The Markets in Crypto-Assets Regulation (MiCA) is the EU’s framework for crypto-assets, replacing fragmented national rules with uniform EU-wide requirements for the issuance, offering, trading, and provision of crypto-asset services.
With the MiCA grandfathering period still in effect in some jurisdictions and full licensing required across the EU from July 1, 2026, now is the right time for CASPs to put these requirements into action.
What's inside the guide
Part 1: MiCA scope and regulatory reach
Main requirements and who they apply to: CASPs and issuers of crypto-assets, including Asset-Referenced Tokens (ARTs) and E-Money Tokens (EMTs), regulating their issuance, offering, and trading across the EU.
Timeline and evolution: We walk you through MiCA’s journey — from AMLD5 adoption in 2018, through European Parliament approval in April 2023, to entry into force in June 2023 — highlighting the milestones that shaped the regulation.
Part 2: Common misconceptions clarified
This guide offers a clear explanation of how MiCA does not establish any AML/CFT or Travel Rule requirements. Rather, how these obligations come from other EU Regulations and Directives, especially AMLD and TFR. We provide straightforward explanations and a helpful diagram to clarify your responsibilities.
Part 3: AML/CFT requirements and Sumsub capabilities
Transparent view of how Sumsub can help CASPs comply with AML/CFT obligations, including the Travel Rule, as established by AMLD5 and relevant national laws.
Key AML/CFT topics covered include:
- Identification and Identity Verification Measures
- When to apply CDD under AMLR / CDD of natural persons
- Enhanced Due Diligence and AML screening
- ...and more
Special focus:
EU Travel Rule requirements (per TFR) — Sumsub simplifies compliance with our Travel Rule solution, making a complex process straightforward and actionable.
Essential resources inside:
- MiCA licence-preparation checklist: Everything regulators expect, the legal basis behind it, and the evidence CASPs need to prepare — all in one clear, consolidated checklist.
- MiCA application pack: Practical view of the documents regulators use to assess your CASP’s governance, controls, and operational readiness.
Turn MiCA requirements into action with clear guidance from our experts
