Digital assets, done right.

MiCA (Markets in Crypto-Assets Regulation) is the EU’s comprehensive regulatory framework for crypto-assets, effective from 2024. It classifies tokens into three categories: utility tokens, asset-referenced tokens, and e-money tokens. Each category has different compliance requirements for issuance, reserves, and ongoing obligations. For token issuers, MiCA means you need proper classification, a compliant whitepaper, reserve management, and potentially a CASP (Crypto-Asset Service Provider) license before launching in the EU market.

The GENIUS Act (Guiding and Establishing National Innovation for US Stablecoins) is the US framework for regulating stablecoin issuers. It establishes federal licensing requirements, reserve and transparency standards, and consumer protection rules for payment stablecoins. For companies integrating stablecoin payments in the US market, this means working with licensed issuers and ensuring your infrastructure meets the new compliance requirements.

Traditional cross-border B2B payments take 3 to 5 days and lose 1 to 3% in fees through correspondent banking networks. With stablecoin settlement, the payment clears on-chain in seconds using regulated e-money tokens (like those issued by Monerium). The sender converts fiat to a regulated stablecoin, the on-chain transfer settles instantly, and the recipient can convert back to fiat or hold the stablecoin. This eliminates intermediary delays and reduces costs to near zero.

ERC-20 is the basic Ethereum token standard with no built-in compliance. Anyone can send tokens to anyone, which makes it unsuitable for regulated securities. ERC-3643 adds an identity and compliance layer on top: token holders must pass identity verification, transfers are checked against compliance rules in real time, and issuers can enforce jurisdictional restrictions. This makes ERC-3643 the standard for security tokens that need to meet regulations like MiCA or SEC requirements.

Verifiable credentials are digital proofs of identity or qualifications that a person controls and can share selectively. Unlike traditional KYC where every platform stores a copy of your passport, verifiable credentials let you prove your identity without repeatedly handing over personal data. In fintech, they enable compliant onboarding (KYC/AML), reusable identity verification across platforms, digital product passports for supply chain tracking, and privacy-preserving compliance under eIDAS 2.0 and GDPR.

x402 is an open payment protocol that enables AI agents and software systems to make and receive payments programmatically using stablecoins. It extends the HTTP standard (the “402 Payment Required” status code) so that any web service can request payment and any AI agent can fulfill it automatically. This is the foundation for agentic commerce, where AI systems handle purchasing, billing, and settlement without human involvement.