Article 32 allows Member States to grant a derogation from the full authorisation regime for small payment institutions where the monthly average over the preceding 12 months of the total amount of payment transactions executed by the person does not exceed EUR 3 million per month + the person has not been convicted of money laundering / terrorist financing / other financial crime. Small-PI exemption does NOT confer EU-passport rights. Article 33 establishes a registration-only regime for account information service providers (AIS-only). AIS providers must hold professional indemnity insurance OR a comparable guarantee against liability under Article 90 (AIS liability for unauthorised access to a payment account). AIS-only providers must comply with Articles 5(1)(a)-(c) + (e)-(h) + (j) + (l) + (n)-(p) + (r) + Articles 14-15 + 22-25 + 28 + 29 + 30 + 31 + 95 + 96 + 98 (but not the safeguarding + initial-capital requirements).
The graph holds this control, the 0 it maps to, and the evidence behind each claim, over MCP and REST.