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As the state formalises its bespoke licensing regime, providers will need to review pricing structures and focus on transparency and disclosures to meet consumer protection standards.

The regulator's new opinion clarifies dual authorisation rules for crypto-asset service providers (CASPs), offering interim guidance but reinforcing that long-term regulatory stability will remain elusive until the new framework for payments regulation is introduced.

With less than a year until the Small Domestic Deposit Taker (SDDT) regime takes full effect, smaller UK banks must act now to prepare for simplified capital rules and updated supervisory expectations. While full requirements under the regime will apply from January 1, 2027, certain expectations, including revised ICAAP update frequencies, are already in force, making early alignment of systems, governance, and data essential.

Bank Negara Malaysia (BNM), Malaysia’s central bank, launched an exposure draft on open finance in November 2025 seeking public feedback on a system which it states will offer consumers a safer and more structured framework for sharing their financial information than existing data-sharing arrangements.

The ninth edition of the UK’s Regulatory Initiatives Grid, published in December 2025, sets out the country’s financial services regulatory agenda for the next two years. In this piece, Vixio examines what the regulators have outlined in the investment sections of the latest grid, explains the likely impact of developments on financial institutions and suggests what the regulators’ stated priorities tell us about the direction of travel in the UK.

Directive (EU) 2023/2225 (Consumer Credit Directive 2 – CCD2) was published in the Official Journal of the European Union on October 30, 2023. It repeals Directive 2008/48/EC (Consumer Credit Directive – CCD) and lays down a common framework for the harmonisation of certain aspects of the laws, regulations and administrative provision of member states concerning credit agreements for consumers. This Mapping EU Legislation: CCD2 page will be updated in line with any CCD2 update.

The ninth edition of the UK’s Regulatory Initiatives Grid, published in December 2025, sets out the country’s financial services regulatory agenda for the next two years. In this piece, Vixio examines what the regulators have outlined in the payments section of the latest grid, explains the likely impact of developments on financial institutions and suggests what the regulators’ stated priorities tell us about the direction of travel in the UK.

On January 12, 2026, the Dubai Financial Services Authority (DFSA) implemented significant amendments to its crypto token regime, shifting suitability assessments from the regulator to firms operating in or from the Dubai International Financial Centre (DIFC), Dubai’s special economic zone.

In addition to the much-discussed objective of payments sovereignty, a domestic alternative could lead to greater operational resilience and a decrease in the complexity of remaining compliant.

Brazil’s Pix instant payments system has evolved into one of the world’s most advanced and widely used instant payments systems, transforming the financial landscape of Latin America's largest economy. Since its launch in 2020 by the Central Bank of Brazil (BCB), Pix has streamlined and digitised payments at scale, fundamentally changing how individuals and businesses move money in Brazil.