CryptoCurrency
MiCA-Ready White Label Crypto Exchange For France
Banque Populaire Caisse d’Epargne (BPCE), a major French banking group, has launched crypto trading services starting December 8, 2024, targeting 12M retail customers in 2026. The regulated institutions in France aren’t therefore testing the waters anymore but diving into it. And why won’t they…
- 6.5 million French people (12% of the population) held cryptocurrencies in 2024.
- France, with 84% crypto awareness, stands among the top 5 countries within Europe (EU) in terms of total value received, which was $180.1 billion between July 2024 and June 2025.
- One in five French people claim that they’ll ditch banks for “crypto-friendly” institutions.
What BPCE has done is simple but decisive. They brought crypto exchange software inside the regulated banking rails, priced, governed, and audited like any other financial product. Bitcoin, Ethereum, Solana, and USDC are embedded directly into the banking app, backed by a €2.99 monthly fee and 1.5% commissions.
“Financial institutions that delay are no longer being cautious, but they are surrendering relevance.”
Why MiCA-Compliant White Label Crypto Exchange is the Only Sensible Route in 2026
Launching a compliant cryptocurrency exchange software platform from scratch typically takes 12-18 months and costs $500k to $1 million or more. This figure is exclusive of ongoing costs that include compliance audits, security reviews, surveillance tooling, custody integrations, and regulator engagement. For the MiCA greenlight, businesses need to consider all of these before the launch as they assess these factors.
White label cryptocurrency exchange development solutions compress this timeline to 60 days and are priced at a fraction of the custom development cost. Businesses and financial institutions need not sacrifice institutional control or brand ownership when leveraging these turnkey solutions. With white label centralized exchange development, custody, governance, and listing authority can remain with the institutions.
“45% of MiCA applications face rejection due to gaps in surveillance, custody, segregation, or operational resilience.”
Antier, a leading white label cryptocurrency exchange development company, offers a MiCA-ready, ready-to-deploy solution that helps businesses navigate the complex guidelines.
Why PSAN Registration Is Not Enough For Launching Crypto Exchange in France ?
PSAN is a transitional national regime in France. MiCA is now the mandatory end-state authorization for CASPs across the EU. Existing PSAN registrations may continue only during the MiCA transitional period (until 30 June 2026), subject to MiCA authorisation.
| Dimension | PSAN (France – Transitional Regime) | MiCA (EU-Wide Framework) |
|---|---|---|
| Regulatory Scope | France-only transitional registration (sunsetting) | EU-wide authorisation with passporting rights |
| Market Abuse Controls | Limited, largely procedural (pre-MiCA standards) | Mandatory real-time surveillance and reporting (Arts. 87–92) |
| Custody Rules | Segregation required, but not bankruptcy-remote by design | Bankruptcy-remote, provable on-chain segregation (Art. 70) |
| Proof of Reserves | Not mandated; discretionary or voluntary | Expected by regulators, auditors, and institutional clients |
| Token Listing Liability | Limited issuer and platform liability | Exchange fully liable for listed assets and disclosures (Arts. 4–15) |
| Travel Rule Enforcement | Not natively enforced at the protocol level | Native IVMS-101 enforcement required |
| Operational Resilience | National IT security expectations (pre-DORA) | DORA-aligned uptime, disaster recovery, and incident response |
| Audit Readiness | Periodic, event-driven supervision | Continuous, regulator-on-demand auditability |
| Licensing Competition | Lower entry threshold; high volume of registrants | Scarce approvals with heightened supervisory scrutiny |
| Strategic Value | Transitional compliance continuity | Revenue-grade, scalable EU market access |
What Does “MiCA-Compliant White Label Cryptocurrency Exchange” Actually Mean?
- Market Abuse Surveillance (MiCA Articles 87–92)
MiCA makes cryptocurrency exchange software legally responsible for detecting and reporting market manipulation and illegal transactions. This includes wash trading, spoofing, front-running, price manipulation, and $40.9 – $51 billion illicit flows (2024).
The MiCA-ready white label cryptocurrency exchange software includes a real-time surveillance engine comparable to traditional market infrastructure. Suspicious activity is flagged automatically, reports are generated instantly, and audit trails are immutable.
If the AMF asks, “What caused this price spike?” the system must answer immediately, not after a manual review.
- Bankruptcy-Remote Custody & Asset Segregation (Article 70)
Post-FTX, MiCA mandates strict separation of client assets from corporate funds. Co-mingling is no longer a gray area as per the France’s guidelines but a violation. With over €26 billion in French household crypto holdings, custody failures now carry systemic reputational risk.
Institutional-grade white label exchange software platforms enforce on-chain segregation at the ledger level and support cryptographic “Proof of Reserves” using Merkle trees. Client assets remain intact even if the operator, provider, or counterparty fails. The cryptocurrency exchange security must therefore survive insolvency, litigation, and provider failure, by design.
