market, but due to weaknesses in compliance and regulatory posture. What matters is a robust, scalable compliance framework that builds trust during due diligence rather than highlighting risks.
Banking.Vision
Many FinTechs struggle with compliance, not because of the regulations themselves, but due to misplaced priorities – either too little or too much attention is given. The key lies in a streamlined setup that provides exactly what matters from regulatory and partner perspectives.
Banking.Vision
Many FinTechs fail during the bank onboarding process, not because of their business model, but due to inadequate preparation. What banks actually expect is often underestimated.
Banking.Vision
The 9th amendment to the MaRisk (consultation 02/2026) establishes the categories “small institution” (SNCI) and “very small institution” directly within the circular and transposes numerous reliefs from the supervisory notice of 26 November 2024 into binding supervisory law – including in relation to validation, stress testing, separation of functions, outsourcing, lending activities and reporting.
Banking.Vision
In pillar 4 of our governance matrix, we move away from the psychological level and focus on the ‘hard’ infrastructure: the integrity of information and proactive management through compliance.
Banking.Vision
The Instant Payments Regulation supplements the existing SEPA Regulation with new, uniform reporting requirements (regulatory reporting). In the future, payment service providers must submit their data in a structured format to the relevant national supervisory authority. What does this mean for banks?