EU AI Act compliance for Fintech & Payments

What applies

Articles + provisions of Regulation (EU) 2024/1689 — Artificial Intelligence Act most directly engaged by Fintech & Payments deployments:

• Art. 6(2)
• Annex III §5(b)
• Art. 12
• Art. 14
• Art. 15

What this looks like in Fintech & Payments

Credit-scoring AI is high-risk under Annex III §5(b) (fraud-detection AI is carved out). Art. 12 record-keeping + Art. 14 human oversight + Art. 15 accuracy/robustness apply.

Flagship exampleBNPL operator under DPA inquiry: did the credit model trigger fallback when it should have? L12 chain answers per-decision.

Where Promethean's evidence layer fits

The substrate emits specific evidence kinds that map to EU AI Act obligations. Most directly relevant for Fintech & Payments:

• l12-receipt-chain

• spec-hash-commitment

• reviewer-gate-log

For the full sector view including LLM-feature catalogue, tier recommendation, and reviewer-gate examples, see the Fintech & Payments sector page.