Obtain a MiCA licence in the Czech Republic

Obtain a MiCA licence in the Czech Republic
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Obtaining a MiCA licence in the Czech Republic
is the first step for companies working with cryptocurrencies and seeking to conduct business in full compliance with European legislation. Obtaining a MiCA licence in the Czech Republic formalises activities in the digital financial sector and opens up prospects for full integration into the pan-European market.

MiCA licensing, based on Regulation (EU) 2023/850, establishes common rules and uniform regulatory standards for all participants in the crypto-industry in EU member states. Obtaining a MiCA licence in the Czech Republic means automatic recognition of the business throughout the EU thanks to the ‘passporting’ mechanism. This eliminates the need to undergo additional registration in other member states and significantly simplifies the process of entering new markets.

Thus, companies wishing to legally offer cryptocurrency services in Europe are able to operate in accordance with the security, transparency and consumer protection standards of the unified EU legislation. Moreover, obtaining a MiCA licence in the Czech Republic allows businesses to scale with lower costs and minimal legal barriers.

In an increasingly competitive and regulated crypto market, the MiCA licence is becoming not just a formality, but an important element of strategic development. In this publication, I explain the types of licences available under the law, the key requirements for obtaining a MiCA licence in the Czech Republic, as well as the cost of the procedure and associated expenses.

Why you should obtain a MiCA licence in the Czech Republic: legal and strategic arguments

The Czech Republic has established itself among the leading European jurisdictions attractive for cryptocurrency business. Firstly, the country has a mature legal system with a high degree of enforcement predictability. Secondly, an important advantage is the ability of Czech regulators to quickly integrate European legislation.

MiCA regulations ensure that cryptocurrency companies can legally operate throughout the EU, which provides a level playing field and facilitates entry into new markets. Legal harmonisation in the EU facilitates the expansion of the customer base and strengthening of commercial positions. In addition, MiCA compliance facilitates connection to banking and payment systems.

Cryptocurrency licence applicants in the Czech Republic under MiCA are supported by the Czech government, which demonstrates a progressive approach to supporting innovative entrepreneurship. Government initiatives to stimulate startups and the activity of private investment funds and venture structures create a favourable environment for the development of cryptocurrency companies.

MiCA licensing in the Czech Republic: how regulation has changed

The EU-wide MiCA regulations began to apply in 2025. The regulations are designed to eliminate fragmented approaches to regulating digital asset markets in the EU and build a unified legal system in which investors' interests are protected.

An end to fragmented regulation

Prior to MiCA, cryptocurrency companies in the EU faced uncoordinated national laws, which created legal uncertainty and increased the likelihood of infringement. This changed in the Czech Republic with the implementation of the Digital Finance Act, passed in February 2025. The document integrated MiCA provisions into the state legal system and laid the foundation for comprehensive supervision of cryptocurrency market operators. Later, Act No. 32/2025 Coll. was adopted, supplementing the original version and addressing, in particular, the fiscal obligations of crypto service providers.

What the MiCA Regulation requires from companies

The MiCA Regulation standardises the approach to the provision of services related to virtual assets. For existing businesses, obtaining a MiCA licence in the Czech Republic is a prerequisite for further operations. New players in the cryptocurrency market are obliged to comply with the European regulations from the moment of launch. Violation of these regulations threatens serious sanctions - from fines to restriction of commercial activities.

To obtain a Czech MiCA licence, cryptocurrency companies must implement comprehensive internal regulatory mechanisms, demonstrate the existence of a risk-monitoring system, and ensure the transparency of corporate processes and reporting procedures. Due attention is paid to the security of transactions with virtual assets and customer protection. Corporate entities dealing with cryptocurrencies are required to perform scheduled internal audits, submit reports to supervisory authorities, and comply with technical standards that are developed and approved at the EU level.

Monitoring and regulation: who monitors the market

The Czech National Bank (ČNB) is the central regulator responsible for licensing and monitoring compliance with the MiCA. Its functions are not limited to internal supervision. The ČNB actively co-operates with European bodies, including ESMA and EBA. This co-operation allows for the maintenance of a unified supervisory mechanism at the cross-border level. Crypto-licensing in the Czech Republic under the new MiCA rules automatically places companies under pan-European control, obliging them to comply with common standards.

New regulations: client protection and IT security

The requirements for handling client funds have been significantly tightened. Organisations aiming to obtain a cryptocurrency licence in the Czech Republic must implement structured internal procedures aimed at strict segregation of client and corporate assets. This means that financial assets and cryptocurrencies belonging to users must be stored in separate accounts and wallets, completely isolated from the resources of the company itself.

This separation eliminates the possibility of unauthorised use of client funds in the company's operational activities, and significantly reduces the risks associated with the possible insolvency or bankruptcy of the operator. In addition, companies are required to provide regular evidence of compliance with these procedures, including flow of funds reports and internal audits, which ensures ongoing regulatory oversight.

