Orientation

The EU Financial Services Legal Ecosystem — Map (digital finance focus)

A layered map of the instruments in this area and how they stack.

The EU financial-services legal ecosystem (digital finance focus)

Work in progress. This area of the knowledge base is a structured stub, currently focused on the digital-finance package. The instrument list and key dates below are drawn from primary sources, but the deep dives are still being written. Anything marked ⚠️ VERIFY has not been independently confirmed.

The starting slice of this area covers the digital finance rulebook:

LayerQuestion it answersMain instruments
1. Crypto-assetsHow are crypto-assets, stablecoins and their service providers regulated?MiCA
2. PaymentsWho may provide payment services and how?PSD2 (PSD3/PSR in the pipeline)
3. Operational resilienceCan the financial sector withstand ICT disruption?DORA — covered in the Cyber area
4. AdjacentPrudential, markets and sustainability layersCRR/CRD, MiFID II, SFDR ⚠️ VERIFY — not yet covered

Where to start

  • MiCA — the first comprehensive EU crypto-asset framework.
  • PSD2 — the current payments framework (open banking); its successor package (PSD3/PSR) is in the legislative pipeline.
  • DORA — the ICT-resilience regime for finance, documented in the Cyber area.

Sources