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European Banking Authority

European Union agency that writes banking standards and monitors risks across the EU banking sector.

Known aliases

  • EBA

Current stories

investConfirmed5 publishers

EBA will directly supervise USDC from November 12 after classing it a significant e-money token

EBA has classified Circle's USDC as a significant e-money token under MiCA, with joint EBA and ACPR supervision from November 12. The EBA takes direct responsibility for Circle's own funds, reserves, liquidity and redemption plans.

Perspective Coverage

5 publishers
Builder
Builder 22%
Operator
Operator 47%
Investor
Investor 31%

Reality

Evidence82
Adoption
Not scored
Hype gap+8
Incentives30
Confidence80
investOne report1 publisher

ESMA tells MiCA-authorised crypto firms to drop non-compliant stablecoins by 8 January 2027

ESMA told national regulators to have MiCA-authorised crypto firms stop servicing non-compliant stablecoins by 8 January 2027. The notice is supervisory guidance, so the date binds only as far as each national authority enforces it.

Publishers:thepaypers.com

Reality

Evidence55
Adoption
Not scored
Hype gap+10
Incentives
Not scored
Confidence55
investConfirmed8 publishers

ESMA gives MiCA-authorized crypto firms until Jan. 8, 2027 to exit non-compliant stablecoins

ESMA told national regulators to make MiCA-authorized crypto firms clear their remaining exposure to non-compliant stablecoins by Jan. 8, 2027. New buying stops first, so the three months are an exit window in which platforms find out whether client balances get converted in-house or withdrawn.

Perspective Coverage

8 publishers
Builder
Builder 19%
Operator
Operator 51%
Investor
Investor 30%

Reality

Evidence85
Adoption55
Hype gap+10
Incentives30
Confidence80
investConfirmed2 publishers

Most of Washington's $215 million quantum prize pays only after teams reach 100 logical qubits

President Trump's administration put up to $215 million behind a fault-tolerant quantum computing contest in a science package of more than $6 billion. Nearly all of it pays out only after a team has a working error-corrected machine, so startups still fund the build privately.

Reality

Evidence55
Adoption
Not scored
Hype gap+35
Incentives40
Confidence58
investOne report1 publisher

Circle asks Brussels to admit foreign-regulated stablecoins through an equivalence test

Circle says only 3 of the 25 largest stablecoins are regulated under MiCA and wants foreign issuers recognised through an equivalence test. Its case against the bank-deposit reserve rule matches Tether's, while the EBA wants tighter rules on foreign structures.

Publishers:cryptoslate.com

Reality

Evidence45
Adoption12
Hype gap+5
Incentives70
Confidence50
scienceConfirmed5 publishers

Circle urges the EU to replace MiCA's bank-deposit minimum for stablecoin reserves

Circle told the European Commission that only 3 of the world's top 25 stablecoins are authorized under MiCA, in its response to the law's review. Circle issues two of the three, and it ties the gap to bank-deposit and concentration rules it wants loosened.

Perspective Coverage

5 publishers
Builder
Builder 18%
Operator
Operator 42%
Investor
Investor 40%

Reality

Evidence60
Adoption30
Hype gap+20
Incentives80
Confidence65
investOne report1 publisher

ECB and EBA want MiCA to ban stablecoin yield and vet DeFi protocols, Aave's Kulechov says

Aave founder Stani Kulechov says the ECB and EBA want the Commission's MiCA review to ban stablecoin yield and tighten DeFi access. By his account, EU providers would keep DeFi access only for users who pass suitability tests, and perhaps only to protocols the authorities certify.

Reality

Evidence30
Adoption
Not scored
Hype gap+20
Incentives80
Confidence35
investOne report1 publisher

Europe's central banks ask Brussels to extend MiCA's stablecoin yield ban to lending and staking

Europe's central banks asked Brussels to extend MiCA's stablecoin interest ban to lending and staking, a move a campaign says 50,000-plus citizens opposed. A ban that reaches borrower-paid returns could leave euro-regulated tokens unable to match perks offered by dollar stablecoins.

Reality

Evidence40
Adoption
Not scored
Hype gap+20
Incentives70
Confidence50
investOne report1 publisher

ESMA would license the exchanges and wallets that route EU users into DeFi

ESMA proposed a new regulated MiCA service for firms that give users access to DeFi, a sector the EBA and ESMA put at about 4% of global crypto value. Exchanges and wallet apps serving EU users would carry the compliance cost, while the protocol code itself stays outside the regime.

Reality

Evidence45
Adoption
Not scored
Hype gap+20
Incentives
Not scored
Confidence40
investConfirmed3 publishers

Hackers priced 680 Revolut customer files at roughly $4,300 each

The group calling itself iamnotavillain wants 6,000 Monero within 24 hours and Revolut says no demand has reached it. The data went out through a government email account the bank was obliged to answer.

Perspective Coverage

3 publishers
Builder
Builder 22%
Operator
Operator 51%
Investor
Investor 27%

Reality

Evidence55
Adoption
Not scored
Hype gap+10
Incentives60
Confidence55
investOne report1 publisher

European Banking Authority asks the Commission to weigh bringing crypto lending under MiCA

EBA asks the European Commission to weigh bringing crypto lending, found in at least 16 member states, under MiCA's regulated services. Its formal request is a cost-benefit study first, so suitability tests and leverage caps remain options.

Reality

Evidence55
Adoption30
Hype gap+15
Incentives
Not scored
Confidence50
investConfirmed3 publishers

The ECB asks Brussels to delete MiCA's 60% bank-deposit floor for stablecoin reserves

The ECB's September 22 submission to the Commission's MiCA consultation asks for the deposit percentages to go, with reserve assets instead having to mature within one to five working days. Significant token issuers currently park 60% in banks.

Perspective Coverage

3 publishers
Builder
Builder 10%
Operator
Operator 55%
Investor
Investor 35%

Reality

Evidence72
Adoption12
Hype gap+20
Incentives50
Confidence70
investOne report1 publisher

EU supervisors rank foreign dependence ahead of a private credit book at 0.6% of bank assets

The Joint Committee of the EBA, EIOPA and ESMA handed EU governments an autumn risk update that puts reliance on non-EU ICT, clearing, ratings and foreign-currency funding at the top, with AI-enabled attacks and quantum next.

Reality

Evidence45
Adoption30
Hype gap+30
Incentives55
Confidence45