The Markets in Crypto-Assets Regulation establishes harmonised EU requirements for many cryptoasset issuers and service providers. It does not cover every token, service or financial instrument, and some matters remain subject to other EU legislation or national authorities.
Most MiCA rules for cryptoasset service providers applied from December 30, 2024. Transitional arrangements that allowed certain firms already operating under national law to continue have now expired, with the July 1, 2026 deadline having passed. Firms that did not obtain MiCA authorisation before that date should no longer be operating under transitional provisions. Readers should check the current ESMA register and the relevant national competent authority to confirm whether a firm holds a valid MiCA authorisation.
Most MiCA rules for cryptoasset service providers applied from December 30, 2024. Transitional arrangements allowed certain firms already operating under national law to continue until July 1, 2026, or until authorisation was granted or refused, whichever occurred first. Readers should now check the current ESMA register and the relevant national authority.
ESMA — Markets in Crypto-Assets Regulation
Visithttps://www.esma.europa.eu/publications-and-data/interactive-single-rulebook/mica
ESMA — Databases and Registers
Visithttps://www.esma.europa.eu/publications-and-data/databases-and-registers
European Commission — Cryptoassets
Visithttps://finance.ec.europa.eu/digital-finance/crypto-assets_en
European Banking Authority — Asset-Referenced and E-Money Tokens
Visithttps://www.eba.europa.eu/regulation-and-policy/asset-referenced-and-e-money-tokens-mica
EUR-Lex — Regulation (EU) 2023/1114
Visithttps://eur-lex.europa.eu/eli/reg/2023/1114/oj
European Consumer Centres Network
Visithttps://www.eccnet.eu/
National authorities still matter
Use the ESMA record to identify the home Member State and responsible national competent authority. Verify the firm through that authority's official register and compare the legal name, website and authorised services. Report suspected crime through the relevant national police or cybercrime channel.
A safer verification routine
- 1.Start from the regulator or government website—not a link supplied by the person or company being checked.
- 2.Search the exact legal name as well as any trading name. Compare the website, telephone number, address and registration number.
- 3.Confirm that the listed permissions cover the service actually being offered. Registration for one activity does not automatically cover another.
- 4.Check warning lists, disciplinary records and recent alerts. A clean result is useful information, but it is not proof that an offer is safe.
- 5.Keep screenshots, URLs, transaction hashes, emails and messages if you may need to make a report.
Registration is not an endorsement
Appearing in a register may confirm a legal filing, licence, authorisation or anti-money-laundering registration. It does not mean that European Union authorities guarantee the product, approve its marketing claims, protect against market losses or promise that funds can be recovered.
External-link notice
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Last reviewed: July 25, 2026. This page does not provide legal, tax, accounting, financial or investment advice and does not determine whether any product or service is appropriate for a particular person.
Educational purposes only. Not financial advice. All materials are provided for general educational purposes. They do not constitute financial, legal, tax, accounting or investment advice. Fichtner Digital does not provide regulated financial services.