Which MiCA class does my business need?
The class follows from the services you will provide. Transfer, advice or order handling alone is Class 1. Adding custody or exchange of crypto-assets for money or other crypto-assets makes it Class 2. Operating a trading platform makes it Class 3. You choose the class in the order form; we check it against your planned services before the work starts.
Is custody a Class 3 service?
No. Under Annex IV of MiCA, custody and administration of crypto-assets on behalf of clients is a Class 2 service. Class 3 adds the operation of a trading platform. A Class 3 provider may also provide the Class 2 services, including custody.
Is the minimum capital part of your price?
No. The minimum capital (50,000, 125,000 or 150,000 euros depending on the class) must be held by your company. Our price is our professional fee only.
Can an Estonian CASP serve clients in other EU countries?
MiCA allows an authorised crypto-asset service provider to provide services in other Member States after it has submitted the information required by Article 65 of the regulation to its home authority. We can prepare that notification as part of the project.
Do you guarantee the authorisation?
No. The Financial Supervision Authority decides whether to grant the authorisation. We prepare a complete application and manage the process, but we cannot promise the outcome or its timing.
How does a MiCA-authorised CASP provide services in other Member States?
It notifies its home authority under Article 65 of MiCA with the list of Member States, the services, the starting date and its other activities. The home authority forwards the information within ten working days; the CASP may start from the date of that communication and at the latest on the fifteenth calendar day after its complete submission.
Does the passport notification cover local rules in the host country?
No. It activates the regulatory passport. Local consumer, marketing, language and tax rules in each host state still apply; a review of them is not part of this service.
What ongoing obligations does a CASP have after authorisation?
Among others: prudential safeguards at all times (Article 67 of MiCA), governance and internal control (Article 68), complaints handling (Article 71), conflicts of interest (Article 72), outsourcing controls (Article 73), custody rules where relevant (Article 75), DORA and the Travel Rule. Our monthly support helps you keep policies and reporting current.
Does the compliance support make you our compliance officer?
No. Your compliance officer and management board must be your own people, assessed by the authority. The support gives them answers, updated policies and a reporting calendar.
Who needs a crypto-asset white paper?
An offeror of crypto-assets to the public, or a person seeking admission to trading, must in principle draw up and notify a white paper under Title II of MiCA, unless an exemption applies. Asset-referenced and e-money tokens follow separate rules.
Can a MiCA licence be obtained without an office in Estonia?
A crypto-asset service provider authorised in Estonia must have its registered office and real substance here — management and operations, not only an address. We assess this before the application.
What are the main risks of a MiCA application?
Insufficient capital for the class, ICT and AML frameworks that do not match the business, and managers who do not meet the fit and proper requirements. The decision is the authority's.
What happens after authorisation?
Ongoing compliance, reporting and, if you serve other EU countries, the cross-border notification under Article 65 of MiCA.
How much does a crypto licence in Estonia cost?
Three parts. Our fee for preparing and managing the application is in the price table on this page. The Financial Supervision Authority charges a procedural fee of 3,000 euros for the application (Financial Supervision Authority Act § 45³(2), in the wording in force from 1 October 2026, checked 4 October 2026); you pay it yourself. And the company must hold the minimum capital of its class, which is its own money, not a fee. Annual supervision fees follow after authorisation.
Is an old FIU crypto licence still enough?
No. MiCA allowed providers that already operated under national law before 30 December 2024 to continue until 1 July 2026 at the latest (Article 143(3)). That date has passed: crypto-asset services now need a MiCA authorisation, in Estonia from the Financial Supervision Authority. We prepare the application; the authority decides.
Does a MiCA application need anti-money-laundering procedures?
Yes. The application describes the applicant's procedures for preventing money laundering and terrorist financing, together with the Travel Rule arrangements for crypto-asset transfers under Regulation (EU) 2023/1113. We prepare these documents as a separate add-on so that they are written for your own services and clients; the authority alone decides on the authorisation.
