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MiCA040 - Payouts in fiat currency by CASPs in the context of exchange services

Question ID
MiCA040
Receiving ESA
ESMA
URL
https://www.esma.europa.eu/publications-data/questions-answers/2550
Final publishing date
Question

Should the business model whereby a crypto-asset service provider (CASP) provides exchange services but only ever allows clients to collect their balance in fiat currency be allowed?

Topic
Classification of crypto assets (MiCAR)
Subject matter
Payouts in fiat currency by CASPs in the context of exchange services

MICA051 - Withdrawal of crypto-assets

Question ID
MICA051
Receiving ESA
ESMA
URL
https://www.esma.europa.eu/publications-data/questions-answers/2320
Final publishing date
Question

I seek clarification regarding the obligations of Crypto-Asset Service Providers (CASPs) under Article 75 of the Markets in Crypto-Assets Regulation (MiCA) concerning the ability for customers to withdraw specific crypto assets. Specifically, does Article 75 require CASPs to enable customers to withdraw every cryptocurrency offered for trading on the platform? For example, if a cryptocurrency exchange allows customers to trade Dogecoin but faces technical limitations in facilitating direct Dogecoin withdrawals, would it suffice to offer a conversion option, allowing customers to exchange Dogecoin for Bitcoin, Ethereum, or fiat currency, which they can then withdraw?

Topic
Other MiCAR topics
Subject matter
Withdrawal of crypto-assets

MICA039 - Interest earned from client funds deposited at credit institutions

Question ID
MICA039
Receiving ESA
ESMA
URL
https://www.esma.europa.eu/publications-data/questions-answers/2486
Final publishing date
Question

Does MiCA permit crypto-asset service providers (CASPs) to earn interest on client funds deposited in a savings account at a credit institution?

Topic
Classification of crypto assets (MiCAR)
Subject matter
Interest earned from client funds deposited at credit institutions
News 18 February 2026

The EBA ESG Dashboard update shows stable climate risk indicators

The European Banking Authority (EBA) today published the latest edition of its ESG risk dashboard, integrating data up to the second quarter of 2025. The dashboard reflects the latest changes in banks 'exposures to climate risks and aims to provide background information to support institutions and authorities in managing these risks. The new release confirms continued stability across major climate related risk indicators, broadly in line with the patterns observed in previous updates.

Press Release 18 February 2026

​EBA issues Opinion to the European Commission on the draft amended European Sustainability Reporting Standards

​The European Banking Authority (EBA) published today an Opinion on the draft amended European Sustainability Reporting Standards (ESRS) developed by the European Financial Reporting Advisory Group (EFRAG). The EBA recognises through this Opinion, addressed to the European Commission, the progress achieved in simplifying elements of the initial standards while also highlighting key issues that require further attention - most notably, the permanent nature of certain reliefs.

Press Release 13 February 2026

The EBA publishes its final Guidelines on proportionate retail diversification methods under the standardised approach for credit risk

The European Banking Authority (EBA) today published its final Guidelines on proportionate retail diversification methods under the Capital Requirements Regulation (CRR). The Guidelines provide a harmonised framework to assess whether their retail portfolios are sufficiently diversified, while ensuring a proportionate application for smaller institutions.

Press Release 12 February 2026

The EBA advises national authorities on actions to take at the end of the transition period under its No-Action Letter on the interplay between PSD2 and MiCA

The European Banking Authority (EBA) published today an Opinion advising national competent authorities (NCAs) under the Revised Payment Services Directive (PSD2) on how to proceed once the transition period that is set in the EBA’s No-Action Letter of 2 June 2025 (EBA/Op/2025/08) comes to an end on 2 March 2026. The transition period allows crypto asset service providers (CASPs) nine months to continue transacting electronic money tokens that qualify as payment services while submitting, and awaiting the response to, their application for authorisation under PSD2.