In 2025, there will be big changes for French investors in cryptocurrencies, with the arrival of the MiCA regulation which represents a new era in the world of DeFi. By implementing stricter rules, the MiCA regulations will also provide opportunities for investors who will be able to navigate in a more transparent and secure environment.
What changes will the MiCA regulation bring to French crypto investors? What are the advantages and disadvantages of MiCA for crypto investors? Discover in detail the impacts of the MiCA regulation: from key changes to its practical application, including the opportunities it opens up for those who want to invest in cryptocurrencies in 2025.
What is the MiCA regulation?
The MiCA (Markets in Crypto-Assets) regulation is a European initiative which aims to regulate the cryptocurrency market to make it safer and more transparent. This will be a standardized regulation at European level, a bit like what was done with the MiFID 2 directive for traditional finance.
MiCA is aimed at both investors and companies issuing crypto-assets. Concretely, MiCA imposes rules to protect users, such as transparency requirements on crypto projects (ICO), supervision of stablecoins, and security standards for crypto exchange platforms. This means, for example, that crypto investors will be able to better assess risks before investing and benefit from better protection against crypto scams or bankruptcies.
In conclusion, MiCA aims to reassure and structure the crypto market while promoting its large-scale adoption within a clear legal framework.
Also read our guide 10 cryptocurrencies to follow in 2025
MiCA: what changes for crypto investors in France?
The MiCA regulation will have a direct impact on crypto investors in France, as certain offers may no longer be available in Europe due to the new requirements. But let’s see concretely what the changes will be.
Increased transparency and enhanced protection with MiCA regulations
With the MiCA regulation, several changes will make the world of cryptocurrencies safer and more transparent for investors. First of all, crypto projects will have to provide clear and detailed information on what they offer, a bit like an identity card (or like a KIID). This includes explanations of the technology used, the project objectives, and the associated risks. This transparency will allow investors to better understand where they are putting their money and avoid questionable projects.
Then, MiCA imposes strict rules on crypto exchange platforms (crypto exchanges), so that they better protect their users. For example, crypto brokers will have to clearly separate client funds from their own accounting (segregated accounts), which reduces the risk of investors losing their money in the event of a problem on the crypto platform. These measures aim to build trust and secure transactions, even for those new to crypto investing.
MiCA: simplification or complication for crypto investors?
The MiCA regulation will bring both simplifications and some new constraints for crypto investors. In terms of facilities, it will make the crypto market easier to understand and better secure, in particular thanks to clear information on the projects and better supervised platforms. This will allow investors to make fully informed decisions, and with less risk of being trapped.
However, MiCA could also introduce complications, in particular by limiting access to certain offers or services which do not comply with the new European standards. For example, certain projects or platforms located outside of Europe could decide not to comply with MiCA rules, making their services unavailable in France. In summary, MiCA provides better structure for the crypto market, but it could also reduce the supply of options available to investors.
Also see our article The 8 best applications for tracking cryptos
What is the impact of MiCA regulation on stablecoins?
The MiCA regulation will have a particularly significant impact on stablecoins, establishing strict rules for their issuance and use.
Let’s find out what a Stablecoin is from a legal point of view and what the new rules will be.
A clearer legal definition of stablecoins
A stablecoin is a type of cryptocurrency designed to have a stable value, often pegged to a traditional currency like the euro or dollar, or other assets like gold. Unlike classic cryptocurrencies like Bitcoin, whose prices can fluctuate greatly, stablecoins are designed to offer an alternative with less volatility.
They are often used to facilitate payments or the rapid transfer of funds, but also to quickly take profits on a crypto position (BTC for example). According to MiCA regulations, a stablecoin is defined as a digital asset whose value is linked to that of one or more underlying assets. This legal definition aims to clarify what a stablecoin is and to better regulate the companies that issue them, in order to guarantee their reliability and the protection of users.
Strict regulation of stablecoin issuers
With MiCA regulations, stablecoin issuers will have to follow strict rules to ensure the security of users and the stability of the currencies they create. Concretely, they will have to prove that they have sufficient reserves to cover the value of the stablecoins in circulation. For example, if a stablecoin is pegged to the euro, the issuer will need to have the equivalent in euros or safe assets to ensure that each stablecoin can be exchanged at any time for its real value.
In addition to this, they will have to be transparent about their operation, by regularly publishing reports on their reserves and their management. Issuers will also have to register and be supervised by the competent authorities in the European Union. These measures aim to avoid scams and reassure users by offering them more guarantees on the reliability of the stablecoins they use.
Also discover our article Cryptocurrency: what taxation? How to declare?
What are the advantages and disadvantages of MiCA for French crypto investors?
As with any measure integrating the implementation of new standards to be respected, it involves advantages and disadvantages for French investors.
What are the advantages of MiCA regulations?
MiCA regulations bring major benefits for investors in cryptocurrencies, particularly in terms of security and trust. By strictly regulating crypto platforms and projects, it aims to minimize the risks of scams and scandals that have marked the sector in recent years.
With clear rules and better supervision, even novice crypto investors will be able to enter the world of cryptocurrencies without needing to be an expert. They will benefit from a solid legal framework that protects their funds and guarantees increased transparency of crypto market participants. By making crypto investments more secure and accessible, MiCA is paving the way for broader and calmer adoption of this promising technology.
What are the disadvantages of MiCA regulations?
The MiCA regulations also present some disadvantages for crypto investors. The main thing is that certain crypto projects or platforms, even serious ones, may not comply with the new European standards. This means that they will no longer be accessible to French investors. This restriction can be seen as a constraint, as it limits the investment options available.
However, it is important to understand that projects or platforms that do not comply with MiCA requirements will remain, despite their apparent seriousness, (too) risky investments. By imposing strict rules, MiCA aims to eliminate the most significant risks to provide a safer environment, even if this means sacrificing access to certain projects.
Also read our article 6 ways to make money with cryptocurrencies
How to invest in crypto in 2025 with the entry into force of MiCA?
With the entry into force of the MiCA regulation in 2025, French investors will have to adapt to some new rules to continue to invest calmly in cryptocurrencies. The first step will be to verify that the crypto broker or crypto exchange platform used is at least registered as a Digital Asset Service Provider (PSAN) with the French authorities (AMF), a status which will facilitate the transition to adoption. MiCA standards. Note that all of the crypto brokers presented on Café de la Bourse are PSAN registered.
If you are using a foreign or exotic platform, it will be crucial to check that your cryptocurrencies and your account are not at risk of being blocked or closed in 2025 due to the non-compliance of the crypto platform. Also take the time to review your investments, ensure your assets are on compliant crypto platforms, and stay informed of regulatory updates.
These adjustments, although a little restrictive, will be largely beneficial for investors. By establishing a safer and more transparent legal framework, MiCA is expected to encourage the entry of large institutional investors into the European cryptocurrency market, thereby strengthening the legitimacy of cryptocurrencies and supporting their long-term upward trend.
Also see our article Bitcoin at $100,000, what next?
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