Aegiron Capital Group — Insights https://aegironcapitalgroup.com/en/insights Analysis on market entry, regulation, and fintech in the DACH region en AMLR 2027: What the EU's Single Anti-Money Laundering Rulebook Changes for Obliged Entities https://aegironcapitalgroup.com/en/insights/amlr-2027 https://aegironcapitalgroup.com/en/insights/amlr-2027 Tue, 13 Oct 2026 08:00:00 GMT From 10 July 2027, the EU Anti-Money Laundering Regulation replaces national AML rules in core areas. Due diligence, beneficial ownership, cash limit, crypto — and a preparation plan for fintechs. Tokenised Money: Deposit Tokens, Stablecoins, and the ECB's Pontes https://aegironcapitalgroup.com/en/insights/tokenised-money https://aegironcapitalgroup.com/en/insights/tokenised-money Tue, 06 Oct 2026 08:00:00 GMT Tokenised finance needs a settlement asset. How deposit tokens, MiCA e-money tokens, and the ECB's new Pontes infrastructure for central bank money compare — and what it means for fintechs in the DACH region. Savings and Investments Union and “EU Inc”: What Europe’s Capital Markets Agenda Means for Fintechs https://aegironcapitalgroup.com/en/insights/savings-investments-union https://aegironcapitalgroup.com/en/insights/savings-investments-union Tue, 29 Sep 2026 08:00:00 GMT The EU's Savings and Investments Union is reshaping supervision, tokenisation, and company law. ESMA supervision for crypto firms, a larger DLT Pilot Regime, and EU Inc — what fintechs should plan for. Data Processing Agreements and US Transfers: How DACH Customers Negotiate — and Where the Data Privacy Framework Stands https://aegironcapitalgroup.com/en/insights/dpa-data-transfers https://aegironcapitalgroup.com/en/insights/dpa-data-transfers Tue, 22 Sep 2026 08:00:00 GMT German and Austrian customers negotiate data processing agreements line by line. The points that decide deals, how to structure transfers to the US, and the status of the EU-US Data Privacy Framework after Latombe. Cyber Resilience Act: The Reporting Clock Starts on 11 September — What Software Vendors Must Do Now https://aegironcapitalgroup.com/en/insights/cyber-resilience-act https://aegironcapitalgroup.com/en/insights/cyber-resilience-act Tue, 08 Sep 2026 08:00:00 GMT From 11 September 2026, manufacturers must report actively exploited vulnerabilities and severe incidents within 24 hours. Who the Cyber Resilience Act covers, what pure SaaS means, and a readiness checklist. The Works Council Has a Say: Why Software Rollouts in Germany Stall — and How Vendors Prepare https://aegironcapitalgroup.com/en/insights/works-council-software https://aegironcapitalgroup.com/en/insights/works-council-software Tue, 25 Aug 2026 08:00:00 GMT In German companies with a works council, almost every business software requires co-determination before rollout. What the law says, why deals stall after signature, and what SaaS vendors can prepare in advance. BSI C5, ISO 27001, TISAX: Which Security Evidence German Buyers Actually Ask For https://aegironcapitalgroup.com/en/insights/security-certifications-dach https://aegironcapitalgroup.com/en/insights/security-certifications-dach Tue, 11 Aug 2026 08:00:00 GMT German enterprise buyers expect hard security evidence. Which certificates and attestations matter — ISO 27001, BSI C5 including the new C5:2026, TISAX, SOC 2 — and in which order SaaS vendors should build them. The Permanent Establishment Trap: Tax Risk When Your First Sales Hire Sits in Germany https://aegironcapitalgroup.com/en/insights/permanent-establishment https://aegironcapitalgroup.com/en/insights/permanent-establishment Tue, 28 Jul 2026 08:00:00 GMT A single sales hire in Germany can create a taxable permanent establishment. How the German rules work, where home offices and sales authority become critical, and how to structure safely. GmbH, Branch, or Employer of Record: Choosing the Right Vehicle for DACH Market Entry https://aegironcapitalgroup.com/en/insights/entity-setup-dach https://aegironcapitalgroup.com/en/insights/entity-setup-dach Tue, 