- Native Travel Rule Compliance
MiCA does not operate in isolation. The EU’s Transfer of Funds Regulation (TFR) requires identity data to travel with crypto transfers across 99 jurisdictions.
A MiCA-ready white label crypto exchange software embeds IVMS-101 messaging directly into the withdrawal flow. Transactions lacking beneficiary data are frozen automatically. Sanctioned counterparties are blocked in real time. This matters because AML failures already triggered $1.23 billion in 139 regulatory penalties in early 2025.
- DORA-Compliant Operational Resilience
French institutions are also subject to DORA, which treats operational outages as compliance failures, not IT mishaps. With regulatory audits up more than 60% in some EU markets, downtime now has legal consequences. If your trading platform goes dark, your license is at risk.
White label crypto exchange software development must demonstrate:
- ISO 27001-aligned security
- Hot or warm failover infrastructure
- Tested disaster recovery plans
- Incident response documentation
“If your crypto trading platform goes dark, your license is what’s at risk.”
- Token Admission & Listing Governance (Articles 4–15)
Under MiCA, cryptocurrency exchange software are accountable for the assets they list. This prevents accidental non-compliance, a common reason behind MiCA application rejections.
A compliant white label exchange software platform enforces formal listing workflows including mandatory whitepaper linkage, internal approvals, and rule-based activation. In such turnkey exchange designs, tokens cannot be enabled without regulatory documentation.
“If you list it, you own the risk. The white label exchange software must make it impossible to forget.”
Is Your White Label Exchange Partner Actually MiCA-Ready?
Before committing to a white label cryptocurrency exchange development company, decision-makers should demand clear answers:
- Surveillance: Is market abuse detection automated and auditable?
- Segregation: Are client assets provably separated on-chain?
- Transparency: Can pre- and post-trade data be produced instantly?
- Resilience: Is the platform DORA-aligned with recovery SLAs?
- Travel Rule: Is IVMS-101 enforcement native, not bolted on?
If the answer to any of these is “we’ll integrate later,” walk away.
Why Financial Institutions Must Integrate or Launch Crypto Exchange Software in 2026 ?
Crypto trading is no longer a speculative add-on. It is retention, fee, and data infrastructure. When digital assets stay on-platform, along with the traditional assets, engagement deepens.
When crypto-related products sit inside trusted financial apps, usage follows.
When regulation is embedded into the technology, growth becomes defensible.
For regulated French institutions, the question is no longer if crypto trading belongs inside your ecosystem, but how fast they can launch without getting the regulations and technology wrong.
The regulatory challenges kick in…
As of early 2025, France had issued only eight MiCA approvals, compared to Germany’s twenty. Applications are rising sharply, and 75% of existing VASPs risk losing operational status once transitional periods expire.
So, before the licensing becomes crowded, early movers must secure the regulator mindshare, user loyalty, and distribution advantages. Late entrants surely cannot buy back this opportunity. BPCE got it; next can be you.
Why Institutions Choose Antier to Launch MiCA-Ready Crypto Trading ?
The bolt-ons and experimentations don’t work for MiCA. At Antier, we deliver compliance-first white label cryptocurrency exchange software, built for institutions that cannot afford missteps.
Our MiCA-ready white label crypto exchange platform is designed for:
- Banks and financial institutions are upgrading from PSAN to EU-wide operations
- Asset managers and fintechs seeking compliant crypto distribution
- Enterprises that want speed without surrendering control
With Antier, you get:
- Embedded market abuse surveillance aligned with MiCA Articles 87–92
- Bankruptcy-remote custody architecture with provable asset segregation
- Native Travel Rule enforcement (no third-party patchwork)
- DORA-aligned infrastructure with institutional uptime guarantees
- A launch timeline measured in weeks, not years
We’ve delivered 250+ exchange deployments, supported by 700+ blockchain and fintech engineers, and built systems designed to pass regulator scrutiny.
BPCE proved what’s possible at scale. Antier enables institutions to get there faster, safer, and fully compliant with regulatory-grade trading infrastructure.
Frequently Asked Questions
01. When did Banque Populaire Caisse d’Epargne (BPCE) launch its crypto trading services?
BPCE launched its crypto trading services on December 8, 2024.
02. What cryptocurrencies are available through BPCE’s banking app?
BPCE’s banking app offers Bitcoin, Ethereum, Solana, and USDC.
03. What is the significance of MiCA compliance for cryptocurrency exchanges in France?
MiCA compliance is mandatory for crypto asset service providers (CASPs) in France, ensuring that exchanges meet regulatory standards for surveillance, custody, and operational resilience.
