{"id":21107,"date":"2018-11-12T16:14:14","date_gmt":"2018-11-12T15:14:14","guid":{"rendered":"https:\/\/test.watsonlaw.nl\/blockchain-smart-contracts-icos-stos\/"},"modified":"2026-08-04T11:31:43","modified_gmt":"2026-08-04T09:31:43","slug":"payments","status":"publish","type":"page","link":"https:\/\/watsonlaw.nl\/en\/fintech\/payments\/","title":{"rendered":"Payments & E-money"},"content":{"rendered":"

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New technologies demand new insights.<\/p>\n

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Here’s our point of view: <\/span>
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The payments and electronic money (e-money) sector is subject to an increasingly detailed regulatory framework. Depending on the business model, businesses in this space may face questions about the qualification of their services under the Payment Services Directive (PSD2) and the Electronic Money Directive (EMD2), the scope of the licensing requirements, exemptions and exceptions, safeguarding of client funds and assets, governance and internal controls, and the interaction with adjacent frameworks such as DORA, AMLD, and in certain cases MiCA. In the Netherlands, DNB grants licences to banks, payment institutions and electronic money institutions and acts as prudential supervisor in the sector.<\/p>\n

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Watsonlaw advises clients on a broad range of legal and regulatory matters relating to payment services, electronic money and digital finance. We assist founders, scale-ups, established financial institutions and international businesses in analysing and structuring innovative products and services, determining whether a licence is required, preparing for a licensing process and navigating the wider supervisory framework. Our work ranges from early-stage qualification and structuring questions to licence applications, policy design, regulatory engagement and ongoing compliance support.<\/p>\n

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As part of our broader Fintech practice, our Payments & E-money expertise covers both regulatory and transactional matters relating to payment flows, e-money products, wallet and stored-value structures, and the interaction between traditional payment regulation and crypto-linked models.<\/p>\n

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How can we help?<\/span><\/h2>\n

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