Agent · psd2-2015-2366-8

PSD2 artikel 8: Own funds

Structural tree: the article's own paragraphs, verbatim.

CELEX 32015L2366 · 2026-08-18 · Weight 67 · minimal-risk

OpenOpen reading. No metering is planned for this class.

What this page is: Agent, PSD2 artikel 8
Checked against the official source: 2026-08-18Current
Responsible publisher: ExploreWorld Legal, editorial deskLiability position

Short answer

What does PSD2 Article 8 require, and what outcome does the rule tree give?

PSD2 Article 8 is tested here by a deterministic rule tree of 3 rules, built from the article's own conditions. The tree reads your facts and names the outcome that applies, starting with Paragraph 1 applies, carrying paragraph citation, content hash and read date 2026-08-18 against CELEX 32015L2366. The outcome is a machine classification, not a compliance decision.

PSD2 Article 8Checked against the publisher 2026-08-18Official text

Paragraph 1 applies. 1. The payment institution’s own funds, shall not fall below the amount of initial capital as referred to in Article 7 or the amount of own funds as calculated in accordance with Article 9 of this Directive, whichever is the higher.
Paragraph 2 applies. 2. Member States shall take the necessary measures to prevent the multiple use of elements eligible for own funds where the payment institution belongs to the same group as another payment institution, credit institution, investment firm, asset management company or insurance undertaking. This paragraph shall also apply where a payment institution has a hybrid character and carries out activities other than providing…
Paragraph 3 applies. 3. If the conditions laid down in Article 7 of Regulation (EU) No 575/2013 are met, Member States or their competent authorities may choose not to apply Article 9 of this Directive to payment institutions which are included in the consolidated supervision of the parent credit institution pursuant to Directive 2013/36/EU.

A source reference, not legal advice.

Jurisdiction

The same agent, read through one country's lens.

Inputs

in_scopeThe article applies to the situationboolean
punktParagraph of the articleenum (1 | 2 | 3)

Rule tree

If: alla(in_scope = true, punkt = 1)
Paragraph 1 applies
1. The payment institution’s own funds, shall not fall below the amount of initial capital as referred to in Article 7 or the amount of own funds as calculated in accordance with Article 9 of this Directive, whichever is the higher.
Paragraph 1
If: alla(in_scope = true, punkt = 2)
Paragraph 2 applies
2. Member States shall take the necessary measures to prevent the multiple use of elements eligible for own funds where the payment institution belongs to the same group as another payment institution, credit institution, investment firm, asset management company or insurance undertaking. This paragraph shall also apply where a payment institution has a hybrid character and carries out activities other than providing…
Paragraph 2
If: alla(in_scope = true, punkt = 3)
Paragraph 3 applies
3. If the conditions laid down in Article 7 of Regulation (EU) No 575/2013 are met, Member States or their competent authorities may choose not to apply Article 9 of this Directive to payment institutions which are included in the consolidated supervision of the parent credit institution pursuant to Directive 2013/36/EU.
Paragraph 3

If no rule matches: The article is not stated to apply, or no paragraph is selected. The agent abstains rather than guesses.

The article text as read

11. The payment institution’s own funds, shall not fall below the amount of initial capital as referred to in Article 7 or the amount of own funds as calculated in accordance with Article 9 of this Directive, whichever is the higher.
22. Member States shall take the necessary measures to prevent the multiple use of elements eligible for own funds where the payment institution belongs to the same group as another payment institution, credit institution, investment firm, asset management company or insurance undertaking. This paragraph shall also apply where a payment institution has a hybrid character and carries out activities other than providing payment services.
33. If the conditions laid down in Article 7 of Regulation (EU) No 575/2013 are met, Member States or their competent authorities may choose not to apply Article 9 of this Directive to payment institutions which are included in the consolidated supervision of the parent credit institution pursuant to Directive 2013/36/EU.

Lineage

treatyTFEU art. 288 (direktiv)

act32015L2366

chapter—

article8

paragraphs3

jurisdictionEuropean Union (EU)

supervisorFinansinspektionen — Sweden

national—

Interface

callhttps://legal.exploreworldai.com/api/public/v1/agents/psd2-2015-2366-8/run

methodGET

outputmatched, outcome, trace, missing, hash

Quota60 anrop per minut och adress, utan nyckel

stabilityRegelträdet versioneras. En ändring byter artefakthash, aldrig adress.

Hashes

textsha256:f8d85bf9f1318fc6f8caaf9f9e62d7e7f31524a8adafd95be3297df9117a66d8

scriptsha256:143fe283bb95c36c9f27430f17c0826f13e9fab9c1db02996310261fc304ef99

enginesha256:0a4bd50d21f8ec9be383fc091511008b76ad61909cbfb674eab56fe567fbd7a0

agentsha256:8bd556fc9677382abf9ed9dc03baac55f7e10cc58261d301730806084e62d731

versionagent-engine-1+legal-2026-08-25 / 8bd556fc9677382a

Artefacts

No legal advice. Deterministisk regeluppslagning. Ingen juridisk rådgivning, inget efterlevnadsbeslut, ingen bedömning av ett enskilt ärende.

Citation: 32015L2366 art. 8, Own funds. ExploreWorld Legal, https://legal.exploreworldai.com/agent/psd2-2015-2366/artikel-8 (hämtad 2026-08-18, bevis sha256:6091b07d0c7fea44, bygge legal-2026-08-25).