MiCA Guard

Can you offer this token in the EU?

MiCA-Guard checks a crypto-asset and your services against Regulation (EU) 2023/1114, verifies your licence and the issuer in the ESMA register, and answers with the article, the source and the deadline.

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10 checks a month for free. The ESMA register is refreshed every day.

The application is currently in Bulgarian; the English interface is on its way. Pilot clients get it first.

USDT — Tether USD

Custody and administration on behalf of clients

Non-compliant
  1. Art. 48(1)(a)
    Breach

    The issuer has no EU authorisation. The token cannot be offered to the public or admitted to trading.

  2. Art. 66(1)
    Breach

    ESMA opinion of 8 Oct 2026: services stop, and remaining positions are wound down by 8 Jan 2027 at the latest.

  3. Art. 59, 63
    Met

    The licence and the custody service are listed in the ESMA register.

Sample. Every finding names its source: the ESMA register, our catalogue or your declaration.

Free: which stablecoins are MiCA-compliant

USDT, USDC, EURC, FDUSD and more — matched against the ESMA register every day, no sign-up.

Open the stablecoin checker

What it checks

  • Art. 59, 60, 63

    Licence and scope of services

    We match your company's LEI with the ESMA register: is there an authorisation or notification, and is every service you provide listed?

  • Art. 16, 48, 66(1)

    Stablecoins

    Issuer authorisation in the EU, a notified white paper, and the ESMA opinion on tokens that do not comply with MiCA.

  • Art. 4, 5, 66(3), 143(2)

    White papers

    When a white paper is required, when a link to a registered one is enough, and which deadline applies to assets admitted before 30 Dec 2024.

  • Art. 76

    Trading platforms

    Suitability assessment before admission, and assets with a built-in anonymisation function.

How it works

  1. Pick a crypto-asset or your whole token list, and the services you provide.
  2. MiCA-Guard applies 29 rules and checks licences and white papers in the ESMA register.
  3. You get a result with the article and source for every requirement, next steps, and a PDF report with a checksum.

Deadlines we track

  1. 1 Jul 2026

    End of the transitional period. No services without authorisation. Deadline passed.

  2. 8 Jan 2027

    Latest date to wind down positions in non-compliant stablecoins.

  3. 31 Dec 2027

    White papers for assets admitted to trading before 30 Dec 2024.

Who it is for

  • Crypto-asset service providers — a check before every new service or token, and a report for the audit file.
  • Law firms and consultants — a fast first assessment for clients applying for authorisation.
  • Banks and payment institutions — Art. 60 notification and screening of crypto counterparties.
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