MiCA-Ready Banking Infrastructure.
SBT supports the Markets in Crypto-Assets Regulation (MiCA), PSD2 payment services, CRD/CRR capital adequacy, and multi-regulator reporting across EU member states.
MiCA, PSD2, CRD/CRR, and National Regulators
The Markets in Crypto-Assets Regulation (MiCA), effective July 2025, sets comprehensive requirements for stablecoin issuers, custodians, and crypto-asset service providers operating in the EU. It operates alongside existing banking frameworks including PSD2 and CRD/CRR.
- CASP authorization and stablecoin issuance licensing under MiCA
- EMT (e-money token) and ART (asset-referenced token) issuance requirements
- Reserve management and regular independent audits
- Operational resilience including cyber incident reporting (DORA)
- AML/CFT compliance with customer due diligence and transaction monitoring
- PSD2 compliance for payment services including Strong Customer Authentication (SCA)
- CRD/CRR capital adequacy requirements for banking operations
How SBT addresses MiCA and EU requirements.
- Stablecoin issuance workflows with reserve audit integration for EMT/ART compliance
- Operational resilience monitoring and incident reporting aligned with DORA
- AML/CFT compliance with multi-jurisdiction screening across EU member states
- PSD2 Strong Customer Authentication (SCA) support for payment services
- Consumer complaint handling workflows per MiCA consumer protection requirements
- Regulatory reporting for ESMA and national regulators (BaFin, AMF, FCA, etc.)
- Capital adequacy calculation and reporting per CRR Annex I
Architecture-ready.
SBT is MiCA-compliant and production-ready for EU banking operations. The platform supports the regulatory framework across ESMA oversight and national regulator requirements. Deployment specifics are scoped per member state.
Last reviewed: March 2026
Ready to deploy in European Union?
A conversation with our team will clarify how SBT fits your regulatory requirements in European Union.