EU CRYPTO REGISTER · AUTHORISED · LAST VERIFIED
Is XTB Limited licensed under MiCA in the European Union?
XTB Limited's European entity (XTB Limited) is recorded as an authorised Crypto-Asset Service Provider under the EU's Markets in Crypto-Assets Regulation, with its authorisation issued by Cyprus on 15 December 2025.
Verdict: XTB Limited appears in the ESMA Register of MiCA-Authorised CASPs.
| Legal entity | XTB Limited |
|---|---|
| Home Member State | Cyprus |
| National Competent Authority | Cyprus Securities and Exchange Commission (CySEC) |
| Authorisation date | |
| Legal Entity Identifier (LEI) | 259400HM2TR4U3LF5D43 |
| Authorised services |
Source: ESMA Register of Crypto-Asset Service Providers. Retrieved 30 June 2026.
About XTB Limited
XTB Limited is the Cyprus-based entity of the XTB Group, an investment firm whose app offers stocks and ETFs CFDs, forex, options and a dedicated crypto product. On its Cyprus site, XTB markets a way to 'buy and sell crypto 24/7 in a trusted, intuitive app' and keep crypto assets alongside other investments in one place. XTB states the broader XTB Group has been on the market for more than 20 years and serves over 2.5 million clients worldwide. Source: XTB Cyprus - crypto
According to the research, the crypto service is multi-asset spot trading covering Bitcoin, Ethereum, Solana, Cardano, XRP and other coins, rather than a Bitcoin-only product. The research indicates the offering is limited to spot trading inside the XTB app with no separate custody, savings/DCA, staking or card services, and that crypto is held in the user account without a storage fee. Fiat deposits and withdrawals are supported, with client funds described as held in segregated bank accounts. Sources: XTB Cyprus - crypto, XTB Cyprus - legal information
The contracting legal entity is XTB Limited, headquartered at Pikioni 10, Limassol, Cyprus, and authorised and regulated by the Cyprus Securities and Exchange Commission (CySEC), the Cypriot competent authority, under CIF Licence No. 169/12. The research indicates that CySEC authorised XTB Limited to provide crypto-asset services under the EU Markets in Crypto-Assets Regulation (MiCA) in 2025, making it a MiCA Crypto-Asset Service Provider (CASP). On the question 'Is XTB Limited licensed under MiCA in the EU?', the research supports a yes for crypto-asset services provided through this Cyprus entity under CySEC supervision. Sources: XTB Cyprus - legal information, AMF France - XTB Limited MiCA notification
One caveat: the underlying record does not list the specific ESMA MiCA service codes XTB Limited is authorised for, so this page does not enumerate the exact authorised services. Based on the research, the offering centres on crypto trading and execution on the spot market, and does not include custody, staking, savings or card products. CFD instruments such as crypto CFDs are a separate, leveraged product governed by MiFID rules rather than MiCA, and should not be confused with the spot crypto-asset service that MiCA covers. Source: XTB Cyprus - legal information
Which crypto services is XTB Limited authorised to offer in the EU?
Under its MiCA authorisation issued by Cyprus Securities and Exchange Commission (CySEC), XTB Limited (XTB Limited) is approved to provide the following services to EEA residents. Each service is defined in Article 3(1)(16) of Regulation (EU) 2023/1114.
Which services is XTB Limited not authorised to offer?
XTB Limited's MiCA licence does not cover: Custody, Trading platform, Exchange for funds, Exchange for crypto, Order execution, Placing, Order R&T, Advice, Portfolio mgmt, Transfer services. These services may still be offered by other authorised providers, or by XTB Limited under a different regulatory framework (for example, derivatives may fall under MiFID II rather than MiCA). Source: ESMA Register, retrieved 30 June 2026.
Why is XTB Limited licensed in Cyprus?
CySEC has a long history in fintech and CFD broker regulation; the Cyprus framework appeals to firms targeting retail with marketing-heavy models. Revolut's Digital Assets entity authorised here in October 2025. Source: Cyprus Securities and Exchange Commission (CySEC).
| National Competent Authority | Cyprus Securities and Exchange Commission (CySEC) |
|---|---|
| Investor compensation | Cyprus Investor Compensation Fund up to €20,000. |
| Regulatory context | Long history with CFDs and retail-targeted financial products. |
What does this mean for users of XTB Limited in the EU?
If you transact through XTB Limited's EEA-authorised entity (XTB Limited), 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 XTB Limited's terms of service that your contracting entity is XTB Limited, not a non-EEA affiliate.
Which MiCA-authorised exchanges are alternatives to XTB Limited?
Three MiCA-authorised providers to consider. Drawn from the ESMA register, never paid placement.
| Provider | Home Member State | Authorised | Services |
|---|---|---|---|
| Alaric Securities | Bulgaria | 9 services | |
| OKX | Malta | 9 services | |
| Kraken | Ireland | 8 services |
Related reading
Understand the regulatory context behind XTB Limited's entry on the register:
Frequently asked questions about XTB Limited and MiCA
Is XTB Limited licensed under MiCA?
Yes. XTB Limited appears in the ESMA Register of MiCA-Authorised Crypto-Asset Service Providers, with its authorisation issued by the competent authority of Cyprus.
Which EU countries can XTB Limited 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 XTB Limited 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 XTB Limited'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 XTB Limited's entry is on this page under 'Sources'.
Sources
- ESMA Register of Crypto-Asset Service Providers
- Cyprus Securities and Exchange Commission (CySEC)
- ESMA MiCA Register - XTB Limited (XTB Limited)
- XTB Limited official website
- XTB Cyprus - crypto
- XTB Cyprus - legal information (CySEC licence, registered address)
- AMF France - XTB Limited MiCA notification PDF
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