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Tax Identity & Regulatory Reporting Compliance for Fintechs & Neo-Banks

Onboarding-time tax identity checks and regulatory reporting built into your flows, compliance that does not slow signup.

You built a modern financial institution. Your compliance infrastructure should match. TaxDo delivers CRS 2.0, DAC8 and FATCA compliance through API-first integration, white-label self-certification and forensic due diligence, deployed in weeks, not quarters.

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Tablet point of sale with a card reader
Working on a laptop with a banking app on the phone
Revenue dashboard open on a laptop
Tablet point of sale with a card reader
Working on a laptop with a banking app on the phone
  • Neo-Banks
  • E-Money Institutions
  • Payment Providers
  • Digital Banks
  • Challenger Banks
  • Embedded Finance
Regulatory Landscape

Same Obligations as Banks Less Time to Build the Infrastructure

E-money institutions, payment service providers, and digital banks are Reporting Financial Institutions under CRS. CRS 2.0 and DAC8 have expanded the scope — and the penalties. The obligations are identical to incumbent banks. The runway to comply is not.

CRS 2.0: In the EU From Jan 2026

Common Reporting Standard 2.0

CRS 2.0 extends due diligence to specified electronic money products, digital payment products, and accounts held by e-money institutions. If your product holds customer funds above defined thresholds, you are a Reporting Financial Institution.

  • E-money products and digital payment accounts now explicitly in scope
  • Due diligence on all account holders — individual and entity
  • Annual reporting to participating jurisdictions via XML schema
  • Controlling person cascades for entity accounts
DAC8 — Enforced Jan 2026

EU Directive on Administrative Cooperation (8th Amendment)

DAC8 brings e-money institutions facilitating crypto-asset transactions under mandatory reporting. Blocking applies to crypto-asset users who do not self-certify, after two reminders and at least 60 days.

  • E-money issuers and custodial wallet providers in scope
  • Mandatory self-certification, with blocking for crypto-asset users only
  • Reporting on crypto-asset transactions to EU tax authorities
  • Reminders first, and a minimum of 60 days before any blocking
How the OS Works

Foundation. Intelligence. Result.

Two layers work together. The foundation verifies identity at the point of onboarding. Intelligence detects and resolves every discrepancy across every framework. The result: 95%+ of compliance issues resolved without human intervention.

Layer 1The Foundation

Verified Identity at Onboarding

Every account holder is verified from Day 1. TIN validation, entity classification, and tax residency determination happen inside your onboarding flow — through APIs, not portals.

  • Real-time TIN validation against authoritative registries
  • Entity classification — Active NFE, Passive NFE, Financial Institution
  • Multi-jurisdiction tax residency determination
  • Controlling person identification and cascade
130+Countries
1,000+TIN Types
Layer 2The Intelligence

Forensic Due Diligence & Curing

The intelligence layer cross-references every data point against independent signals. Discrepancies are detected, classified, and resolved automatically — from authoritative correction through targeted account holder outreach.

  • Multi-category indicia detection across all account types
  • Reasonableness testing against independent signals
  • Automated resolution — correction, prompt, document request
  • Regulatory XML generation with full audit trail
95%+Auto-Cure Rate
120+Registries
Result

95%+

Discrepancies Resolved Without Human Intervention

Foundation-layer identity data feeds directly into intelligence-layer due diligence. Because both layers share the same verified data, forensic detection and automated curing resolve the vast majority of compliance issues before they reach your team.

Global Compliance Infrastructure

130+Countries Covered
120+Official Registries
1,000+TIN Types Validated
290+AML Data Sources
95%+Auto-Cure Rate
Which Engines Apply

Two Engines One Verified Foundation

Fintechs and neo-banks activate two engines from the TaxDo OS: Global Tax Identity for verification at onboarding, and Tax Regulatory Compliance & Reporting for due diligence through filing. Both share the same identity layer — verified once, trusted everywhere.

Engine 1

Global Tax Identity

Verify account holder identity at the point of onboarding. TIN validation, business registry lookups, entity classification, and tax residency determination — integrated directly into your product through APIs.

  • Real-time TIN validation across 130+ countries
  • Business registry verification — 120+ official registries
  • AML screening across 290+ data sources
  • Entity classification for CRS and FATCA categories
Explore Tax Identity
Engine 3

Tax Regulatory Compliance & Reporting

Forensic due diligence, intelligent self-certification, indicia detection, automated curing, and regulatory XML filing — across CRS 2.0, DAC8, and FATCA. From account opening to annual filing, every step automated.

  • Conversational self-certification — white-label, mobile-first
  • Forensic indicia detection and reasonableness testing
  • Automated curing with 95%+ resolution rate
  • Schema-compliant XML filings with full audit chain
Explore Tax Regulatory Compliance
Framework Coverage

Every Framework Your License Requires

One platform, one integration, one verified identity layer. TaxDo covers the frameworks that apply to fintechs and digital banking institutions — from self-certification through regulatory XML filing.

