The crypto landscape of the European Union is diverse, and with the advent of Markets in Crypto-Assets Regulation (MiCA), it is also getting more secure and monitored. Today, over 50 traditional financial institutions, crypto-native firms, and challenger fintechs have gained regulatory approval across the EU. Let’s briefly overview the MiCA-licensed crypto providers in Europe.
Splitwise Pay by Bank service will now function across France, Germany, and Austria via Tink, a Visa Solution, partnership.
Fresh off becoming the first Swedish crypto firm authorized under the EU’s Markets in Crypto-Assets (MiCA) regulation, Safello has announced a new strategic partnership with Fragbite Group AB, one of Sweden’s leading gaming and esports companies.
In its final stage of integration into the Single Euro Payments Area (SEPA) payment scheme, Albania will officially launch SEPA euro payments on Oct. 7, 2025.
As their strategic partnership has brought successful results in the U.S. market, MoneyGram and Plaid now move on to European countries with their joint open banking offering.
In an effort to bridge the gap between instant payment expectations and slow processing caused by inefficient cross-border payment rails, BBVA introduces instant payments for cross-border transfers coming from outside the eurozone.
Adding a Pay by Bank account-to-account (A2A) payment option to the payment gateway empowers Revolut customers to seamlessly improve their conversion rates and significantly reduce chargeback hustle.
The Klarna Card is debit-by-default, so purchases are settled immediately from the user’s funds, while the benefits of Klarna’s flexible repayment options still remain.
One of Europe’s fastest-growing payment networks, TrueLayer, will complement the existing BLIK solution in the instant transaction market of Poland.
While Europe’s PSD2 framework has propelled open banking adoption, Visa’s retreat in the U.S. shows how the lack of unified regulation leaves American fintechs at a disadvantage.
British BNPL scale-up, Bumper from Sheffield, is one of the fintechs which illustrate that targeting specific niche pain points (unexpected car repair bills) can be as successful as taking a generalized approach to financial services.
Dutch crypto launchpad Decubate has become one of the first platforms in the EU to secure full MiCAR approval, allowing it to run legally compliant token fundraising.
Having secured sufficient seed funding, Handwave prepares to pilot its palm-based payments and identity platform in Europe and the US.
As stablecoin adoption grows globally, the new EURAU token from AllUnity aims to power 24/7 seamless cross-border payments.
The ECB’s work on the digital euro remains in the preparation phase, with no final decision in place as to whether to launch it or not. However, the bank is working closely with national central banks, industry, and EU lawmakers to make sure everything is in place if the go-ahead is given.
While some businesses see payment landscape fragmentation in the EU as a challenge, Yowpay treats it as an opportunity to deliver real value. In this interview, Christian Caumont, CEO of Yowpay, shares his opinion on the present and future of real-time SEPA payments, the role of open banking in European e-commerce, and much more.
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