MiCA w Finland: zasady, nadzór i licencje CASP

Finanssivalvonta (FIN-FSA) is Finland's national competent authority under MiCA. The EU rules apply since 30 December 2024, with transitional arrangements for firms registered under the prior national act ending no later than mid-2026.

Finland's earlier regime — the Virtual Currency Providers Act of 2019 — required registration and basic AML compliance. It was an early, sensible step; MiCA replaces it with a much fuller rulebook.

Search FIN-FSA's register (finanssivalvonta.fi) or ESMA's union-wide CASP register. Check the services covered by the authorisation and the legal entity that holds it.

Passporting applies as everywhere in the EU/EEA: a platform authorised in another member state may serve Finnish customers on its home-state licence, verifiable in the ESMA register.

CASP authorisation brings segregated custody of client assets, capital requirements, pre-trade fee transparency and a formal complaints path — none of which the old registration regime required.

Unchanged: crypto's volatility, and the fact that holdings sit outside deposit-guarantee protection. The licence regulates the counterparty, not the market.