{"id":2672,"date":"2026-07-08T10:41:12","date_gmt":"2026-07-08T08:41:12","guid":{"rendered":"https:\/\/finanz-forensik.de\/?page_id=2672"},"modified":"2026-07-11T16:06:11","modified_gmt":"2026-07-11T14:06:11","slug":"mica-gelicentieerde-crypto-aanbieders","status":"publish","type":"page","link":"https:\/\/finanz-forensik.de\/nl\/whitepaper\/mica-lizenzierte-krypto-anbieter\/","title":{"rendered":"Crypto-aanbieders met een MiCA-licentie"},"content":{"rendered":"<div data-elementor-type=\"wp-page\" data-elementor-id=\"2672\" class=\"elementor elementor-2672\" data-elementor-post-type=\"page\">\n\t\t\t\t<div class=\"elementor-element elementor-element-65cc2b36 e-flex e-con-boxed e-con e-parent\" data-id=\"65cc2b36\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;gradient&quot;}\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t<div class=\"elementor-element elementor-element-6ca89496 e-con-full e-flex e-con e-child\" data-id=\"6ca89496\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t<div class=\"elementor-element elementor-element-958ac6e e-con-full e-flex e-con e-child\" data-id=\"958ac6e\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-7b477cab elementor-widget__width-initial elementor-widget-divider--view-line elementor-widget elementor-widget-divider\" data-id=\"7b477cab\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"divider.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-divider\">\n\t\t\t<span class=\"elementor-divider-separator\">\n\t\t\t\t\t\t<\/span>\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-3fb7493e eyebrow elementor-widget__width-initial elementor-widget elementor-widget-heading\" data-id=\"3fb7493e\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<div class=\"elementor-heading-title elementor-size-default\">Onderzoeksrapport nr. 06 \u00b7 Regulering en markt<\/div>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-4280ca8d elementor-widget elementor-widget-heading\" data-id=\"4280ca8d\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h1 class=\"elementor-heading-title elementor-size-default\">Crypto-aanbieders met een MiCA-licentie: 244 goedgekeurd, 1.738 afgewezen.<\/h1>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-287999cd elementor-widget__width-initial elementor-widget-mobile__width-inherit elementor-widget elementor-widget-text-editor\" data-id=\"287999cd\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p style=\"color: #cdddea; font-size: 19px; line-height: 1.6;\">Juridisch kader, marktconsolidatie, leverancierslijst, bedrijfsmodellen en toezicht \u2014 plus checklists voor leveranciers en investeerders.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-19ca17a2 elementor-widget elementor-widget-html\" data-id=\"19ca17a2\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"html.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<div style=\"display:grid;grid-template-columns:1fr 1fr;gap:14px;margin-top:8px;max-width:560px;\"><div style=\"background:rgba(255,255,255,.07);border:1px solid rgba(255,255,255,.16);border-radius:10px;padding:14px 16px;\"><div style=\"font-family:Outfit,sans-serif;font-weight:800;font-size:23px;color:#fff;letter-spacing:-.01em;\">244<\/div><div style=\"font-size:12.5px;color:#a9c3d6;margin-top:3px;line-height:1.4;\">Door MiCA goedgekeurde zorgaanbieders (ESMA, 1 juli 2026)<\/div><\/div><div style=\"background:rgba(255,255,255,.07);border:1px solid rgba(255,255,255,.16);border-radius:10px;padding:14px 16px;\"><div style=\"font-family:Outfit,sans-serif;font-weight:800;font-size:23px;color:#fff;letter-spacing:-.01em;\">1.738<\/div><div style=\"font-size:12.5px;color:#a9c3d6;margin-top:3px;line-height:1.4;\">Leveranciers zonder EU-licentie werden uitgesloten.<\/div><\/div><div style=\"background:rgba(255,255,255,.07);border:1px solid rgba(255,255,255,.16);border-radius:10px;padding:14px 16px;\"><div style=\"font-family:Outfit,sans-serif;font-weight:800;font-size:23px;color:#fff;letter-spacing:-.01em;\">\u20ac50.000\u2013150.000<\/div><div style=\"font-size:12.5px;color:#a9c3d6;margin-top:3px;line-height:1.4;\">Eigen vermogen per klasse (Bijlage IV)<\/div><\/div><div style=\"background:rgba(255,255,255,.07);border:1px solid rgba(255,255,255,.16);border-radius:10px;padding:14px 16px;\"><div style=\"font-family:Outfit,sans-serif;font-weight:800;font-size:23px;color:#fff;letter-spacing:-.01em;\">sinds 1 juli 2026<\/div><div style=\"font-size:12.5px;color:#a9c3d6;margin-top:3px;line-height:1.4;\">bindend \u00b7 EU-paspoort<\/div><\/div><\/div>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-74e2e915 e-con-full e-flex e-con e-child\" data-id=\"74e2e915\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-13f9654e elementor-align-left elementor-mobile-align-justify elementor-widget-mobile__width-inherit elementor-widget elementor-widget-button\" data-id=\"13f9654e\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"button.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<div class=\"elementor-button-wrapper\">\n\t\t\t\t\t<a class=\"elementor-button elementor-button-link elementor-size-sm\" href=\"https:\/\/finanz-forensik.de\/wp-content\/uploads\/2026\/07\/Whitepaper_MiCA-lizenzierte-Krypto-Anbieter_Finanz-Forensik.pdf\">\n\t\t\t\t\t\t<span class=\"elementor-button-content-wrapper\">\n\t\t\t\t\t\t<span class=\"elementor-button-icon\">\n\t\t\t\t<svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" viewbox=\"0 0 24 24\" fill=\"none\" stroke=\"currentColor\" stroke-width=\"2\" stroke-linecap=\"round\" stroke-linejoin=\"round\"><path d=\"M21 15v4a2 2 0 0 1-2 2H5a2 2 0 0 1-2-2v-4\"><\/path><polyline points=\"7 10 12 15 17 10\"><\/polyline><line x1=\"12\" y1=\"15\" x2=\"12\" y2=\"3\"><\/line><\/svg>\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t<span class=\"elementor-button-text\">Volledig rapport (PDF)<\/span>\n\t\t\t\t\t<\/span>\n\t\t\t\t\t<\/a>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-1c5e6eae elementor-align-left elementor-mobile-align-justify elementor-widget-mobile__width-inherit elementor-widget elementor-widget-button\" data-id=\"1c5e6eae\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"button.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<div class=\"elementor-button-wrapper\">\n\t\t\t\t\t<a class=\"elementor-button elementor-button-link elementor-size-sm\" href=\"#summary\">\n\t\t\t\t\t\t<span class=\"elementor-button-content-wrapper\">\n\t\t\t\t\t\t\t\t\t<span class=\"elementor-button-text\">Lees online<\/span>\n\t\t\t\t\t<\/span>\n\t\t\t\t\t<\/a>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-67253c23 e-con-full e-flex e-con e-child\" data-id=\"67253c23\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-2621dc04 elementor-widget elementor-widget-image\" data-id=\"2621dc04\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"image.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<img loading=\"lazy\" decoding=\"async\" width=\"434\" height=\"760\" src=\"https:\/\/finanz-forensik.de\/wp-content\/uploads\/2026\/07\/mica-cover.jpg\" class=\"attachment-full size-full wp-image-2675\" alt=\"Een cirkelvormige ring van gloeiende oranje sterren rond een blauw EU-schild op een donkere, wazige achtergrond.