The EU lane of the control plane.
This lane is designed to support deployments by authorised firms operating under MiCA. Your CASP or EMI authorisation owns the regulated relationship. OVAAL provides the control plane (accounts, money movement, settlement, reconciliation and policy) with EU rails and providers plugged in beneath it.
Availability is not guaranteed. Product availability in the EU depends on jurisdiction, the selected providers' approval, and service scope, and is configured per partner. OVAAL is not a bank, EMI or CASP.
What the EU lane orchestrates.
Categories shown here, mapped onto the risk and compliance stack. The specific providers we integrate, and your options per market, are disclosed in the gated compliance pack where contractually allowed.
- Stablecoin settlement: EU-authorised e-money-token stablecoins, issued by authorised providers, where supported.
- Fiat rails: SEPA and SEPA Instant payouts via regulated EMI / payments partners, subject to provider eligibility.
- Travel Rule: EU Transfer of Funds Regulation workflows via Travel Rule providers.
- AML & sanctions: screening and monitoring via AML screening vendors, operated under your authorisation.
- Data residency: EU-based cloud regions, with partner preference taken into account.
- Languages at launch: English only. The framework is ready for further languages as partner markets require.
Why the timing works.
EU instant-payment mandates make near-real-time fiat movement broadly available, which is why the EU lane is a first-class part of the control plane rather than a roadmap item.
- Jan 2025: SEPA Instant Payments Regulation receive mandate, in-scope EU payment service providers must be able to accept SCT Inst.
- Oct 2025: send mandate, in-scope EU providers must also be able to send SCT Inst, broadening near-real-time euro settlement.
- 2026 onwards: wide availability of instant euro settlement, where supported by the selected provider and destination institution.
Settlement timing depends on the selected provider, the destination institution and the jurisdiction. We describe what is supported rather than promising a universal speed.
How MiCA shapes the EU lane.
How the framework informs what is configured through OVAAL in EU jurisdictions. The detailed regulatory posture is shared with qualified partners in the compliance pack.
- E-money-token stablecoins are the category used for routine flows in the EU lane. The lane defaults to them and partners enable other assets per their own assessment.
- The MiCA authorisation (for example a CASP or EMI permission) is held by the partner, not by OVAAL. OVAAL provides the technology and orchestration.
- Market-conduct and supervisory obligations remain with the partner under their licence. OVAAL provides transaction-level records and telemetry.
- Authorised providers execute the regulated services beneath the control plane.
This is a working summary, not legal advice or a statement of compliance. The split of responsibility is set out in the responsibility matrix on the compliance model page and made contractual in the DPA and MSA.