PSD2 Article 10 requires payment institutions to safeguard the funds received from PSUs (or via another PSP) for the execution of payment transactions. Two safeguarding methods are available: (a) Article 10(1)(a) segregation - funds must not be commingled with any other natural / legal person other than the PSUs on whose behalf the funds are held; if still held by the PI at the end of the next business day they must be deposited in a separate account in a credit institution OR invested in low-risk Article 4(7) UCITS-eligible secure liquid low-risk assets defined by the competent authority; in the event of insolvency the segregated funds must be insolvency-remote from PI creditors; or (b) Article 10(1)(b) insurance - funds covered by an insurance policy / comparable guarantee from an insurance company / credit institution that does not belong to the same group, for an amount equivalent to the segregation. Article 10(2) permits Member States to allow PIs not to apply Article 10 to funds below EUR 600 per PSU. Account information services (AIS-only) are exempt from Article 10 as they do not handle funds.
The graph holds this control, the 0 it maps to, and the evidence behind each claim, over MCP and REST.