BitGo Europe GmbH has expanded its crypto-as-a-service platform across the European Economic Area, allowing fintech firms and banks to integrate regulated crypto custody, trading, and fiat on- and off-ramps under the EU’s Markets in Crypto-Assets (MiCA) regime.
The company said its API-based infrastructure is now available in all 30 EEA countries. The offering enables institutions to embed wallet creation, onboarding, trading, and settlement services directly into their own applications, rather than building those systems in-house.
The service includes multi-asset wallets and access to Single Euro Payments Area (SEPA) rails, allowing users to move funds between bank accounts and digital asset accounts within a regulated framework.
Custodial wallets are insured up to $250 million, subject to terms, and include configurable policy controls and 24/7 operational support, according to the company. Partners can offer buying, selling, and holding of Bitcoin and other supported digital assets within their existing interfaces, with settlement handled through BitGo’s backend infrastructure.
BitGo previously offered similar services in the United States through BitGo Bank & Trust. In Europe, the platform now operates via BitGo Europe GmbH, its locally regulated entity.
Founded in 2013, BitGo provides custody, wallets, staking, trading, financing, stablecoins, and settlement services to institutional clients. The company went public on Jan. 22 and trades on the New York Stock Exchange under the ticker BTGO.
Shares were trading at $10.20 on Tuesday, down about 1.6% on the day and roughly 20% since listing, according to market data at the time of writing.
The rollout reflects a wider build-out of regulated custody services across Europe following MiCA’s implementation. The framework provides a harmonized licensing regime across the EU, prompting banks and fintech firms to formalize digital asset offerings.
Several institutions have opted to work with crypto-native infrastructure providers rather than construct custody systems independently. In July, Deutsche Bank advanced its crypto custody plans through partnerships with Bitpanda’s technology arm and Swiss digital asset infrastructure firm Taurus.
Spain’s BBVA said in September that it would rely on Ripple’s institutional custody platform to support Bitcoin and Ether trading and safekeeping, citing MiCA compliance as part of the rationale.
At the market infrastructure level, Clearstream, part of Deutsche Börse, announced it would offer Bitcoin and Ether custody and settlement through its Swiss subsidiary Crypto Finance AG. Standard Chartered in January said it would launch digital asset custody in Europe after securing a license in Luxembourg and establishing a dedicated EU entity.
Under MiCA, regulated custody is no longer limited to crypto-native firms. Banks and payment companies can now integrate digital asset services under a unified rulebook, provided they work through licensed entities.
For institutions that want exposure to crypto services without building internal custody systems, API-driven models offer a way to embed trading and wallet functionality while outsourcing security, settlement, and compliance layers.
As more banks formalize crypto offerings under MiCA, competition among infrastructure providers is likely to center on insurance coverage, operational resilience, fiat connectivity, and integration flexibility.
