What EU Transfer of Funds Regulation 2023/1113 (TFR2) - Travel Rule & Crypto-Asset Transfers requires
Regulation 2023/1113 (TFR2, in force 30 December 2024) extends the EU Travel Rule to crypto-asset transfers, requiring payment service providers (PSPs) and crypto-asset service providers (CASPs) to transmit originator and beneficiary information with every transfer of funds or crypto-assets. TFR2 replaces the 2015 Wire Transfer Regulation (Reg 847/2015). For crypto-assets, full name, account address/DLT address, and national identification number must accompany every transfer regardless of value. A de minimis threshold of €1,000 applies for fund transfers between EEA PSPs only. PSPs and CASPs must screen for and reject transfers from unhosted wallets that cannot be identified.
Pillar: Banking & Global Finance · Authority: European Banking Authority (EBA); European Securities and Markets Authority (ESMA); national financial intelligence units (FIUs); national competent authorities · Version: 1.0.1 · Last updated:
Primary source: https://eur-lex.europa.eu/legal-content/EN/TXT/?uri=CELEX%3A32023R1113
SHA-256 integrity: 81bf6a196d89e2cde45c041f1c0e64e83c315939c97559fae47318d9ea1ad781
Primary Citations — 5 traced to source
- Art 5 (€1,000 de minimis for EEA fiat transfers); Art 14-17 (crypto-asset Travel Rule - no de minimis, DLT address required); Art 17 (unhosted wallet EDD - risk assessment, proof of control); Art 21 (record retention 5 years); Art 22 (sanctions screening and blocking obligation) — Regulation 2023/1113 - Transfer of Funds and Crypto-Assets Travel Rule (TFR2)
- Recommendation 16 (Travel Rule - originator/beneficiary information); Section VI (unhosted wallets - risk-based approach); FATF 12-Month Review on VASP implementation; sunrise problem for cross-border VASP transfers — FATF Guidance on Virtual Assets and Virtual Asset Service Providers - Updated 2021
+ 3 more citations (full bibliography, deterministic workflow, actionable schema and crosswalks) included in the vault unlock — $0.01 via Skyfire / L402 / Direct Base USDC.
Access
- Discovery (free): /api/v1/nodes/eu-wire-transfer-regulation-2023-1113.json — 6-field metadata
- Vault (full node): /api/v1/vault/nodes/eu-wire-transfer-regulation-2023-1113.json — full 13-key payload, $0.01 USDC (L402/Skyfire/Direct Base)
- Canonical URL: https://bidda.com/intelligence/eu-wire-transfer-regulation-2023-1113
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