Custodial (custody) services also come under increased oversight - they must provide a high level of protection for digital assets, including technical and organisational measures. In addition, companies applying for a Czech MiCA licence are required to confirm their readiness to comply with the requirements of DORA - the law regulating the digital stability of financial systems. That is, crypto service providers must implement robust IT infrastructures, cybersecurity systems and incident response protocols.

Getting a crypto licence in the Czech Republic: key features and classification of licences

The main innovation of the MiCA Regulation is the need to obtain a special licence for all participants in the crypto industry - from token issuers to digital service providers. The pan-European legal framework focuses on the classification of crypto licences depending on the volume of transactions and the nature of the services provided.

Class 1. Basic intermediary and investment services

MiCA's Class 1 licence in the Czech Republic entitles it to perform basic functions in the cryptocurrency system. These include:

  • supporting transactions for the purchase or sale of tokens on behalf of clients, including their execution and execution;
  • organising the placement of crypto-assets on behalf of issuers;
  • redirecting client orders to regulated trading venues subject to regulatory standards;
  • advising on investments in crypto-assets based on market analysis;
  • managing clients' portfolios in trust within the framework of agreed investment strategies;
  • ensuring the secure movement of cryptoassets between wallets and accounts.

However, such a licence does not grant the right to hold cryptoassets, operate exchanges or provide custodial services.

Class 2. Extended powers and custody of virtual assets

Obtaining a Class 2 CASP licence in the Czech Republic will provide access to a wider range of operations, including all functions of Class 1, as well as:

  • providing custodial services, including secure storage of cryptographic keys and customer data;
  • developing and supporting solutions for the exchange of cryptocurrencies and their conversion into traditional currencies (fiat), and vice versa.

This category of licences is relevant for operators of crypto exchanges and custodial wallet providers providing a full cycle of transaction operations, including interaction with fiat funds.

Class 3: Management of trading platforms and provision of liquidity

The highest level of licensing covers the full range of services of the previous two categories, supplemented by the ability to manage cryptocurrency trading platforms. This includes:

  • creating and maintaining infrastructure for third-party transactions;
  • providing technical conditions for the operation of the exchange;
  • maintaining liquidity and stability of the trading system.

This type of authorisation is focused on large platforms that handle a high volume of transactions and require a high level of automation.

Choosing a licence: what is important to consider

Determining the optimal class depends on the company's strategic objectives, the nature of the services provided, and the level of maturity of the business model. The chosen CASP licence in the Czech Republic should correspond to the real profile of the activity, providing legal protection and the possibility to legally enter the European market.

It is important to note that MiCA does not apply to NFTs (non-replaceable tokens), as they have uniqueness and are not intended for free exchange. Cryptoassets that fall under the definition of financial instruments are also excluded from regulation - they are regulated by other EU regulations.

Regulated capital for obtaining a MiCA licence in the Czech Republic

The MiCA Regulation sets out a number of requirements for companies planning to provide cryptocurrency services. An essential condition is considered to be the presence of a minimum authorised capital sufficient to insure market risks, protect the interests of clients, and ensure the sustainability of the business. The amount of capital that allows obtaining a cryptocurrency licence in the Czech Republic varies depending on the category of the licence to be granted and the nature of the applicant's business.

50 000€

125 000€

150 000€

The first category MiCA licence in the Czech Republic covers intermediaries that are not authorised to hold client assets and do not conduct large-scale trading operations. Due to the low level of potential risks on the part of such participants, the regulator allows relatively moderate financial requirements

The second category licence involves a more complex range of services, from storing digital assets to exchanging cryptocurrency for fiat or other tokens. Accordingly, the capital requirements for such licences are higher to ensure financial stability in transactions with client assets. Such a requirement serves as a guarantee of reliability and minimisation of losses in case of operational failures

The third category applies to operators of crypto exchanges and market-making service providers. Given the significant transaction flows and high volatility, companies in this category are required to prove a substantial amount of capital. These measures are aimed at curbing market manipulation and increasing the transparency of trading transactions

MiCA pays special attention to organisations issuing asset-referenced tokens. Such issuers are required to adhere to the requirements of Article 35 of the Regulation, which provides for equity capital of at least EUR 350,000, as well as an amount equal to 2% of the average amount of reserve assets for the last half a year. Organisations issuing cryptocurrency E-money counterparts (EMTs) are subject to regulation at a level comparable to the prescriptions of Directive 2009/110/EC. In addition to mandatory minimum capital, such firms are required to fulfil liquidity and provisioning regulations. If increased risks are identified, the Czech supervisory authorities may require a capital increase of 20 per cent above the basic threshold.

How to obtain a MiCA licence in the Czech Republic

In order to obtain a MiCA licence in the Czech Republic, it is necessary to register a legal entity directly in the country. The company must have an official office in the Czech Republic, which emphasises its real presence and readiness to operate in accordance with national legislation. One of the key conditions is the appointment of at least one manager who is a tax resident of the European Union.

