EU representative for fintech
Fintech sits at the intersection of the GDPR, PSD2 and AML rules, and serving EU users triggers Article 27. Usantis gives your fintech a representative with the priority handling the sector needs.
Why fintech companies need an EU representative
Article 27 GDPR applies based on what you do, not where you are based. If your fintech business offers services to, or monitors, people in the EU, you need a representative established in the EU. The full rules are in our EU GDPR representative guide.
Usantis gives you that representative — a real EU address, a named representative and DSAR handling — without opening an EU entity.
Compliance challenges for fintech
- PSD2 / PSD3 overlapping with the GDPR
- The EU MiCA Regulation for crypto-adjacent fintech
- AML and KYC retention conflicting with erasure rights
- Open-banking data sharing
Where the risk usually hides
- Transaction-history retention
- Automated credit decisions (Article 22)
- AML data sharing
Typical setups we cover
- Neobanks
- Payment processors
- Lending platforms
- Invoice and factoring tech
Works with your stack
We slot in alongside the tools fintech teams already use:
Recommended plan
Premium
€199/monthA heavily regulated sector; Premium’s faster SLA and counsel access are essential.
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Last updated 2026-05-23.
Get your fintech business EU-compliant in about ten minutes
€99/month, fully self-service, with DSAR handling and a hosted compliance page included.