Xcoins is a Malta-licensed cryptocurrency platform that lets users buy and sell Bitcoin and other cryptocurrencies instantly using cards and other payment methods.
Does Xcoins have a MiCA licence?
✓ Authorised · MiCA CASPYes. Xcoins (legal entity CF Technologies Ltd) holds a MiCA crypto-asset service provider (CASP) authorisation — regulated by Malta Financial Services Authority (MFSA) in Malta, listed in the official ESMA register. Through MiCA passporting it may legally serve clients across the EU/EEA (30 countries).
Licensed crypto services (4)
Where you can use Xcoins · EU/EEA passporting (30)
A MiCA authorisation passports across the whole EU/EEA, so Xcoins may legally serve clients in:
Xcoins is still building its public rating profile. Recent media coverage leans critical, led by "Xcoins reports strong customer growth as revenue climbs".
In the media
SampleXcoins reports strong customer growth as revenue climbs
TechCrunch · 3d ago
Xcoins said active customers rose sharply over the past year, with the company pointing to new markets and product launches as key drivers.
Xcoins outage briefly disrupts payments for some users
Financial Times · 2w ago
A short-lived technical issue affected a subset of Xcoins customers; the company said service was restored and funds were unaffected.
Xcoins launches new premium plan and rewards
Financial Times · 3w ago
Xcoins unveiled an updated subscription tier, adding perks aimed at frequent travellers and higher-balance customers.
Regulators scrutinise Xcoins over compliance controls
TechCrunch · 3w ago
Authorities are reviewing Xcoins's anti-fraud and onboarding processes, part of broader oversight of fast-growing digital banks.
Xcoins partners on new payments feature
The Verge · 1mo ago
Xcoins announced a partnership to broaden its payments capabilities, as competition among neobanks intensifies.
Latest from social
SampleTransparency matters. Here's how Xcoins keeps your money safe and your fees clear.
Behind every feature is a team obsessed with the details. A look at how Xcoins ships.
Transparency matters. Here's how Xcoins keeps your money safe and your fees clear.
Behind every feature is a team obsessed with the details. A look at how Xcoins ships.
What people are saying
SampleGreat thread on how Xcoins is rethinking cross-border payments. Worth a read for anyone in fintech.
Xcoins's customer service left me hanging on a frozen account. Not a great look.
Great thread on how Xcoins is rethinking cross-border payments. Worth a read for anyone in fintech.
Great thread on how Xcoins is rethinking cross-border payments. Worth a read for anyone in fintech.
Xcoins's customer service left me hanging on a frozen account. Not a great look.
About Xcoins
Founded in 2016 by three crypto pioneers, Xcoins is a licensed and regulated crypto buying and selling platform serving customers worldwide. It operates under a Class 3 Virtual Financial Asset (VFA) License granted by the Malta Financial Services Authority (MFSA) and supports 167 countries with 24/7 customer service.
Frequently asked questions
Does Xcoins have a MiCA licence?
Yes. Xcoins (legal entity CF Technologies Ltd) holds a MiCA crypto-asset service provider (CASP) authorisation, regulated by Malta Financial Services Authority (MFSA) in Malta and listed in the official ESMA register.
Who regulates Xcoins in the EU?
Xcoins's EU activity is authorised and supervised by Malta Financial Services Authority (MFSA), its home national competent authority under MiCA.
Which crypto services is Xcoins licensed for?
Under MiCA, Xcoins is authorised for: Custody & administration of crypto-assets, Exchange of crypto-assets for funds, Exchange of crypto-assets for other crypto-assets, Transfer services for crypto-assets.
In which countries can I legally use Xcoins?
A MiCA authorisation passports across the whole EU/EEA, so Xcoins may legally serve clients in all 30 EU/EEA member states.
Is Xcoins in the ESMA register?
Yes. CF Technologies Ltd appears in ESMA's official register of authorised MiCA crypto-asset service providers, recorded under Malta Financial Services Authority (MFSA).
Is a MiCA licence the same as a CASP licence?
Yes. MiCA (MiCAR) is the EU regulation; a CASP (crypto-asset service provider) is a firm it licenses. "MiCA register", "CASP register" and "ESMA register" all refer to the same official list.
Ratings & sentiment aggregated from Trustpilot, Google Play and App Store — anonymised store metrics only, no individual reviews.