Source: OJ L 150, 9.6.2023, pp. 1–39

Article 22 Évaluation et déclaration

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.

Le prestataire de services sur crypto-actifs intermédiaire prend en compte les informations manquantes sur l’initiateur ou le bénéficiaire de crypto-actifs comme un facteur pour apprécier si un transfert de crypto-actifs, ou toute transaction qui s’y rattache, présente un caractère suspect et doit être déclaré à la CRF conformément à la directive (UE) 2015/849.

Table of contents

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Relevant recitals