Recorded live at Baltic Fintech Days in Riga, this conversation gets straight into the legal reality of AI in payments and why the industry still has a long way to go before autonomous transactions become mainstream.
Sofia, Legal Counsel at xpate, joins the Fintech Daydreaming podcast to break down what compliance actually looks like from the inside of an acquiring and payments company. She covers the EU AI Act coming into force in August and why high-risk AI systems in fintech are already on regulators’ radar, how AML remains one of the most critical and complex functions for any financial institution, and why fully autonomous payment execution is still blocked by both regulatory gaps and technical limitations.
The conversation also tackles agentic payments head on. If an AI agent buys 12 chickens instead of 12 eggs, who carries the liability? Sofia’s answer will surprise you and it has serious implications for every acquiring business watching this space.
This is one of the most grounded takes on AI compliance in payments you will hear this year.