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Regulatory map

Regulation is not a deadline. Look beyond it. Risk does not stop at borders. Neither does compliance.

Written for the person who has to make the decision, not for a regulator. The regimes that govern the activities the Group’s projects are designed for, in the jurisdictions the Group follows. This is a reference table, not advice. It states the position as at the date shown; each entry links to the primary source. It does not describe any authorisation held or sought by any company of the Group.

JurisdictionRegimeWhat it coversStatusKey dateSource
United KingdomFinancial Services and Markets Act 2000 (Cryptoassets) Regulations 2026 (SI 2026/102)Brings cryptoasset activities (issuing qualifying stablecoins, safeguarding, operating a trading platform, dealing, staking and others) within the FSMA perimeterMade; application gateway openIn force 25 October 2027legislation.gov.uk
United KingdomFinancial promotion of cryptoassets (FSMA s.21; Financial Promotion Order)Any invitation or inducement to engage in cryptoasset activity must be made or approved by an authorised personIn force8 October 2023FCA
United KingdomPayment Services Regulations 2017; Electronic Money Regulations 2011Payment services and e-money issuance; safeguarding of customer fundsIn force13 January 2018 / 30 April 2011legislation.gov.uk
United KingdomData (Use and Access) Act 2025 (amending UK GDPR, Data Protection Act 2018 and PECR)Personal data, automated decision-making (Articles 22A–22D), cookies and electronic marketingIn force (phased)Main provisions 5 February 2026legislation.gov.uk
European UnionMarkets in Crypto-Assets Regulation (EU) 2023/1114 (MiCA)Issuance of asset-referenced and e-money tokens; crypto-asset service providers (CASPs)In force; national transitional periods ended by 1 July 2026Titles III–IV 30 June 2024; remainder 30 December 2024EUR-Lex
European UnionDigital Operational Resilience Act (EU) 2022/2554 (DORA)ICT risk, incident reporting, third-party oversight for financial entitiesIn force17 January 2025EUR-Lex
European UnionArtificial Intelligence Act (EU) 2024/1689Risk-based rules for AI systems; transparency obligationsIn force (phased)General application 2 August 2026EUR-Lex
PolandAct of 1 March 2018 on counteracting money laundering and terrorist financing — Register of Virtual Currency ActivitiesAML registration of virtual-currency exchange, intermediation and account services; not a licence. Neo Bankers sp. z o.o. is entered under No. RDWW-411Registration regime under AML law. Since 1 July 2026 crypto-asset services require a MiCA authorisation (MiCA Art. 143(3)); a registration does not replace itRegister since 31 October 2021; MiCA transitional period ended 1 July 2026gov.pl (IAS Katowice)
LiechtensteinToken and Trusted Technology Service Provider Act (TVTG), as amended for MiCARegistration of TT service providers with the FMA; token economyIn force1 January 2020FMA Liechtenstein
SwitzerlandDLT Act amendments; Financial Institutions Act; FINMA guidanceLedger-based securities, DLT trading facilities, FINMA licensing categoriesIn force1 February / 1 August 2021FINMA

Entries are reviewed when a regime changes and at least quarterly. Corrections may be sent through Regulatory and compliance. Third-party websites are linked for reference only; the Group is not responsible for their content.

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