Research MiCA with trusted AI

Cite the Regulation and every ESMA Q&A to the article. CASP licensing, stablecoin rules, and market-abuse obligations in one search.

CASP licensing Stablecoin rules ESMA & EBA Q&As
Preparing for CASP authorisation or passporting?

Built for MiCA compliance. Ready for the regulator.

12.5% of annual turnover, max CASP fine under Article 111
10 services CASP activities (Article 59)
149 articles + RTS, ITS, Q&As indexed
3 token types other crypto, ART, EMT
MiCA coverage
Regulation text · RTS · ITS · ESMA Q&As · EBA Q&As · National transitional regimes
How it works

From your documents to a full licensing file

Use eulaw.ai alongside your own documentation to build a defensible MiCA filing. Not a replacement for your compliance programme, but a research accelerator underneath it.

1

Upload

Your whitepaper draft, CASP authorisation application, market-abuse policies, or reserve-composition memo, directly into the chat. Documents persist across the whole conversation.

2

Ask

Classify your token under Title II / III / IV, scope CASP services under Article 59, draft whitepaper disclosures, or cross-reference with AML and DORA. Cross-referenced to the Regulation, every RTS and ITS, and ESMA / EBA Q&As.

3

Export

A citation-backed compliance report with paragraph-level gaps, obligation by obligation, ready for your national competent authority filing or board-level briefing.

MiCA: is my stablecoin an ART or an EMT?

The distinction turns on what the token references. Under Regulation (EU) 2023/1114 (MiCA):

  • Art. 3(1)(6) ART (Asset-Referenced Token): references "any other value or right or a combination thereof, including one or more official currencies" — pegged to a basket of assets, a commodity, or multiple currencies
  • Art. 3(1)(7) EMT (E-Money Token): references "the value of one official currency" — pegged to a single fiat currency

Key obligations

  • ART issuers: authorisation under Art. 16, reserve of assets under Art. 36, own funds requirements under Art. 35
  • EMT issuers: only credit institutions or authorised EMIs may issue (Art. 48)
  • Significant ARTs / EMTs: EBA-supervised under Chapter 5, stricter prudential rules

Common pitfall

A "euro-backed stablecoin" reading as "pegged to one currency" is an EMT, not an ART — miscategorisation blocks market access.

Trusted by crypto-asset legal and compliance teams across Europe

In-house counsel, compliance officers, and CASPs rely on eulaw.ai for MiCA work where a single miscategorised token can cost a licence.

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eulaw.ai is the only tool I trust for EU financial regulation. It has cut our compliance research time by at least 30%.

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eulaw.ai enables us to take on clients from industries and jurisdictions we previously would have had to decline.

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A single fabricated case citation can lead to professional sanctions. eulaw.ai eliminates this risk by anchoring every response in verified legal sources.

Not a generic AI chatbot.
A research tool built for MiCA.

eulaw.ai reads the full MiCA Regulation, every Regulatory and Implementing Technical Standard, ESMA and EBA Q&As, and national transitional regimes. Every answer traces back to the exact article, in every EU official language, updated as new supervisory guidance publishes. The research assistant crypto-asset legal and compliance teams reach for when a single misclassified token can cost a licence.

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We built eulaw.ai on sovereign EU infrastructure from day one. Every byte is encrypted in transit and at rest. We run large language models on EU-managed cloud infrastructure. Nothing is sent to public AI APIs, model providers do not receive or store your content, and no customer data is used for training.

Your first MiCA citation in 30 seconds.

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