non-cash payment instrument
as defined in Directive (EU) 2019/713 of the European Parliament and of the Council of 17…, Article 2, point (a) (Definitions)
a non-corporeal or corporeal protected device, object or record, or a combination thereof, other than legal tender, and which, alone or in conjunction with a procedure or a set of procedures, enables the holder or user to transfer money or monetary value, including through digital means of exchange;