News and Insights

Progressing fund tokenisation: Inside the FCA’s new consultation on digital funds

The FCA’s consultation paper CP25/28 outlines a new phase in fund tokenisation, enabling authorised funds to use distributed ledger technology. This consultation could redefine how UK asset managers operate — creating faster, safer, and more transparent markets.

7 days ago

RegPass.ai wins “Best AI Solution for Regulatory Horizon Scanning” at the A‑Team Group AI in Capital Markets 2025 Awards

RegPass.ai was named Best AI Solution for Regulatory Horizon Scanning at the A‑Team Group AI in Capital Markets 2025 Awards. From the first alert to audit sign‑off, we help compliance teams cut through the noise with explainable, auditable AI.

13 days ago

Fintech opportunities in the UK: Why the country remains a fintech destination

The UK remains one of the world’s top fintech destinations, combining pro-innovation reforms, deep capital markets, and international partnerships. With Mansion House reforms, new sandbox initiatives, and cross-border alignment with the US and Singapore, the UK is laying the foundations to cement its leadership as a global fintech hub by 2035.

25 days ago

Navigating regulatory sandboxes: A practical guide for fintech innovators

Regulatory sandboxes give fintechs the chance to test innovative products in a controlled environment, under regulator supervision. This article compares sandbox frameworks across Europe, Singapore, and Nigeria—highlighting who can apply, how they work, and why they matter for firms bringing new ideas to market.

33 days ago

Project Crypto & the Crypto Sprint: A practical roadmap for the US crypto market

The SEC’s Project Crypto and the CFTC’s Crypto Sprint mark a turning point in U.S. crypto regulation. By adopting a technology-neutral, activity-based framework, regulators aim to simplify oversight, reduce compliance costs, and provide clarity within 12–18 months. This coordinated approach balances innovation with investor protection, creating new opportunities for exchanges, brokers, and stablecoin issuers.

45 days ago

Cross-border AI Compliance in Finance: What to expect across US, EU and China

From credit scoring to robo-advice, artificial intelligence is transforming financial services. But each jurisdiction—US, EU, and China—brings different regulatory expectations. In this blog, we break down the core AI rules, highlight financial sector implications, and offer practical guidance for firms navigating compliance and licensing across borders.

59 days ago

Navigating global crypto regulations: A comparison of key regimes for fintech expansion

Five crypto regimes at a glance—scope, applicability and prudential takeaways to guide cross-border fintech growth.

74 days ago

Spotlight: MiCA CASP licence

The Markets in Crypto-Assets Regulation (MiCA) has introduced a harmonised EU-wide licensing regime for crypto-asset service providers (CASPs), now in full effect as of 30 December 2024. This article outlines what the CASP licence covers, key authorisation requirements, and strategic considerations for firms applying under MiCA. It also highlights how existing licences—whether in the EU or other jurisdictions—can be leveraged for a faster path to compliance, and how transitional provisions may support early market access.

81 days ago

Why stablecoins are going mainstream in 2025

Stablecoins are no longer a side topic in crypto — they’re becoming core infrastructure for global finance. In this post, we explore the key trends driving their adoption, the impact of new regulations like MiCA and the GENIUS Act, and how major institutions are moving fast to seize the opportunity.

94 days ago

The UK’s 2035 Vision for Financial Services: Policy, Reform, and Opportunity

In her Mansion House speech, Chancellor Rachel Reeves unveiled sweeping reforms set to redefine the UK’s financial sector. In this article, we break down what the Leeds Reforms mean for startups, how the new regulatory environment can accelerate your market entry, and why now is the time to take a closer look at expanding into the UK.

101 days ago

Licensing momentum through regulatory clarity

The UK is shaping its crypto regulatory future with Cryptopru. We break down what this means for fintechs—and how early movers can turn regulation into opportunity.

104 days ago

UK and Singapore: A regulatory alliance shaping fintech expansion

The UK and Singapore are aligning on fintech regulation—from AI to ESG. Here's why this matters for startups expanding between Asia and Europe, and how FXp helps you turn licensing into a growth advantage.

110 days ago

Expansion without borders: Why licensing is a strategic growth lever

Discover how fintechs use regulatory licensing as a growth strategy to expand globally, attract investors, and boost valuation with FintechXpndr

126 days ago

The power of licensing for ambitious fintechs

Outside the US, few fintechs achieve unicorn status without international growth; navigating regulatory licensing is key to unlocking new markets and achieving billion-dollar valuations. In FintechXpndr’s latest blog post, we explore how neo-banks use licensing to (1) Expand their Total Addressable Market; (2) Build investor trust by showcasing regulatory competence; (3) Drive product and service innovation.

385 days ago

“We Can't Afford This Risk Management Project”

Today’s £62 million fine imposed on Citi by the PRA and FCA underscores the real cost of inadequate risk management systems. Unfortunately, this is not an isolated incident; significant fines have been levied on most major financial institutions for similar failings in risk management and controls.

523 days ago

Consumer Duty Board reporting

A recent poll revealed that only 1% of firms have completed their annual Consumer Duty Board report. With the deadline of July 31, 2024, fast approaching, it's crucial for firms to expedite their efforts to avoid non-compliance and potential FCA sanctions.

524 days ago

ESMA MiCA third consultation paper: a deep-dive into proposed market abuse requirements for crypto-assets

The proposed market abuse rules for crypto-assets under MiCA are based heavily on the existing TradFi rules set out in MAR. Potential challenges facing crypto firms operating in the EU include: the expansive scope of Persons Professionally Arranging or Executing Transactions (PPAETs); prohibition of certain business practices (e.g. MEV); and difficulty attributing responsibility for STOR submission.

529 days ago

FCA Dear CEO letter to Annex I firms (non-bank lenders) on financial crime controls

The FCA has written to CEOs of Annex 1 firms setting out findings from recent assessments of how firms are complying with money laundering regulations

601 days ago

Singapore’s Generative AI Model Governance Framework: impacts on the Financial Services Industry

Singapore launched its first Model Governance Framework on traditional AI in 2019, later revising it in 2020. Updating the framework again is necessary amid emerging concerns and threat scenarios surrounding the use and development of generative AI. The main aim of the new Framework is to promote public understanding and trust in technologies enabling end-users to access generative AI confidently and safely.

609 days ago

UK Car Finance Discretionary Commission Scandal: A Guide For Car Dealers, Car Finance Firms and Motor Finance Credit Brokers

As the UK Car Finance Discretionary Commission Scandal unfolds, Car Dealers, Car Finance Firms and Motor Finance Credit Brokers find themselves at the epicentre of potentially substantial financial exposure. This guide helps Car Dealers and Car Finance Firms understand the background to the Car Finance Discretionary Commission Scandal and what they need to do to mitigate the impact on their business.

655 days ago