Swiss digital asset bank AMINA has achieved a significant regulatory milestone by securing a MiCA licence from Austria’s Financial Market Authority (FMA). Moreover, this authorization enables the bank to provide comprehensive cryptocurrency services across all European Union member states through its newly established Austrian subsidiary, AMINA EU.
Furthermore, the licence permits AMINA EU to offer crypto trading, custody, portfolio management services, and staking to professional investors, including family offices, corporates, and financial institutions. Additionally, Austria’s approval represents a strategic entry point for the bank’s European expansion plans under the Markets in Crypto Assets regulatory framework.
🎉 It’s official — AMINA is expanding into the EU!
— AMINA Bank (@AMINABankGlobal) November 3, 2025
In another #AMINAFirst, today, AMINA becomes the first international crypto banking group to receive a MiCA license, granted by Austria’s Financial Market Authority (FMA) to our wholly owned subsidiary AMINA (Austria) AG.… pic.twitter.com/hOfhwtzWfm
AMINA’s Banking Evolution and Global Presence
AMINA Bank, formerly known as SEBA Bank, operates as one of the world’s first fully regulated crypto banks. The institution holds a comprehensive banking licence from Switzerland’s Financial Market Supervisory Authority (FINMA), establishing its credibility in the digital asset space. Similarly, the bank has expanded its global footprint with crypto licences in Hong Kong and Abu Dhabi, demonstrating its commitment to regulatory compliance across multiple jurisdictions.
The bank serves professional investors, companies, family offices, and institutions through partnerships with established financial institutions such as Julius Baer and LGT Bank. Franz Bergmueller, CEO of AMINA Bank, explained their comprehensive approach: ‘We offer everything from bank accounts to crypto-bank loans, all done in a regulated way.’ Furthermore, the institution has developed innovative tokenization products, with their gold token product experiencing significant growth in recent months.
MiCA Framework Significance for Crypto Banking
The Markets in Crypto Assets regulation represents the European Union’s comprehensive approach to crypto regulation, becoming fully effective in 2025. MiCA establishes rules on transparency, consumer protection, and operational standards for crypto service providers, creating a unified regulatory framework across all EU member states. This regulation covers crypto-asset issuers, stablecoin issuers, and crypto-asset service providers, ensuring legal certainty and market integrity.
The framework represents a significant evolution in crypto regulation, moving the industry from fragmented national approaches to a harmonized European standard. However, MiCA implementation has faced some challenges, with Austria’s FMA joining French and Italian regulators in calling for tighter EU control in September. Despite these concerns, the regulation provides a solid foundation for legitimate crypto businesses to operate across Europe with clear compliance requirements.
European Crypto Market Development
AMINA’s MiCA licence approval signals broader maturation within the European crypto banking sector. The bank’s regulated approach to digital asset services positions it advantageously as institutional investors increasingly seek compliant crypto exposure. With services ranging from traditional banking to advanced tokenization, AMINA demonstrates how traditional financial institutions can successfully integrate digital asset capabilities.
The bank’s European expansion through Austria creates opportunities for further gvrowth across the continent. As CEO Bergmueller noted, ‘Three years back, I was positively shocked that Europe could agree on crypto.’ This regulatory clarity enables institutional-grade crypto services while maintaining the high standards expected by professional investors. Follow Genfinity for continued updates on European crypto regulation and institutional adoption developments.
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