AI Act Compliance
AI Act Compliance for
Crypto, FinTech & Web3
The EU AI Act is in force since August 2024. For crypto and fintech businesses, it directly affects how AI is used in AML/KYC, transaction monitoring, fraud detection, risk scoring, and sanctions screening. We provide AI Act readiness and governance advisory tailored to regulated digital businesses.
Discuss your requirementsAI Act Readiness for Regulated Digital Businesses
The EU AI Act introduces a risk-based regulatory framework for artificial intelligence — with specific obligations for both providers and deployers of AI systems. For crypto and fintech businesses, the AI Act intersects directly with existing AML/CFT, MiCA, and GDPR obligations.
AI systems used in fintech and crypto compliance may fall under different AI Act categories depending on their intended purpose, impact on individuals, level of automation, and whether they are used for profiling, risk scoring, access to financial services, or regulatory compliance decisions.
Platforms and businesses operating in regulated environments cannot simply rely on vendor compliance — they must implement their own AI governance layer to remain regulator-ready.
- Crypto exchanges and CASPs using AI for KYC, AML monitoring, or fraud detection
- Fintech payment institutions deploying AI for transaction monitoring or risk scoring
- Crypto custodians and wallet providers using AI to detect suspicious activity
- Blockchain analytics providers offering AI-driven monitoring
- RegTech and compliance technology providers
- Banks, VASPs/CASPs, neobanks, and Web3 platforms deploying AI tools
EU AI Act — Key Dates
The AI Act is being phased in progressively — with different obligations applying at different stages.
AI Act Obligations — Providers and Deployers
The AI Act distinguishes between AI system providers and deployers — each with distinct but complementary obligations.
If you develop or place AI on the EU market
Responsible for ensuring the AI system itself complies with the AI Act before it can be placed on the EU market or put into service.
- CE conformity assessment and certification process
- Registration in the EU High-Risk AI Database
- Technical documentation — training data, risk management, testing
- Transparency and explainability measures built into the system
- Post-market monitoring and incident reporting obligations
- Quality management system requirements
If you use AI within your business operations
Responsible for how AI systems are applied inside your business — including governance, oversight, and documentation obligations.
- Deploy AI in line with provider instructions and safeguards
- Implement appropriate human oversight — especially where AI outputs may materially affect customers, onboarding decisions, risk scoring, or access to services
- Maintain records and logs of AI-based decisions
- Conduct risk assessments and governance checks
- Report serious incidents and risks to regulators
- Ensure customers' rights to explanation and human review
AI Act Readiness & Governance Services
We provide AI Act advisory within the broader regulatory context of crypto, fintech, and digital asset compliance — focused on readiness, governance, and practical implementation.
AI Act Gap Analysis & Use Case Mapping
Structured review of how your platform uses AI — mapping use cases, assessing risk classification, identifying compliance gaps, and producing a prioritised action roadmap.
- AI use case mapping and inventory
- Risk classification assessment under the AI Act
- Identification of provider vs. deployer obligations
- Compliance gap identification
- Prioritised action roadmap
AI Governance & Policy Framework
Practical documentation and governance frameworks required under the AI Act — tailored to crypto and fintech use cases and integrated with AML/CFT and GDPR obligations.
- AI risk management framework
- Human oversight procedures
- AI governance policies and record-keeping frameworks
- Integration with AML/CFT and GDPR documentation
- Internal AI audit and review procedures
CE Conformity Support
Support for AI system providers preparing compliance documentation for EU market deployment — coordination of legal, governance, and documentation requirements for the conformity assessment process.
- Compliance documentation preparation
- Coordination of technical input from AI/IT teams
- Support with EU High-Risk AI Database registration
- Support with conformity assessment process
- Technical documentation structure and review
Independent Compliance Opinions
Formal compliance documents that support regulatory due diligence, banking onboarding, licensing applications, and investor review.
- Regulatory Opinion Letters — AI Act readiness of specific use cases
- Compliance Due Diligence Reports for banking, fundraising, or licensing
- Integrated reviews — MiCA, GDPR, AML/CFT, and AI Act
- Readiness Statements for partners, banks, and investors
AI Vendor & RegTech Due Diligence
Assessment of AI vendors and RegTech solutions used in compliance-critical functions — evaluating AI Act obligations, governance gaps, and deployer-side requirements.
- AI vendor compliance assessment
- Provider obligation review
- Deployer governance gap identification
- Contractual and documentation requirements review
- Third-party AI risk assessment
Ongoing Monitoring & Advisory
Stay ahead of regulatory change as EU AI Act guidance, delegated acts, and enforcement practice develop.
- Monitoring of EU AI Act guidance and delegated acts
- Updates to AI governance policies
- Advisory on regulatory expectations and enforcement trends
- Integration updates with AML/CFT and GDPR frameworks
AI Act Compliance in the Context of Crypto & FinTech Regulation
AI Act compliance does not operate in isolation for regulated digital businesses. It intersects with MiCA/CASP obligations, AML/CFT frameworks, and GDPR — requiring an integrated compliance perspective.
Artlex Consult provides AI Act advisory within the broader regulatory context of crypto, fintech, and digital asset compliance — combining legal analysis with operational compliance understanding.
We do not position ourselves as a technical AI laboratory or conformity assessment body. Our strength is in regulatory analysis, governance frameworks, compliance documentation, and integrated compliance opinions — the advisory and governance layer that regulated businesses need to operate AI responsibly and remain regulator-ready.
- Crypto and fintech regulatory focus
- Integrated view — AI Act, MiCA, AML/CFT, and GDPR
- Formal, regulator-facing deliverables
- Independent compliance opinions and gap analysis
- Practical, implementation-oriented approach
For crypto and fintech businesses, AI Act compliance must be considered alongside existing regulatory obligations — not in isolation.
Discuss Your AI Act Compliance Requirements
Whether you are assessing your AI Act obligations, building a governance framework, or preparing compliance documentation for regulatory or investor purposes — we can discuss the most appropriate approach for your business.