Malta: Fin Tech

The Markets in Crypto-Assets Regulation (MiCA) marked a turning point for crypto in Europe. It transformed a patchwork of national regimes into a harmonised, single framework across Member States. Malta chose to be at the forefront of crypto-regulation

Article 3(1)(9) of the Markets in Crypto-Assets Regulation (MiCA) defines a utility token as a type of crypto-asset intended solely to provide access to a good or service supplied by its issuer.

In December 2025, the European Securities and Markets Authority (ESMA) issued an important statement addressing the impending conclusion of the transitional periods under the Markets in Crypto-Assets Regulation (MiCA).

The European Union has reached an important agreement on a new package of rules designed to strengthen consumer protection in digital payments, improve transparency of fees, and create a fairer environment for banks and non bank payment providers.

Malta's FinTech ecosystem is expanding rapidly, with startups and established players alike embracing new ways to deliver financial services.

The European Securities and Markets Authority ("ESMA") has cleared the air about distinguishing between different execution services provided by Crypto-Asset Service Providers ("CASPs") through answering a submission from November 2024.

The EU's crypto landscape is heating up again. Following France's threat to block crypto passporting, the Malta Financial Services Authority (MFSA) has pushed back...

Last month, the European Securities and Markets Authority confirmed that our regulator, the MFSA, possesses both the technical expertise and resources necessary to authorise and supervise Crypto-Asset Service Providers under the EU's Markets in Crypto-Assets framework.

With its application phase officially underway in 2025, Regulation (EU) 2023/1114, known as the Markets in Crypto Assets Regulation (‘‘MiCA'' or the ‘‘Regulation''), represents a pivotal shift...