\" srcset=\"https:\/\/finanz-forensik.de\/wp-content\/uploads\/2026\/07\/mica-cover.jpg 434w, https:\/\/finanz-forensik.de\/wp-content\/uploads\/2026\/07\/mica-cover-171x300.jpg 171w, https:\/\/finanz-forensik.de\/wp-content\/uploads\/2026\/07\/mica-cover-7x12.jpg 7w\" sizes=\"auto, (max-width: 434px) 100vw, 434px\" \/>\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-4257e861 elementor-widget__width-auto elementor-absolute elementor-widget elementor-widget-text-editor\" data-id=\"4257e861\" data-element_type=\"widget\" data-e-type=\"widget\" data-settings=\"{&quot;_position&quot;:&quot;absolute&quot;}\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>Rapport 2026<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-77bbb579 e-flex e-con-boxed e-con e-parent\" data-id=\"77bbb579\" data-element_type=\"container\" data-e-type=\"container\" id=\"summary\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t<div class=\"elementor-element elementor-element-78b0522a e-con-full e-flex e-con e-child\" data-id=\"78b0522a\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t<div class=\"elementor-element elementor-element-2c947dad e-con-full e-flex e-con e-child\" data-id=\"2c947dad\" data-element_type=\"container\" data-e-type=\"container\" id=\"summary\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t<div class=\"elementor-element elementor-element-60ee04b2 elementor-widget elementor-widget-text-editor\" data-id=\"60ee04b2\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>Samenvatting voor het management<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-25867201 elementor-widget elementor-widget-text-editor\" data-id=\"25867201\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<ul style=\"margin:0;padding-left:20px;font-size:16px;line-height:1.55;color:#2D3748;\"><li style=\"margin:7px 0;\"><b>MiCA is operationeel sinds 1 juli 2026.<\/b> De centrale autorisatie- en toezichtsbasis voor aanbieders van cryptodiensten op de interne markt van de EU vervangt het huidige nationale systeem.<\/li><li style=\"margin:7px 0;\"><b>Marktconsolidatie:<\/b> 244 bedrijven kregen goedkeuring, 1.738 aanbieders zonder EU-licentie moesten zich terugtrekken (ESMA-gegevens, FT).<\/li><li style=\"margin:7px 0;\"><b>Volledige marktreguleringswetgeving (9 titels):<\/b> CASP-autorisatie (Titel V), marktmisbruik (VI), stablecoins (III\/IV), ESMA-register (Artikelen 109\/110).<\/li><li style=\"margin:7px 0;\"><b>EU-paspoort<\/b> Vanuit \u00e9\u00e9n enkele goedkeuring door de thuisstaat wordt de keuze van de &quot;thuisstaat&quot; een toezichtsstrategie.<\/li><li style=\"margin:7px 0;\"><b>Kapitaalklassen:<\/b> \u20ac50.000 (Klasse 1), \u20ac125.000 (Klasse 2, +Bewaring\/Beurs), \u20ac150.000 (Klasse 3, Handelsplatform).<\/li><li style=\"margin:7px 0;\"><b>Naleving is een voorwaarde voor de bedrijfsvoering.,<\/b> Geen enkel project: Bestuur, scheiding van bewaring, AML\/CFT, DORA en afwikkeling moeten permanent verifieerbaar zijn.<\/li><\/ul>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-7644b781 elementor-widget elementor-widget-heading\" data-id=\"7644b781\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\"><span class=\"n\">01<\/span> Juridisch kader en tijdschema<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-214ed424 elementor-widget elementor-widget-text-editor\" data-id=\"214ed424\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>MiCA is onderverdeeld in negen titels \u2014 van definities (Titel I) via stablecoins (III\/IV) en CASP-goedkeuring (Titel V) tot marktmisbruik (VI) en toezicht\/registratie (VII). Bedrijfsmodellen worden daarom niet uniform gereguleerd: een spotbroker valt voornamelijk onder Titel V, een EMT-uitgever onder Titel IV.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-815c30f elementor-widget elementor-widget-html\" data-id=\"815c30f\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"html.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<figure style=\"margin:26px 0;\"><div style=\"background:#fff;border:1px solid #E5E7EB;border-radius:8px;padding:20px 18px;\"><svg viewbox=\"0 0 720 150\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" style=\"width:100%;height:auto;font-family:Outfit,sans-serif;\"><defs><marker id=\"ah\" markerwidth=\"9\" markerheight=\"9\" refx=\"6\" refy=\"4.5\" orient=\"auto\"><path d=\"M0 0 L9 4.5 L0 9 z\" fill=\"#B0892F\"\/><\/marker><\/defs><rect x=\"0.0\" y=\"28\" width=\"160.5\" height=\"94\" rx=\"8\" fill=\"#fff\" stroke=\"#1E3A5F\" stroke-width=\"2\"\/><rect x=\"0.0\" y=\"28\" width=\"160.5\" height=\"6\" rx=\"3\" fill=\"#1E3A5F\"\/><text x=\"80.2\" y=\"20\" text-anchor=\"middle\" font-size=\"13\" font-weight=\"800\" fill=\"#1E3A5F\">1<\/text><text x=\"80.2\" y=\"68\" text-anchor=\"middle\" font-size=\"17\" font-weight=\"800\" fill=\"#1E3A5F\">Juni 2023<\/text><text x=\"80.2\" y=\"90\" text-anchor=\"middle\" font-size=\"10.5\" fill=\"#54606e\" font-family=\"Open Sans,sans-serif\">MiCA sluit zich aan<\/text><text x=\"80.2\" y=\"105\" text-anchor=\"middle\" font-size=\"10.5\" fill=\"#54606e\" font-family=\"Open Sans,sans-serif\">van kracht<\/text><path d=\"M164.5 75 L178.5 75\" stroke=\"#B0892F\" stroke-width=\"2.5\" marker-end=\"url(#ah)\"\/><rect x=\"186.5\" y=\"28\" width=\"160.5\" height=\"94\" rx=\"8\" fill=\"#fff\" stroke=\"#2D9CDB\" stroke-width=\"2\"\/><rect x=\"186.5\" y=\"28\" width=\"160.5\" height=\"6\" rx=\"3\" fill=\"#2D9CDB\"\/><text x=\"266.8\" y=\"20\" text-anchor=\"middle\" font-size=\"13\" font-weight=\"800\" fill=\"#2D9CDB\">2<\/text><text x=\"266.8\" y=\"68\" text-anchor=\"middle\" font-size=\"17\" font-weight=\"800\" fill=\"#1E3A5F\">Juni 2024<\/text><text x=\"266.8\" y=\"90\" text-anchor=\"middle\" font-size=\"10.5\" fill=\"#54606e\" font-family=\"Open Sans,sans-serif\">Regels voor stablecoins<\/text><text x=\"266.8\" y=\"105\" text-anchor=\"middle\" font-size=\"10.5\" fill=\"#54606e\" font-family=\"Open Sans,sans-serif\">(ART\/EMT)<\/text><path d=\"M351.0 75 L365.0 75\" stroke=\"#B0892F\" stroke-width=\"2.5\" marker-end=\"url(#ah)\"\/><rect x=\"373.0\" y=\"28\" width=\"160.5\" height=\"94\" rx=\"8\" fill=\"#fff\" stroke=\"#B0892F\" stroke-width=\"2\"\/><rect x=\"373.0\" y=\"28\" width=\"160.5\" height=\"6\" rx=\"3\" fill=\"#B0892F\"\/><text x=\"453.2\" y=\"20\" text-anchor=\"middle\" font-size=\"13\" font-weight=\"800\" fill=\"#B0892F\">3<\/text><text x=\"453.2\" y=\"68\" text-anchor=\"middle\" font-size=\"17\" font-weight=\"800\" fill=\"#1E3A5F\">december 2024<\/text><text x=\"453.2\" y=\"90\" text-anchor=\"middle\" font-size=\"10.5\" fill=\"#54606e\" font-family=\"Open Sans,sans-serif\">CASP-regels<\/text><text x=\"453.2\" y=\"105\" text-anchor=\"middle\" font-size=\"10.5\" fill=\"#54606e\" font-family=\"Open Sans,sans-serif\">toepassen<\/text><path d=\"M537.5 75 L551.5 75\" stroke=\"#B0892F\" stroke-width=\"2.5\" marker-end=\"url(#ah)\"\/><rect x=\"559.5\" y=\"28\" width=\"160.5\" height=\"94\" rx=\"8\" fill=\"#fff\" stroke=\"#1E3A5F\" stroke-width=\"2\"\/><rect x=\"559.5\" y=\"28\" width=\"160.5\" height=\"6\" rx=\"3\" fill=\"#1E3A5F\"\/><text x=\"639.8\" y=\"20\" text-anchor=\"middle\" font-size=\"13\" font-weight=\"800\" fill=\"#1E3A5F\">4<\/text><text x=\"639.8\" y=\"68\" text-anchor=\"middle\" font-size=\"17\" font-weight=\"800\" fill=\"#1E3A5F\">Juli 2026<\/text><text x=\"639.8\" y=\"90\" text-anchor=\"middle\" font-size=\"10.5\" fill=\"#54606e\" font-family=\"Open Sans,sans-serif\">overgangsperiode<\/text><text x=\"639.8\" y=\"105\" text-anchor=\"middle\" font-size=\"10.5\" fill=\"#54606e\" font-family=\"Open Sans,sans-serif\">eindigt<\/text><\/svg><\/div><figcaption><b>Het MiCA-dienstreglement in \u00e9\u00e9n oogopslag.<\/b> Artikel 143 stond CASP&#039;s die al actief waren toe om door te gaan tot de MiCA-uitspraak, maar uiterlijk op 1 juli 2026 \u2014 met landelijk verkorte termijnen.<\/figcaption><\/figure>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-2ae0c822 elementor-widget elementor-widget-text-editor\" data-id=\"2ae0c822\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>Op nationaal niveau is MiCA rechtstreeks van toepassing als EU-verordening, maar vereist aanvullende wetgeving: in Duitsland de Crypto Markets Supervision Act (KMAG) met gecentraliseerd toezicht door de BaFin. Lidstaten hanteerden verschillende overgangsperioden: Duitsland en Ierland 12 maanden, Frankrijk en Itali\u00eb 18 maanden en Nederland slechts 6 maanden. Deze verschillen hadden een aanzienlijke impact op de aanvraagprocedures, marktuitgangen en paspoortstrategie\u00ebn.