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    Do crypto-asset services in Finland need a licence?

    What the EU crypto rules mean for users.

    Answered at: Checked at:

    Short answer

    Yes. FIN-FSA said in June 2026 that some European countries had allowed crypto-asset services without authorisation during a transition period ending on 30 June 2026, but Finland had not. From 1 July 2026 it is not permitted to provide crypto-asset services without authorisation anywhere in the EU or EEA. FIN-FSA also noted that not all entities offering crypto services in Europe are authorised, so users should check the provider.

    Practical: communication, money, services

    Why

    1. FIN-FSA's news release of 30 June 2026 explains the end of the transition period.
    2. The European supervisory authorities warn that crypto-assets can be risky and protection limited.
    3. Authorised providers can be checked in ESMA's register and FIN-FSA's list.

    Details

    An authorised provider is supervised, but the value of crypto-assets can still fall sharply.

    Tip

    Never move crypto to a wallet address someone gives you by phone or chat.

    What may differ

    Some crypto products fall outside MiCA. Read the ESAs' warning for details.

    Common misconception

    A licence means a crypto investment is safe.

    What actually happens

    A licence covers the provider, not the price of the asset.

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    Sources

    This answer is for reference only. Payment rules and fees change, so check the official sources or your bank before you pay.

    Practical: communication, money, services
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