Romania doesn’t have a specific legislative package tailored for fintech businesses. However, a bill regarding Distributed Ledger Technology (DLT) was finalized and is expected to be enforced within the year. Fintech activities might fall under strict regulations for activities such as insurance, loans, financial transactions, and payment gateways, requiring approval from relevant authorities while adhering to AML and KYC standards. The EU’s “Digital Package,” including the Digital Services Act, Digital Markets Act, and the MiCA Proposal, impacts Romanian fintech, emphasizing activity-based rather than technology-based regulation.