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-54687424 elementor-widget elementor-widget-heading\" data-id=\"54687424\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\"><span class=\"n\">02<\/span> Marktoverzicht en opruiming<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-73048e4 elementor-widget elementor-widget-text-editor\" data-id=\"73048e4\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>De offici\u00eble bron voor volledigheid is het centrale register van ESMA onder artikel 109 MiCA (aangevuld met het register van niet-conforme aanbieders onder artikel 110). Volgens gegevens van FT\/ESMA waren er op 1 juli 2026 in totaal 244 bedrijven geautoriseerd, terwijl 1.738 aanbieders zonder EU-licentie hun activiteiten moesten staken of op ordelijke wijze moesten afbouwen.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-527ee9af e-con-full e-flex e-con e-child\" data-id=\"527ee9af\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t<div class=\"elementor-element elementor-element-3db62c1e e-con-full e-flex e-con e-child\" data-id=\"3db62c1e\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-7f00f33c elementor-widget elementor-widget-html\" data-id=\"7f00f33c\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"html.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<figure style=\"margin:26px 0;\"><div style=\"background:#fff;border:1px solid #E5E7EB;border-radius:8px;padding:20px 18px;\"><svg viewbox=\"0 0 560 248\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" style=\"width:100%;height:auto;\"><circle cx=\"116\" cy=\"116\" r=\"84\" fill=\"none\" stroke=\"#1E3A5F\" stroke-width=\"34\" stroke-dasharray=\"63.33 464.45\" stroke-dashoffset=\"-0.00\" transform=\"rotate(-90 116 116)\"\/><circle cx=\"116\" cy=\"116\" r=\"84\" fill=\"none\" stroke=\"#2D9CDB\" stroke-width=\"34\" stroke-dasharray=\"464.45 63.33\" stroke-dashoffset=\"-63.33\" transform=\"rotate(-90 116 116)\"\/><text x=\"116\" y=\"112\" text-anchor=\"middle\" font-size=\"30\" font-weight=\"800\" fill=\"#1E3A5F\" font-family=\"Outfit,sans-serif\">12%<\/text><text x=\"116\" y=\"134\" text-anchor=\"middle\" font-size=\"11\" letter-spacing=\"1\" fill=\"#B0892F\" font-family=\"Outfit,sans-serif\">VERGUNNING<\/text><rect x=\"290\" y=\"11\" width=\"13\" height=\"13\" rx=\"2\" fill=\"#1E3A5F\"\/><text x=\"312\" y=\"22\" font-size=\"13.5\" fill=\"#2D3748\" font-family=\"Open Sans,sans-serif\">MiCA goedgekeurd (244)<\/text><text x=\"548\" y=\"22\" font-size=\"13.5\" font-weight=\"700\" text-anchor=\"end\" fill=\"#1E3A5F\" font-family=\"Outfit,sans-serif\">12 %<\/text><rect x=\"290\" y=\"36\" width=\"13\" height=\"13\" rx=\"2\" fill=\"#2D9CDB\"\/><text x=\"312\" y=\"47\" font-size=\"13.5\" fill=\"#2D3748\" font-family=\"Open Sans,sans-serif\">Zonder EU-licentie (1.738)<\/text><text x=\"548\" y=\"47\" font-size=\"13.5\" font-weight=\"700\" text-anchor=\"end\" fill=\"#1E3A5F\" font-family=\"Outfit,sans-serif\">88 %<\/text><\/svg><\/div><figcaption><b>Marktconsolidatie op 1 juli 2026.<\/b> Slechts ongeveer \u00e9\u00e9n op de acht voorheen actieve zorgverleners beschikt over een actieve MiCA-certificering.<\/figcaption><\/figure>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-1e9bb2cb e-con-full e-flex e-con e-child\" data-id=\"1e9bb2cb\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-16fdead9 elementor-widget elementor-widget-html\" data-id=\"16fdead9\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"html.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<figure style=\"margin:26px 0;\"><div style=\"background:#fff;border:1px solid #E5E7EB;border-radius:8px;padding:20px 18px;\"><svg viewbox=\"0 0 720 272\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" style=\"width:100%;height:auto;font-family:Outfit,sans-serif;\"><text x=\"220\" y=\"24.5\" text-anchor=\"end\" font-size=\"13\" font-weight=\"600\" fill=\"#1E3A5F\">Duitsland<\/text><rect x=\"232\" y=\"8\" width=\"424\" height=\"25\" rx=\"4\" fill=\"#EEF3F7\"\/><rect x=\"232\" y=\"8\" width=\"424.0\" height=\"25\" rx=\"4\" fill=\"#1E3A5F\"\/><text x=\"664.0\" y=\"24.5\" font-size=\"13\" font-weight=\"700\" fill=\"#1E3A5F\">4<\/text><text x=\"220\" y=\"57.5\" text-anchor=\"end\" font-size=\"13\" font-weight=\"600\" fill=\"#1E3A5F\">Frankrijk<\/text><rect x=\"232\" y=\"41\" width=\"424\" height=\"25\" rx=\"4\" fill=\"#EEF3F7\"\/><rect x=\"232\" y=\"41\" width=\"424.0\" height=\"25\" rx=\"4\" fill=\"#2D9CDB\"\/><text x=\"664.0\" y=\"57.5\" font-size=\"13\" font-weight=\"700\" fill=\"#1E3A5F\">4<\/text><text x=\"220\" y=\"90.5\" text-anchor=\"end\" font-size=\"13\" font-weight=\"600\" fill=\"#1E3A5F\">Nederland<\/text><rect x=\"232\" y=\"74\" width=\"424\" height=\"25\" rx=\"4\" fill=\"#EEF3F7\"\/><rect x=\"232\" y=\"74\" width=\"424.0\" height=\"25\" rx=\"4\" fill=\"#2D9CDB\"\/><text x=\"664.0\" y=\"90.5\" font-size=\"13\" font-weight=\"700\" fill=\"#1E3A5F\">4<\/text><text x=\"220\" y=\"123.5\" text-anchor=\"end\" font-size=\"13\" font-weight=\"600\" fill=\"#1E3A5F\">Malta<\/text><rect x=\"232\" y=\"107\" width=\"424\" height=\"25\" rx=\"4\" fill=\"#EEF3F7\"\/><rect x=\"232\" y=\"107\" width=\"318.0\" height=\"25\" rx=\"4\" fill=\"#2D9CDB\"\/><text x=\"558.0\" y=\"123.5\" font-size=\"13\" font-weight=\"700\" fill=\"#1E3A5F\">3<\/text><text x=\"220\" y=\"156.5\" text-anchor=\"end\" font-size=\"13\" font-weight=\"600\" fill=\"#1E3A5F\">Oostenrijk<\/text><rect x=\"232\" y=\"140\" width=\"424\" height=\"25\" rx=\"4\" fill=\"#EEF3F7\"\/><rect x=\"232\" y=\"140\" width=\"212.0\" height=\"25\" rx=\"4\" fill=\"#2D9CDB\"\/><text x=\"452.0\" y=\"156.5\" font-size=\"13\" font-weight=\"700\" fill=\"#1E3A5F\">2<\/text><text x=\"220\" y=\"189.5\" text-anchor=\"end\" font-size=\"13\" font-weight=\"600\" fill=\"#1E3A5F\">Ierland<\/text><rect x=\"232\" y=\"173\" width=\"424\" height=\"25\" rx=\"4\" fill=\"#EEF3F7\"\/><rect x=\"232\" y=\"173\" width=\"212.0\" height=\"25\" rx=\"4\" fill=\"#2D9CDB\"\/><text x=\"452.0\" y=\"189.5\" font-size=\"13\" font-weight=\"700\" fill=\"#1E3A5F\">2<\/text><text x=\"220\" y=\"222.5\" text-anchor=\"end\" font-size=\"13\" font-weight=\"600\" fill=\"#1E3A5F\">Luxemburg<\/text><rect x=\"232\" y=\"206\" width=\"424\" height=\"25\" rx=\"4\" fill=\"#EEF3F7\"\/><rect x=\"232\" y=\"206\" width=\"212.0\" height=\"25\" rx=\"4\" fill=\"#2D9CDB\"\/><text x=\"452.0\" y=\"222.5\" font-size=\"13\" font-weight=\"700\" fill=\"#1E3A5F\">2<\/text><text x=\"220\" y=\"255.5\" text-anchor=\"end\" font-size=\"13\" font-weight=\"600\" fill=\"#1E3A5F\">Itali\u00eb<\/text><rect x=\"232\" y=\"239\" width=\"424\" height=\"25\" rx=\"4\" fill=\"#EEF3F7\"\/><rect x=\"232\" y=\"239\" width=\"106.0\" height=\"25\" rx=\"4\" fill=\"#2D9CDB\"\/><text x=\"346.0\" y=\"255.5\" font-size=\"13\" font-weight=\"700\" fill=\"#1E3A5F\">1<\/text><\/svg><\/div><figcaption><b>MiCA-aanbieders per land van verblijf (beknopte selectie).<\/b> Bepaalde \u201ethuisstaten\u201c \u2014 Malta, Luxemburg, Ierland, Frankrijk, Duitsland, Nederland, Oostenrijk \u2014 kregen in 2025\/26 een onevenredig grote betekenis.<\/figcaption><\/figure>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-441c431 elementor-widget elementor-widget-text-editor\" data-id=\"441c431\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>Tot de goedgekeurde partijen behoren niet alleen &quot;crypto-startups&quot;, maar ook brokers en beurzen, pure custodians, banken (Commerzbank, Trade Republic), beursinfrastructuur en uitgevers van stablecoins \u2013 een teken van toenemende institutionalisering.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-1f5fbea7 elementor-widget elementor-widget-heading\" data-id=\"1f5fbea7\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\"><span class=\"n\">03<\/span> Geconsolideerde lijst van aanbieders<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-4aded3b1 elementor-widget elementor-widget-text-editor\" data-id=\"4aded3b1\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>De volgende selectie is betrouwbaar identificeerbaar, maar <b>niet helemaal<\/b>. Wie volledige informatie wenst, dient het ESMA-register (artikel 109) en de nationale registers rechtstreeks te raadplegen. Alle vermeldingen betreffen CASP-autorisaties.