EU MiCA Compliance Dossier

Our comprehensive compliance framework for the European Union’s Markets in Crypto-Assets (MiCA) regulation.

Executive Summary #

Product: Crypto Credits mPOS Terminal with AI
Nature: Non-custodial software interface enabling wallet-native crypto payments
Key Points:

• No custody of customer funds

• User-signed transactions only

• No personal data or KYC collected

• MiCA Articles 3, 59–76 fully mapped

• Designed for regulators, auditors, banks, PSPs, investors

MiCA Compliance Positioning #

The Crypto Credits mPOS Terminal operates outside the licensing scope of MiCA as we do not qualify as a Crypto-Asset Service Provider (CASP).

Why We Are Not a CASP:

• No custody or administration of crypto-assets (Article 59)

• No operation of a trading platform

• No execution of orders on behalf of clients (Article 61)

• No transfer services – transactions are wallet-to-wallet (Article 62)

• No advice or portfolio management

Article-by-Article Compliance #

Regulatory Submission Materials #

We provide complete regulatory packages for:

For Regulators:

• Pre-notification letters (localized for EU member states)

• MiCA Article 75 explanation memo

• Regulator Q&A defense script

• Non-custodial product description

• Risk and mitigation overview

For Investors & VCs:

• Investor Regulatory Assurance Memo

• External Legal Opinion Template

• Board-Level Risk Summary Table

For Banks & PSPs:

• Compliance Positioning Note

• Bank Q&A Script

• Operational Risk Overview

• PSP Integration Position Statement

Risk Management Framework #

U.S. Clarity Act Preparedness #

While the Clarity Act is still proposed legislation, our architecture is designed to align with its expected principles:

• Non-custodial operation – No money transmission licensing required

• Utility-based transactions – Not investment products

• Consumer protection – Transparent, user-controlled payments

• Regulatory clarity – Clear distinction from securities

Global Compliance Approach #

Our compliance strategy is built on three pillars:

1. Architecture-Based Compliance

   • Non-custodial by design

   • No personal data collection

   • User-controlled transactions

2. Transparent Documentation

   • Ready-to-submit regulator packages

   • Auditor-ready attestations

   • Clear compliance positioning

3. Proactive Engagement

   • Pre-notification to regulators

   • Regular compliance updates

   • Open dialogue with authorities

Auditor-Ready Materials #

We maintain complete audit packages including:

• Compliance attestation templates

• System architecture documentation

• Transaction flow diagrams

• Risk control documentation

• Legal opinion templates

Frequently Asked Questions #

Is the Crypto Credits mPOS Terminal regulated under MiCA?
No. Our terminal does not provide any regulated services under MiCA’s CASP definition.

Do you require KYC from customers?
No. We never collect personally identifiable information. All transactions are wallet-to-wallet.

Can you reverse or cancel transactions?
No. Once a transaction is signed by the customer and confirmed on-chain, it is irreversible.

Which cryptocurrencies are supported?
We support major cryptocurrencies on transparent L1/L2 networks. Privacy coins are not supported for compliance reasons.

Is the terminal available globally?
Yes, though users are responsible for complying with local regulations in their jurisdiction.

Compliance Documentation Downloads #

1. MiCA Compliance Summary – Complete overview of our MiCA positioning

2. Regulator Submission Pack – Ready-to-use materials for EU regulators

3. Investor Compliance Memo – Due diligence materials for investors

4. Bank Integration Pack – Compliance materials for banking partners

5. Auditor Attestation Templates – Sign-ready compliance certificates