EMT Whitepaper Validator

Validate E-Money Token whitepapers against MiCA Article 50–51 requirements

Load Example Whitepapers:

Issuer Name *

Authorization Type *

LEI (optional)

Registered Country *

Home NCA *

Website (optional)

Token Name *

Symbol *

Reference Currency *

Total Supply *

Description (min. 50 chars) *

Issuer-Specific Risks (min. 20 chars) *

Token-Specific Risks (min. 20 chars) *

Technology Risks (min. 20 chars) *

Regulatory Risks (min. 20 chars) *

DLT Protocol *

Consensus Mechanism *

Environmental Impact (min. 20 chars) *

Not approved by competent authority: I acknowledge that this whitepaper has not been and will not be approved by any competent authority before publication.Risk of loss: I acknowledge that the EMT may lose its value in part or in full and that holders may lose their entire investment.No investor protection: I acknowledge that the EMT is not covered by any investor compensation schemes (Directive 97/9/EC) or deposit guarantee schemes (Directive 2014/49/EU).No interest or yield: I acknowledge that under Art. 50 of MiCA, the EMT cannot and will not grant interest, yield, rewards, or any economic equivalent thereof to token holders.

MiCA Compliance Note

Implemented: Art. 50 — Prohibition on granting interest in relation to EMTs

Implemented: Art. 51 — Content and form of EMT crypto-asset white paper

Out of scope: Art. 49 — Actual redemption processing (requires fiat settlement infrastructure)

Out of scope: Art. 54 — Safeguarding obligations (requires bank account integration)

What This POC Does Not Implement

❌ NCA Notification Submission — This tool validates the whitepaper but does not submit it to competent authorities. The 40-day notification window (Art. 49) must be tracked separately.
❌ Whitepaper Publication & Storage — The tool does not publish or store whitepapers. Real issuers must publish on their website and maintain compliance documentation.
❌ Token Issuance — This is a validation tool only. Actual EMT creation requires on-chain deployment and treasury/reserve setup.
❌ Safeguarding & Reserve Management — Art. 54 requirements (30% deposit minimum, asset segregation) require integration with banking infrastructure.
❌ Redemption Processing — Art. 53 redemption rights require fiat payment rails and banking integration not covered here.

EMT Whitepaper Validator

Issuer Information (Art. 51(1)(a))

EMT Description (Art. 51(1)(b))

Risk Information (Art. 51(1)(f))

Technology & Environment (Art. 51(1)(e)(g))

Mandatory Warnings (Art. 50, 51(3-4))

MiCA Compliance Note

What This POC Does Not Implement