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Proof of Concepts

MiCA, article by article.

Every proof of concept has automated tests, and its MiCA citations were checked against the official text of Regulation (EU) 2023/1114. Educational demonstrations, not legal advice.

CASP Honest, Fair & Professional Conduct Manager

Demonstrates Art. 66 requirements for honest, fair, and professional conduct including pricing transparency, risk warnings, environmental impact disclosure, and conditional white paper linking

Offering Cancellation & Refund Manager

Demonstrates the Art. 14(3) requirement: when an offer to the public of a crypto-asset is cancelled, funds collected must be returned no later than 25 calendar days after the date of cancellation

E-Money Token Whitepaper Validator

Validates E-Money Token whitepapers against MiCA Art. 50-51 requirements, detecting interest prohibition violations and mandatory content gaps

Inside Information Trading Embargo Manager

Demonstrates inside information identification (Art. 87) and trading embargo, access control and violation detection against insider dealing (Art. 89) and unlawful disclosure (Art. 90), until public disclosure (Art. 88(1))

Significant CASP Threshold Monitor

Tracks daily active users and notifies when a CASP reaches the 15M user threshold (Art. 85), triggering a 2-month NCA notification deadline.

White Paper Modification & Version Control Manager

Demonstrates Art. 12 requirement to detect material changes in published white papers, notify the modified white paper to the NCA at least 7 working days before publication, and keep previous versions available for 10 years

Crypto-Asset Offering Result & Safeguarding Tracker

Demonstrates Art. 10 requirement for publishing offer results and safeguarding raised funds/crypto-assets in custody

ART Redemption Rights Portal

Demonstrates the Art. 39 redemption right for Asset-Referenced Tokens: redemption at the market value of the referenced assets, no redemption fee except a recovery-plan liquidity fee (Art. 46(1)(a)), and an issuer-defined processing timeframe

ART Significance Threshold Assessor

Assess whether an Asset-Referenced Token meets MiCA's 'significant' designation via 7-criteria framework (Art. 43)

CASP Placing & Arranging Crypto-Assets

Demonstrates Art. 79 requirements for CASPs arranging crypto-asset placements: pre-agreement communications with issuers, pricing transparency, conflict-of-interest disclosure, and compliance validation.

CASP Operational Resilience & Business Continuity Monitor

Demonstrates Art. 68(7) business continuity requirements (critical function RTO/RPO planning, annual testing, incident response) and Art. 73 outsourcing of third-party dependencies

Crypto-Asset Offering Eligibility Checker

Determines whether an offer to the public of a crypto-asset (other than an ART or EMT) is permitted and needs a white paper under MiCA Art. 4: legal person requirement, exemptions (Art. 4(2)(a)–(c)), exclusions (Art. 4(3)(a)–(d)) and their loss under Art. 4(4)

CASP Execution-Only Order Service

Demonstrates compliance framework for execution-only and order transmission services (Art. 78 & 80). Records all orders, monitors best execution quality, and tracks compliance metrics.

CASP Suitability Assessment for Investment Advice

Demonstrates Art. 81 requirement to assess client suitability before recommending crypto-asset investment advice, including client profiling, mandatory warnings, suitability reports, and 2-year periodic review requirements

CASP Record Keeping & Audit Trail Manager

Demonstrates Art. 68(9) requirement to maintain CASP records (transactions, communications, compliance actions, client instructions) for minimum 5 years with complete audit trails and searchability by client ID, record type, and date range.

CASP Governance & Fitness & Propriety Assessment

Demonstrates MiCA Art. 68 management body fitness & propriety assessment. Models one illustrative approach to operationalizing Art. 68's qualitative requirements via scoring thresholds (not regulatory mandates).

CASP Conflicts of Interest Manager

Demonstrates Art. 72 requirement to identify, prevent, manage, and disclose conflicts of interest, with annual review tracking

CASP Conflicts of Interest Register

Demonstrates Art. 72(1)-(4) requirement to identify, document, mitigate, and disclose conflicts of interest to clients before service provision

EMT Safeguarding & Compliance Validator

Demonstrates MiCA requirements for EMT issuers: authorisation (Art. 48(1)(a)), redemption at par at any time (Art. 49(4)), investment of funds received (Art. 54), significant EMT classification (Art. 56(1) with the criteria of Art. 43(1)) and its consequences for electronic money institutions (Art. 58(1))

ART Reserve Composition Validator

Demonstrates the reserve of assets rules for a significant Asset-Referenced Token: ≥60% deposits in credit institutions (Art. 45(7)(b)), eligible highly liquid assets (Art. 38), concentration avoidance (Art. 37), full coverage (Art. 36(7)) and monthly disclosure (Art. 30)

CASP Client Asset Segregation & Safeguarding

Demonstrates Art. 70 safeguarding of clients' crypto-assets and funds (segregated custody, funds with a credit institution or central bank), statements of position per Art. 75(5), and insurance coverage as a prudential safeguard per Art. 67(4)(b).

Market Abuse Detection & STOR Report Builder

Demonstrates detection of wash trading and pump-and-dump patterns (Art. 91) and generation of Suspicious Transaction & Order Reports per Art. 92

ART Own Funds Monitor

Dashboard demonstrating the Art. 35(1) own funds requirement for Asset-Referenced Token (ART) issuers: highest of €350,000, 2% (3% for significant ARTs, Art. 45(5)) of the 6-month average reserve, and a quarter of the preceding year's fixed overheads

Travel Rule Message Builder — IVMS101 Format

Build and validate IVMS101 Travel Rule messages carrying the originator and beneficiary information required by Regulation (EU) 2023/1113 (Transfer of Funds Regulation), TFR Art. 14

Retail Withdrawal Portal — 14-Day Right & Refund Tracking

Demonstrates the Art. 13 right of withdrawal: 14 calendar days from the purchase agreement for retail holders, and reimbursement of all payments within 14 days of the withdrawal notice

CASP Complaint Handling & SLA Compliance

Demonstrates Art. 71 complaint-handling procedures with deadline tracking: the limits set by the RTS adopted under Art. 71(5) (acknowledgment without undue delay, decision within 2 months), an illustrative internal timeframe (5 business days acknowledgment, 15 business days response, extensible to 35 with client notification) and 5-year record keeping per Art. 68(9)

CASP Own Funds Calculator

Demonstrates the Art. 67(1) requirement to hold prudential safeguards of at least the higher of the Annex IV permanent minimum capital (by class of service) and one quarter of the fixed overheads of the preceding year

EMT Redemption Portal

Demonstrates Art. 49 — EMT redemption at any time and at par value (1:1), with no redemption fee, tracked against a 1 business day issuer SLA