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-6dde0d68 wp-table elementor-widget elementor-widget-text-editor\" data-id=\"6dde0d68\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<table class=\"prov\"><thead><tr><th style=\"width:27%\">Aanbieder<\/th><th style=\"width:13%\">land van verblijf<\/th><th style=\"width:12%\">Vergunning<\/th><th style=\"width:48%\">Kernservices<\/th><\/tr><\/thead><tbody><tr><td>OKX Europe Limited<\/td><td style=\"white-space:nowrap;\">Malta<\/td><td style=\"white-space:nowrap;\">27.01.2025<\/td><td>Bewaring, Handel, Beurs, Uitvoering, Plaatsing, RTO, Portfoliomanagement, Overdracht<\/td><\/tr><tr><td>Foris DAX MT Ltd (Crypto.com)<\/td><td style=\"white-space:nowrap;\">Malta<\/td><td style=\"white-space:nowrap;\">27.01.2025<\/td><td>Bewaring, Uitwisseling, Uitvoering, RTO, Overdracht<\/td><\/tr><tr><td>BP23 CA Limited<\/td><td style=\"white-space:nowrap;\">Malta<\/td><td style=\"white-space:nowrap;\">27.01.2025<\/td><td>Bewaring, Uitwisseling, Uitvoering, RTO, Overdracht<\/td><\/tr><tr><td>Coinbase Luxembourg SA.<\/td><td style=\"white-space:nowrap;\">Luxemburg<\/td><td style=\"white-space:nowrap;\">20.06.2025<\/td><td>Bewaring, Uitwisseling, Uitvoering, RTO, Overdracht, Plaatsing<\/td><\/tr><tr><td>Payward Europe Solutions (Kraken)<\/td><td style=\"white-space:nowrap;\">Ierland<\/td><td style=\"white-space:nowrap;\">25.06.2025<\/td><td>Bewaring, uitwisseling, uitvoering, plaatsing, RTO, portefeuillebeheer, overdracht<\/td><\/tr><tr><td>Payward Global Solutions (Kraken)<\/td><td style=\"white-space:nowrap;\">Ierland<\/td><td style=\"white-space:nowrap;\">25.06.2025<\/td><td>Het beheren van een handelsplatform<\/td><\/tr><tr><td>Bitpanda GmbH<\/td><td style=\"white-space:nowrap;\">Oostenrijk<\/td><td style=\"white-space:nowrap;\">09.04.2025<\/td><td>Bewaring, Uitwisseling, Uitvoering, Plaatsing, RTO, Overdracht<\/td><\/tr><tr><td>Bybit EU GmbH<\/td><td style=\"white-space:nowrap;\">Oostenrijk<\/td><td style=\"white-space:nowrap;\">28.05.2025<\/td><td>Bewaring, uitwisseling, uitvoering, plaatsing, overdracht<\/td><\/tr><tr><td>CheckSig Srl.<\/td><td style=\"white-space:nowrap;\">Itali\u00eb<\/td><td style=\"white-space:nowrap;\">07.05.2026<\/td><td>Bewaring, uitwisseling, uitvoering, overdracht<\/td><\/tr><tr><td>Trade Republic Bank GmbH<\/td><td style=\"white-space:nowrap;\">Duitsland<\/td><td style=\"white-space:nowrap;\">28.04.2025<\/td><td>Bewaring, Executie, RTO, Overdracht<\/td><\/tr><tr><td>Commerzbank AG<\/td><td style=\"white-space:nowrap;\">Duitsland<\/td><td style=\"white-space:nowrap;\">07.04.2025<\/td><td>Bewaring, overdracht<\/td><\/tr><tr><td>BitGo Europe GmbH<\/td><td style=\"white-space:nowrap;\">Duitsland<\/td><td style=\"white-space:nowrap;\">09.05.2025<\/td><td>Bewaring, Uitwisseling, Uitvoering, RTO, Overdracht<\/td><\/tr><tr><td>Tangany GmbH<\/td><td style=\"white-space:nowrap;\">Duitsland<\/td><td style=\"white-space:nowrap;\">08.08.2025<\/td><td>Bewaring, overdracht<\/td><\/tr><tr><td>Bitvavo BV.<\/td><td style=\"white-space:nowrap;\">Nederland<\/td><td style=\"white-space:nowrap;\">26.06.2025<\/td><td>Bewaring, Handel, Overdracht<\/td><\/tr><tr><td>BTC Direct Europe BV.<\/td><td style=\"white-space:nowrap;\">Nederland<\/td><td style=\"white-space:nowrap;\">18.06.2025<\/td><td>Ruilen, overmaken<\/td><\/tr><tr><td>Change Securities BV.<\/td><td style=\"white-space:nowrap;\">Nederland<\/td><td style=\"white-space:nowrap;\">20.04.2026<\/td><td>Bewaring, uitwisseling, uitvoering<\/td><\/tr><tr><td>Hidden Road Partners CIV NL<\/td><td style=\"white-space:nowrap;\">Nederland<\/td><td style=\"white-space:nowrap;\">30.12.2024<\/td><td>Uitwisseling, Uitvoering<\/td><\/tr><tr><td>PAYMIUM SAS<\/td><td style=\"white-space:nowrap;\">Frankrijk<\/td><td style=\"white-space:nowrap;\">22.06.2026<\/td><td>Bewaring, handel, uitwisseling, uitvoering, overdracht<\/td><\/tr><tr><td>MERIA SAS<\/td><td style=\"white-space:nowrap;\">Frankrijk<\/td><td style=\"white-space:nowrap;\">22.06.2026<\/td><td>Bewaring, uitwisseling, uitvoering, advies, portefeuillebeheer, overdracht<\/td><\/tr><tr><td>Banque Delubac et Cie<\/td><td style=\"white-space:nowrap;\">Frankrijk<\/td><td style=\"white-space:nowrap;\">23.10.2025<\/td><td>Bewaring, uitwisseling, uitvoering, advies, portefeuillebeheer, overdracht<\/td><\/tr><tr><td>Soci\u00e9t\u00e9 G\u00e9n\u00e9rale \u2013 Forge<\/td><td style=\"white-space:nowrap;\">Frankrijk<\/td><td style=\"white-space:nowrap;\">23.10.2025<\/td><td>Bewaring, overdracht<\/td><\/tr><tr><td>STOKR SA.<\/td><td style=\"white-space:nowrap;\">Luxemburg<\/td><td style=\"white-space:nowrap;\">22.06.2026<\/td><td>Bewaring, overdracht<\/td><\/tr><\/tbody><\/table>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-3882575f elementor-widget elementor-widget-heading\" data-id=\"3882575f\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h3 class=\"elementor-heading-title elementor-size-default\">Relevante EMT-uitgevers<\/h3>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-5cefad5 wp-table elementor-widget elementor-widget-text-editor\" data-id=\"5cefad5\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<table class=\"prov\"><thead><tr><th style=\"width:27%\">Uitgever<\/th><th style=\"width:13%\">land van verblijf<\/th><th style=\"width:12%\">Datum<\/th><th style=\"width:48%\">opmerking<\/th><\/tr><\/thead><tbody><tr><td>Circle Internet Financial Europe SAS<\/td><td style=\"white-space:nowrap;\">Frankrijk<\/td><td style=\"white-space:nowrap;\">01.07.2024<\/td><td>EMI-licentie verleend door de ACPR; uitgegeven in overeenstemming met USDC &amp; EURC MiCA.<\/td><\/tr><tr><td>Soci\u00e9t\u00e9 G\u00e9n\u00e9rale \u2013 Forge<\/td><td style=\"white-space:nowrap;\">Frankrijk<\/td><td style=\"white-space:nowrap;\">01.07.2024<\/td><td>EMI-gebaseerde EMT-casus (ACPR)<\/td><\/tr><tr><td>Banking Circle SA.<\/td><td style=\"white-space:nowrap;\">Luxemburg<\/td><td style=\"white-space:nowrap;\">29.10.2019<\/td><td>Kredietinstelling-gebaseerd; EURI<\/td><\/tr><\/tbody><\/table>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-55b5045a e-con-full e-flex e-con e-child\" data-id=\"55b5045a\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-db4e0c5 elementor-widget elementor-widget-image\" data-id=\"db4e0c5\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"image.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<img loading=\"lazy\" decoding=\"async\" width=\"1200\" height=\"685\" src=\"https:\/\/finanz-forensik.de\/wp-content\/uploads\/2026\/07\/mica-spot.jpg\" class=\"attachment-full size-full wp-image-2681\" alt=\"Het Bitcoin-symbool in het midden, omringd door gloeiende sterrenpictogrammen op een donkere, futuristische achtergrond.\" srcset=\"https:\/\/finanz-forensik.de\/wp-content\/uploads\/2026\/07\/mica-spot.jpg 1200w, https:\/\/finanz-forensik.de\/wp-content\/uploads\/2026\/07\/mica-spot-300x171.jpg 300w, https:\/\/finanz-forensik.de\/wp-content\/uploads\/2026\/07\/mica-spot-1024x585.jpg 1024w, https:\/\/finanz-forensik.de\/wp-content\/uploads\/2026\/07\/mica-spot-768x438.jpg 768w, https:\/\/finanz-forensik.de\/wp-content\/uploads\/2026\/07\/mica-spot-18x10.jpg 18w\" sizes=\"auto, (max-width: 1200px) 100vw, 1200px\" \/>\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-12a077b1 elementor-widget elementor-widget-html\" data-id=\"12a077b1\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"html.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<p style=\"font-size:13.5px;color:#7a8696;line-height:1.5;border-top:1px solid #E5E7EB;padding-top:8px;margin:-6px 0 18px;\"><b style=\"color:#1E3A5F;\">Van lappendeken naar een uniforme marktstandaard.