KEY REQUIREMENTS FOR OBTAINING A MICA LICENSE IN THE EU

Key Requirements for Obtaining a MiCA License in the EU

Key Requirements for Obtaining a MiCA License in the EU

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Getting a MiCA license in the European Union isn’t just about filling out forms—it's about meeting a set of strict legal and operational requirements. If you're a copyright-asset service provider (CASP) or token issuer, you must comply with several essential standards to become MiCA-compliant in 2025.


This article breaks down the key requirements you must meet before you even apply.




 1. Legal Entity in the EU


To apply for a MiCA license, you must be registered as a legal entity in an EU member state. This can be a new incorporation or a branch of an existing company.



 2. Capital Requirements


MiCA introduces minimum capital thresholds based on your business model:






























Service Type Minimum Capital
copyright Custody €125,000
Exchange Platforms €150,000
Token Issuers €350,000
Advisory Services €50,000




This ensures financial stability and the ability to cover liabilities.



3. AML & KYC Compliance


You must establish and document strict Anti-Money Laundering (AML) and Know Your Customer (KYC) procedures, including:





  • Identity verification processes




  • Transaction monitoring systems




  • Suspicious activity reporting protocols




These policies must meet both EU-wide and national regulations.



 4. Cybersecurity & Data Protection


Your business must implement strong cybersecurity controls to safeguard user assets and data. You’ll need:





  • Secure wallet infrastructure




  • Risk management frameworks




  • Data encryption




  • GDPR-compliant data practices




 5. Whitepaper Submission (Token Issuers Only)


If you plan to issue a copyright asset, especially asset-referenced tokens (ARTs) or e-money tokens (EMTs), you must submit a MiCA-compliant whitepaper that outlines:





  • Technical details of the token




  • Business use case




  • Risk disclosures




  • Issuer's obligations




This whitepaper must be approved before your token can be marketed in the EU.



6. Competent Management


MiCA requires your leadership team to have fit and proper management. That means:





  • No criminal records




  • Relevant financial or technical experience




  • Documented decision-making structures




7. Business Continuity & Risk Management


Your application must include a Business Continuity Plan (BCP) and a Risk Management Framework, covering:





  • Disaster recovery plans




  • Incident response strategies




  • Ongoing risk assessments




Pro Tip: Preparation Is Half the Battle


Many companies get delayed due to incomplete documents or weak internal policies. Working with compliance consultants or legal advisors can streamline the process and improve approval chances.



MiCA Requirements Summary Table









































Requirement Mandatory?
EU Legal Entity ✅
Minimum Capital ✅
AML/KYC Policy ✅
Cybersecurity Plan ✅
Whitepaper (if issuing token) ✅
Management Vetting ✅
Risk Management & BCP ✅





 Final Thought


Meeting MiCA license requirements takes time, effort, and a solid understanding of both tech and law. But the payoff is massive: full access to the EU market and long-term business stability.


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