EU · Jurisdiction
European Union / EEA
- verified items
- 8
- tracked initiatives
- 25
- banks with licence / notification
- 13
- upcoming dated deadlines
- 2
What banks are doing (observed)
Observed in verified tracker records — what banks in this market have verifiably been authorised for or launched. Not legal advice; open each source for scope.
Custody & trading
Deutsche Bank, BNY, Piraeus Bank, Swissquote Bank Europe, CaixaBank, DZ BANK, Bank Frick, LGT Bank, Openbank, BBVA, Trade Republic Bank, Commerzbank
Tokenized deposits
Citi, HSBC
Crypto services
Danske Bank, Openbank, N26
Stablecoin issuance
Societe Generale-FORGE
Key rules & official statements
Verbatim from regulator, central bank and standard-setter sources (Tier 1). Quotes are string-matched against the live page before every deploy.
Regimes tracked: MiCA · DORA
- T1RegulatorEURiksbank asks Riksdag to start preparing digital krona legislation, citing digital euro and stablecoins
“Given such long lead times, the Riksbank believes it is justified to begin preparing the necessary legislative framework now, even if Sweden ultimately decides not to launch a digital krona, or to further postpone a launch.”
Sveriges Riksbank (opens source in new tab) · Official communication to parliament
- T1RegulatorEUEBA classifies USDC as the first significant e-money token in the EU
“There are currently 45 EMTs in the European Union, which have been notified under MiCA, and USDC is the first one to be classified as being significant.”
European Banking Authority (opens source in new tab) · Supervisory decision
- T1RegulatorEUPiero Cipollone: Money in the digital age — digital euro, tokenisation and the role of central banks
“If tokenised finance develops on closed, incompatible platforms without a safe settlement asset, fragmentation could increase and the singleness of money could be weakened.”
- T1RegulatorEUEBA identifies priorities for the review of MiCA
“The EBA recommends regulating crypto-asset lending, including activities linked to decentralised finance (DeFi).”
European Banking Authority (opens source in new tab) · Consultation response
- T1RegulatorEUEurosystem launches Pontes to settle tokenised wholesale transactions in central bank money
“The Eurosystem today launched Pontes, a solution that enables wholesale transactions in tokenised assets to be settled in central bank money.”
- T1RegulatorEUCzech National Bank grants MiCA crypto-asset service licences to 11 entities
“After this date, only legal entities authorised by the competent supervisory authority of an EU Member State will be allowed to provide crypto-asset services throughout the European Union.”
Czech National Bank (opens source in new tab) · Licence / authorisation
- T1RegulatorEUSweden's MiCA transition period has ended: only authorised crypto firms may now serve Swedish customers
“Den sista juni löpte tidsfristen ut för övergångsperioden av EU:s kryptoregelverk Mica.”
Finansinspektionen (Sweden) (opens source in new tab) · Supervisory decision
Deadlines & key dates
Dates are quoted from the official text; undated rules are shown as stated. All deadlines
17 Jan 2025 · passed
DORA (Regulation (EU) 2022/2554) applies
DORA · Regime in force · EUR-Lex, Official Journal L 333 (opens source in new tab)
30 Sept 2025 · passed
Firms operating before 30 Dec 2024 had to apply to Finansinspektionen for MiCA authorisation by this date to keep operating during the transition
MiCA (Swedish transitional period) · Application deadline · Finansinspektionen (opens source in new tab)
30 Jun 2026 · passed
MiCA transitional period for crypto-asset service providers in Sweden expired
MiCA (Swedish transitional period) · Transition period ends · Finansinspektionen (opens source in new tab)
1 Jul 2026 · passed
MiCA CASP transitional (grandfathering) period ends EU-wide
MiCA · Transition ends · ESMA (MiCA Interactive Single Rulebook) (opens source in new tab)
12 Nov 2026
USDC becomes subject to MiCA dual supervision as a significant EMT
MiCA · Supervision starts · European Banking Authority (opens source in new tab)
31 Dec 2027
Trading platforms must ensure white papers exist for crypto-assets admitted before 30 Dec 2024 (Art. 143(2)(b))
MiCA · Compliance deadline · ESMA (MiCA Interactive Single Rulebook) (opens source in new tab)
Licensed / notified banks
Banks whose initiative carries a regulator record (authorisation) or a MiCA Art. 60 notification in our tracker.
