MiCA transitional period ended 1 July 2026. Routes into the EU crypto market
HELMS — Financial Infrastructure Advisory
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HELMS · Regulatory tool

Do I need a CASP or EMI licence?

Answer a few questions about what your business actually does. This indicative checker maps your activities to the right EU licence — CASP, EMI, Payment Institution or ART authorisation — and the capital tier that follows. Built for operators, not lawyers.

Indicative guidance only, based on MiCA (Regulation (EU) 2023/1114) and the EU payments framework (PSD2/EMD2). This is not legal advice and creates no advisory relationship. Edge cases — reverse solicitation, agent/distributor models, group structures, mixed activities — need a tailored review.

HELMS live deskA live operator usually replies in ~30 minutes (business hours · CEST|CET)
Hello. Tell us what you are building and which finance, treasury or risk question is most urgent