14 Jul 2026 08:00:00 GMT Subsidiary, branch, or employer of record? How the three entry vehicles compare in Germany, Austria, and Switzerland — and where the EOR model hits legal limits. CCD2 and the End of the BNPL Grey Zone: What the New Consumer Credit Rules Mean for Fintechs https://aegironcapitalgroup.com/en/insights/ccd2-bnpl https://aegironcapitalgroup.com/en/insights/ccd2-bnpl Fri, 03 Jul 2026 08:00:00 GMT The second Consumer Credit Directive pulls buy-now-pay-later into full regulation from November 2026. Scope, creditworthiness duties, and the DACH consequences. AMLA in Frankfurt: What the EU's New AML Authority Means for DACH Market Entrants https://aegironcapitalgroup.com/en/insights/amla-frankfurt https://aegironcapitalgroup.com/en/insights/amla-frankfurt Wed, 01 Jul 2026 08:00:00 GMT The EU Anti-Money Laundering Authority is being built in Frankfurt. What the AML package of AMLR, AMLD6, and AMLA changes for fintechs in the DACH region — and why 2026 is the year to prepare. AI Act Countdown: What Applies When, Translated for Financial Firms https://aegironcapitalgroup.com/en/insights/ai-act-countdown https://aegironcapitalgroup.com/en/insights/ai-act-countdown Tue, 30 Jun 2026 08:00:00 GMT The EU AI Act's high-risk regime for credit scoring and insurance pricing — postponed to December 2027 by the Digital Omnibus. What applies when, and a practical plan for fintechs and their vendors. EU Passporting in Practice: From Notification to Operations https://aegironcapitalgroup.com/en/insights/eu-passporting https://aegironcapitalgroup.com/en/insights/eu-passporting Fri, 26 Jun 2026 08:00:00 GMT One authorisation, 27 markets — but the passport covers less than many plan for. What really matters in a cross-border DACH entry. eIDAS 2.0 and the EUDI Wallet: The Beginning of the End for KYC as We Know It https://aegironcapitalgroup.com/en/insights/eudi-wallet https://aegironcapitalgroup.com/en/insights/eudi-wallet Thu, 18 Jun 2026 08:00:00 GMT The European Digital Identity Wallet is coming. What wallet-based identification means for onboarding, conversion, and AML processes in the DACH region. The PFOF Ban Arrives: How Neo-Brokers Rebuild Their Economics https://aegironcapitalgroup.com/en/insights/pfof-neobroker https://aegironcapitalgroup.com/en/insights/pfof-neobroker Tue, 16 Jun 2026 08:00:00 GMT Payment for order flow is banned across the EU, with Germany's transition ending mid-2026. What the MiFIR review changes and how neo-broker models adapt. The Digital Euro: What a Central Bank Currency Would Actually Change in the DACH Region https://aegironcapitalgroup.com/en/insights/digital-euro https://aegironcapitalgroup.com/en/insights/digital-euro Thu, 11 Jun 2026 08:00:00 GMT Project status, design decisions, and strategic consequences of the digital euro — analytical rather than hype-driven, with an honest look at the timeline. CSRD After the Omnibus: What Actually Applies Now — and for Whom https://aegironcapitalgroup.com/en/insights/csrd-omnibus https://aegironcapitalgroup.com/en/insights/csrd-omnibus Mon, 08 Jun 2026 08:00:00 GMT The EU's omnibus package rewrote the sustainability-reporting timeline mid-flight. A sober status check on CSRD scope, waves, and DACH practice in 2026. The Instant Payments Regulation: What Mandatory Real-Time Rails Mean for the DACH Market https://aegironcapitalgroup.com/en/insights/instant-payments https://aegironcapitalgroup.com/en/insights/instant-payments Wed, 03 Jun 2026 08:00:00 GMT Instant euro transfers have been mandatory since 2025, and so is verification of payee. Deadlines, sanctions screening, and the strategic consequences for fintechs. Authorised Push Payment Fraud: The DACH Playbook After Verification of Payee https://aegironcapitalgroup.com/en/insights/app-fraud https://aegironcapitalgroup.com/en/insights/app-fraud Wed, 27 May 2026 08:00:00 GMT APP fraud typologies, what verification of payee changes, and the coming liability shift — and how fraud teams should build their stack for it. PSD3 and the PSR: