CASP z siedzibą w Danii4,8/5Penning a Bitvavo — duńska platforma z licencją MiCA
Bitvavo to największa holenderska giełda kryptowalut i jedno z największych w Europie miejsc obrotu spot w euro, z autoryzacją MiCA wydaną przez holenderski nadzór AFM. Bitvavo and Penning are both MiCA-licensed, so the comparison is about model and rails. Bitvavo is a custodial, EUR-only exchange authorised in the Netherlands. Danish customers weigh its low headline fees against a Danish counterparty that settles in DKK, delivers crypto to their own wallet, and can manage a portfolio.
Bitvavo is a MiCA-licensed Dutch exchange (Bitvavo B.V., AFM) and one of Europe’s largest by euro volume. For Danish customers, Penning is the closer fit: a Danish CASP that settles in DKK, delivers crypto to your own wallet rather than holding it, and is authorised for portfolio management — which Bitvavo’s license does not cover.
Porównanie
Penning a Bitvavo — punkt po punkcie
Bitvavo ma siedzibę w: Netherlands. Poniższe porównanie odzwierciedla opublikowane informacje o ofercie każdej z platform.
| Penning | Bitvavo | |
|---|---|---|
| Regulatory status | CASP authorised by the Danish FSA (FTID 10902), MiCA across the EU | CASP via Bitvavo B.V. (Netherlands AFM), authorised June 2025Źródło: ESMA CASP register + CoinDesk · sprawdzono 25 Jul 2026 |
| Who holds your crypto | Not held — delivered to your own wallet on every trade | Custodial — client assets held via third-party custodians (Coinbase Custody International, Copper), mostly cold storage, insured up to $755mŹródło: Bitvavo custody help pages · sprawdzono 25 Jul 2026 |
| Fiat rails | DKK via a Danish bank + EUR via SEPA | EUR only via SEPA (non-EUR payments are auto-refunded); serves Danish customers in EURŹródło: Bitvavo help pages · sprawdzono 25 Jul 2026 |
| Pricing model | Transparent fee shown pre-trade; no monthly fee | Low headline maker/taker from 0.15%/0.25%, down to 0.00%/0.02% at high volumeŹródło: Bitvavo fee schedule · sprawdzono 25 Jul 2026 |
| Assets | 190+ assets, delivered to your own wallet on 28+ chains | 275+ assets (per Bitvavo)Źródło: Bitvavo support · sprawdzono 25 Jul 2026 |
| Portfolio management | The only Danish CASP authorised for MiCA service (i); offered as Penning Invest | Staking and lending — which Bitvavo states are not regulated under MiCA — but no managed portfolio productŹródło: Bitvavo staking / earn disclosures · sprawdzono 25 Jul 2026 |
| Native cross-chain swap | Native Swap — settles in the destination asset on 28+ chains | Not offeredŹródło: bitvavo.com · sprawdzono 25 Jul 2026 |
| Who you contract with | Penning Financial Services ApS, Copenhagen — supervised by Finanstilsynet | Bitvavo B.V., Amsterdam; market leader in NL/BE, serving the SEPA zone including DenmarkŹródło: Bitvavo / AFM register · sprawdzono 25 Jul 2026 |
Dla kogo
Dla kogo Penning jest odpowiedni
Penning fits if you want a Danish counterparty, DKK in and out, crypto delivered to a wallet you control, and a managed strategy from the only Danish CASP authorised for portfolio management. Bitvavo remains a strong, cheaper choice for self-directed EUR spot trading with a large asset menu — if you’re comfortable with a custodial, Amsterdam-regulated model.
Najczęściej zadawane pytania
FAQ
Yes. Bitvavo B.V. holds a MiCA CASP license from the Dutch AFM (granted June 2025) and can passport across the EEA, including Denmark.
Alternatywy
Inne porównania
Chcesz wypróbować Penning?
Załóż bezpłatne konto Penning w kilka minut. Licencja MiCA (CASP) wydana w Danii, kryptoaktywa wypłacalne na Twój własny portfel, brak opłat miesięcznych. Wpłaty w EUR przez SEPA.