<\/b> MiCA combineert vergunningverlening, doorlopend toezicht en registratie in een geharmoniseerd kader \u2013 de vergunning wordt zo een betrouwbaar verificatiecriterium.<\/p>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-44729579 elementor-widget elementor-widget-heading\" data-id=\"44729579\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\"><span class=\"n\">04<\/span> Bedrijfsmodellen en naleving van regelgeving<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-372d559c elementor-widget elementor-widget-text-editor\" data-id=\"372d559c\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>MiCA maakt functioneel onderscheid tussen CASP&#039;s: autorisatie (artikelen 59-65), doorlopende verplichtingen (66-74) en specifieke activiteiten (75-82). De kapitaalvereiste is opgenomen in bijlage IV.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-7924fa82 elementor-widget elementor-widget-html\" data-id=\"7924fa82\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"html.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<figure style=\"margin:26px 0;\"><div style=\"background:#fff;border:1px solid #E5E7EB;border-radius:8px;padding:20px 18px;\"><svg viewbox=\"0 0 720 107\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" style=\"width:100%;height:auto;font-family:Outfit,sans-serif;\"><text x=\"220\" y=\"24.5\" text-anchor=\"end\" font-size=\"13\" font-weight=\"600\" fill=\"#1E3A5F\">Klasse 3 \u00b7 Handelsplatform<\/text><rect x=\"232\" y=\"8\" width=\"424\" height=\"25\" rx=\"4\" fill=\"#EEF3F7\"\/><rect x=\"232\" y=\"8\" width=\"424.0\" height=\"25\" rx=\"4\" fill=\"#1E3A5F\"\/><text x=\"664.0\" y=\"24.5\" font-size=\"13\" font-weight=\"700\" fill=\"#1E3A5F\">150<\/text><text x=\"220\" y=\"57.5\" text-anchor=\"end\" font-size=\"13\" font-weight=\"600\" fill=\"#1E3A5F\">Klasse 2 \u00b7 +Bewaring\/Ruil<\/text><rect x=\"232\" y=\"41\" width=\"424\" height=\"25\" rx=\"4\" fill=\"#EEF3F7\"\/><rect x=\"232\" y=\"41\" width=\"353.3\" height=\"25\" rx=\"4\" fill=\"#2D9CDB\"\/><text x=\"593.3\" y=\"57.5\" font-size=\"13\" font-weight=\"700\" fill=\"#1E3A5F\">125<\/text><text x=\"220\" y=\"90.5\" text-anchor=\"end\" font-size=\"13\" font-weight=\"600\" fill=\"#1E3A5F\">Klasse 1 \u00b7 Consultancy\/RTO\/Executive<\/text><rect x=\"232\" y=\"74\" width=\"424\" height=\"25\" rx=\"4\" fill=\"#EEF3F7\"\/><rect x=\"232\" y=\"74\" width=\"141.3\" height=\"25\" rx=\"4\" fill=\"#2D9CDB\"\/><text x=\"381.3\" y=\"90.5\" font-size=\"13\" font-weight=\"700\" fill=\"#1E3A5F\">50<\/text><\/svg><\/div><figcaption><b>Minimum eigen vermogen per CASP-klasse (in duizenden euro&#039;s, bijlage IV).<\/b> Klasse 1: Advisering, portefeuillebeheer, RTO, uitvoering, plaatsing, overdrachten \u00b7 Klasse 2: tevens bewaring\/uitwisseling \u00b7 Klasse 3: Exploitatie van een handelsplatform.<\/figcaption><\/figure>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-7b009105 wp-table elementor-widget elementor-widget-text-editor\" data-id=\"7b009105\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<table class=\"matrix\"><thead><tr><th style=\"width:19%\">Bedrijfsmodel<\/th><th style=\"width:16%\">MiCA-categorie\u00ebn<\/th><th style=\"width:34%\">Belangrijkste taken<\/th><th style=\"width:31%\">Prioriteiten op het gebied van naleving<\/th><\/tr><\/thead><tbody><tr><td>Centrale beurs zonder bewaarneming<\/td><td>Artikelen 76\u201378, 80<\/td><td>Licenties, marktintegriteit, kosten-\/risicotransparantie, governance, conflicthantering<\/td><td>Optimale uitvoering, markttoezicht, handelsregels, governance van tokennoteringen<\/td><\/tr><tr><td>Centrale beurs met bewaarneming<\/td><td>Artikelen 75\u201378<\/td><td>Daarnaast gelden er strikte bewaarplichten, scheidingsverplichtingen en controle over de activa van de klant.<\/td><td>Sleutelbeheer, segregatie, insolventiebestendigheid, afstemming, uitbesteding<\/td><\/tr><tr><td>Reiner Bewaarder \/ Portemonnee<\/td><td>Artikel 75<\/td><td>Bewaring en beheer, vrijgave\/overdraagbaarheid, controlesystemen<\/td><td>Koude\/warme opslag, herstel, toegangsrechten, audit trails, due diligence bij derden<\/td><\/tr><tr><td>Makelaar \/ Fiat op-\/afrit<\/td><td>Artikelen 77, 78, 80, gedeeltelijk 82<\/td><td>Orderuitvoering, klantgegevens, kasstromen, klachten, belangenconflicten<\/td><td>Betalingstransacties, schatkist, slippagecontrole, AML\/KYC, reisregel<\/td><\/tr><tr><td>Advies \/ Portfoliomanagement<\/td><td>Artikel 81<\/td><td>Geschiktheid, belangenconflicten, documentatie, governance<\/td><td>Productbeheer, klantclassificatie, geschiktheid, onderzoekscontrole<\/td><\/tr><tr><td>EMT-uitgever<\/td><td>Titel IV, artikelen 48-58<\/td><td>EMI\/kredietinstellingstatus, whitepaper, terugkeer naar nominale waarde, renteverbod, terugvordering\/aflossing<\/td><td>Reserve-\/waarborgstructuur, dagelijkse liquiditeit, aflossing, governance volgens whitepaper<\/td><\/tr><tr><td>ART-uitgever<\/td><td>Titel III, artikelen 16\u201347<\/td><td>Autorisatie, goedkeuring van het whitepaper, governance, reserveactiva, inlossing, rapportage<\/td><td>Vermogensreservebeheer, selectie van bewaarders, waarderings-\/crisisplannen, materialiteitstoetsen van de EBA<\/td><\/tr><\/tbody><\/table>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-21b56fa elementor-widget elementor-widget-text-editor\" data-id=\"21b56fa\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>In alle modellen gelden vergelijkbare kernverplichtingen: eerlijk handelen in het belang van de klant, zorgvuldigheid, goed bestuur, bescherming van klantactiva, klachten- en conflictbeheer, controle op uitbesteding en een geloofwaardig afbouwplan. <b>AML\/CFT<\/b> Het is niet volledig &quot;ingebouwd&quot;, maar onlosmakelijk verbonden: de MiCA-goedkeuring vervangt noch de AML-verplichtingen, noch de regels voor geldovermakingen. Een tweede gemeenschappelijke factor is <b>technische veerkracht<\/b> (DORA, IKS, BCM, incidentafhandeling): Bewarings- en uitwisselingsmodellen falen minder vaak door licentieproblemen dan door de langdurige werking van deze architectuur.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-628419b1 elementor-widget elementor-widget-heading\" data-id=\"628419b1\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\"><span class=\"n\">05<\/span> Toezicht en sancties<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-46a183fb elementor-widget elementor-widget-text-editor\" data-id=\"46a183fb\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>MiCA harmoniseert de basisverplichtingen, maar laat flexibiliteit toe in procedures en de zwaarte van sancties. Voor rechtspersonen vereist MiCA boetes van ten minste \u20ac 5 miljoen of driemaal hun omzet voor bepaalde overtredingen; voor marktmisbruik ten minste \u20ac 15 miljoen of vijftienmaal hun omzet. Lidstaten kunnen verder gaan en strafrechtelijke sancties opleggen.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-3cf1143a wp-table elementor-widget elementor-widget-text-editor\" data-id=\"3cf1143a\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<table class=\"matrix\"><thead><tr><th style=\"width:14%\">jurisdictie<\/th><th style=\"width:20%\">autoriteiten<\/th><th style=\"width:9%\">termijn<\/th><th style=\"width:29%\">procedurele stijl<\/th><th style=\"width:28%\">Sancties \/ Handhaving<\/th><\/tr><\/thead><tbody><tr><td>Duitsland<\/td><td>BaFin (+ Bundesbank in sommige gebieden)<\/td><td>12 maanden<\/td><td>gecentraliseerd, geformaliseerd; MiCAR-factsheets; volledigheidscontrole met deadline voor vervolgverzoeken<\/td><td>KMAG: Straf- en geldboetebepalingen; gevangenisstraf tot 5 jaar.<\/td><\/tr><tr><td>Frankrijk<\/td><td>AMF (CASP) \u00b7 ACPR (EMI\/Bank)<\/td><td>18 maanden<\/td><td>dubbel model; focus op applicatiedocumentatie en statusaanduiding.