Compliance/PSD3 + PSR/Fintech & Payments
PSD3 + PSR compliance for Fintech & Payments
Proposed PSR (COM(2023) 366) Art. 83 (transaction monitoring + fraud detection) + Arts. 85-89 (SCA + risk-based exemptions). PSD2 Art. 95 operational risk still operative until PSR applies. PSD3 (COM(2023) 367) is the licensing/supervision directive.
What applies
Articles + provisions of Proposed Payment Services Regulation (COM(2023) 366) + Payment Services Directive 3 (COM(2023) 367) most directly engaged by Fintech & Payments deployments:
- Proposed PSR Art. 83
- Proposed PSR Arts. 85-89
- PSD2 Art. 95
What this looks like in Fintech & Payments
Proposed PSR (COM(2023) 366) Art. 83 (transaction monitoring + fraud detection) + Arts. 85-89 (SCA + risk-based exemptions). PSD2 Art. 95 operational risk still operative until PSR applies. PSD3 (COM(2023) 367) is the licensing/supervision directive.
Flagship examplePSP supervisory inspection on Q3 SCA exemption decisions: chain export + verify.mjs answer.
Where Promethean's evidence layer fits
The substrate emits specific evidence kinds that map to PSD3 + PSR obligations. Most directly relevant for Fintech & Payments:
For the full sector view including LLM-feature catalogue, tier recommendation, and reviewer-gate examples, see the Fintech & Payments sector page.
Adjacent cells
Other regulations for Fintech & Payments