{"id":62550,"date":"2025-07-17T13:21:12","date_gmt":"2025-07-17T11:21:12","guid":{"rendered":"https:\/\/bpcc.org.pl\/?p=62550"},"modified":"2025-07-17T13:21:12","modified_gmt":"2025-07-17T11:21:12","slug":"casp-license-in-poland-step-by-step-guide-for-2025","status":"publish","type":"post","link":"https:\/\/dev2.bpcc.org.pl\/pl\/casp-license-in-poland-step-by-step-guide-for-2025\/","title":{"rendered":"CASP License in Poland: Step-by-Step Guide for 2025"},"content":{"rendered":"<p>Starting in 2025, the introduction of the MiCA regulation will significantly reshape the <a href=\"https:\/\/www.dudkowiak.com\/fintech-in-poland\" target=\"_blank\" rel=\"noopener\">crypto-asset service<\/a> landscape across the European Union, including Poland. For any company intending to offer crypto-asset services in Poland, obtaining a <strong>CASP license<\/strong> (Crypto-Asset Service Provider license) will be <strong>mandatory. <\/strong><\/p>\n<p>This new legal framework aims to strengthen regulatory compliance, particularly in areas such as <a href=\"https:\/\/www.dudkowiak.com\/fintech-in-poland\/aml-cft-in-poland\" target=\"_blank\" rel=\"noopener\">anti-money laundering (AML) and counter-terrorism financing (CFT)<\/a>, while also <strong>increasing market transparency and user protection.<\/strong><\/p>\n<p>This guide provides a <strong>step-by-step <\/strong><a href=\"https:\/\/www.calameo.com\/read\/00799459196887a3c643d\" target=\"_blank\" rel=\"noopener\"><strong>overview of the CASP license application process in Poland<\/strong><\/a><strong>,<\/strong> based entirely on the regulatory framework that will soon come into effect.<\/p>\n<h2><strong>What Is a CASP License?<\/strong><\/h2>\n<p>The <strong>CASP license<\/strong> is a regulatory authorization required for businesses offering crypto-asset services under the MiCA regulation. In Poland, this includes entities involved in:<\/p>\n<ul>\n<li>cryptocurrency exchanges,<\/li>\n<li>digital asset custody services,<\/li>\n<li>crypto-asset transfers.<\/li>\n<\/ul>\n<p>Without this license, companies will not be permitted to operate legally in the crypto sector after the new law comes into force.<\/p>\n<h2><strong>How to Apply for a CASP License in Poland<\/p>\n<p><\/strong><\/h2>\n<p>&nbsp;<\/p>\n<h3><strong>1. Define the Scope of Services<\/strong><\/h3>\n<p>Applicants must clearly define the nature of the crypto-asset services they plan to offer. This may include:<\/p>\n<ul>\n<li>executing orders on behalf of clients,<\/li>\n<li>providing investment advice,<\/li>\n<li>managing crypto portfolios.<\/li>\n<\/ul>\n<h3><strong>2. Assess Your Business Model<\/strong><\/h3>\n<p>A thorough assessment of the business model is required to ensure alignment with MiCA standards. This includes evaluating service structures, financial planning, and internal compliance mechanisms.<\/p>\n<h3><strong>3. Company Setup and Capital Requirements<\/strong><\/h3>\n<p>Applicants must meet specific capital thresholds based on the class of service provided:<\/p>\n<table width=\"493\">\n<thead>\n<tr>\n<td width=\"283\"><strong>Service Class<\/strong><\/td>\n<td width=\"210\"><strong>Minimum Capital Requirement<\/strong><\/td>\n<\/tr>\n<tr>\n<td width=\"283\">Class 1 \u2013 Executing client orders<\/td>\n<td width=\"210\">\u20ac50,000<\/td>\n<\/tr>\n<\/thead>\n<tbody>\n<tr>\n<td width=\"283\">Class 2 \u2013 Custody of crypto-assets<\/td>\n<td width=\"210\">\u20ac125,000<\/td>\n<\/tr>\n<tr>\n<td width=\"283\">Class 3 \u2013 Operating a trading platform<\/td>\n<td width=\"210\">\u20ac150,000<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<p>These requirements can be fulfilled either by increasing the share capital or purchasing a qualifying insurance policy.