According to @LexSokolin, Germany’s BaFin fined JPMorgan’s Frankfurt unit €45 million after it fell behind on suspicious activity reports between 2021 and 2022 (source: @LexSokolin). He notes the case shows AML infrastructure failing to match the velocity of digital payments, creating detection and reporting bottlenecks (source: @LexSokolin). For traders, AML-driven frictions on euro payment rails can affect the timing of fiat transfers used to fund or withdraw from crypto platforms in the EU, elevating settlement and liquidity timing risk to monitor (source: @LexSokolin).

According to the source, an X post on Oct 19, 2025 states that an AMA covered OwlTing’s Nasdaq listing, OwlPay’s expansion of stablecoin settlement rails, and why compliance is foundational to scaling global digital payments (source: X post dated Oct 19, 2025). The post links to the full broadcast replay for specific details traders can reference on listing information and stablecoin payments infrastructure (source: X broadcast replay link in the post).