Rule packsEuropean UnionNational competent authorities under ESMA and EBA
MiCA CASP
MiCA requires crypto-asset service providers to be authorised by a national competent authority, and the EU AML package applies the full AML/CFT regime to them alongside it. This pack sets onboarding evidence to that combined baseline: authorisation and legal existence evidenced from an official registry, beneficial owners identified to the EU threshold, and the ownership chain resolved to natural persons.
Rules (5)
CASPs are authorised entities, evidenced from the registry
legal_existence must be evidenced by an official registry document.
MiCA requires a crypto-asset service provider to be authorised by a national competent authority before providing services in the Union. Authorisation and legal existence are matters of public record, so a self-produced document does not satisfy the requirement.
Beneficial owners identified at 25 percent
UBO threshold set to 25 percent.
The EU Anti-Money Laundering Regulation carries the beneficial ownership regime that applies to obliged entities, crypto-asset service providers included, with ownership of 25 percent or more as the threshold indication of beneficial ownership.
The ownership chain is resolved to natural persons
ownership_chain and control are required facts for entity customers.
Identifying a corporate shareholder is not identifying a beneficial owner. The chain has to be followed through intermediate entities until natural persons are reached, and the result recorded.
CASPs are obliged entities for AML/CFT purposes
The full entity evidence set applies, including source of funds.
Crypto-asset service providers are obliged entities under the EU AML framework, so customer due diligence, ongoing monitoring and record keeping apply to them in the same way as to a payment institution.
Registered address evidence kept current
registered_address evidence expires after 90 days.
Customer information must be kept up to date rather than frozen at onboarding. Ninety days is the working freshness window this pack applies to address evidence.
This pack is a starting point, not legal advice. It sets ClearSet’s onboarding evidence requirements to a defensible baseline for the regime, and every rule stays editable in your settings with each change recorded in the audit trail.
Start with the MiCA CASP pack already applied.
Pick it during setup and your first assessment runs against these rules. Change any of them afterwards; every change is recorded.