<\/td><td>AMF\/ACPR-sanctiearchitectuur + MiCA-minimumnormen<\/td><\/tr><tr><td>Itali\u00eb<\/td><td>Consob \u00b7 Banca d&#039;Italia<\/td><td>18 maanden<\/td><td>dubbel model; Consob onderzoekt de kwestie in overleg met de Italiaanse centrale bank in afwachting van een verklaring.<\/td><td>Wetgevingsbesluit 129\/2024 regelt de toezichts- en interventiebevoegdheden.<\/td><\/tr><tr><td>Nederland<\/td><td>AFM (+ DNB in sommige gevallen)<\/td><td>6 maanden<\/td><td>vroeg, verkort; register- en handhavingsgericht<\/td><td>Betrokkenheid bij onderzoeken naar economische criminaliteit; actieve handhaving tegen personen zonder vergunning.<\/td><\/tr><\/tbody><\/table>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-3b661044 elementor-widget elementor-widget-text-editor\" data-id=\"3b661044\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>De verschillen zijn minder inhoudelijk dan institutioneel: Duitsland is meer gericht op banktoezicht en procedurele formaliteiten, Frankrijk en Itali\u00eb hebben een sterker duaal systeem en Nederland heeft de transitie bijzonder kort gehouden. Voor aanbieders is de keuze van de vestigingsstaat daarom ook een factor die hun toezichtsstrategie be\u00efnvloedt.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-25720389 elementor-widget elementor-widget-heading\" data-id=\"25720389\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\"><span class=\"n\">06<\/span> Risico&#039;s en uitdagingen<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-3d8fb762 elementor-widget elementor-widget-text-editor\" data-id=\"3d8fb762\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<ul style=\"padding-left:20px;\"><li style=\"margin:8px 0;\"><b>Bewaring en sleutelbeveiliging:<\/b> Juridisch verantwoorde scheiding, afstemming, segregatie en gecontroleerde toeleveringsketens van derden \u2013 niet alleen IT-beveiliging.<\/li><li style=\"margin:8px 0;\"><b>Meerdere regelgevingen:<\/b> MiCA is slechts \u00e9\u00e9n laag \u2014 het omvat ook AML\/CFT, TFR, DORA, consumentenbescherming en in sommige gevallen MiFID\/MiFIR, evenals EMI-\/bankwetgeving. De inspanning neemt systematisch toe, vooral bij hybride modellen.<\/li><li style=\"margin:8px 0;\"><b>Bewijs van inspecties:<\/b> De toezichthoudende instantie beoordeelt gedocumenteerde processen, zoals toegangscontroles, sleutelceremonies, notulen van de raad van bestuur, herstel-\/terugbetalingsplannen en trainingsverslagen.<\/li><li style=\"margin:8px 0;\"><b>Grensoverschrijdend restprobleem:<\/b> Ondanks de verschillen in paspoortverlening, toezichtstijl, inhoudelijke verwachtingen en sanctieregimes, is er ruimte voor regelgevingsarbitrage.<\/li><\/ul>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-22dd75 elementor-widget elementor-widget-heading\" data-id=\"22dd75\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\"><span class=\"n\">07<\/span> Aanbevelingen en checklists<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-ebc2c20 elementor-widget elementor-widget-text-editor\" data-id=\"ebc2c20\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>De belangrijkste strategische fout is het behandelen van MiCA als een eenmalig regelgevingsproject. Het knelpunt zit hem in het huidige regelgevingskader. Heuristiek: <b>Eerst het bedrijfsmodel, dan de vergunning.<\/b><\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-618ffabb e-con-full e-flex e-con e-child\" data-id=\"618ffabb\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t<div class=\"elementor-element elementor-element-3d82a3e4 e-con-full e-flex e-con e-child\" data-id=\"3d82a3e4\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t<div class=\"elementor-element elementor-element-596acfb3 e-con-full e-flex e-con e-child\" data-id=\"596acfb3\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t<div class=\"elementor-element elementor-element-72e8c4c elementor-widget elementor-widget-text-editor\" data-id=\"72e8c4c\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>Compliancechecklist voor aanbieders<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-6207a32f elementor-widget elementor-widget-text-editor\" data-id=\"6207a32f\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<ul style=\"list-style:none;margin:0;padding:0;\"><li style=\"position:relative;padding-left:24px;margin:9px 0;font-size:14.5px;line-height:1.5;\"><span style=\"position:absolute;left:2px;top:.55em;width:9px;height:9px;border:2px solid #B0892F;border-radius:3px;display:inline-block;\"><\/span><b>Licentiebereik voor kaarten:<\/b> Welke MiCA-diensten voor welke rechtspersoon, met welk paspoortdoel?.<\/li><li style=\"position:relative;padding-left:24px;margin:9px 0;font-size:14.5px;line-height:1.5;\"><span style=\"position:absolute;left:2px;top:.55em;width:9px;height:9px;border:2px solid #B0892F;border-radius:3px;display:inline-block;\"><\/span><b>Keuze kapitaal\/klasse:<\/b> Klasse 1\/2\/3 volgens bijlage IV; voor EMT\/ART aanvullend reserve- en aflossingsmechanisme.<\/li><li style=\"position:relative;padding-left:24px;margin:9px 0;font-size:14.5px;line-height:1.5;\"><span style=\"position:absolute;left:2px;top:.55em;width:9px;height:9px;border:2px solid #B0892F;border-radius:3px;display:inline-block;\"><\/span><b>Documentbeheer:<\/b> Verantwoordelijkheden, geschiktheid en betrouwbaarheid, conflict- en klachtenafhandeling, controlefuncties.<\/li><li style=\"position:relative;padding-left:24px;margin:9px 0;font-size:14.5px;line-height:1.5;\"><span style=\"position:absolute;left:2px;top:.55em;width:9px;height:9px;border:2px solid #B0892F;border-radius:3px;display:inline-block;\"><\/span><b>Aantoonbare controlemaatregelen:<\/b> Scheiding, afstemming, sleutelbeheer, herstel, toegang in geval van nood, beheerders door derden.<\/li><li style=\"position:relative;padding-left:24px;margin:9px 0;font-size:14.5px;line-height:1.5;\"><span style=\"position:absolute;left:2px;top:.55em;width:9px;height:9px;border:2px solid #B0892F;border-radius:3px;display:inline-block;\"><\/span><b>Outsourcing onder de knie krijgen:<\/b> Essenti\u00eble zorgverleners, exitrechten, DORA\/BCM-referenties.<\/li><li style=\"position:relative;padding-left:24px;margin:9px 0;font-size:14.5px;line-height:1.5;\"><span style=\"position:absolute;left:2px;top:.55em;width:9px;height:9px;border:2px solid #B0892F;border-radius:3px;display:inline-block;\"><\/span><b>Integreer AML\/CFT:<\/b> KYC\/CDD, screening, monitoring, STR-proces, training, archivering, reisregel.<\/li><li style=\"position:relative;padding-left:24px;margin:9px 0;font-size:14.5px;line-height:1.5;\"><span style=\"position:absolute;left:2px;top:.55em;width:9px;height:9px;border:2px solid #B0892F;border-radius:3px;display:inline-block;\"><\/span><b>Tokenbeheer:<\/b> Noteringscriteria, beoordeling van whitepapers, naleving van stablecoin-regelgeving, monitoring van marktmisbruik.<\/li><li style=\"position:relative;padding-left:24px;margin:9px 0;font-size:14.5px;line-height:1.5;\"><span style=\"position:absolute;left:2px;top:.55em;width:9px;height:9px;border:2px solid #B0892F;border-radius:3px;display:inline-block;\"><\/span><b>Afbouwplan:<\/b> Klantcommunicatie, teruggave van activa, liquidatie van posities, gegevensopslag, be\u00ebindiging van outsourcing.<\/li><\/ul>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-198bf082 e-con-full e-flex e-con e-child\" data-id=\"198bf082\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t<div class=\"elementor-element elementor-element-596800e7 e-con-full e-flex e-con e-child\" data-id=\"596800e7\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t<div class=\"elementor-element elementor-element-2dd5e870 elementor-widget elementor-widget-text-editor\" data-id=\"2dd5e870\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>Checklist voor due diligence voor investeerders<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-2ea8d9ad elementor-widget elementor-widget-text-editor\" data-id=\"2ea8d9ad\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<ul style=\"list-style:none;margin:0;padding:0;\"><li style=\"position:relative;padding-left:24px;margin:9px 0;font-size:14.5px;line-height:1.5;\"><span style=\"position:absolute;left:2px;top:.55em;width:9px;height:9px;border:2px solid #B0892F;border-radius:3px;display:inline-block;\"><\/span><b>Controlelijst:<\/b> Is er een actieve MiCA-autorisatie geregistreerd bij ESMA of in het nationale register?