The Law of Digital Payments
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Description
Equips legal professionals and stakeholders with a clear, authoritative, and practical guide to the UK legal treatment of digital payments and tokenised assets.
The Law of Digital Payments explores the evolving landscape of UK financial law as it adapts to innovations in digital finance. With fintech disrupting traditional models of value exchange, legal professionals must navigate complex regulatory challenges concerning digital wallets, open banking APIs, smart contracts, decentralised finance (DeFi), and the treatment of tokenised assets under common law.
This work delves into how UK courts and regulators are addressing these innovations. It provides clarity on the current legal treatment of payment tokens, security tokens, cryptoassets and non-fungible tokens (NFTs). It also investigates the impact of the Financial Services and Markets Act 2023, the Bank of England's stance on central bank digital currencies (CBDCs), and how the Payment Services Regulations and E-Money Regulations are applied to innovative business models.
Drawing upon regulatory guidance, case law, and international developments, the book is designed to help practitioners, regulators, academics, and financial institutions understand and navigate the complex intersection of law and digital finance.
This title is included in Bloomsbury Professional's Banking and Finance Law online service.
Accessibility Information
Additional accessibility information
- PDF/UA-2, 1.4
- [email protected]
Hazards
The publication contains no hazards
Support for non-visual reading
Has alternative text descriptions for images
Navigation
- Page list to go to pages from the print source version
- Elements such as headings, tables, etc for structured navigation
- All or substantially all textual matter is arranged in a single logical reading order
Table of Contents
1. Introduction: Law Meets Innovation
2. Definitions of Payment
3. Legal Tender in United Kingdom
4. Distinction Between Digital and Fiat
5. Tokenised Value Exchange
6. Overview of the UK Legal and Regulatory Framework
Part II – Digital Payment Infrastructure
7. Bank and Funds Transfers
8. Electronic Payment Instruments
9. Recovery of Payments
10. Open Banking and API Ecosystems
11. Plastic and Card-Based Payments
12. Internet and Mobile Payments
13. Mobile Wallets and Peer-to-Peer Systems
14. Digital Cash and the Emergence of Tokenised Payments
Part III – Digital Assets and Tokenization
15. Token Classifications
16. Stablecoins and Central Bank Digital Currencies (CBDCs)
17. Smart Contracts and Tokenised Real-World Assets (RWAs)
18. Non-Fungible Tokens (NFTs) and Real-World Applications
Part IV – Regulatory Compliance and Legal Risk
19. AML, KYC, and Consumer Protection Frameworks
20. Custody, Ownership, and Insolvency
21. Taxation
22. Litigation and Dispute Resolution
Part V – Emerging Horizons
23. Cross-Border Regulation and Regulatory Arbitrage
24. European Union –Regulatory Landscape
25. United States –Regulatory Landscape
26. Artificial Intelligence, Machine Learning and Autonomous Payments
27. The Road Ahead: Reform, Ethics, and Global Convergence
Product details
| Published | 18 Mar 2027 |
|---|---|
| Format | Ebook (PDF) |
| Edition | 1st |
| Pages | 304 |
| ISBN | 9781526535726 |
| Imprint | Bloomsbury Professional |
| Publisher | Bloomsbury Publishing |
