Track and verify client crypto and fiat assets held in segregated accounts per MiCA Art. 70
Load example scenarios:
All crypto in compliant custody (Art. 70(1))
All fiat in segregated accounts (Art. 70(3))
€500,000 coverage
Art. 67(4) allows own funds, insurance or a combination; this POC requires insurance > 0 (policy)
€123,500
Crypto: €43,500 | Fiat: €80,000
Implemented: Art. 70 — Clients' crypto-assets and funds must be safeguarded and never used for the CASP's own account. This POC validates that client holdings are in compliant custody types (CASP segregated wallets, Art. 75(7), or another CASP authorised for custody, Art. 75(9), for crypto; separately identifiable accounts at a credit institution or central bank for funds, by the end of the next business day — Art. 70(3)).
Implemented: Art. 75(5) — Statement of position for clients (required at least once every three months), with segregation confirmation.
Implemented: Art. 67(4)(b) — Insurance policy or comparable guarantee as a form of prudential safeguard (validated as a POC policy).
Out of scope: Art. 70(1) — Real blockchain verification of CASP's own wallet segregation. POC assumes input data is accurate.
Out of scope: Real insurance provider integration or certificate validation.
Out of scope: Crypto custody audit trail or transaction history.