Europe – réglementation crypto, stablecoins et cadre MiCA

When working with Europe, région regroupant 27 États membres avec une législation financière unifiée. Also known as l'Union européenne, it defines the rules that shape the crypto market across the continent.

One of the most visible moves is the MiCA, réglementation européenne sur les actifs numériques entrée en vigueur le 30 décembre 2024. Not only does MiCA encompass all crypto‑assets, it specifically targets stablecoins, tokens dont la valeur est indexée sur une monnaie ou un actif réel. In practice, MiCA requires stablecoin issuers to obtain a CASP licence, publish reserve reports and respect strict governance. This framework influences how projects launch, how investors protect their capital and how exchanges list tokens.

The supervisory body behind MiCA is ESMA, l'Autorité européenne des marchés financiers chargée de veiller à la stabilité du secteur. ESMA monitors compliance, issues guidance on crypto‑service providers and coordinates with national regulators. Its oversight ensures that the European market stays transparent and that consumer protection rules are uniformly applied.

Beyond the legal layer, Europe hosts a growing ecosystem of blockchain‑energy platforms, DeFi projects and tokenised assets. The interaction between regulation (MiCA), market infrastructure (ESMA) and innovative use‑cases (stablecoins, tokenised commodities) creates a dynamic environment where opportunities and risks coexist. For anyone building or investing in crypto, understanding these interconnections is essential to navigate the continent’s evolving landscape.

Below you’ll find a curated collection of articles that break down each part of this puzzle: from the details of MiCA’s licensing requirements, through stablecoin use‑cases, to practical guides on complying with ESMA’s standards. Dive in to see how the European framework can shape your crypto strategy today.