Compliance in Europe: KYC and AML solutions with zero regulatory gaps

Don’t let the fragmentation between identity verification and risk management compromise your compliance in the European regulatory landscape. Our solution integrates KYC, AML, and fraud prevention into a comprehensive 360º defense designed under the EU’s most stringent standards. With explainable AI, full traceability, and audit‑ready controls for PSD3, eIDAS 2.0 and GDPR.

Built on 20 years of European regulatory expertise.
Compliant with GDPR and ISO 27001.

Trusted by leading clients

International certifications and standards

Regional Overview

Europe operates the world’s most sophisticated and harmonized regulatory environment, establishing global benchmarks through comprehensive frameworks that balance innovation, consumer protection, and financial stability.

Regulatory Landscape

Payment Services Evolution

PSD2 (Current)

Strong Customer Authentication (SCA) mandates, open banking APIs, enhanced fraud monitoring

PSD3 (Expected 2026-2027)

Extended authentication periods (up to 180 days for trusted devices), advanced biometric standards, strengthened fraud detection requirements, harmonized European standards

PSR (Payment Services Regulation) Expected 2026-2027

Immediate applicability requirements, API-first architecture mandates

Digital Identity & Signatures

eIDAS Framework

Advanced electronic signatures with qualified signature integration for cross-border recognition, face-to-face verification for high-value transactions

European Digital Identity Wallet

Upcoming EU-wide digital identity infrastructure

Data Protection Leadership

GDPR

Biometric data processing infrastructure, 24-hour breach notification capabilities, data minimization principles, tools enabling subject rights fulfillment

Privacy-First Innovation

Balancing compliance automation with strict data protection

Key Compliance Challenges

Multi-factor authentication combining inherence (biometrics), possession (device), and knowledge factors
Interoperable authentication systems across EU member states
Real-time transaction monitoring meeting strengthened PSD2 requirements
Cross-border regulatory harmonization across 27 member states
Open banking and Open Finance data sharing frameworks

Crafted in the EU's Strictest Environment

Operating in Europe’s demanding regulatory landscape, Facephi delivers fully compliant products aligned with global standards. Our products meet current PSD2 requirements and are already engineered for smooth implementation.

13 AML/CFT control areas

CDD, screening, transaction monitoring, authentication. FATF-aligned

Solutions Portfolio

Strong Customer Authentication (SCA) with multi-modal biometrics
eIDAS-compliant electronic signatures
GDPR-ready biometric data processing
Open banking API integration
PSD2-ready authentication frameworks

Featured Markets

Spain
Germany
France
Italy
Netherlands

Poland
Portugal
Belgium
Austria

Turn Europe’s regulatory complexity into your competitive advantage

Europe sets the global standard for digital finance regulation. Whether you’re preparing for PSD3, strengthening SCA, or scaling compliant digital identity across markets, Facephi helps you move forward with confidence – backed by solutions built and proven in Europe’s most demanding regulatory environment.

Explore Compliance Solutions