KEY TAKEAWAYS
- Crypto.com secures a Limited Financial Institutions licence from the Malta Financial Services Authority, enhancing its regulatory compliance in Europe.
- This licence allows Crypto.com to offer stablecoin services across the EU, aligning with MiCA and PSD2 regulations.
- With this approval, Crypto.com strengthens its position as a leading regulated crypto platform in Europe.
February 27, 2026 – Crypto.com has achieved a significant regulatory milestone by obtaining a Limited Financial Institutions licence from the Malta Financial Services Authority (MFSA). This approval enables the company to continue offering its full range of stablecoin services, classified as payment services, across the European Union without any disruption. The announcement was made here.
This new licence pertains specifically to services related to electronic money tokens (EMTs). It was acquired to navigate the complex regulatory environment that involves overlapping crypto asset services under the Markets in Crypto-Assets (MiCA) regulation and payment services under the Payment Services Directive 2 (PSD2). By securing this licence, Crypto.com has ensured compliance with both regulatory frameworks, covering all aspects of its stablecoin operations.
Crypto.com’s Malta entity had previously received MiCA approval in January 2025, allowing the company to passport its services across the European Economic Area (EEA). Additionally, Crypto.com holds a full Electronic Money Institution (EMI) licence in Europe, positioning it as one of the most comprehensively authorised platforms in the region.
Eric Anziani, President and Chief Operating Officer of Crypto.com, stated, “We are one of the most regulated crypto platforms in the world and receiving this licence proves, yet again, that we are committed to working with authorities to ensure the strongest compliance standards. Our stablecoin business and services remain a pivotal part of our European product offering so it was vital we secured this limited licence to continue providing seamless access to our institutional and retail customers.”
The Limited Financial Institutions licence adds to Crypto.com’s expanding list of global licences and registrations. These include a UK Electronic Money Institution licence from the Financial Conduct Authority (FCA), a Major Payment Institution licence in Singapore from the Monetary Authority of Singapore (MAS), a Virtual Assets Service Provider licence in Dubai from the Virtual Assets Regulatory Authority (VARA), U.S. Money Transmitter Licences, U.S. Designated Contracts Market (DCM) & Derivatives Clearing Organization (DCO) licences, and recently, conditional approval from the U.S. Office of the Comptroller of the Currency (OCC) for a National Trust Bank Charter.
Why This Matters: Impact, Industry Trends & Expert Insights
Crypto.com has secured a Limited Financial Institutions licence from Malta’s MFSA, allowing it to offer stablecoin services across the EU under the MiCA and PSD2 frameworks.
A recent PwC report highlights the transition in EU stablecoin regulation towards assertive, convergent supervision, focusing on reserve quality and governance. This aligns with Crypto.com’s strategic move to ensure compliance with evolving regulatory standards across Europe.
A MFSA report emphasizes the importance of enhanced prudential and governance supervision for CASPs under Malta’s Markets in Crypto-Assets Act. This supports Crypto.com’s efforts to maintain robust compliance and operational standards as it expands its services in the EU.
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