AML Regulatory Readiness for Embedded Finance and Crypto

Introduction

Regulatory expectations for embedded finance, crypto, and digital payments are changing faster than ever. MiCA, PSD3, AMLA, BNPL reforms, and evolving U.S. oversight are reshaping how financial institutions manage AML compliance across jurisdictions. 

This whitepaper explores the regulatory convergence affecting BaaS providers, CASPs, payment service providers, and fintechs, highlighting practical readiness strategies, key compliance risks, and actionable steps to strengthen AML programs before the next wave of supervisory enforcement.