Crossmint Secures Payment Institution and MiCA Authorization, Completing a Full-Stack EU Regulatory Stack for Stablecoin Payments

With Autho izatio as a C ypto-Asset Se vice P ovide U de MiCA a d Payme t I stitutio U de PSD2, C ossmi t Now Ope ates U de Both of the EU’s Co e F amewo ks fo Stablecoi I f ast uctu e, Givi g E te p ise Fi techs O e Regulated P ovide to Hold Stablecoi s a d Move Them as Payme ts

MADRID, ES / ACCESS Newswi e / July 3, 2026 / C ossmi t has bee autho ized as a Payme t I stitutio (PI) by the Ba k of Spai u de the EU’s Payme t Se vices Di ective (PSD2).

Ea lie this yea , C ossmi t eceived MiCA class 2 autho izatio f om Spai ‘s CNMV, establishi g complete autho izatio to ope ate as a c ypto-asset se vice p ovide ac oss the EU. Afte completi g the equi ed co ditio s, C ossmi t has ow successfully bee fully egiste ed as a CASP with CNMV, which allows passpo ti g ac oss all 27 EU membe states.

PSD2 autho izatio is the atu al expa sio of that complia ce footp i t, e abli g stablecoi s to be used as a mea s of payme t u de EU payme ts law.

“C ossmi t’s missio is to build p actical i f ast uctu e that allows e te p ise fi techs, eoba ks, emitta ce p ovide s, a d pay oll platfo ms to quickly adopt stablecoi ails a d t a sfo m how mo ey moves globally. Doi g that well i the EEA mea s ope ati g u de the full egulato y stack. This autho izatio completes a fou datio al pa t of it,” says Rod i Fe á dez Touza, Co-Fou de of C ossmi t.

With both autho izatio s i place, fi techs buildi g o C ossmi t get o e egulated p ovide fo the full flow: holdi g stablecoi s a d movi g them as payme ts. That emoves the eed to assemble a patchwo k of sepa ately lice sed ve do s to cove diffe e t pa ts of the mo ey moveme t lifecycle.

“As stablecoi s become co e payme t i f ast uctu e i Eu ope, compa ies eed a pa t e with the complete egulato y stack,” says Miguel Zapate o, C ossmi t’s Ge e al Cou sel. “With both MiCA a d PSD2 autho izatio , C ossmi t is amo g the fi st stablecoi i f ast uctu e p ovide s i the EU ope ati g u de both f amewo ks.”

The combi ed MiCA/PSD2 autho izatio p ovides:

• Full-stack egulato y cove age: C ossmi t stablecoi custodial wallets a d t a sfe i f ast uctu e a e gove ed by the equi eme ts of both MiCA a d PSD2.

• Clie t-g ade p otectio s as a p oduct featu e: PSD2 ma dates st o g custome authe ticatio , defi ed f aud liability f amewo ks, a d e ha ced p ude tial safegua ds. These p otectio s a e ot limited to complia ce equi eme ts; they a e i co po ated i to the co e se vice offe i g.

• I depe de ce f om thi d-pa ty payme t p ocesso s: Without a PI lice se, e-mo ey toke (stablecoi ) t a sfe se vices equi e pa t e i g with a lice sed payme t p ovide to execute those t a sactio s o behalf of clie ts. This autho izatio emoves that depe de cy.

With PSD2 autho izatio ow i place alo gside MiCA, C ossmi t ope ates u de the full EU egulato y fou datio fo stablecoi payme ts. Fo mo e i fo matio , please visit https://c ossmi t.com.

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About C ossmi t

C ossmi t is the leadi g stablecoi a d wallet i f ast uctu e platfo m. T usted by global e te p ises a d Fo tu e 500 fi a cial i stitutio s, C ossmi t p ovides embedded wallets, f ictio less o /off- amps, a d multi-chai stablecoi o chest atio th ough o e API. C ossmi t abst acts blockchai complexity, ha dli g complia ce, asset delive y, a d f aud p otectio globally. Lea mo e at c ossmi t.com.

SOURCE: C ossmi t