- Deutsche BankNotified (MiCA Art. 60)MiCA Article 60 notification: custody & administration, transfer services · ESMA
- Piraeus BankNotified (MiCA Art. 60)MiCA Article 60 notification: custody & administration, order execution, reception & transmission of orders, transfer services · ESMA
- Swissquote Bank EuropeApproved / authorisedMiCA CASP authorisation (custody, execution, transfer) · CSSF (Luxembourg), ESMA
- CaixaBankNotified (MiCA Art. 60)MiCA Article 60 notification: custody & administration, order execution, reception & transmission of orders, transfer services · ESMA
- DZ BANKNotified (MiCA Art. 60)MiCA Article 60 notification: custody & administration, order execution, transfer services · ESMA
- Bank FrickNotified (MiCA Art. 60)MiCA Article 60 notification: custody & administration, order execution, transfer services · ESMA
- LGT BankNotified (MiCA Art. 60)MiCA Article 60 notification: custody & administration, order execution, reception & transmission of orders, transfer services · ESMA
- Societe Generale-FORGEApproved / authorisedEUR CoinVertible (EURCV) euro stablecoin · ACPR (France), ESMA
- Societe Generale-FORGEApproved / authorisedUSD CoinVertible (USDCV) dollar stablecoin, BNY as reserve custodian · ACPR (France), ESMA
- OpenbankNotified (MiCA Art. 60)MiCA Article 60 notification: custody & administration, order execution · ESMA
- BBVANotified (MiCA Art. 60)Bitcoin and ether trading and custody in the BBVA app (Spain) · CNMV (Spain), ESMA
- N26Notified (MiCA Art. 60)MiCA Article 60 notification: reception & transmission of orders · ESMA
- Trade Republic BankNotified (MiCA Art. 60)MiCA Article 60 notification: custody & administration, order execution, reception & transmission of orders, transfer services · ESMA
- CommerzbankNotified (MiCA Art. 60)MiCA Article 60 notification: custody & administration, transfer services · ESMA
Tracked bank initiatives
MiCA Article 60 notification: custody & administration, transfer services
Notified (MiCA Art. 60)UnknownUnknown
BNY Digital Asset Custody (US; EU under MiCA)
UnknownLive — restricted / specific counterpartiesLive — restricted / specific counterparties
Citi Token Services for Cash
UnknownLive — commercial, within explicit scopeLive — commercial, within explicit scope
Raiffeisen Bank International (RBI)
Group-wide digital asset services with Bitpanda Enterprise (CEE)
UnknownUnknownDeveloping / partnership established
HSBC Tokenised Deposit Service (TDS)
UnknownLive — commercial, within explicit scopeLive — commercial, within explicit scope
MiCA Article 60 notification: custody & administration, order execution, reception & transmission of orders, transfer services
Notified (MiCA Art. 60)UnknownUnknown
ING, UniCredit, BNP Paribas, KBC, Danske Bank, DekaBank, SEB, Raiffeisen Bank International (RBI), Banca Sella, BBVA, CaixaBank, DZ BANK, Erste Group, Intesa Sanpaolo, Nordea, Piraeus Bank
Qivalis: bank-consortium MiCA euro stablecoin
UnknownDeveloping / partnership establishedAnnounced / exploring
MiCA CASP authorisation (custody, execution, transfer)
Approved / authorisedUnknownUnknown
MiCA Article 60 notification: custody & administration, order execution, reception & transmission of orders, transfer services
Notified (MiCA Art. 60)UnknownUnknown
Bitcoin and ether ETPs for customers in Sweden
UnknownUnknownLive — commercial, within explicit scope
Bitcoin and ether trading on Bolero (MiCA CASP notification)
UnknownUnknownAnnounced / exploring
MiCA Article 60 notification: custody & administration, order execution, transfer services
Notified (MiCA Art. 60)UnknownUnknown
MiCA Article 60 notification: custody & administration, order execution, transfer services
Notified (MiCA Art. 60)UnknownUnknown
MiCA Article 60 notification: custody & administration, order execution, reception & transmission of orders, transfer services
Notified (MiCA Art. 60)UnknownUnknown
Openbank retail crypto trading (Germany, Spain)
UnknownLive — commercial, within explicit scopeLive — commercial, within explicit scope
Execution-only access to a bitcoin ETP (CoinShares)
UnknownUnknownAnnounced / exploring
EUR CoinVertible (EURCV) euro stablecoin
Approved / authorisedLive — commercial, within explicit scopeLive — commercial, within explicit scope
USD CoinVertible (USDCV) dollar stablecoin, BNY as reserve custodian
Approved / authorisedLive — commercial, within explicit scopeLive — restricted / specific counterparties
MiCA Article 60 notification: custody & administration, order execution
Notified (MiCA Art. 60)UnknownUnknown
Bitcoin and ether trading and custody in the BBVA app (Spain)
Notified (MiCA Art. 60)Live — commercial, within explicit scopeLive — commercial, within explicit scope
MiCA Article 60 notification: reception & transmission of orders
Notified (MiCA Art. 60)UnknownUnknown
MiCA Article 60 notification: custody & administration, order execution, reception & transmission of orders, transfer services
Notified (MiCA Art. 60)UnknownUnknown
MiCA Article 60 notification: custody & administration, transfer services
Notified (MiCA Art. 60)UnknownUnknown
Crypto custody and trading for corporate clients (with Crypto Finance)
UnknownLive — restricted / specific counterpartiesLive — restricted / specific counterparties
Crypto custody for corporate clients (with Bitpanda)
UnknownUnknownDeveloping / partnership established
Latest verified items
- T1RegulatorEU
Riksbank asks Riksdag to start preparing digital krona legislation, citing digital euro and stablecoins
- T1RegulatorEU
EBA classifies USDC as the first significant e-money token in the EU
- T1RegulatorEU
Piero Cipollone: Money in the digital age — digital euro, tokenisation and the role of central banks
- T1RegulatorEU
EBA identifies priorities for the review of MiCA
- T1RegulatorEU
Eurosystem launches Pontes to settle tokenised wholesale transactions in central bank money
- T1RegulatorEU
Czech National Bank grants MiCA crypto-asset service licences to 11 entities
- T1RegulatorEU
Sweden's MiCA transition period has ended: only authorised crypto firms may now serve Swedish customers
- T3SecondaryEU
Swissquote Bank Europe obtains Luxembourg MiCA CASP licence
Authorities: European Central Bank / Eurosystem · European Banking Authority · ESMA · Czech National Bank · CSSF (Luxembourg)
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50 quote-verified items · 56 bank initiatives tracked · 15 jurisdictions
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