MiCA, in plain English - all 67 articles.

Scope, who can be a CASP, how to get authorised, how to keep it, how to act.

• Art. 59
  CASP services scope A source-backed, conservative evidence checklist for crypto firms assessing which activities constitute providing crypto-asset services under Regulation (EU) 2023/1114 Article 59, and whether Article 60 or Article 62 is the applicable authorisation route.
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• Art. 60
  financial entity notification vs CASP authorisation A practical evidence map for banks, investment firms, e-money institutions, UCITS managers, AIFMs, market operators, and other financial entities assessing whether MiCA Article 60 notification or Article 62 CASP authorisation is the right route for planned crypto-asset services.
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• Art. 61
  reverse solicitation A source-backed, conservative evidence checklist for third-country crypto-asset service firms and EU-facing teams assessing client-initiative boundaries under Regulation (EU) 2023/1114 Article 61.
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• Art. 62
  CASP authorisation application A source-backed preparation page for CASP teams converting Article 62 authorisation requirements and the 2025 technical standards into an evidence inventory.
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• Art. 63
  CASP authorisation assessment A source-backed preparation page for CASP teams turning Article 63 assessment timing into a clean response plan, evidence tracker, and regulator-question workflow.
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• Art. 64
  withdrawal of authorisation A practical evidence checklist for CASPs preparing withdrawal-risk monitoring, inactivity reviews, renunciation packs, governance escalation, AML issue logs, Article 74 wind-down handoffs, and competent-authority response files.
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• Art. 65
  cross-border services A practical evidence checklist for authorised CASPs preparing cross-border service notifications, host Member State lists, service-scope mapping, start-date evidence, activity boundaries, and governance handoffs.
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• Art. 66
  conduct obligations A practical evidence checklist for CASPs documenting honest, fair and professional conduct, client communications, marketing communications, pricing, complaints, conflicts, governance ownership, and handoffs to Article 68, Article 71, and Article 72 evidence.
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Capital and insurance, governance, complaints, conflicts, outsourcing, wind-down, custody and client assets.

• Art. 67
  insurance policy A conservative evidence checklist for CASPs turning Article 67 insurance-policy characteristics and risk categories into a broker, insurer, counsel, or internal-risk review packet.
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• Art. 67
  insurance and prudential safeguards Article 67 is the main MiCA provision CASPs cite when comparing own funds, professional indemnity insurance, and comparable guarantees. The commercial question is not just which route is allowed. It is what evidence makes the route credible.
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• Art. 68
  governance and controls A practical evidence checklist for CASPs turning Article 68 governance obligations into reviewable material for authorisation, internal risk work, counsel, and insurance-market diligence.
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• Art. 69
  information to competent authorities A practical evidence checklist for CASPs preparing management-body change notifications, Article 68 governance evidence, timing records, approval packs, and response ownership for competent-authority review.
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• Art. 70
  client assets safeguarding A practical evidence checklist for CASPs documenting how funds and crypto-assets belonging to clients are protected, recorded, segregated, and connected to custody, governance, and insurance-market diligence.
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• Art. 71
  complaints handling A practical evidence checklist for CASPs documenting prompt, fair and consistent handling of complaints under MiCA Article 71 and the related complaints-handling RTS.
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• Art. 72
  conflicts of interest A practical evidence checklist for CASPs documenting how conflicts are identified, prevented, managed, disclosed, recorded, and escalated under MiCA Article 72.
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• Art. 73
  outsourcing A practical evidence checklist for CASPs documenting outsourced ICT, custody, compliance, blockchain analytics, support, and operational services under MiCA Article 73.
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• Art. 74
  wind-down plan A practical evidence checklist for CASPs documenting an orderly wind-down plan, client asset return, communications, vendor dependencies, recordkeeping, and handoffs to Article 67, Article 70, and Article 75 diligence.
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• Art. 75
  custody liability insurance Article 75 is not an insurance-shopping checklist. It is the custody and administration framework that shapes the liability story insurers and risk teams need to understand.
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The specific obligations attached to each of the ten regulated services.

