Travel rule

Roles that need it

• Payments Operations Analyst
• Payments Messaging Specialist (SWIFT)
• AML Analyst
• Sanctions Analyst
• Compliance Officer

Skills it belongs to

• Anti-money laundering regulation
• Payment systems and messaging (SWIFT, ISO 20022, SEPA, ACH, UPI)
• Digital assets and crypto regulation (MiCA and global rules)

Related concepts

• CASP (Crypto-Asset Service Provider)A crypto-asset service provider is a firm authorised under MiCA to provide services such as custody of crypto-assets, operating a trading platform, exchange for funds or other crypto-assets, order execution, advice or portfolio management. Authorisation in one member state gives a passport across the EU; transitional periods ended by 1 July 2026.
• MiCA (Markets in Crypto-Assets Regulation)MiCA, Regulation (EU) 2023/1114, is the EU framework for crypto-assets not covered by other financial law. It regulates issuers of asset-referenced tokens and e-money tokens (stablecoins) since 30 June 2024, and crypto-asset service providers, white papers and market abuse in crypto-assets since 30 December 2024.
• Sanctions screeningSanctions screening is the control that compares customers, related parties and payment data against sanctions lists, such as the EU consolidated list and UN lists, to stop dealings with designated persons or prohibited activities. It runs at onboarding, on list updates and in real time on payments.
• AMLR (Anti-Money Laundering Regulation)The Anti-Money Laundering Regulation, Regulation (EU) 2024/1624, is the EU single rulebook on preventing money laundering and terrorist financing. It sets directly applicable rules on obliged entities, customer due diligence, beneficial ownership, reporting and a 10,000 euro cash payment limit, and applies from 10 July 2027.

Sources

• Regulation (EU) 2023/1113 on information accompanying transfers of funds and certain crypto-assets, EUR-Lex (external site) accessed 31 Oct 2026
• The FATF Recommendations, Financial Action Task Force (external site) accessed 31 Oct 2026

Updated 31 Oct 2026.