Malta: FinTech

The OECD Crypto Asset Reporting Framework, commonly abbreviated to CARF, introduced the concept of standardised due diligence requirements that Reporting Crypto Asset Service providers...

Malta has long positioned itself as a forward-looking EU jurisdiction for digital asset businesses combining EU membership, a sophisticated regulatory framework, and a proactive approach to fintech and blockchain innovation.

On the 6th of February 2026, the European Commission issued preliminary findings indicating that a major social media platform's design, specifically its use of infinite scroll, autoplay, push notifications and a highly‑personalised recommender system, may breach the Digital Services Act (DSA). This through fostering compulsive use and undermining users' mental and physical wellbeing, with particular concern for minors and vulnerable adults.

MiCA established a harmonised EU framework for crypto asset services – but left uncertainty where activities involving electronic money tokens (EMTs) overlap with the Revised Payment Services Directive (PSD2).

The Markets in Crypto-Assets Regulation (MiCA) is entering its supervisory phase. Regulatory scrutiny is shifting to the delivery and quality of crypto-asset services.

The Malta Financial Services Authority (MFSA), through its Supervisory ICT Risk and Cybersecurity (SIRC) function...

The European Banking Authority (EBA) has published its Peer Review report for the period 2022 to 2024 in relation to authorisation of EMIs and Payment Services applications under PSD2. This report is a follow-up on the outcomes of its predecessor report.

The legal industry, particularly long-established firms with decades of experience, has long been valued for its commitment to tradition. But beneath the surface of law and client advocacy...

The European Union has reached an important agreement on a new package of rules designed to strengthen consumer protection in digital payments, improve transparency of fees, and create a fairer environment for banks and non bank payment providers.