Regions / EU
OVAAL for the EU regulatory lane.
MiCA is the operating framework. Your CASP or EMI authorization is the license. Our stack is the infrastructure that lets you ship crypto features in 4 to 8 weeks without a specialist team.
What's standard in our EU integration.
- Stablecoins: USDC + EURC as defaults (both issued by Circle Internet Financial Europe SAS, MiCA-compliant EMTs).
- Fiat rails: SEPA Instant payouts via partner-chosen EMI (Modulr, Banking Circle, Clear Junction, Paynetics).
- Travel Rule: EU TFR Art. 14 + Art. 16 compliance via Notabene or 21 Analytics.
- AML screening: Chainalysis or TRM Labs.
- Data residency: EU-based cloud regions, partner preference honored.
- Languages at launch: English only. Framework ready for RU, AR, ES, DE, FR per partner market traction.
SEPA Instant timeline.
Why 2026 is the year.
- Jan 2025: SEPA Instant Payments Regulation receive mandate — every EU EMI must accept SCT Inst.
- Oct 2025: SCT Inst send mandate — every EU EMI must send SCT Inst. Universal 10-second settlement, 24/7/365.
- 2026 onwards: universal availability. Card-rail-competitive latency for fiat payouts from crypto.
Before 2025, bill-pay from crypto was too slow for real consumer use. After Oct 2025, it's table-stakes. OVAAL is built for the post-mandate world.
MiCA specifics.
How MiCA shapes what ships through OVAAL in EU jurisdictions. Full legal opinion is shared with signed partners under NDA.
Under MiCA Title III (enforced June 2024 on stablecoins, full CASP framework since January 2025):
- E-Money Tokens (EMTs) are the compliant stablecoin category for routine consumer use. USDC and EURC are EMTs.
- OVAAL's infrastructure defaults to EMTs for EU-jurisdiction flows. Partners can enable non-EMT assets per their own MiCA assessment.
- MiCA CASP authorization is held by the partner, not by OVAAL. OVAAL supplies infrastructure.
- MiCA Title VI (Market Abuse) obligations remain with the partner. OVAAL provides transaction-level telemetry.