<\/p>\n<h3><strong>4. Governance and Staffing Structure<\/strong><\/h3>\n<p>According to ESMA guidelines, applicants must implement a robust internal governance system, including:<\/p>\n<ul>\n<li>at least two members on the management board,<\/li>\n<li>separate departments for risk management, internal control, and IT security,<\/li>\n<li>department heads with relevant education and experience.<\/li>\n<\/ul>\n<h3><strong>5. Prepare Required Documentation<\/strong><\/h3>\n<p>Applicants must submit comprehensive documentation, including:<\/p>\n<ul>\n<li>a 3-year business operations plan,<\/li>\n<li>description of the governance structure,<\/li>\n<li>AML and CFT compliance policies,<\/li>\n<li>technical documentation of IT systems,<\/li>\n<li>client asset segregation procedures,<\/li>\n<li>risk management and market abuse prevention policies.<\/li>\n<\/ul>\n<p><a href=\"https:\/\/bpcc.org.pl\/wp-content\/uploads\/2025\/07\/CASP-License-in-Poland_-Step-by-Step-Guide-for-2025-1-1.jpg\" target=\"_blank\" rel=\"noopener\"><img loading=\"lazy\" decoding=\"async\" class=\"alignleft wp-image-62554 size-full\" src=\"https:\/\/bpcc.org.pl\/wp-content\/uploads\/2025\/07\/CASP-License-in-Poland_-Step-by-Step-Guide-for-2025-1-1.jpg\" alt=\"Appliocants must submit comprehensive documentation\" width=\"1920\" height=\"1080\" srcset=\"https:\/\/dev2.bpcc.org.pl\/wp-content\/uploads\/2025\/07\/CASP-License-in-Poland_-Step-by-Step-Guide-for-2025-1-1.jpg 1920w, https:\/\/dev2.bpcc.org.pl\/wp-content\/uploads\/2025\/07\/CASP-License-in-Poland_-Step-by-Step-Guide-for-2025-1-1-300x169.jpg 300w, https:\/\/dev2.bpcc.org.pl\/wp-content\/uploads\/2025\/07\/CASP-License-in-Poland_-Step-by-Step-Guide-for-2025-1-1-1024x576.jpg 1024w, https:\/\/dev2.bpcc.org.pl\/wp-content\/uploads\/2025\/07\/CASP-License-in-Poland_-Step-by-Step-Guide-for-2025-1-1-768x432.jpg 768w, https:\/\/dev2.bpcc.org.pl\/wp-content\/uploads\/2025\/07\/CASP-License-in-Poland_-Step-by-Step-Guide-for-2025-1-1-1536x864.jpg 1536w, https:\/\/dev2.bpcc.org.pl\/wp-content\/uploads\/2025\/07\/CASP-License-in-Poland_-Step-by-Step-Guide-for-2025-1-1-1080x608.jpg 1080w\" sizes=\"auto, (max-width: 1920px) 100vw, 1920px\" \/><\/a><\/p>\n<h3><strong>6. IT Infrastructure Audits and Policies<\/strong><\/h3>\n<p>Companies must conduct IT audits and establish written policies related to:<\/p>\n<ul>\n<li>data protection,<\/li>\n<li>cybersecurity,<\/li>\n<li>incident response management.<\/li>\n<\/ul>\n<p>These elements are critical for demonstrating operational readiness.<\/p>\n<h3><strong>7. Staff Training<\/strong><\/h3>\n<p>Key employees must undergo training to ensure full understanding of regulatory requirements and day-to-day compliance obligations under MiCA.<\/p>\n<h3><strong>8. Submit the CASP License Application<\/strong><\/h3>\n<p>Once all documents and internal processes are in place, the CASP license application can be submitted to the <strong>Polish Financial Supervision Authority (KNF)<\/strong>. The authority will review the application for compliance with MiCA standards.<\/p>\n<h3><strong>9. Ongoing Compliance Obligations<\/strong><\/h3>\n<p>After obtaining the <strong>CASP license<\/strong>, businesses must comply with regular reporting and auditing requirements and ensure continued adherence to regulatory obligations.<\/p>\n<h2><strong>Who Will Issue CASP Licenses in Poland?<\/strong><\/h2>\n<p>Although MiCA does not explicitly assign a responsible authority, Polish law designates the <strong>KNF<\/strong> as the national body in charge of processing CASP license applications. The final version of the crypto market legislation is expected to come into force by <strong>September 2025<\/strong>.<\/p>\n<h2><strong>When Can You Apply for a CASP License?