<\/li><li style=\"position:relative;padding-left:24px;margin:9px 0;font-size:14.5px;line-height:1.5;\"><span style=\"position:absolute;left:2px;top:.55em;width:9px;height:9px;border:2px solid #B0892F;border-radius:3px;display:inline-block;\"><\/span><b>Controleer de rechtsvorm:<\/b> Het merk is niet hetzelfde als het gelicentieerde EU-bedrijf (Kraken\/Circle gebruiken meerdere eenheden).<\/li><li style=\"position:relative;padding-left:24px;margin:9px 0;font-size:14.5px;line-height:1.5;\"><span style=\"position:absolute;left:2px;top:.55em;width:9px;height:9px;border:2px solid #B0892F;border-radius:3px;display:inline-block;\"><\/span><b>Controleer de reikwijdte van de licentie:<\/b> Alleen beheer \u2014 of ook platform, uitvoering, advies en portefeuillebeheer?<\/li><li style=\"position:relative;padding-left:24px;margin:9px 0;font-size:14.5px;line-height:1.5;\"><span style=\"position:absolute;left:2px;top:.55em;width:9px;height:9px;border:2px solid #B0892F;border-radius:3px;display:inline-block;\"><\/span><b>Mechanisme voor klantbescherming:<\/b> Afsplitsing, inlossingsrechten, beroepsprocedure, verzekering, bewijs van reserves, liquidatie.<\/li><li style=\"position:relative;padding-left:24px;margin:9px 0;font-size:14.5px;line-height:1.5;\"><span style=\"position:absolute;left:2px;top:.55em;width:9px;height:9px;border:2px solid #B0892F;border-radius:3px;display:inline-block;\"><\/span><b>Blootstelling aan stablecoins:<\/b> MiCA-conforme EMT&#039;s\/ART&#039;s of tokens uit derde landen met een beperkte juridische status?<\/li><li style=\"position:relative;padding-left:24px;margin:9px 0;font-size:14.5px;line-height:1.5;\"><span style=\"position:absolute;left:2px;top:.55em;width:9px;height:9px;border:2px solid #B0892F;border-radius:3px;display:inline-block;\"><\/span><b>Evalueer de toezichthoudende bevoegdheid:<\/b> De thuisstaat, de regelgevende instanties en het sanctieklimaat bepalen de daadwerkelijke kwaliteit van het toezicht.<\/li><\/ul>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-6f241243 elementor-widget elementor-widget-heading\" data-id=\"6f241243\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\"><span class=\"n\">08<\/span> Casestudies<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-21fec8ac elementor-widget elementor-widget-text-editor\" data-id=\"21fec8ac\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<ul style=\"list-style:none;padding:0;\"><li style=\"margin:12px 0;font-size:15px;line-height:1.6;\"><b>Bitpanda GmbH (AT):<\/b> Breed broker-\/custody-model; FMA-goedkeuring conform artikel 63 MiCA (10.04.2025) met een volledig servicepakket. Toont aan: MiCA onderzoekt voornamelijk de volwassenheid van governance en controle in multiservice-modellen.<\/li><li style=\"margin:12px 0;font-size:15px;line-height:1.6;\"><b>Kraken (IE):<\/b> Functionele onderverdeling binnen een groep: Payward Europe Solutions beheert de brede CASP-licentie, Payward Global Solutions beheert het platform \u2013 een modulaire licentiearchitectuur plus MiFID\/E-Money-componenten.<\/li><li style=\"margin:12px 0;font-size:15px;line-height:1.6;\"><b>CheckSig (IT):<\/b> Itali\u00eb&#039;s eerste geautoriseerde CASP (Consob, 7 mei 2026). Handel + Bewaring + Institutionele Diensten, met de nadruk op bewijs van reserves en segregatie \u2014 Itali\u00eb had eind juni 2026 slechts negen actoren geregistreerd (selectief).<\/li><li style=\"margin:12px 0;font-size:15px;line-height:1.6;\"><b>Cirkel (FR):<\/b> De belangrijkste EMT-casus is de EMI-licentie van de ACPR (1 juli 2024), die voldoet aan de USDC- en EURC MiCA-normen. EMT&#039;s worden gekenmerkt door hun juridische status, inwisseling tegen pari en reserve- en waarborgstructuur.<\/li><li style=\"margin:12px 0;font-size:15px;line-height:1.6;\"><b>Bitvavo (NL):<\/b> Vroegtijdige gedwongen marktsanering: CASP-goedkeuring op 26 juni 2025 met slechts een overgangsperiode van 6 maanden in Nederland \u2014 licentieverlening of marktverlating vond hier wel erg vroeg plaats.<\/li><\/ul>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-15b92f8b elementor-widget elementor-widget-heading\" data-id=\"15b92f8b\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\"><span class=\"n\">09<\/span> Classificatie door middel van financi\u00eble forensische analyse<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-23922c87 elementor-widget elementor-widget-html\" data-id=\"23922c87\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"html.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<div style=\"background:linear-gradient(135deg,#15314e,#0F2942);color:#dCEAf5;border-radius:14px;padding:28px 30px;margin:24px 0;\"><div style=\"font-family:Outfit,sans-serif;font-weight:800;font-size:12px;letter-spacing:.16em;text-transform:uppercase;color:#56CCF2;margin-bottom:10px;\">Deskundig commentaar<\/div><p style=\"margin:8px 0;font-size:15.5px;line-height:1.6;\"><b style=\"color:#fff;\">De MiCA-licentie is een essentieel criterium voor due diligence.<\/b> Het onderscheid tussen MiCA-gelicentieerd, nationaal geregistreerd en niet-gereguleerd bepaalt de juridische positie en de verhaalsmogelijkheden in geval van een claim.<\/p><p style=\"margin:8px 0;font-size:15.5px;line-height:1.6;\"><b style=\"color:#fff;\">Voor gecertificeerde CASP&#039;s gelden afzondering, klachtenprocedures en toezicht.<\/b> Vermogensbescherming en informatieverzoeken zijn realistischer dan bij niet-gereguleerde offshore-aanbieders.<\/p><p style=\"margin:8px 0;font-size:15.5px;line-height:1.6;\"><b style=\"color:#fff;\">Merk \u2260 gelicentieerde entiteit.<\/b> Kraken en Circle maken gebruik van meerdere EU-bedrijven \u2014 voor levering, bevriezing en inbeslagname is de exacte juridische entiteit van belang.<\/p><p style=\"margin:8px 0;font-size:15.5px;line-height:1.6;\"><b style=\"color:#fff;\">De afrit met gereguleerde CASP is het meest concrete referentiepunt.<\/b> voor samenwerking met autoriteiten, gegevens over reisregels en vermogensbescherming.<\/p><\/div>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-734afc50 elementor-widget elementor-widget-html\" data-id=\"734afc50\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"html.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<div style=\"margin-top:40px;border-top:1px solid #E5E7EB;padding-top:24px;\"><div style=\"font-family:Outfit,sans-serif;font-weight:800;font-size:12px;letter-spacing:.18em;text-transform:uppercase;color:#B0892F;margin-bottom:14px;\">Bronnenbasis<\/div><div style=\"font-size:13.5px;line-height:1.6;color:#54606e;margin-bottom:12px;\"><b style=\"display:block;font-family:Outfit;font-size:11px;letter-spacing:.12em;text-transform:uppercase;color:#1E3A5F;margin-bottom:3px;\">EU \/ ESMA (Primair)<\/b>Volledige tekst van MiCA (EUR-Lex-verordening 2023\/1114) \u00b7 Interactief ESMA-regelboek \u00b7 ESMA-register art. 109\/110 \u00b7 ESMA-lijst van nationale overgangsperioden (art. 143).<\/div><div style=\"font-size:13.5px;line-height:1.6;color:#54606e;margin-bottom:12px;\"><b style=\"display:block;font-family:Outfit;font-size:11px;letter-spacing:.12em;text-transform:uppercase;color:#1E3A5F;margin-bottom:3px;\">Nationaal toezicht<\/b>BaFin \/ KMAG \u00b7 AMF &amp; ACPR (FR) \u00b7 Consob &amp; Banca d&#039;Italia (IT) \u00b7 AFM &amp; DNB (NL) \u00b7 CSSF (LU) \u00b7 Central Bank of Ireland \u00b7 FMA Austria.