Union

Long

Robinhood

<p>The European Union likes to take its time, especially regarding digital innovation. But sometimes, it opens the floodgates. This is the case with Revolut, now holding a MiCA license issued by Cyprus. Long seen as hesitant in the crypto race, Europe is showing a new stance here. Through this pass, it rolls out the red carpet for a player who wants to redesign digital finance on the Old Continent. A trial or a turning point?</p>
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  <h2 class="in-brief--title" id="in-brief">In brief</h2>
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   <li>Revolut obtains the MiCA license in Cyprus and can operate in the 30 European countries.</li>
   <li>The Crypto 2.0 platform offers 22% APY staking, 280 tokens, and conversions without spread.</li>
   <li>Europe welcomes this disruptive offer positively against giants like Coinbase or PayPal.</li>
   <li>A Revolut stablecoin becomes feasible thanks to its EMI license and the MiCA regulatory framework.</li>
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<h2 id="h-mica-the-european-passport-reshuffling-the-crypto-cards">MiCA: the European passport reshuffling the crypto cards</h2>
<p>Long criticized for its digital inertia and <a href="https://www.cointribune.com/en/the-end-of-crypto-freedom-the-eu-tightens-the-screws-with-strict-measures/" target="_blank" rel="noopener noreferrer nofollow">its strict measures</a>, the European Union is finally deploying a harmonized framework for crypto-assets. Thanks to <a href="https://cointelegraph.com/news/revolut-secures-mica-license-in-cyprus" target="_blank" rel="noopener noreferrer nofollow">its MiCA license</a> obtained from CySEC, Revolut can now offer its services in the 30 EEA countries. A major regulatory turning point, where regulators had so far been elusive.</p>
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<p>According to Costas Michael, CEO of Revolut Digital Assets Europe: “<em>This authorization allows us to offer revolutionary crypto products with increased transparency and trust for our growing customer base, while reaffirming our commitment to crypto as an asset class</em>“.</p>
<p>This license gives Revolut unprecedented leverage to consolidate its position against Coinbase or <a href="https://www.cointribune.com/en/crypto-kraken-validates-its-mica-license/" target="_blank" rel="noopener noreferrer nofollow">Kraken</a>, already holders of the precious pass. And with its 65 million users, including 40 million in Europe, Revolut plays in a different league. Where others struggle to overcome regulatory barriers, the British neobank deploys an integrated crypto strategy.</p>
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<p>MiCA acts here as a catalyst: the EU no longer wants to undergo disruption, it wants to regulate it.</p>
<h2 id="h-crypto-2-0-xxl-staking-zero-spread-stablecoin-and-clear-ambition">Crypto 2.0: XXL staking, zero-spread stablecoin, and clear ambition</h2>
<p>With its new “Crypto 2.0” platform, Revolut brings out the heavy artillery. Over 280 tokens listed, zero-fee staking with up to 22% annual yield, and conversions between stablecoins and dollar without spread. Unprecedented in the traditional banking world.</p>
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<p>The tone is set: the framework changes, and Revolut anticipates it. Its Revolut X platform, already available throughout Europe, targets savvy investors. But thanks to its mobile app, the offer remains mainstream. The goal: to merge the banking and crypto experience beyond simple speculation.</p>
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 <p><em>It is no secret that we have ambitious projects in the crypto sector, and our MiCA license is fundamental for all this.</em></p> <cite>Costas Michael</cite>
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<p>While giants like PayPal and <a href="https://www.cointribune.com/en/robinhood-launches-an-l2-blockchain-for-stock-trading-in-europe/" target="_blank" rel="noopener noreferrer nofollow">Robinhood</a> move cautiously, Revolut bets on disruption. Europe, often considered rigid, sees here a fluid, ambitious product, tailored for today’s investor. With Crypto 2.0, Revolut turns the user interface into a strategic lever.</p>
<h2 id="h-revolut-stablecoin-the-option-that-shakes-things-up">Revolut stablecoin: the option that shakes things up</h2>
<p>Rumors about a Revolut stablecoin are not new. But with the arrival of MiCA, <a href="https://decrypt.co/345674/revolut-secures-mica-license-in-cyprus-is-a-stablecoin-next" target="_blank" rel="noopener noreferrer nofollow">this hypothesis</a> is no longer science fiction. The fintech holds an EMI license in Lithuania, a sine qua non condition to issue e-money tokens under the MiCA regime.</p>
<p>Lawyer Sadri Sali states:</p>
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 <p><em>Practically, Revolut is now positioned to legally issue its own stablecoin within the European Union regulatory framework.&nbsp;</em></p>
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<p>Revolut still has to produce a whitepaper in compliance, meet governance requirements, and stay within the European Banking Authority’s rules. But the foundations are there. And this project is not isolated: several European challengers are working on their own tokens. It remains to be seen if Revolut will take the step in 2026.</p>
<h3 id="h-what-to-retain">What to retain</h3>
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 <li>280 tokens offered on Crypto 2.0;</li>
 <li>22 % annual potential yield on staking;</li>
 <li>1:1 stablecoin/USD without hidden fees;</li>
 <li>65 million Revolut users, including 40 million in Europe;</li>
 <li>+298 % revenue growth in its “Wealth” branch in 2024.</li>
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<p>With this strategy, Revolut redefines the function of a neobank. Far from a publicity stunt, it lays the bricks of an autonomous system where banking, crypto, and regulation finally dialogue.</p>
<p>Revolut does not stop. With MiCA, the fintech turns European regulation into a springboard. And crypto trading becomes its secret engine. Last April, the platform recorded <a href="https://www.cointribune.com/en/revolut-records-a-historic-performance-thanks-to-crypto-trading/" target="_blank" rel="noopener noreferrer nofollow">a historic performance</a>. The banking world may be witnessing an unexpected remake: where Europe becomes the outpost of crypto finance.</p>

Crypto: Revolut obtains the MiCA license

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