CRS 2.0

CRS reporting under the Common Reporting Standard, 130+ committed jurisdictions; the CRS 2.0 amendments apply in the EU from January 2026

DAC8 compliance

EU crypto-asset and e-money reporting, with blocking of crypto-asset users who do not self-certify

FATCA

US Foreign Account Tax Compliance Act — active globally

CARF

Crypto-Asset Reporting Framework, in force in the EU and UK from January 2026

Key Capabilities

Built for How Fintechs Actually Operate

No on-premise servers. No legacy middleware. No six-month implementation cycles. Every capability is API-first, cloud-native, and designed for the velocity of fintech product development.

API-First Integration

RESTful APIs with comprehensive documentation. Self-certification, identity verification, due diligence, and reporting — all accessible through standard endpoints. Embed compliance directly into your onboarding, KYC, and account management flows.

White-Label Self-Certification

Your account holders see your brand throughout the entire compliance experience. Conversational Q&A, real-time validation, pre-populated forms, and digital signature — all delivered under your identity. TaxDo is invisible.

Cloud-Native Deployment

SaaS from Day 1. No infrastructure provisioning, no on-premise installation, no capacity planning. Scales with your account holder base automatically. Move from contract to live compliance in weeks.

Identity Verification at Onboarding

Tax ID verification at onboarding takes place when the account is created, not retroactively. TIN validation, entity classification, and residency determination run as part of your existing onboarding, so every new account enters compliant from Day 1.

Forensic Due Diligence

Multi-category indicia detection cross-references self-declared data against independent signals from authoritative sources, registries, and institutional records. Discrepancies surface automatically. Curing resolves them without manual intervention.

Automated Regulatory Reporting

Schema-compliant XML filings for CRS 2.0, DAC8, CARF, and FATCA. Per-jurisdiction formatting, XSD validation, submission tracking, and a complete evidence chain from self-certification through regulatory filing. Every report audit-ready from generation.

EU Data Residency & GDPR

Fintech account holder data stays within the EU. TaxDo’s cloud infrastructure supports data residency requirements across EU member states, with full GDPR compliance built into every data flow — consent management, data subject access requests, retention policies, and right to erasure. Compliance data never leaves the jurisdictions you specify.

Fintech Tax FAQ

Questions from Compliance Teams

We will respond to you at any time.
Just use our help center or contact us.

Yes. Any entity that qualifies as a Reporting Financial Institution under CRS — including e-money institutions, payment service providers, and digital banks — has the same due diligence and reporting obligations as traditional banks. CRS 2.0 expands the scope to include specified electronic money products and digital payment products above defined thresholds.

DAC8 extends tax transparency obligations to crypto-asset service providers and e-money institutions operating in the EU. Fintechs that issue or manage electronic money, facilitate crypto transactions, or provide custodial services must perform due diligence on account holders and report to EU tax authorities. On the CRS side, institutions collect and validate the self-certification, and apply the pre-existing account procedures where a new account has none in time. Blocking applies to crypto-asset users, after two reminders and at least 60 days.

TaxDo is built API-first. The self-certification interview, identity verification, and due diligence engine integrate directly into your existing onboarding flow through RESTful APIs — no redirect, no iframe, no separate compliance portal. Account holders complete their tax obligations as a native step in your product experience.

Yes. TaxDo’s Conversational Compliance is fully white-label. Your account holders see your brand, your colors, and your product language throughout the self-certification interview. The compliance infrastructure is invisible — the experience is yours.

TaxDo is cloud-native SaaS. There is no on-premise installation, no infrastructure provisioning, and no multi-month implementation project. API integration is standard REST with comprehensive documentation. Fintechs typically move from contract to live compliance in weeks, not quarters.

TaxDo’s Forensic Intelligence Engine detects discrepancies between self-declared information and independent signals from authoritative sources, registries, and institutional data. When a discrepancy is found, the engine resolves it automatically through targeted prompts, document requests, or authoritative source correction — achieving a 95%+ resolution rate without manual intervention.

Yes. TaxDo classifies and validates both individual and entity account holders, including controlling person cascades for entities. The due diligence engine handles all CRS entity classifications — Active NFE, Passive NFE, Investment Entity, Financial Institution — and traces through to beneficial owners where required.

TaxDo generates schema-compliant XML filings for CRS 2.0, DAC8, and FATCA with per-jurisdiction formatting, XSD validation, submission tracking, and a complete evidence chain linking each filing back to the underlying due diligence and audit trail.

Connected to the OS

One Platform Every Engine Available

Fintechs & Neo-Banks is one industry served by the TaxDo OS. Every engine works independently, and every engine connects through the shared identity layer.

Engine 1

Global Tax Identity

TIN validation, business registry verification, AML screening, and identity intelligence across 130+ countries. The verified foundation for every compliance obligation.

Engine 2

Global Indirect Tax

VAT, GST, and US Sales Tax calculation, filing, and remittance across 150+ jurisdictions.

Engine 3

Regulatory Compliance

Forensic due diligence, self-certification, curing, and regulatory XML filing across CRS 2.0, DAC8, CARF, DAC7, and FATCA.

Your License Requires Compliance Your Product Demands Speed

CRS 2.0 applies in the EU and DAC8 is enforced. Self-certification is mandatory, and blocking of crypto-asset users is live. TaxDo gives fintechs the same compliance depth as a Tier 1 bank — deployed at fintech speed, through APIs, under your brand.