• Art. 76
  trading platform rules A practical evidence checklist for CASPs documenting clear and transparent operating rules, crypto-asset admission controls, order-book governance, systems resilience, and related diligence under MiCA Article 76.
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• Art. 77
  exchange services A practical evidence checklist for CASPs exchanging crypto-assets for funds or other crypto-assets: firm-price publication, pricing-method documentation, exchange limits, execution records, client communications, and safeguarding handoffs.
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• Art. 78
  execution of orders A practical evidence checklist for CASPs executing orders for crypto-assets on behalf of clients: best-possible-result factors, execution-policy governance, client consent, order records, and conduct/client-asset handoffs.
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• Art. 79
  placing crypto-assets A practical evidence checklist for CASPs involved in placing crypto-assets: placement type, purchase-guarantee assumptions, fees, timing, process, price, targeted purchasers, issuer agreement, and conflicts controls.
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• Art. 80
  reception and transmission of orders A practical evidence checklist for CASPs that receive client orders for crypto-assets and transmit them onward: intake channels, client instructions, transmission destinations, timestamps, confirmations, outsourcing dependencies, and conduct controls.
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• Art. 81
  advice and portfolio management A practical evidence checklist for CASPs providing advice on crypto-assets or portfolio management of crypto-assets: suitability assessment, client knowledge and experience, investment objectives, risk tolerance, disclosures, review cadence, conduct controls, and conflicts handoffs.
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• Art. 82
  transfer services A practical evidence checklist for CASPs providing transfer services for crypto-assets on behalf of clients: client agreement scope, originator and beneficiary details, wallet address records, fees, security systems, status logs, conduct controls, safeguarding, and custody handoffs.
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Acquisitions, qualifying holdings, and what changes when you become a 'significant' CASP.

• Art. 83
  CASP acquisitions A practical evidence checklist for proposed acquisitions of crypto-asset service providers: qualifying holding thresholds, notification records, assessment-period ownership, information-request logs, AML/CTF consultation readiness, governance evidence, and operational-risk handoffs.
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• Art. 84
  CASP acquisition assessment A source-backed, conservative evidence checklist for proposed CASP acquisitions and qualifying-holding changes under Regulation (EU) 2023/1114 Article 84.
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• Art. 85
  significant CASPs A source-backed, conservative evidence checklist for identifying significant crypto-asset service providers under Regulation (EU) 2023/1114 Article 85.
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Inside information, manipulation, detection, and the surveillance regime carried over from MAR.

• Art. 86
  market abuse scope A source-backed, conservative evidence checklist for CASPs, venues, issuers, and compliance teams mapping when MiCA market-abuse rules can touch crypto-assets, orders, transactions, and behaviour.
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• Art. 87
  inside information A source-backed, conservative evidence checklist for CASPs, issuers, trading venues, and compliance teams turning MiCA Article 87 inside-information language into reviewable controls.
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• Art. 88
  public disclosure A source-backed, conservative evidence checklist for turning MiCA Article 88 public-disclosure obligations into reviewable publication, delay, confidentiality, and website-retention controls.
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• Art. 89
  insider dealing A source-backed, conservative evidence checklist for turning MiCA Article 89 insider-dealing restrictions into reviewable access, trading, order-change, recommendation, and escalation controls.
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• Art. 90
  unlawful disclosure A source-backed, conservative evidence checklist for turning MiCA Article 90 unlawful-disclosure restrictions into reviewable inside-information access, communications, escalation, and governance evidence.
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• Art. 91
  market manipulation A source-backed, conservative evidence checklist for turning MiCA Article 91 market-manipulation restrictions into reviewable trading, order, communications, rumour-control, and governance evidence.
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• Art. 92
  market abuse detection A source-backed, conservative evidence checklist for turning MiCA Article 92 prevention and detection duties into reviewable surveillance, escalation, notification, and competent-authority reporting records.
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Competent authorities, their powers, how they cooperate, professional secrecy, data protection.

