Crypto Credits mPOS Terminal with AI
Regulatory Positioning Overview #
Crypto Credits operates a non-custodial, AI-powered mPOS terminal designed to facilitate crypto-to-fiat payment initiation while maintaining strict separation from custody, settlement, and asset control.
Under Regulation (EU) 2023/1114 (MiCA), Crypto Credits is positioned as a technology and payment interface provider, not a crypto-asset issuer or custodian.
MiCA Classification Assessment #
| MiCA Activity | Crypto Credits Status |
|---|---|
| Crypto-asset issuance | ❌ Not performed |
| Custody of crypto-assets | ❌ Not performed |
| Exchange execution | ❌ Not performed |
| Client asset holding | ❌ Not performed |
| Payment initiation | ✅ Performed |
| AI transaction orchestration | ✅ Performed |
| Non-custodial transaction routing | ✅ Performed |
Key Compliance Principles #
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Non-custodial by design
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No private key access
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No asset pooling
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No balance holding
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Merchant-controlled wallets
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Third-party regulated PSPs & exchanges
AI Functionality Compliance #
AI modules are used exclusively for:
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Transaction routing optimization
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Fraud detection & anomaly alerts
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Fee optimization
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Merchant insights
AI does not:
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Execute trades
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Control wallets
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Override user consent
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Access private keys
Consumer Protection Measures #
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Explicit transaction confirmation
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Transparent fee breakdown
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Real-time settlement visibility
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Merchant opt-in for all AI features
Ongoing Compliance Monitoring #
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Quarterly MiCA review
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Regulatory watch across EU Member States
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Versioned compliance documentation
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Audit-ready controls
Conclusion:
Crypto Credits operates within MiCA’s permitted framework as a non-custodial crypto payment technology provider, minimizing regulatory exposure while maximizing transparency.
