MiCA and the July 1, 2026 deadline: what it means for your bitcoin

European crypto regulation is entering a decisive phase. From July 1, 2026, only firms with a MiCA licence can offer crypto services in the European Union. If you hold bitcoin on an exchange or a brokerage, it is worth knowing what is changing and how to keep calm, uninterrupted access to your funds.

What MiCA is

MiCA (Markets in Crypto-Assets) is the European regulation that, for the first time, unifies the rules for crypto companies across all 27 EU member states. It replaces the earlier patchwork of national registrations with a single, shared regime. The licence is issued in each country by the national supervisory authority, in the Czech Republic by the Czech National Bank (ČNB). A company licensed in one member state can operate across the whole EU on that basis.

For you as a user, it means clearer rules, more transparent fees, segregation of client funds, and a formal process for handling complaints.

Why July 1, 2026 matters

MiCA has been fully applicable since the end of 2024. Companies that were already providing services could keep operating during a transitional period, as long as they applied for a licence in time (in the Czech Republic, the application had to be filed by July 31, 2025). This transitional period in the Czech Republic ends on July 1, 2026, or earlier if the ČNB decides on the application.

After that date, the rule is simple: a platform that does not actually hold a granted licence cannot serve clients in the EU. Filing an application is not enough. Some platforms are already limiting deposits and withdrawals for EU clients, and others have announced their exit from the European market. If your bitcoin sits on a platform that does not get licensed, you may face restrictions and need to migrate to an EU-authorised entity from July 1.

How to check whether your platform is in order

The most reliable way is to verify the status at the source. The ČNB publishes a list of entities it has granted a MiCA licence, and the European authority ESMA maintains a continuously updated register of authorised providers. If your exchange or brokerage is not on the list, it does not hold a licence as of July 1 and may not be able to provide you with services from that date.

Why Invity

Invity holds a MiCA licence from the ČNB. We are among the first companies in the Czech Republic to receive it; the first authorisations were issued on February 11, 2026. We are supervised by the ČNB under the same rules as traditional financial services, and we also comply with DORA, the EU cybersecurity regulation.

We stand on solid ground. We are part of the SatoshiLabs family, the same group as Trezor, the world’s first hardware wallet. Your bitcoin is held with BitGo, institutional-grade custody with insurance.

Invity focuses on bitcoin only. It gives you tools built for long-term accumulation:

Bitcoin only. Enjoy peace of mind with an app built for long-term accumulation, not day trading.
Smart strategies for beginners. Set an amount and a frequency, and Invity buys for you.
Smart strategies and services for the experienced. Use 60% extra buying power, or unlock liquidity with a bitcoin-backed loan.
An education academy. Put your Bitcoin knowledge to the test.

How to move bitcoin to Invity

You can do it in a few minutes:

Create an account in the Invity app and finish identity verification.
On the home screen, tap “Receive”.
Your BTC address appears. Scan it or copy it.
On the exchange where you hold bitcoin, choose “Withdraw” to a wallet.
Paste your Invity address and confirm.

Expect a small network fee, paid to miners on the Bitcoin network.

Invite friends and you both get a reward

Do you have a friend who holds bitcoin on an unlicensed platform? On the home screen, tap the gift icon and send them your personal invite link. Your friend gets a lifetime 10% discount on service fees, and you earn 33% of their fees in bitcoin. When they complete 3 transactions in any Invity strategy, you both get €4 in bitcoin.

In closing

The end of the MiCA transitional period is a good moment to check where, and on what terms, you hold your bitcoin. If you want your funds in an app licensed by the ČNB and backed by institutional-grade infrastructure, move them to Invity before July 1, 2026.

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