How the EU's Next Payments Framework Reshapes DACH Market Entry https://aegironcapitalgroup.com/en/insights/psd3-psr https://aegironcapitalgroup.com/en/insights/psd3-psr Thu, 21 May 2026 08:00:00 GMT PSD3 and the Payment Services Regulation will replace PSD2 and merge the e-money regime. What payment and e-money firms should prepare for now. Fintech M&A in the DACH Region: Where Deals Die, and How the Good Ones Are Built https://aegironcapitalgroup.com/en/insights/fintech-ma-dach https://aegironcapitalgroup.com/en/insights/fintech-ma-dach Mon, 18 May 2026 08:00:00 GMT Consolidation is reshaping DACH fintech. The transaction mechanics that matter: ownership-control procedures, licence perimeters, AML legacies, and integration. Cloud and Outsourcing Under DORA: What DACH Supervisors Now Expect https://aegironcapitalgroup.com/en/insights/cloud-outsourcing https://aegironcapitalgroup.com/en/insights/cloud-outsourcing Wed, 13 May 2026 08:00:00 GMT Registers of information, contract repapering, concentration risk, and exit strategies — outsourcing governance after the DORA shift. MiCA in Practice: Lessons From the First CASP Licensing Wave https://aegironcapitalgroup.com/en/insights/mica-casp-practice https://aegironcapitalgroup.com/en/insights/mica-casp-practice Wed, 06 May 2026 08:00:00 GMT Transition-period traps, the German bar, and how to structure an application that survives first contact with the supervisor. From Open Banking to Open Finance: What FiDA Would Change — and Why It Keeps Slipping https://aegironcapitalgroup.com/en/insights/fida-open-finance https://aegironcapitalgroup.com/en/insights/fida-open-finance Wed, 29 Apr 2026 08:00:00 GMT The EU's Financial Data Access framework would extend data sharing to savings, investments, and insurance. Status, design, and positioning without a fixed date. Fit and Proper: Building a Management Team That Survives the DACH Licensing Test https://aegironcapitalgroup.com/en/insights/fit-proper https://aegironcapitalgroup.com/en/insights/fit-proper Wed, 22 Apr 2026 08:00:00 GMT How BaFin, FMA, and FINMA assess managing directors — and why the management roster is the one licensing requirement that compounds. Electronic Securities in Germany: eWpG, Crypto Securities, and the Quiet Tokenisation of Capital Markets https://aegironcapitalgroup.com/en/insights/ewpg-dlt https://aegironcapitalgroup.com/en/insights/ewpg-dlt Thu, 16 Apr 2026 08:00:00 GMT Register architecture instead of revolution: where tokenised capital markets really stand between the eWpG, the DLT Pilot Regime, and the Swiss head start. CRR3 and the Final Basel Round: What the New Capital Rules Mean Beyond the Big Banks https://aegironcapitalgroup.com/en/insights/crr3-basel https://aegironcapitalgroup.com/en/insights/crr3-basel Fri, 10 Apr 2026 08:00:00 GMT Output floor, crypto exposures, partner-bank pricing: why fintechs should read bank capital rules too. Germany's Future Financing Agenda: Stock Options, Electronic Shares, and the Startup Capital Question https://aegironcapitalgroup.com/en/insights/zukunftsfinanzierung https://aegironcapitalgroup.com/en/insights/zukunftsfinanzierung Wed, 08 Apr 2026 08:00:00 GMT What the Future Financing Act changed for ESOPs, electronic shares, and listing access — and what founders should put to use now. Building Strategic Partnerships in the DACH Financial Ecosystem https://aegironcapitalgroup.com/en/insights/dach-partnership https://aegironcapitalgroup.com/en/insights/dach-partnership Sat, 04 Apr 2026 08:00:00 GMT How fintech companies can build successful strategic partnerships with banks, insurers, and corporates in Germany, Austria, and Switzerland. Regulatory Sandboxes in the DACH Region: Opportunities and Limitations https://aegironcapitalgroup.com/en/insights/sandbox-regimes https://aegironcapitalgroup.com/en/insights/sandbox-regimes Fri, 03 Apr 2026 08:00:00 GMT An assessment of regulatory sandbox and innovation hub programs in Germany, Austria, and Switzerland, and what they offer to fintech companies.