Governance | Lynsora

Canada fintech regulation article cover illustrating layered regulatory oversight across payments, AML, cryptoassets and cross-border market entry.

From Passporting to Layered Regulation: What Changes When European FinTechs Enter Canada

European fintechs entering Canada face a layered regulatory model rather than a single passportable perimeter. This Regulatory Insight examines how RPAA, FINTRAC and provincial securities requirements can overlap across one operating model.

Third-party control dependency showing provider activity, internal control ownership, decision points, escalation and evidence across the operational process.

When a Critical Control Depends on a Third Party: Who Owns the Control, the Evidence and the Escalation?

A third party may perform an important control activity, but the organisation still needs to own the decision logic, exceptions, escalation and evidence around that dependency.

Swiss AML Reform 2026: Why Beneficial Ownership Transparency Is Becoming an Operating Control

Switzerland’s 2026 AML reform turns beneficial ownership transparency into an operational control. This Regulatory Insight examines the new federal register, expanded AMLA scope for advisers, discrepancy handling, due diligence and supervisory evidence.

Swiss AML Reform 2026: Why Beneficial Ownership Transparency Is Becoming an Operating Control

Lynsora

Oct 510 min read

PSD3 and PSR article cover illustrating EU payments regulation, authorisation, safeguarding, fraud controls, open banking and governance.

PSD3 and PSR: Why Europe’s New Payments Framework Is More Than a PSD2 Update

PSD3 and PSR will reshape Europe’s payments framework by changing how payment institutions are authorised and how services are delivered. This Regulatory Insight examines the implications for safeguarding, fraud controls, open banking, governance and regulatory evidence.

Lynsora

Sep 2810 min read

Tokenised markets article cover illustrating ownership, custody, collateral, settlement money and interoperability across Europe’s financial infrastructure.

From Tokenised Assets to Tokenised Markets: What Europe Needs to Build Between the Ledgers

Tokenisation is moving beyond asset issuance. This Regulatory Insight examines the legal, operational and settlement infrastructure Europe needs to connect ownership, custody, collateral, settlement money and interoperability into a functioning tokenised financial market.

Lynsora

Aug 3110 min read

UK Crypto Regulation 2027: Why FCA Authorisation Is More Than a Licensing Exercise

The UK crypto regime is moving firms from a limited AML perimeter into full FCA authorisation. This Regulatory Insight examines the governance, prudential, safeguarding and operational framework firms will need to build behind the application.

Lynsora

Aug 1210 min read

AMLR 2027: Why Updating the AML Policy Will Not Be Enough

AMLR readiness requires more than updating an AML Policy. This Regulatory Insight examines how the emerging EU rulebook will affect risk assessment, customer due diligence, ongoing monitoring, governance, group controls, reporting, systems and operational evidence.

Lynsora

Aug 111 min read

Having the Right Documents Is Not the Same as Having a Documentation Framework

A complete set of policies and procedures does not automatically create a functioning compliance framework. The real test is whether the documents lead to consistent decisions, controls and evidence.

Lynsora

Jul 257 min read