<\/strong><\/h2>\n<p>Applications may be submitted once the new legislation is enacted, likely in <strong>Q3 of 2025<\/strong>. Companies already providing crypto services as of <strong>December 29, 2024<\/strong>, may continue operating for up to four months without a license, provided they submit their application early. Early applicants will benefit from a <strong>nine-month transition period<\/strong>.<\/p>\n<h2><strong>What If You Have Not Provided Crypto Services Before?<\/strong><\/h2>\n<p>New entrants cannot register in the current <a href=\"https:\/\/www.dudkowiak.com\/fintech-in-poland\/crypto-license-poland\" target=\"_blank\" rel=\"noopener\"><strong>VASP<\/strong><\/a><strong> (Virtual Asset Service Provider) register<\/strong>, which will be <strong>abolished on October 1, 2025<\/strong>. To enter the market, businesses should:<\/p>\n<ul>\n<li>acquire a company already registered as a VASP, or<\/li>\n<li>prepare all documentation to apply for a <a href=\"https:\/\/www.dudkowiak.com\/fintech-in-poland\/casp-license-in-poland\" target=\"_blank\" rel=\"noopener\">CASP license<\/a> once the legislation is in force.<\/li>\n<\/ul>\n<h2><strong>CASP License Costs<\/strong><\/h2>\n<p>The application fee for a <strong>CASP license<\/strong> is approximately <strong>\u20ac4,500<\/strong>, regardless of service class. Ongoing supervision fees also apply, calculated based on company revenue over the previous three years, with a <strong>minimum fee of \u20ac500<\/strong>.<\/p>\n<p><a href=\"https:\/\/bpcc.org.pl\/wp-content\/uploads\/2025\/07\/CASP-License-in-Poland_-Step-by-Step-Guide-for-2025-2-1.jpg\" target=\"_blank\" rel=\"noopener\"><img loading=\"lazy\" decoding=\"async\" class=\"alignleft wp-image-62551 size-full\" src=\"https:\/\/bpcc.org.pl\/wp-content\/uploads\/2025\/07\/CASP-License-in-Poland_-Step-by-Step-Guide-for-2025-2-1.jpg\" alt=\"CASP license cost\" width=\"1920\" height=\"1080\" srcset=\"https:\/\/dev2.bpcc.org.pl\/wp-content\/uploads\/2025\/07\/CASP-License-in-Poland_-Step-by-Step-Guide-for-2025-2-1.jpg 1920w, https:\/\/dev2.bpcc.org.pl\/wp-content\/uploads\/2025\/07\/CASP-License-in-Poland_-Step-by-Step-Guide-for-2025-2-1-300x169.jpg 300w, https:\/\/dev2.bpcc.org.pl\/wp-content\/uploads\/2025\/07\/CASP-License-in-Poland_-Step-by-Step-Guide-for-2025-2-1-1024x576.jpg 1024w, https:\/\/dev2.bpcc.org.pl\/wp-content\/uploads\/2025\/07\/CASP-License-in-Poland_-Step-by-Step-Guide-for-2025-2-1-768x432.jpg 768w, https:\/\/dev2.bpcc.org.pl\/wp-content\/uploads\/2025\/07\/CASP-License-in-Poland_-Step-by-Step-Guide-for-2025-2-1-1536x864.jpg 1536w, https:\/\/dev2.bpcc.org.pl\/wp-content\/uploads\/2025\/07\/CASP-License-in-Poland_-Step-by-Step-Guide-for-2025-2-1-1080x608.jpg 1080w\" sizes=\"auto, (max-width: 1920px) 100vw, 1920px\" \/><\/a><\/p>\n<h2><strong>EU Passporting: Offering Services Beyond Poland<\/strong><\/h2>\n<p>Once the Polish crypto market law is enacted, crypto service providers licensed in other <strong>EU member states<\/strong> will be able to offer services in Poland under the <strong>passporting mechanism<\/strong>. This requires notification to the home country\u2019s supervisory authority but allows legal operation throughout the EU without a separate license in each country.<\/p>\n<h2><strong>Conclusion: Start Preparing for Your CASP License Today<\/strong><\/h2>\n<p>Obtaining a <strong>CASP license<\/strong> in Poland requires detailed planning, proper documentation, and compliance with both <a href=\"https:\/\/www.dudkowiak.com\/fintech-in-poland\/mica-implementation-in-polan\" target=\"_blank\" rel=\"noopener\">MiCA <\/a>and Polish regulatory standards. The process, while complex, can be efficiently managed with expert legal support.<\/p>\n<p>If your business intends to offer crypto-asset services in Poland, early preparation is essential.<\/p>\n<p><a href=\"https:\/\/www.dudkowiak.com\/sectors\/banking-law-poland.