licencemap
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Matrix / Poland

πŸ‡΅πŸ‡± Poland

No functioning MiCA CASP regime β€” enabling law vetoed three times, KNF unable to authorise anyone as of July 2026

Crypto (CASP) E-Money (EMI)
Last verified 2026-07-02 Next review 2026-07-16

Data verified: oldest cell 1 day ago (verified 2026-07-02). Individual cells show their own verification date below.

Licence type

Authorisation as a national electronic money institution (krajowa instytucja pieniΔ…dza elektronicznego), Poland's EMD2 transposition, granted and supervised by KNF, with entry into KNF's public register of payment service providers and e-money issuers (e-rup.knf.gov.pl)

Verified 2026-07-02 Source: KNF register: https://www.knf.gov.pl/dla_rynku/procesy_licencyjne/platniczy/informacje_ogolne/rejestr

Regulator

Polish Financial Supervision Authority (Komisja Nadzoru Finansowego, KNF)

Verified 2026-07-02 Source: KNF: https://www.knf.gov.pl/dla_rynku/procesy_licencyjne/platniczy/informacje_ogolne/rejestr

Capital requirement πŸ”’

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Timeline to authorisation πŸ”’

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Local substance πŸ”’

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Application cost πŸ”’

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Ongoing cost πŸ”’

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Passporting πŸ”’

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EMIs authorised πŸ”’

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Key restrictions πŸ”’

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Safeguarding πŸ”’

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Recent changes

PSD3 and the PSR will merge the payment institution and EMI regimes into one licence that can issue e-money. Final texts published 23 April 2026, applicability targeted around 2028; existing EMIs are grandfathered but must update their file.

Verified 2026-07-02 Source: EU

Difficulty rating πŸ”’

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Informational only, not legal advice. Entries marked as placeholder or awaiting verification must not be relied on. Confirm all requirements with Poland's regulator and qualified local counsel before acting.