Source: OJ L 150, 9.6.2023, pp. 1–39

Artikel 22 Bewertung und Verdachtsmeldung

Summary What does Article 22 of the Transfer of funds regulation (TFR) say?

This brief article places a specific obligation on intermediary crypto-asset service providers when handling transfers of crypto-assets.

It mirrors a parallel obligation placed on the beneficiary's crypto-asset service provider in Article 18, but applies it to intermediaries in the chain.

The core message is straightforward: if an intermediary crypto-asset service provider finds that information on the originator or beneficiary is missing, that absence must be treated as a relevant factor in its suspicion assessment, potentially triggering a report to the Financial Intelligence Unit under Directive (EU) 2015/849.

Important points:

Intermediary crypto-asset service providers must use missing originator or beneficiary information as a factor when assessing whether a transfer or related transaction is suspicious.
This suspicion assessment is directly linked to the reporting obligation to the FIU under Directive (EU) 2015/849.
The obligation applies to the transfer itself and to any related transaction, widening the scope of what must be considered.

Springlex's summary of the article, a reading aid, not a substitute for the legal text.

Bei der Bewertung, ob ein Kryptowertetransfer oder eine damit verbundene Transaktion verdächtig ist und der zentralen Meldestelle gemäß der Richtlinie (EU) 2015/849 zu melden ist, berücksichtigt der zwischengeschaltete Anbieter von Kryptowertetransfers als einen Faktor, ob Angaben zum Originator oder zum Begünstigten fehlen.

Table of contents

Springlex and this text is meant purely as a documentation tool and has no legal effect. No liability is assumed for its content. The authentic version of this act is the one published in the Official Journal of the European Union.

Relevant recitals