• Art. 93
  competent authorities A source-backed, conservative evidence checklist for CASPs mapping Article 93 competent-authority designation, single-contact-point records, EBA/ESMA notification references, and internal ownership before supervisory correspondence or partner diligence.
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• Art. 94
  competent authority powers A source-backed, conservative evidence checklist for turning MiCA Article 94 supervisory and investigative powers into reviewable response ownership, document-production, suspension-risk, client-transfer, and governance records.
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• Art. 95
  cooperation between competent authorities A source-backed, conservative evidence checklist for turning MiCA Article 95 cooperation between competent authorities into cross-border request registers, response owners, confidentiality notes, and supervisory-response handoffs.
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• Art. 96
  cooperation with EBA and ESMA A source-backed, conservative evidence checklist for turning MiCA Article 96 cooperation with EBA and ESMA into request-response logs, information request provenance, and supervisory evidence handoffs.
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• Art. 97
  third-country cooperation A source-backed, conservative evidence checklist for turning MiCA Article 97 cooperation agreements with third countries into authority touchpoint registers, information-sharing provenance, and supervisory handoffs.
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• Art. 98
  cooperation with other authorities A source-backed, conservative evidence checklist for CASPs, issuers, offerors, and persons seeking admission to trading that also touch activities supervised under other Union, national, tax, or third-country authority regimes.
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• Art. 99
  duty of notification A source-backed, conservative evidence checklist for CASPs tracking how Member States notify the European Commission, EBA, and ESMA of Title VII implementing measures - and why that shapes the supervisory context for crypto-asset service providers operating in the EU.
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• Art. 100
  professional secrecy A source-backed, conservative evidence checklist for CASPs mapping professional-secrecy assumptions around competent-authority exchanges, business or operational information, economic or personal affairs, and supervisory-response handoffs.
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• Art. 101
  data protection A source-backed, conservative evidence checklist for CASPs mapping personal-data processing touchpoints around competent authorities, EBA, ESMA, supervisory cooperation, and public-register hygiene.
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• Art. 102
  precautionary measures A source-backed, conservative evidence checklist for CASPs mapping host Member State irregularity notices, home Member State authority handoffs, ESMA/EBA notifications, and client-protection response files.
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ESMA and EBA intervention powers, third-country cooperation, the ESMA CASP register, non-compliant entities.

• Art. 103
  ESMA temporary intervention A source-backed, conservative evidence checklist for CASPs, issuers, offerors, and trading teams mapping ESMA temporary intervention powers, market-access restrictions, notices, and governance response records.
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• Art. 104
  EBA temporary intervention A source-backed, conservative evidence checklist for CASPs, issuers, offerors, and distribution teams mapping EBA temporary intervention powers for asset-referenced tokens, e-money tokens, related activities, notices, and governance response records.
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• Art. 105
  product intervention by competent authorities A source-backed, conservative evidence checklist for CASPs, issuers, offerors, and distribution teams mapping competent-authority product intervention powers, crypto-asset scope, activity or practice restrictions, notices, and governance response records.
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• Art. 106
  coordination with ESMA or EBA A source-backed, conservative evidence checklist for CASPs, issuers, offerors, venues, and distribution teams preserving ESMA or EBA coordination records around Article 105 competent-authority product-intervention measures.
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• Art. 107
  cooperation with third countries A source-backed, conservative evidence checklist for CASPs, cross-border teams, advisers, brokers, insurers, auditors, and internal-risk owners preserving third-country supervisory cooperation context under MiCA Article 107.
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• Art. 108
  complaints handling by authorities A source-backed, conservative evidence checklist for CASPs, providers, advisers, insurers, auditors, and internal-risk teams preserving competent-authority complaint-channel records under Regulation (EU) 2023/1114 Article 108.
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• Art. 109
  ESMA CASP register A source-backed, conservative evidence checklist for reconciling public ESMA register data with CASP authorisation, service-scope, and operating-readiness records under Regulation (EU) 2023/1114 Article 109.
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• Art. 110
  non-compliant entities register A source-backed, conservative evidence checklist for CASPs and third-country service providers tracking ESMA’s register of non-compliant entities providing crypto-asset services under Regulation (EU) 2023/1114 Article 110.
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Administrative penalties, publication of decisions, reporting, appeal routes, whistleblowing.

