Crypto License in Malta – A Complete Guide (2025)

Introduction

Malta has positioned itself as a leading crypto-friendly jurisdiction, offering a robust regulatory framework for Virtual Financial Asset (VFA) services under the Virtual Financial Assets Act (VFAA). With the Malta Financial Services Authority (MFSA) overseeing crypto licensing, Malta ensures a secure and compliant environment for businesses seeking regulatory clarity.

Why Choose Malta for Your Crypto Business?

  • MiCA Compliance & EU Recognition – Full alignment with EU regulations for cross-border operations.
  • Favorable Tax Regime – Competitive tax benefits, making Malta attractive for crypto firms.
  • Strong Legal Framework – Transparent and structured licensing process ensuring business stability.

 

 

Comprehensive Service Packages for Establishing a Crypto-Licensed Company in Malta

Custom Package upon request

  • ✔ Free consultation with FinTech lawyers
  • ✔ Guidance and information on licensing requirements
  • ✔ Turnkey Company Formation in Malta
  • ✔ Registered legal company address for 1 year
  • ✔ Registration as CASP with the Regulator
  • ✔ Full communication with the regulator for obtaining a CASP license
  • ✔ Corporate documents
  • ✔ Extended AML/KYC policy implementation
  • ✔ Legal Support throughout the entire project
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Additional services available upon request

  • ✔ Assistance in hiring AML/MLRO officers
  • ✔ Translated and apostilled corporate documents
  • ✔ Local accounting filing services
  • ✔ Assistance in hiring compliance officers and directors
  • ✔ Business plan
  • ✔ Legal framework for launching Your Token
  • ✔ Opening of corporate account
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Ready-Made solution upon request

  • ✔ Registered company
  • ✔ Registered legal company address for 1 year
  • ✔ Active license
  • ✔ Corporate documents
  • ✔ Assistance with transfer of ownership
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Types of Crypto Licenses in Malta

Malta offers four classes of Virtual Financial Asset (VFA) licenses, catering to different business models:

Class 1 License

  • Permitted Activities: Investment advice & receiving/transmitting orders.
  • Capital Requirement: €50,000 or €25,000 (if covered by insurance).
  • Application Fee: €6,000
  • Annual Fee: Starts at €5,500 (scales with revenue).

Class 2 License

  • Permitted Activities: Executing orders, dealing on own account, portfolio management.
  • Capital Requirement: €125,000
  • Application Fee: €10,000
  • Annual Fee: Starts at €9,000 (scales with revenue).

Class 3 License

  • Permitted Activities: Operating a VFA exchange (without controlling client assets).
  • Capital Requirement: €730,000
  • Application Fee: €14,000
  • Annual Fee: Starts at €12,000 (scales with revenue).

Class 4 License

  • Permitted Activities: Full-service VFA exchange (with custody of client assets).
  • Capital Requirement: €730,000
  • Application Fee: €24,000
  • Annual Fee: Starts at €50,000 (scales with revenue).

Each license class has specific regulatory obligations tailored to different business models.

Step-by-Step Process to Obtain a Crypto License in Malta

1. Register a Company in Malta

  • Requirement: Incorporate a Limited Liability Company (LLC) under Malta’s Companies Act.
  • Timeline: 5 – 10 business days
  • Cost: Varies based on legal fees and administrative setup.

2. Open a Corporate Bank Account

  • Requirement: Essential for capital deposits and crypto transactions.
  • Timeline: Varies based on banking compliance.
  • Cost: Banking fees apply, depending on the institution.

3. Meet Capital Requirements

  • Requirement: Deposit the minimum capital before application submission.
    • Class 1: €50,000
    • Class 2: €125,000
    • Class 3 & 4: €730,000
  • Timeline: Must be completed before licensing.

4. Appoint Key Functionaries

  • Roles Required:
    • Compliance Officer – Ensures regulatory adherence.
    • Money Laundering Reporting Officer (MLRO) – Handles AML compliance.
    • Risk Manager – Oversees business risks.
  • Timeline: Immediate requirement before licensing.

5. Submit Application to MFSA

  • Documents Required:
    • Business plan & financial model
    • AML/KYC compliance policies
    • Corporate governance framework
  • Timeline: 3 – 6 months for regulatory approval.
  • Cost: Application fees vary by license type

Our Advantages

Fast & Efficient Licensing Process – We handle everything from company formation to license approval, ensuring quick and seamless regulatory compliance.

Full MiCA & EU Market Access – Our expertise guarantees your business aligns with MiCA regulations, granting EU-wide operational rights.

Expert Compliance & Regulatory Support – Our team of legal and financial professionals ensures full adherence to AML/KYC laws, avoiding compliance risks.

 

MiCA Compliance & Regulatory Framework

Malta is aligning with the Markets in Crypto-Assets Regulation (MiCA) to ensure seamless compliance with EU-wide crypto regulations. By December 30, 2025, all CASPs must adhere to new transparency, security, and investor protection rules under MiCA.

Key Benefits of MiCA Compliance in Malta:

  • Stronger investor protection & regulatory clarity
  • Harmonized EU-wide licensing for cross-border operations
  • Reduced risk of non-compliance penalties

Malta’s regulatory framework ensures businesses are fully prepared for MiCA’s legal requirements.

Conclusion

Malta offers one of the most structured and transparent regulatory environments for crypto businesses in the EU. A VFA license from MFSA ensures investor confidence, regulatory stability, and full MiCA compliance.

Next Steps:

  • Register a company & open a bank account
  • Prepare AML/KYC compliance policies
  • Submit application to MFSA for approval

Start your crypto business in Malta today!

Need Help Getting a Crypto License in Malta?

For professional consultation on MiCA compliance and obtaining your MFSA crypto license, contact our experts today!

Help center

Frequently Asked Questions (FAQs)

Quick answers to questions you may have. Can't find what you're looking for? Get in touch with us.

    1️⃣Who needs a crypto license in Malta?

    Any business offering crypto exchange, wallet, or financial services must obtain a VFA license under MFSA.

    2️⃣How long does it take to get a crypto license?

    🕒 The process takes 3 – 6 months, depending on application complexity.

    3️⃣ What are the capital requirements for a VFA license?

    ✔️ Class 1: €50,000 ✔️ Class 2: €125,000 ✔️ Class 3 & 4: €730,000

    4️⃣Can a Malta crypto license be used across the EU?

    Yes! Under MiCA passporting, a Malta-issued license allows companies to operate in all EU member states.

    5️⃣ What happens if a company does not comply with MiCA?

    Non-compliance with MiCA by December 30, 2025, can result in license revocation and penalties.

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