\" target=\"_blank\" rel=\"noopener\"><strong>Contact our Fintech team<\/strong><\/a> for assistance in navigating the CASP license application process. We\u2019ll help ensure your company is fully compliant and ready to operate in Poland\u2019s regulated crypto market.<\/p>\n<p>&nbsp;<\/p>\n<div style=\"width: 100%; max-width: 900px; margin: 0 auto; text-align: center;\">\n<div style=\"margin: 16px 0 8px;\"><a style=\"font-weight: bold; font-size: 18px; text-decoration: none;\" href=\"https:\/\/www.calameo.com\/books\/00799459196887a3c643d\" target=\"_blank\" rel=\"noopener\"> ? Guide for obtaining a CASP license <\/a><\/div>\n<div style=\"position: relative; padding-bottom: 56.25%; height: 0; overflow: hidden;\"><iframe style=\"position: absolute; top: 0; left: 0; width: 100%; height: 100%;\" src=\"\/\/v.calameo.com\/?bkcode=00799459196887a3c643d\" frameborder=\"0\" scrolling=\"no\" allowfullscreen=\"allowfullscreen\"><br \/>\n    <\/iframe><\/div>\n<div style=\"margin: 8px 0 16px;\"><a style=\"font-size: 13px; color: #555;\" href=\"http:\/\/www.calameo.com\/\" target=\"_blank\" rel=\"noopener\"> ? Publish at Calameo <\/a><\/div>\n<\/div>\n","protected":false},"excerpt":{"rendered":"<p>Starting in 2025, the introduction of the MiCA regulation will significantly reshape the crypto-asset service landscape across the European Union, including Poland. For any company intending to offer crypto-asset services in Poland, obtaining a CASP license (Crypto-Asset Service Provider license) will be mandatory. This new legal framework aims to strengthen regulatory compliance, particularly in areas [&hellip;]<\/p>\n","protected":false},"author":1,"featured_media":62560,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"_et_pb_use_builder":"","_et_pb_old_content":"","_et_gb_content_width":"","footnotes":""},"categories":[56,57,58],"tags":[],"ppma_author":[1643],"class_list":["post-62550","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-news","category-publications","category-reports","author-dudkowiak-putyra","et-has-post-format-content","et_post_format-et-post-format-standard"],"_vci_translations":{"en":62550},"_vci_seo":[],"_vci_author":{"id":1,"name":"Wojciech K.","slug":"n0timportant"},"acf":[],"authors":[{"term_id":1643,"user_id":0,"is_guest":1,"slug":"dudkowiak-putyra","display_name":"Dudkowiak &amp; Putyra","avatar_url":{"url":"https:\/\/dev2.bpcc.org.pl\/wp-content\/uploads\/2024\/12\/dudkowiak_2025_pole.png","url2x":"https:\/\/dev2.bpcc.org.pl\/wp-content\/uploads\/2024\/12\/dudkowiak_2025_pole.png"},"first_name":"","last_name":"","user_url":"","description":""}],"_links":{"self":[{"href":"https:\/\/dev2.bpcc.org.pl\/pl\/wp-json\/wp\/v2\/posts\/62550","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/dev2.bpcc.org.pl\/pl\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/dev2.bpcc.org.pl\/pl\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/dev2.bpcc.org.pl\/pl\/wp-json\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/dev2.bpcc.org.pl\/pl\/wp-json\/wp\/v2\/comments?post=62550"}],"version-history":[{"count":3,"href":"https:\/\/dev2.bpcc.org.pl\/pl\/wp-json\/wp\/v2\/posts\/62550\/revisions"}],"predecessor-version":[{"id":62564,"href":"https:\/\/dev2.bpcc.org.pl\/pl\/wp-json\/wp\/v2\/posts\/62550\/revisions\/62564"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/dev2.bpcc.org.pl\/pl\/wp-json\/wp\/v2\/media\/62560"}],"wp:attachment":[{"href":"https:\/\/dev2.bpcc.org.pl\/pl\/wp-json\/wp\/v2\/media?parent=62550"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/dev2.bpcc.org.pl\/pl\/wp-json\/wp\/v2\/categories?post=62550"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/dev2.bpcc.org.pl\/pl\/wp-json\/wp\/v2\/tags?post=62550"},{"taxonomy":"author","embeddable":true,"href":"https:\/\/dev2.bpcc.org.pl\/pl\/wp-json\/wp\/v2\/ppma_author?post=62550"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}