<\/div><div style=\"font-size:13.5px;line-height:1.6;color:#54606e;\"><b style=\"display:block;font-family:Outfit;font-size:11px;letter-spacing:.12em;text-transform:uppercase;color:#1E3A5F;margin-bottom:3px;\">Aanbieder &amp; Secundair<\/b>Bedrijfsmededelingen (Circle, Kraken, CheckSig, Bitpanda) \u00b7 Financial Times (ESMA-cijfers) \u00b7 EU Crypto Register (Registerspiegeling, alleen met verwijzing naar de primaire bron).<\/div><p style=\"font-size:12px;color:#9aa6b3;margin-top:6px;line-height:1.6;\">De selectie is niet uitputtend; het huidige ESMA-register (artikel 109) en nationale registers zijn gezaghebbend. Verwijzingen naar secundaire registers worden alleen opgenomen na plausibiliteitscontrole aan de hand van primaire bronnen. Status: 1 juli 2026.<\/p><\/div>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-45a44650 e-con-full e-flex e-con e-child\" data-id=\"45a44650\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t<div class=\"elementor-element elementor-element-75c5933b e-con-full e-flex e-con e-child\" data-id=\"75c5933b\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-6df91fd4 elementor-widget elementor-widget-image\" data-id=\"6df91fd4\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"image.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<img loading=\"lazy\" decoding=\"async\" width=\"150\" height=\"150\" src=\"https:\/\/finanz-forensik.de\/wp-content\/uploads\/2026\/06\/david-1-150x150.jpg\" class=\"attachment-thumbnail size-thumbnail wp-image-2403\" alt=\"Professionele portretfoto van een volwassen man in een donkere blazer en een wit overhemd met patroon, die in de camera kijkt.\" srcset=\"https:\/\/finanz-forensik.de\/wp-content\/uploads\/2026\/06\/david-1-150x150.jpg 150w, https:\/\/finanz-forensik.de\/wp-content\/uploads\/2026\/06\/david-1-300x300.jpg 300w, https:\/\/finanz-forensik.de\/wp-content\/uploads\/2026\/06\/david-1-12x12.jpg 12w, https:\/\/finanz-forensik.de\/wp-content\/uploads\/2026\/06\/david-1.jpg 400w\" sizes=\"auto, (max-width: 150px) 100vw, 150px\" \/>\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-48293ca8 e-con-full e-flex e-con e-child\" data-id=\"48293ca8\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-29be028d elementor-widget elementor-widget-text-editor\" data-id=\"29be028d\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>David L\u00fcdtke<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-2190db24 elementor-widget elementor-widget-text-editor\" data-id=\"2190db24\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>Algemeen directeur \u00b7 OSINT-analist &amp; cryptoforensisch expert \u00b7 Financial Forensics GmbH<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-5d257b33 elementor-widget elementor-widget-text-editor\" data-id=\"5d257b33\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>Rechtbankwaardige analyse van cryptotransacties, OSINT-gebaseerd onderzoek naar activa en deskundigenrapporten voor advocaten, curatoren en bedrijven. Gecertificeerd Crystal Expert (CECF, CEEI, CEUI). <b>Financi\u00eble forensische analyse<\/b> Biedt ondersteuning aan advocatenkantoren, bedrijven, onderzoeksinstanties en curatoren \u2014 focusgebieden: blockchainforensisch onderzoek, walletanalyse, voor de rechtbank toelaatbare documentatie, OSINT.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-757024a4 elementor-widget elementor-widget-text-editor\" data-id=\"757024a4\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p><b>Contact:<\/b>\u00a0<a href=\"mailto:postfach@finanz-forensik.de\">postfach@finanz-forensik.de<\/a> +49 6057 772 994 86\u00a0<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-712dd71a e-flex e-con-boxed e-con e-parent\" data-id=\"712dd71a\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;gradient&quot;}\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t<div class=\"elementor-element elementor-element-539bb1d1 e-con-full e-flex e-con e-child\" data-id=\"539bb1d1\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-270da3f1 elementor-widget elementor-widget-heading\" data-id=\"270da3f1\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">Leveranciersaudit of cryptoherstel?<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-65161a17 elementor-widget elementor-widget-text-editor\" data-id=\"65161a17\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p style=\"color:#cdddea;font-size:16px;line-height:1.6;\">We onderzoeken de MiCA-status en de juridische entiteit, classificeren de uitwegen vanuit een regelgevend perspectief en bieden de forensische basis voor openbaarmaking, bevriezing en vermogensbescherming.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-5a381166 e-con-full e-flex e-con e-child\" data-id=\"5a381166\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-195abb14 elementor-align-justify elementor-widget elementor-widget-button\" data-id=\"195abb14\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"button.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<div class=\"elementor-button-wrapper\">\n\t\t\t\t\t<a class=\"elementor-button elementor-button-link elementor-size-sm\" href=\"https:\/\/finanz-forensik.de\/nl\/contact\/\">\n\t\t\t\t\t\t<span class=\"elementor-button-content-wrapper\">\n\t\t\t\t\t\t\t\t\t<span class=\"elementor-button-text\">Vraag een eerste consult aan.<\/span>\n\t\t\t\t\t<\/span>\n\t\t\t\t\t<\/a>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-b9f3307 elementor-align-justify elementor-widget elementor-widget-button\" data-id=\"b9f3307\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"button.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<div class=\"elementor-button-wrapper\">\n\t\t\t\t\t<a class=\"elementor-button elementor-button-link elementor-size-sm\" href=\"https:\/\/finanz-forensik.de\/wp-content\/uploads\/2026\/07\/Whitepaper_MiCA-lizenzierte-Krypto-Anbieter_Finanz-Forensik.pdf\">\n\t\t\t\t\t\t<span class=\"elementor-button-content-wrapper\">\n\t\t\t\t\t\t<span class=\"elementor-button-icon\">\n\t\t\t\t<svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" viewbox=\"0 0 24 24\" fill=\"none\" stroke=\"currentColor\" stroke-width=\"2\" stroke-linecap=\"round\" stroke-linejoin=\"round\"><path d=\"M21 15v4a2 2 0 0 1-2 2H5a2 2 0 0 1-2-2v-4\"><\/path><polyline points=\"7 10 12 15 17 10\"><\/polyline><line x1=\"12\" y1=\"15\" x2=\"12\" y2=\"3\"><\/line><\/svg>\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t<span class=\"elementor-button-text\">Rapport als PDF<\/span>\n\t\t\t\t\t<\/span>\n\t\t\t\t\t<\/a>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>","protected":false},"excerpt":{"rendered":"<p>Research Report Nr. 06 \u00b7 Regulierung &amp; Markt MiCA-lizenzierte Krypto-Anbieter \u2014 244 zugelassen, 1.738 raus Rechtsrahmen, Marktbereinigung, Anbieterliste, Gesch\u00e4ftsmodelle und Aufsicht \u2014 plus Checklisten f\u00fcr Anbieter und Investoren. 244MiCA-zugelassene Anbieter (ESMA, 1. Juli 2026)1.738Anbieter ohne EU-Lizenz ausgeschieden50k\u2013150k \u20acEigenkapital je Klasse (Anhang IV)seit 1. Juli 2026verbindlich \u00b7 EU-Passporting Vollst\u00e4ndiger Report (PDF) Online lesen Report 2026 Executive [&hellip;]<\/p>\n","protected":false},"author":1,"featured_media":0,"parent":2313,"menu_order":0,"comment_status":"closed","ping_status":"closed","template":"elementor_header_footer","meta":{"inline_featured_image":false,"footnotes":""},"class_list":["post-2672","page","type-page","status-publish","hentry"],"aioseo_notices":[],"aioseo_head":"\n\t\t<!-- All in One SEO Pro 4.9.10 - aioseo.com -->\n\t<meta name=\"description\" content=\"MiCA-Report: Rechtsrahmen, 244 zugelassene Anbieter vs 1.738 ausgeschieden, Anbieterliste, Gesch\u00e4ftsmodelle, Kapitalklassen, Aufsicht &amp; Sanktionen, Checklisten.\" \/>\n\t<meta name=\"robots\" content=\"max-image-preview:large\" \/>\n\t<link rel=\"canonical\" href=\"https:\/\/finanz-forensik.de\/nl\/whitepaper\/mica-lizenzierte-krypto-anbieter\/\" \/>\n\t<meta name=\"generator\" content=\"All in One SEO Pro (AIOSEO) 4.9.10\" \/>\n\t\t<meta 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