• Art. 111
  administrative penalties A source-backed, conservative evidence checklist for CASPs mapping Regulation (EU) 2023/1114 Article 111 administrative penalties and other administrative measures to operational response owners, Article 94 authority files, and service-control evidence.
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• Art. 112
  supervisory powers and penalties A source-backed, conservative evidence checklist for CASPs mapping Regulation (EU) 2023/1114 Article 112 supervisory-power and penalty-factor language to Article 111 penalty files, Article 94 authority-response evidence, cross-border coordination records, and governance handoffs.
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• Art. 113
  right of appeal A source-backed, conservative evidence checklist for CASPs mapping Regulation (EU) 2023/1114 Article 113 right-of-appeal language to reasoned competent-authority decisions, authorisation response records, consumer/professional body routes, and governance handoffs.
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• Art. 114
  publication of decisions A source-backed, conservative evidence checklist for CASPs mapping Regulation (EU) 2023/1114 Article 114 publication-of-decisions language to Article 111 penalty files, official website records, appeal updates, data-protection boundaries, and governance handoffs.
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• Art. 115
  reporting penalties A source-backed, conservative evidence checklist for CASPs mapping Regulation (EU) 2023/1114 Article 115 reporting of administrative penalties and other administrative measures to ESMA and EBA, including annual aggregate reporting, simultaneous public-disclosure reporting, unpublished records, appeal outcomes, and central-database handoffs.
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• Art. 116
  reporting infringements A source-backed, conservative evidence checklist for CASPs mapping Regulation (EU) 2023/1114 Article 116 reporting of infringements and protection of reporting persons, including reporting-channel ownership, Directive (EU) 2019/1937 handoffs, confidentiality boundaries, non-retaliation controls, and supervisory evidence links.
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EBA's direct supervision powers over significant ARTs and EMTs - separate regime, sits behind the CASP rules.

• Art. 117
  EBA supervision A source-backed, conservative evidence checklist for Regulation (EU) 2023/1114 Article 117 supervisory responsibilities of EBA with respect to issuers of significant asset-referenced tokens and significant e-money tokens.
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• Art. 118
  EBA crypto-asset committee A source-backed, conservative evidence checklist for Regulation (EU) 2023/1114 Article 118 and the EBA crypto-asset committee's role in preparing EBA decisions and technical-standard work related to crypto-assets.
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• Art. 119
  colleges for significant tokens A source-backed, conservative evidence checklist for Regulation (EU) 2023/1114 Article 119 and the consultative supervisory colleges EBA establishes for issuers of significant asset-referenced tokens and significant e-money tokens.
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• Art. 120
  college opinions A source-backed, conservative evidence checklist for Regulation (EU) 2023/1114 Article 120 and non-binding opinions issued by colleges for issuers of significant asset-referenced tokens and significant e-money tokens.
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• Art. 121
  legal privilege A source-backed, conservative evidence checklist for Regulation (EU) 2023/1114 Article 121, which limits the use of EBA powers under Articles 122 to 125 where information is subject to legal privilege.
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• Art. 122
  request for information A source-backed, conservative evidence checklist for Regulation (EU) 2023/1114 Article 122, where EBA may by simple request or by decision require specified persons to provide all information necessary for its supervisory duties under MiCA.
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• Art. 123
  general investigative powers A source-backed, conservative evidence checklist for Regulation (EU) 2023/1114 Article 123, where EBA may conduct investigations into issuers of significant asset-referenced tokens and significant e-money tokens for Article 117 supervisory responsibilities.
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• Art. 124
  on-site inspections A source-backed, conservative evidence checklist for Regulation (EU) 2023/1114 Article 124, where EBA may conduct on-site inspections at business premises of issuers of significant asset-referenced tokens and significant e-money tokens for Article 117 supervisory responsibilities.
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