LATEST: 🇪🇺 The EBA called for crypto lending, including access to DeFi protocols, to be brought under MiCA as the EU reviews the framework.

What happened

The European Banking Authority called for crypto lending, including access to DeFi protocols, to be brought under MiCA, which is the EU's crypto rulebook, as the EU reviews that framework.

Confirmed

Global impact / market context

If crypto lending falls under MiCA, companies offering it may need licenses, hold more cash available, and follow stricter rules, raising costs and possibly changing which products reach EU customers.

Analyst inference

This call comes during an EU review of MiCA, so rule changes are still being debated, not final. Investors in crypto assets like CMC20 may watch how far regulators extend existing rules to lending.

Analyst inference

What to watch

1. The EBA has called for crypto lending and access to DeFi protocols to be included under MiCA as the EU reviews the framework. Confirmed
2. EU authorities could formally propose extending MiCA to cover crypto lending and DeFi access, which would then require approval before becoming law. Proposed
3. If lending rules tighten, crypto firms may shift services, raise prices, or leave the EU, affecting revenue and where investors can access such products. Analyst inference

Affected assets

• CMC20 — CoinMarketCap 20 Index DTF

Evidence

• x.com