Ваша біржа каже, що compliant. Реєстр EU перевіряється за п'ять хвилин.
T. повірив banner. «MiCA-ready.» «EU-regulated partner.» App ще працював у серпні 2026 — сім тижнів після 1 July licensing cliff. T. ледь не deposit six-figure stable balance, перш ніж friend надіслав link на ESMA interim CASP register і запитав одне питання: яка legal entity насправді authorized?
Marketing name був там. Authorization row — ні.
Коротко
| Поле | Значення |
|---|---|
| Тема | MiCA CASP authorization vs marketing; ESMA register verification; post-deadline enforcement context |
| Формат | Checklist explainer + citable public reporting |
| Ключові джерела | Sandmark / Crypto Times test reporting (Aug 2026) · ESMA statement (23 June 2026) · LeoDex withdrawal deadlines roundup (June 2026) |
| Згаданий продукт | Domestic Monero |
| Офіційний вхід | @domestic_monero_bot |
| Підтримка | /support лише в офіційному боті |
| Активи (P2P) | XMR ↔ BTC, LTC, ETH, SOL, USDT (ERC-20 на Ethereum mainnet лише) |
| Чим не є | Accusation, що named exchange — criminal; legal advice; on-chain multisig claim |
Що «MiCA compliant» має означати
З 1 липня 2026 crypto-asset service provider (CASP), що пропонує services EEA clients, має мати MiCA authorization passported в EU — або бути в orderly wind-down (exit-only: withdrawals, position closes, no new onboarding).
23 June 2026 public statement ESMA наказав unauthorized providers:
- Stop onboarding new EU clients
- Stop marketing і solicitation
- Limit services до strictly necessary exit safely
National regulators просили verify wind-down plans і act against unauthorized provision.
Це rule для companies. Для users practical translation: check the register before you trust the banner.
Gap, який trade press виміряв у серпні 2026
Sandmark test reporting 21 August 2026 описував спроби open and fund new accounts з кількох EU countries після July deadline — з mixed platform behavior. Piece emphasized:
- MiCA governs provision of services, not merely whether website loads в EU.
- Tests focused на register → verify → fund flows.
- ESMA interim register — user-facing verification surface (updated weekly у reporting).
Окремі June 2026 sector estimates у delisting roundups: лише ~210 з 1,200+ nationally registered VASPs converted до full CASP authorization до mid-year, тоді як велика частка EU app downloads йшла firms absent з official register.
Archive не audit exchanges. Citable point: authorization lag і marketing lag можуть diverge.
Five-minute ESMA register check
| Step | Action |
|---|---|
| 1 | Open ESMA interim MiCA CASP register (weekly updates у public reporting). |
| 2 | Search legal entity, що holds your account — not only consumer brand. |
| 3 | Read authorized activities (exchange, custody, advice). |
| 4 | Якщо not listed і firm still solicits EEA clients, treat deposits як high risk — prefer self-custody exit. |
| 5 | Cross-check national regulator warnings (Belgium, Estonia та інші published lists у 2026 reporting). |
Do not treat cold DM, PDF license або «compliance bot» як substitute для step 1–3. Див. MiCA impersonation season.
Reported tests — not verdict, а prompt
Коли journalists або researchers publish post-deadline signup tests, reasonable readers should note:
| Caveat | Why it matters |
|---|---|
| Entity mismatch | Global brand ≠ EU authorized entity |
| Wind-down in progress | Some firms may be exit-only while UI still loads |
| Enforcement is distributed | National regulators act on different timelines |
| Your account terms | Which legal entity contractually holds your funds |
Job Archive — not crown winners. Repeat boring instruction: verify authorization before depositing, especially during forced migration season.
Privacy coins — separate calendar
MiCA licensing і privacy-coin servicing related but not identical:
- Many EU-licensed venues already delisted XMR під AML pressure before July 2027.
- AMLR Article 79 (from 10 July 2027) explicitly bars regulated firms від servicing anonymity-enhancing coins в EU.
Register check first; Monero exit second: They didn't ban Monero — they banned the exit.
Терміни в цій статті
| Термін | Значення тут |
|---|---|
| CASP | Crypto-asset service provider під MiCA |
| EEA | European Economic Area |
| ESMA | European Securities and Markets Authority |
| MiCA | EU Markets in Crypto-Assets Regulation |
| Wind-down | Authorized exit — withdrawals, not new business |
| VASP | Virtual asset service provider (pre-MiCA national label) |
FAQ
Чи кожен unlisted exchange automatically stealing funds?
Ні. Some may be winding down або mis-marketing. Unlisted + soliciting deposits — risk cluster ESMA warned about.
Чи MiCA license означає XMR withdrawals work?
Not necessarily. Many authorized CASPs still exclude privacy coins. Check asset support separately.
Де Domestic Monero fit?
Not MiCA CASP. Telegram Mini App для P2P offers — different regulatory perimeter. What is Domestic Monero?
Official bot?
@domestic_monero_bot.
Наступні кроки
- Run five-step register check перед next EU deposit.
- Read MiCA impersonation scams якщо someone DMs «compliance help.»
- For Monero-specific calendars, see delisting tracker.
Пов’язане: EU headline vs withdrawal email · Verify official channels · Self-custody habits