The field guide
Questions at the handoff.
Answers about the project, account preparation, MiCA, transfer data and route arithmetic.
- Sheet
- 080
- Section
- The field guide
- Instrument
- Radar scope
- Edition
- 12 · XI · 2026
QAnswers
Questions before you set out.
01What is The Fiat Atlas?
A visual, source-linked field guide to crypto-fiat operations for EU businesses. It maps legal roles, evidence, conversion and euro payment steps.
02Does the site move money or open accounts?
No. It is an informational project. It does not connect to wallets, execute trades, onboard customers or promise approval.
03Are rates and provider permissions live?
No. The calculator uses your scenario inputs. The register tool is a manual worksheet; official registers remain the source for current status.
04How should the route illustrations be read?
As conceptual operating maps, not prescribed legal processes. The actual entity, activity, asset and jurisdiction determine the requirements.
05Can I use the tools privately?
Calculations and worksheet exports run locally in the browser. No financial data is sent to a backend by this build.
06Does a MiCA authorisation guarantee a bank account?
No. MiCA status and bank onboarding are different questions. Assess the exact service and the bank’s requirements.
07Should the company hide token-related revenue?
No. Describe the activity and flow accurately; concealment is not a reliable or appropriate onboarding method.
08Does de-risking mean wrongdoing?
No. The term describes a risk-management response; it is not a finding of misconduct.
09Can another account bypass a restriction?
No. A lawful restriction should be addressed through the relevant institution and qualified advisers, not circumvented.
10Is USDC always worth exactly one dollar?
Do not assume a market quote or guaranteed execution price. Verify the asset and current executable terms for the route.
11Is the calculator a live rate feed?
No. Every rate and fee is an editable scenario input.
12Is every Web3 company a CASP?
No. Assess the activities actually performed against the legal definitions and scope.
13Can a firm still rely on the general transition?
The maximum MiCA transitional date of 1 July 2026 has passed. Verify current permission and any applicable legal basis.
14Is EUR 1,000 a universal travel-rule exemption?
No. It relates to specific requirements for self-hosted-address transfers; it is not a blanket exemption for smaller transfers.
15Should I disclose a seed phrase?
No. A seed phrase gives control of assets and is not an appropriate document to share.
16Does a foreign IBAN prove discrimination?
No. You also need the payment context and evidence of the refusal or restriction.
17Does SEPA require every crypto payment to be accepted?
No. SEPA account-location rules should not be read as overriding all other legal or contractual controls.
18Is DeFi automatically outside MiCA?
No blanket conclusion is appropriate. Assess the actual services, intermediary roles and legal scope.
19Is a wallet signature the full evidence file?
No. It may address control in a particular process but does not explain the commercial origin of the assets.
20Are all stablecoins EMTs?
No. The referenced value and legal characteristics matter; MiCA distinguishes EMTs, ARTs and other assets.
21Is token custody the same as a bank deposit?
No. Identify the legal product and the actual protection framework.
22Does DAC8 set one EU tax rate?
No. It concerns information reporting and cooperation, not a uniform tax rate for all crypto transactions.
23Is 2026 relevant already?
Yes. The framework applies from 1 January 2026 and the first reporting period begins in 2026.
24Is there a universal onboarding pack?
No. Use the actual provider’s document requirements and applicable legal framework.
25Can a forecast be used?
Yes as a clearly labelled planning record, not as fabricated evidence of completed business.