The UK's Financial Conduct Authority (FCA) is set to establish a new 'gateway' authorization regime for crypto activities by 2026, expanding beyond basic Anti-Money Laundering (AML) checks to include a wider range of services like stablecoin issuance, payment services, and lending. This shift indicates a significant regulatory evolution that could affect not just UK-based operations but also influence global standards. Builders developing decentralized applications (dApps) could find themselves subject to UK regulations if their services target users in the UK, even without a local entity. Developers should proactively integrate regulatory considerations into their designs, including geofencing, KYC measures, and enabling compliance toggles to stay competitive. The emerging regulatory landscape presents both challenges and opportunities for innovation, highlighting a need for builders to remain vigilant and adaptable as global frameworks evolve. By keeping abreast of regulatory developments, teams can position themselves favorably ahead of these changes, avoiding last-minute compliance measures once the rules are fully established.

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