Is your stablecoin MiCA‑compliant?

A MiCA-compliant stablecoin is one whose issuer has been authorised under MiCA Title IV (for EMTs) or Title III (for ARTs) by an EU national competent authority. In practice that means: 1:1 fiat reserves, segregated bank accounts, audited monthly, and a guaranteed right of redemption at par. It does not mean “endorsed” — it means “supervised.”

Almost always, yes. Most EU jurisdictions treat yield as ordinary investment income — Germany applies the 26.375% Abgeltungsteuer, France the 30% PFU, Spain 19–28% depending on amount. See our country guides for current rates.

“Safer than self-custody” if the platform holds a MiCA CASP licence and segregates client assets — both checks we run on every platform we list. “Safer than a bank deposit” — no. Stablecoin platforms aren’t covered by the EU’s €100k Deposit Guarantee Scheme.

For a MiCA EMT, you have a legal right to redeem 1:1 directly with the issuer regardless of the secondary-market price — that’s the regulatory floor. For non-MiCA stablecoins, there is no such legal floor; the secondary-market price is everything.

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