Compliance-Ready Architecture

Built for EU regulatory compliance from day one. PSD2, EMD2, MiCA, KYC/AML, GDPR, and MiFID II adapters with jurisdiction-aware routing.

Designed for EU Regulatory Compliance

Our platform architecture supports EMI licensing requirements and integrates with licensed partners for compliant operations across the European Union.

Regulatory Framework Support

Comprehensive adapters for EU financial regulations

PSD2 Compatible

Architecture designed to support Payment Services Directive 2 requirements when operating with licensed partners.

  • Strong Customer Authentication (SCA)
  • Open Banking API standards
  • Account Information Services (AIS)
  • Payment Initiation Services (PIS)

EMD2 Ready

Platform architecture prepared for Electronic Money Directive 2 compliance requirements.

  • Support for fund safeguarding
  • Customer fund segregation
  • E-money redemption workflows
  • Operational resilience features

MiCA Compatible

Infrastructure designed with Markets in Crypto-Assets regulation in mind for digital asset operations.

  • Asset-referenced token framework
  • E-money token compliance
  • Reserve asset management
  • Stability mechanism requirements

KYC/AML Framework

Multi-tier identity verification with Ondato integration and Chainalysis sanctions screening.

  • National ID & passport verification
  • Liveness check & selfie matching
  • PEP & sanctions screening
  • Automated risk scoring

GDPR Enhanced

Full data protection framework with ROPA, DPIA, breach notification, and consent management v2.

  • Full data portability & export
  • Right to deletion & anonymization
  • Automated retention policies
  • Granular consent management

MiFID II & Travel Rule

Financial instruments reporting and crypto transfer data requirements with jurisdiction adapters.

  • Transaction reporting adapters
  • Jurisdiction-aware routing
  • Travel Rule VASP compliance
  • Regulatory report generation

KYC/AML System Architecture

Multi-tier verification with progressive access levels

Basic Verification

Level 1
  • National ID verification
  • Selfie with liveness check
  • Automated risk scoring
Daily Limit
€10,000

Enhanced Verification

Level 2
  • Passport verification
  • Proof of address
  • PEP & sanctions screening
Daily Limit
€50,000

Full Verification

Level 3
  • All previous checks
  • Source of funds verification
  • Enhanced due diligence
Daily Limit
Unlimited

Anti-Money Laundering Framework

Real-time monitoring with automated regulatory reporting

Real-Time Transaction Monitoring

  • Pattern Detection
    Structuring, velocity, and unusual patterns
  • Threshold Monitoring
    €10,000 CTR threshold tracking
  • Risk Scoring
    ML-based transaction risk assessment

Automated Regulatory Reporting

  • Currency Transaction Reports (CTR)
    Daily automated generation
  • Suspicious Activity Reports (SAR)
    Monthly candidate identification
  • Compliance Dashboards
    Real-time metrics and alerts
Implemented v3.5.0

GDPR & Data Protection

Full European data protection compliance

Data Export

Full data portability support

Right to Deletion

Secure data anonymization

Retention Policies

Automated data lifecycle

Consent Management

Granular privacy controls

Example Banking Integrations

Reference implementations demonstrating integration patterns

Disclaimer: These are example integrations demonstrating technical capabilities, not active partnerships or endorsements.

Example

Paysera Connector

EMI Integration Example

  • API integration ready
  • Multi-currency support
  • SEPA payments
  • PSD2 compatible APIs
Example

Deutsche Bank API

Banking Integration Demo

  • Corporate API access
  • Multi-currency accounts
  • SWIFT connectivity
  • SEPA Instant support
Example

Santander Module

Open Banking Sample

  • Open Banking APIs
  • Account aggregation
  • Payment initiation
  • Real-time balances
Example

Custom Integrations

Your Bank Here

  • Modular architecture
  • Standard interfaces
  • Webhook support
  • Easy integration

These reference implementations demonstrate integration patterns. No partnerships or endorsements are implied.

Compliance API Endpoints

Programmatic access to compliance features

Note: For fin.levestiare.com, endpoints are available without the /api prefix.

KYC Endpoints

  • GET /api/compliance/kyc/status
  • GET /api/compliance/kyc/requirements
  • POST /api/compliance/kyc/submit
  • POST /api/compliance/kyc/documents

GDPR Endpoints

  • GET /api/compliance/gdpr/consent
  • POST /api/compliance/gdpr/consent
  • POST /api/compliance/gdpr/export
  • POST /api/compliance/gdpr/delete

Regulatory Reporting

  • POST /api/regulatory/reports/ctr
  • POST /api/regulatory/reports/sar-candidates
  • GET /api/regulatory/reports
  • GET /api/regulatory/metrics

Bank Health & Alerting

  • POST /api/bank-health/check
  • GET /api/bank-health/status
  • GET /api/bank-health/alerts/stats
  • PUT /api/bank-health/alerts/config

Security Architecture

Industry-standard security practices

OWASP
Security Guidelines
AES-256
Data Encryption
OAuth 2.0
API Security
bcrypt
Password Hashing
Real-time
Transaction Logging
Automated
Risk Scoring
Built-in
Audit Trail
Flexible
KYC Workflows

Learn More About Our Compliance Architecture

Interested in how our platform can support your compliance requirements? Contact us to learn more.

Contact Us View API Documentation