EU CRYPTO REGISTER · AUTHORISED · LAST VERIFIED
Is PAYMIUM licensed under MiCA in the European Union?
PAYMIUM's European entity (PAYMIUM SAS) is recorded as an authorised Crypto-Asset Service Provider under the EU's Markets in Crypto-Assets Regulation, with its authorisation issued by France on 22 June 2026.
Verdict: PAYMIUM appears in the ESMA Register of MiCA-Authorised CASPs.
| Legal entity | PAYMIUM SAS |
|---|---|
| Home Member State | France |
| National Competent Authority | Autorité des Marchés Financiers (AMF) |
| Authorisation date | |
| Legal Entity Identifier (LEI) | 969500D241WXU9J7MI33 |
| Authorised services | Custody, Operating a trading platform, Exchange for funds, Exchange for crypto, Order execution, Transfer services |
Source: ESMA Register of Crypto-Asset Service Providers. Retrieved 30 June 2026.
About PAYMIUM
Paymium is a French consumer cryptocurrency exchange operated by PAYMIUM SAS, a Paris-area company that according to its own materials was founded in 2011 and is run by a private French team. The platform lets retail and professional clients buy, sell and hold crypto-assets through a single app, with a multi-asset line-up that the company lists as including Bitcoin (BTC), Ether (ETH), Litecoin (LTC), Ethereum Classic (ETC) and other tokens such as the EURCV stablecoin. It is a consumer exchange and custody service rather than a bank, broker or asset manager. Source: Paymium
Paymium states that its service covers spot trading, recurring 'DCA' (dollar-cost-averaging) investment and wallet custody, with EUR funding over SEPA via a dedicated IBAN. The research does not indicate staking or a payment-card product. The company also reports holding an AMF digital-asset service provider (DASP) registration (n° E2021-011) predating its MiCA authorisation. Source: Paymium business page
On the legal question, the contracting entity is PAYMIUM SAS, registered in France with its office at 73 rue du Chateau, Boulogne-Billancourt, and its national regulator is the Autorité des Marchés Financiers (AMF). Paymium states that it has obtained a MiCA crypto-asset service provider (CASP) authorisation, which it describes as a milestone for crypto investment in Europe. Source: Paymium legal notice
Under the ESMA register, that MiCA authorisation covers custody and administration of crypto-assets, operating a trading platform, exchange of crypto-assets for funds and for other crypto-assets, execution of orders, and transfer services for clients. It does not extend to MiCA services outside that list, such as placement, reception and transmission of orders, advice or portfolio management of crypto-assets. Sources: Paymium
Which crypto services is PAYMIUM authorised to offer in the EU?
Under its MiCA authorisation issued by Autorité des Marchés Financiers (AMF), PAYMIUM (PAYMIUM SAS) is approved to provide the following services to EEA residents. Each service is defined in Article 3(1)(16) of Regulation (EU) 2023/1114.
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Providing custody and administration of crypto-assets on behalf of clients
The exchange holds your crypto in its own wallets. Authorisation here means MiCA's segregation and insurance rules apply: client crypto-assets must be ring-fenced from the exchange's own funds.
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Exchange of crypto-assets for funds
The exchange offers crypto-to-fiat (e.g. BTC to EUR) and fiat-to-crypto conversion. Authorisation here implies MiCA's pricing transparency requirements.
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Exchange of crypto-assets for other crypto-assets
The exchange offers crypto-to-crypto trading (e.g. BTC to ETH). Required for most spot trading pairs not denominated in fiat.
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Execution of orders for crypto-assets on behalf of clients
The exchange can place orders for you on third-party venues (smart-routing). Less common in retail crypto; relevant for brokerage-style services.
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Providing transfer services for crypto-assets on behalf of clients
The exchange can move crypto between addresses on your behalf, including off-platform withdrawals. The Travel Rule applies to these transfers.
Which services is PAYMIUM not authorised to offer?
PAYMIUM's MiCA licence does not cover: Trading platform, Placing, Order R&T, Advice, Portfolio mgmt. These services may still be offered by other authorised providers, or by PAYMIUM under a different regulatory framework (for example, derivatives may fall under MiFID II rather than MiCA). Source: ESMA Register, retrieved 30 June 2026.
See other MiCA-authorised exchanges by service:
Why is PAYMIUM licensed in France?
France ran one of the EU's earliest national crypto regimes, the PACTE Law DASP (Digital Asset Service Provider) registration, which gave the AMF years of pre-MiCA supervisory experience. The AMF began granting MiCA CASP authorisations in 2025-2026 and also maintains a public white list of CASPs passporting into France from other EEA states. BlockNodes SAS, the French entity behind the SwissBorg consumer brand, received its direct MiCA authorisation from the AMF in March 2026. Source: Autorité des Marchés Financiers (AMF).
| National Competent Authority | Autorité des Marchés Financiers (AMF) |
|---|---|
| Investor compensation | Fonds de Garantie des Dépôts et de Résolution (FGDR); check directly with the AMF for crypto-asset-specific compensation scope. |
| Regulatory context | Early mover on national crypto licensing (PACTE Law) ahead of MiCA; the AMF also publishes a white list of EEA-passported CASPs. |
What does this mean for users of PAYMIUM in the EU?
If you transact through PAYMIUM's EEA-authorised entity (PAYMIUM SAS), the protections introduced by MiCA apply to your relationship from onwards. In practical terms this means: client crypto-assets are ring-fenced from the exchange's own funds (Article 70 MiCA), the authorised entity holds prudential capital, has formal complaint-handling procedures, and is subject to transparency obligations on fees and order execution. Source: Regulation (EU) 2023/1114.
One thing to verify yourself: the legal entity you contract with day-to-day must match the entity in the ESMA register. Some global exchanges operate multiple legal entities under one brand. Confirm in PAYMIUM's terms of service that your contracting entity is PAYMIUM SAS, not a non-EEA affiliate.
Related reading
Understand the regulatory context behind PAYMIUM's entry on the register:
Frequently asked questions about PAYMIUM and MiCA
Is PAYMIUM licensed under MiCA?
Yes. PAYMIUM appears in the ESMA Register of MiCA-Authorised Crypto-Asset Service Providers, with its authorisation issued by the competent authority of France.
Which EU countries can PAYMIUM serve under this licence?
A MiCA authorisation in one EEA member state permits passporting across all EEA member states, subject to a notification process to each host-state regulator.
Are my crypto-assets on PAYMIUM protected under MiCA?
MiCA introduces ring-fencing of client crypto-assets, prudential capital requirements for the authorised entity, complaint-handling obligations, and conduct rules. It does not provide a deposit-guarantee scheme equivalent to bank deposit insurance.
What's the difference between the authorised entity and the global brand?
Some global exchanges operate multiple legal entities. The MiCA authorisation applies only to the specific legal entity in the ESMA register, not to the global brand. Verify the contracting entity in PAYMIUM's terms of service.
Where can I check the official record?
The ESMA register publishes the authoritative list and updates it weekly. The direct link to PAYMIUM's entry is on this page under 'Sources'.
Sources
- ESMA Register of Crypto-Asset Service Providers
- Autorité des Marchés Financiers (AMF)
- ESMA MiCA Register - PAYMIUM (PAYMIUM SAS)
- PAYMIUM official website
- Paymium - official home and MiCA/AMF disclosure
- Paymium legal notice (PAYMIUM SAS, registered office, AMF)
- Paymium business page - SEPA coverage and AMF regulation
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