EBA finalises Q&As on EMT issuers AML scope and Lightning Network Travel Rule
EBA published final Q&As clarifying AML scope for e-money token (EMT) issuers and applicability of the Travel Rule to Lightning Network transactions.
EBA's final Q&As clarify that EMT issuers fall within specific AML requirements and address whether Lightning Network transactions are captured by the Transfer of Funds Regulation and Travel Rule Guidelines. This narrows interpretive ambiguity for crypto and stablecoin operators under MiCA-aligned supervision.
Directly affects MiCA/TFR compliance scoping for crypto-asset service providers and stablecoin issuers operating in the EU.
Action Required
Update crypto-asset AML/CFT policies and Travel Rule controls to reflect EBA clarifications on EMT issuers and Lightning Network transfers.
Resolves key MiCA/TFR scoping questions impacting crypto compliance programs across EU institutions.
EBA Q&A clarifications on EMT AML scope and Lightning Network Travel Rule applicability require review of crypto-asset onboarding, transaction monitoring, and travel rule data collection controls.
“EBA E-mail alert 22 May, 2026. Final Q&As 2024_7078 Issuers of EMTs and scope of application AML requirements; 2024_7172 Lightning Network (LN) Transactions and whether they fall within the scope of the TFR and Travel Rule Guidelines.”
Published: 2026-05-22