Reputational and governance review

All key people in the company structure - from the CEO to the board - are subject to a mandatory fit and proper procedure. These checks cover experience and qualifications, no dodgy connections or involvement in risky schemes. The CEO is prohibited from running parallel business activities and must be fully focused on running the cryptocurrency company, which helps focus on the safety of operations.

Appointing Compliance and AML Responsible Persons

Czech law requires the mandatory appointment of two key professionals: a Chief Compliance Officer (CCO) and a Financial Fraud Prevention Officer (MLRO). The former is responsible for monitoring internal policies, liaising with supervisory authorities, compliance with data protection standards and reporting. The second is responsible for implementing all measures to comply with AML/CTF policies, analysing and processing documentation in accordance with CDD, EDD, KYC, KYB and KYT procedures, and liaising with government authorities when suspicious transactions are detected.

Preparing a company to obtain a MiCA licence in the Czech Republic

Before starting operations, it is necessary to register one of the standard forms of Czech companies - s.r.o. (limited liability company) or a.s. (public company). (limited liability company) or a.s. (public company), develop internal regulations, and apply for a licence with payment of the prescribed fees. The key stage is the preparation of a package of documentation required for submission to the licensing authorities:

  • Comprehensive business development plan, including a financial model, strategic directions.
  • Internal AML/CTF regulations.
  • Description of identity verification and customer verification mechanisms.
  • White Paper - mandatory document for token launches.
  • Rules and standards for storing cryptoassets.

White paper discloses technical parameters of tokens, legal nuances of their placement and possible risks for investors. The asset custody policy regulates the standards and procedures for managing clients' cryptocurrency funds. This includes the use of multi-signatures, qualified custodians, implementation of mechanisms to prevent loss or theft of assets. It is important that clients are protected even in the event of CASP bankruptcy and that funds are held in segregated accounts with European banks.

MiCA-licensing in the Czech Republic: additional requirements

Companies are required to prepare an operational sustainability and risk management programme. The programme outlines the list of services provided, marketing strategy, target audience and territorial coverage, as well as a development plan for three years. A separate section should be devoted to the outsourcing policy, including a description of the work with external contractors and intra-group structures.

Under regulatory guidelines, CASP licensees are required to ensure that client assets are held separately from corporate assets, use trusted financial institutions in the EU and have insurance against loss or theft of digital assets. This condition is aimed at increasing trust and recognition by counterparties.

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Timeframe for obtaining a MiCA licence in the Czech Republic and financial costs

The timeframe for obtaining a cryptocurrency licence in the Czech Republic directly depends on the completeness and correctness of the submitted set of documents, the current workload of the supervisory authority, the availability of additional requests from the regulatory authority and the timeliness of their satisfaction. On average, the process lasts from two to six months. If clarifications are needed or discrepancies are identified, the review period will increase.

The financial side of the issue requires special attention. In addition to the mandatory application fees, a company applying for a MiCA licence in the Czech Republic must be prepared for the costs of running its business. The state CASP application fee ranges from €2,000 to €3,500 (depending on the scope of the functions claimed and the proposed activities).

Additional operational costs include renting the office space required to establish a physical presence in the country, salaries of full-time staff, mandatory annual audits, preparation of financial statements and implementation of internal compliance controls. In aggregate, the costs can be as high as €30,000 per year.

Obtaining crypto-licences in the Czech Republic under MiCA: tax aspects

Although cryptocurrencies are not officially recognised as legal tender, they are legally qualified as intangible assets. This allows them to be integrated into the standard accounting and fiscal monitoring system. The current corporate tax rate is 21% of net profit. This is a universal level of taxation that is the same for all forms of commercial activity. The important point is that the tax is calculated on profits, not on total turnover.

At the beginning of this year, Act No. 32/2025 Coll. came into force, which concretised the approach to taxation of crypto operations. Two key criteria were implemented: the time and value tests. According to the first, if a digital asset has been owned for more than three years, its sale is not subject to income tax. According to the second, small transactions are exempt from fiscal obligations, which simplifies day-to-day operations and reduces the administrative burden.

Conclusion

Obtaining a MiCA licence in the Czech Republic is a reasonable step for companies wishing to operate in a country with a transparent regulatory environment and state support for innovation. The Czech Republic has a number of advantages that could eventually place it among the leading European cryptohubs. The introduction of the MiCA Regulation has created clear regulatory rules in the single European zone, allowing licensed participants to build investor and user confidence, minimise legal risks and ensure stable business development in line with EU requirements.

The Czech Republic, with its stable legal system and business infrastructure, could be an optimal location for cryptocurrency companies seeking a long-term and legal presence in Europe. My team keeps abreast of the latest amendments to European legislation and can provide comprehensive support in the process of obtaining a MiCA licence in the Czech Republic - from consulting and documentation preparation to regulatory risk management and communication with supervisory authorities and banking institutions.

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