# Guides

Practical guides for compliance teams at payment and e-money institutions: what EU law requires, and the evidence that answers it.

- [AMLR 2027 readiness for payment service providers](https://proofvolt.eu/guides/amlr-2027-readiness-payment-service-providers/): From 10 July 2027 the AMLR applies directly to payment and e-money institutions. What changes, the key dates, and a practical readiness checklist.
- [What an auditor asks about AI in compliance (EU AI Act + AML)](https://proofvolt.eu/guides/auditor-questions-ai-in-compliance/): The questions auditors and supervisors ask about AI in AML and KYB, the EU rules behind them (AMLR, GDPR, AI Act) and the evidence that answers them.
- [Beneficial-ownership verification in the EU: registers, discrepancies and evidence](https://proofvolt.eu/guides/beneficial-ownership-verification-eu/): How to identify and verify beneficial owners under EU AML law: the 25 % and control tests, central registers, 14-day discrepancy reports and evidence.
- [KYB for merchant onboarding: what a PSP must verify](https://proofvolt.eu/guides/kyb-merchant-onboarding-psp/): What a payment service provider must verify before onboarding a merchant under EU AML law: the entity, its people, owners, sanctions and business.

Canonical: https://proofvolt.eu/guides/