MiCA Regulation for eMoney Tokens

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  The Markets in Crypto-Assets (MiCA) regulation, fully in force since December 2024, governs how EMTs are issued and managed. It requires issuers to:

• Maintain a 1:1 fiat reserve for every token in circulation
   
• Publish white papers and undergo regular audits
   
• Hold 30% of reserve funds in segregated accounts
   
• Operate under oversight from ESMA and the EBA
   

MiCA sets a high bar for consumer protection, financial stability, and transparency. As of May 2025, only EMTs (not yet asset-referenced tokens) have received full approval.

Explore the next sections of this guide:

👉 Continue to 4. MiCA-Approved eMoney Token Issuers

📌 1. Introduction to eMoney Tokens – Learn what eMoney Tokens are, how they work, and why they matter in the digital finance world.
📌 2. Why eMoney Tokens Matter in the EU – Explore the role of EMTs in cross-border payments and financial integration.
📌 3. MiCA Regulation for eMoney Tokens – Understand the EU’s legal framework governing fiat-backed stablecoins.
📌 4. MiCA-Approved eMoney Token Issuers – Discover who’s authorized to issue EMTs in the EEA.
📌 5. How eMoney Tokens Function – See how EMTs are issued, backed, and used on blockchain.
📌 6. Use Cases for eMoney Tokens – Learn how EMTs power payments, remittances, and DeFi.
📌 7. Challenges and Future of eMoney Tokens – Explore the road ahead for regulated stablecoins in Europe.

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