The framework of the markets in Crypto-Astets (Mica) introduced by the European Union creates a foreseeable environment for crypto services. Stablecoins are used for payments, regulations and cross -border operations. Tokenized assets are tested by banks and asset managers.
Consequently, banks, brokers and fintech platforms plan to launch cryptography services. This may include custody, trading or stablecoin rails.
But these companies work according to strict rules. They need infrastructure that meets high standards for availability, access control, compliance and reports. A simple API or SDK is not enough. What they need is a complete infrastructure strategy.
Why regulated companies move into the crypto
There are several reasons why traditional financial companies are now building cryptography services:
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Mica gives legal clarity in the EU
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Stablecoins like the USDC become tools for fast payments
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Customers ask for access to cryptographic products
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Tokenized assets arouse the interest of institutions
The objectives are different from those of startups. Regulated companies need long -term infrastructure that can manage audits, reports and large -scale operations.
Common entry points for the integration of cryptography
Regulated companies generally start their cryptographic journey by focusing on one or two specific services, depending on their market and their preparation for compliance. A common starting point is custody. Companies that offer custody are focused on a secure portfolio infrastructure, allowing users to deposit and remove assets safely. This creates a base for other services, such as jalitude or token investments.
Some companies prioritize commercial access. These platforms allow users to buy and sell cryptocurrencies, but avoid manipulating the custody while keeping the assets outside the chain or locked in internal systems. This limits their exposure to risks linked to custody while responding to customer demand.
Another case of increasing use is the integration of the stable. Payment companies and cross -border platforms use assets such as USDC (USDC) or EURC to provide faster and more profitable alternatives to traditional rails like Swift or SEPA. Others enter into crypto thanks to asset offers in Tokenized, where banks and brokers are starting to experiment with digital versions of obligations or investment capital instruments.
Each approach requires a tailor -made infrastructure stack and a different level of conformity maturity. But all depend on the reliable guard, the transaction logic and the audit checks from the start.
Basic infrastructure requirements
When a regulated company adds crypto to its platform, the infrastructure must meet the same operational and legal standards as any other financial system. Care systems must be built on secure methods such as MPC or HSM, and must include fine grain control on which can initiate and approve transactions. Access must be managed by role, with several level approvals and detailed authorizations.
Journalization and audit trails must be available in real time. Each transaction, user action or system change must be followed and stored safely, with complete export capacities for regulators or internal teams.
Availability is also critical. Crypto services should correspond to the reliability of traditional negotiation or banking infrastructure, which means the deployment of redundancy, health checks and withdrawal systems to minimize service interruptions.
Beyond the back, companies also need tools for real-time surveillance. The dashboards that follow delays, performance or anomalies help the operations teams to react quickly. And when you work with infrastructure providers, transparency is essential. Regulated companies need visibility on the functioning of the platform, what its performance history is like and how it takes care of continuous compliance.
Compliance is a technical requirement
Many rules of conformity of the crypto are applied via software. Regulated companies must include infrastructure requirements behind these rules.
Travel rule
When users send the crypto to external wallets, the system must detect when applying the travel rule. This means the addition of metadata, identifying the reception service and prevention of non -compliant transfers.
MICA ENLOWING
Mica requests clear control over the custody, the management of user assets and risk policies. These controls must be integrated into the infrastructure. Manual policies are not enough.
Regional requirements
Some regions require local data storage or restrict where the wallets are accessible. This must be supported in the design and deployment of the system.
Evolutionary solutions establish compliance in the platform. Features such as transactions screening, withdrawal checks and audit newspapers are not optional additional modules. They are part of standard architecture.
Than to build internally and what to use sellers
Companies wishing to offer cryptography services must decide which parts of the infrastructure they are built and which parts they will deem with suppliers. In most cases, it is logical to keep control of the user interface, integrated experience, internal dashboards and risk rules or compliance specific to their business.
At the same time, basic infrastructure such as key guard, access to blockchain nodes, transactions and monitoring tools can be more efficient and secure when provided by specialized suppliers. The key is to work with providers who offer transparency, regulatory preparation and clear commitments in terms of service. Systems that do not give access to newspapers, lack appropriate separation from customers or operate as black boxes can create serious operational risks and compliance.
When choosing a supplier, companies should avoid platforms which:
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Do not share newspapers or audit data
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Use a shared infrastructure without strong isolation
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Have no evidence of regulatory preparation
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Impossible to meet the requirements of SLA and availability.
Land lessons
Which did not work: A European broker launched a crypto service using a basic white back-end. The system has given internal staff access to portfolios without appropriate separation from roles. When the regulators asked for newspapers, the company could not provide them. The service was closed after a few months.
What worked: A payment platform added USDC payments using the supplier-based and compliance modules. They kept control of LMA’s political logic and used a modular infrastructure. The service launched quickly and spent a regulatory audit in the six months.
Conclusion
For regulated companies, the crypto is no longer out of reach. But it must be added with the same care as any other financial service.
The infrastructure must take charge of the controlled management of keys, transactions screening, access based on roles, journalization and audit tools and regional deployment strategies – all in a single manageable source.
Nik Gavrilov is the Director of Revenues for Scampable Solutions, based in Dubai – a world center for digital assets and cryptographic innovation – where it is growing in the institutional cryptography infrastructure and digital active platforms. With more than a decade of leadership in IT, Fintech, Blockchain and technological companies, he specializes in enterprise storage, navigation of complex regulations and commercial success. NIK is currently continuing its business studies at the Stanford Graduate School of Business.
Article
Nik Gavrilov is the Director of Revenues for Scampable Solutions, based in Dubai – a world center for digital assets and cryptographic innovation – where it is growing in the institutional cryptography infrastructure and digital active platforms. With more than a decade of leadership in IT, Fintech, Blockchain and technological companies, he specializes in enterprise storage, navigation of complex regulations and commercial success. NIK is currently continuing its business studies at the Stanford Graduate School of Business.
