Articles
Tutorials, explainers and analysis.
In-depth articles on crypto regulation, tax, security, and the specifics of the Baltic and Nordic markets. All signed by our editorial authors.
Exchange review
LHV Pank - MiCA crypto in an Estonian bank
Estonia's largest local bank obtained its MiCA CASP licence from Finantsinspektsioon (EFSA) in May 2026. Customers can now buy, sell and hold the 15 most popular cryptocurrencies directly in the LHV internet bank with a flat 0.5% fee
AS LHV Pank, Estonia's largest local bank, obtained a MiCA CASP licence from Finantsinspektsioon in May 2026. Customers can buy, sell and hold 15+ cryptocurrencies directly in the LHV internet bank and mobile app, with a flat 0.5% fee and free custody. Trading and cold storage are handled by the licensed Bitstamp and BitGo. In this friendly review we look at what this is, why it matters to the Estonian market, how it compares with Bitvavo and Robinhood Europe, and why the lack of external wallet withdrawals can be a serious drawback.
104 articles
GENIUS Act - first US stablecoin law
The Guiding and Establishing National Innovation for U.S. Stablecoins Act, signed on 18 July 2025, brings 1:1 reserves, monthly reports and consumer protection. What does it mean for USDC, USDT and the European stablecoin market?
The GENIUS Act is the first US federal law regulating USD-backed stablecoins. Signed on 18 July 2025, it requires 1:1 reserves in safe assets (USD and T-bills), bans interest payments to holders, sets AML/KYC obligations and gives consumers priority in bankruptcy. In June 2026 US lawmakers reached a compromise on stablecoin yields that lifted Coinbase and Circle shares by 7% and 15% respectively. In this friendly explainer we walk through the key requirements, compare them with Europe's MiCA and show how the law affects Baltic and Nordic users.
toms-abeltins· 5 Jun 2026· 5 min read
News
Crypto June 4: BTC 4-month low, ETF outflows day 13
Daily review of June 4 (Thursday) global crypto market - top 15 coins, stablecoins, NFT, ETF flows, security incidents, regulatory news. BTC fell to a four-month low below $62,000 (intraday $61,300), ETH to a 14-month low near $1,700. 24h liquidations $1.76B. ETF outflows for the 13th consecutive day, $4.4B cumulative. Strategy made its first BTC sale in four years.
On Thursday, June 4, the crypto market turned the midweek decline into a full sell-off. BTC fell to ~$61,300 intraday - its lowest in four months - before recovering to ~$62,500. ETH hit a 14-month low near $1,700. Total market cap shrank from ~$2.53T to ~$2.25T. 24h liquidations $1.76B (~$1.35B longs, BTC longs ~$735M). ETF outflows 13th day - $4.4B cumulative since May 15. SOL -4.6% to $68.82, yet Solana spot ETFs keep attracting inflows. XRP -17% on the month to $1.17 (15-week low). HYPE retreated from its $76 ATH to ~$69. Key drivers: Strategy first BTC sale in four years, 68.8% odds of no Fed cuts in 2026, U.S.-Iran tension. CLARITY Act in the Senate red zone.
toms-abeltins· 5 Jun 2026· 10 min read
News
Crypto exchanges in the Baltics and Nordics - 04.06.2026
On Thursday the HIPTHER conference concludes in Tallinn - the industry outlook after 1 July and public-private sector cooperation. 26 days remain before the end of the MiCA transition period, and the market awaits the Finanstilsynet decision on Firi.
On Thursday 4 June the HIPTHER Baltics and Nordics conference concludes in Tallinn, focusing on industry development after 1 July. The market awaits a Norwegian Finanstilsynet decision on the Firi application, Latvijas Banka's fifth CASP licence and the Zondacrypto remediation progress.
toms-abeltins· 5 Jun 2026· 7 min read
Exchange review
Robinhood Europe - first Lithuanian MiCA exchange
Robinhood Europe, UAB is the first holder of a Lithuanian MiCA CASP licence (2025-05-30). A NASDAQ:HOOD subsidiary with a 0% fee model, mobile retail focus and EU passporting rights in 30 EEA countries
On 30 May 2025 Robinhood Europe, UAB became the first holder of a Lithuanian MiCA CASP licence, issued by Lietuvos bankas. The NASDAQ-listed Robinhood Markets subsidiary enters Europe with 0% explicit fees, spread monetisation (~0.65%) and a mobile-first retail focus. In this friendly review we look at how Robinhood EU fits Baltic users with its 30+ coin set, how it compares with Bitvavo and Coinbase, and why the spread is a hidden cost.
toms-abeltins· 4 Jun 2026· 4 min read
News
Hyperliquid (HYPE) overtakes Solana, new ATH $75
HYPE hit an all-time high of $75.40 on 2 June and surpassed Solana's price (~$72), defying a market-wide selloff. Key drivers - a record 6.63% share of global perp volume, ~$53M in 30-day network fees and the Assistance Fund buyback model that directs 97% of fees into HYPE purchases. Plus the new Grayscale HYPG ETF.
Hyperliquid's native token HYPE reached a new all-time high of $75.40 on 2 June 2026 and overtook Solana (SOL) in price for the first time - SOL slid to ~$72, its lowest since late 2023. The rally came as the broader market suffered a sharp selloff and BTC fell below $67,000. HYPE is up ~24% over the month and ~142% year-to-date. The main reasons - a record 6.63% share of global perpetual futures volume in May, ~$181-188B in 30-day volume, ~$53M in network fees (annualised up to $1.3B), and the Assistance Fund buyback model that channels ~97% of protocol fees into automated HYPE purchases and burns. On 3 June Grayscale launched the Hyperliquid Staking ETF (HYPG). Solana, however, remains larger by market cap (~$41.6B vs ~$16.5B).
toms-abeltins· 4 Jun 2026· 6 min read
Tax-tool review
SUMM - crypto tax tool for the DeFi user
Formerly CryptoTaxCalculator, now SUMM - Australian tool with 1,000+ exchange integrations, MetaMask and Coinbase official partnership, and a specialisation in DeFi and Web3 portfolios
SUMM (formerly CryptoTaxCalculator) is a crypto tax tool with the widest integration set on the market - 1,000+ exchanges, 85+ blockchains and 200+ wallets. It is the official tax partner for MetaMask and Coinbase, with particularly strong DeFi support. In this friendly review we look at whether SUMM fits a Baltic or Nordic user, the pricing structure, which national tax forms it generates, and when Koinly or Divly may be the better pick.
toms-abeltins· 4 Jun 2026· 4 min read
News
Crypto June 3: BTC below $67K, HYPE new ATH $76
Daily review of June 3 (Wednesday) global crypto market - top 15 coins, stablecoins, NFT, ETF flows, security incidents, regulatory news. BTC continued the decline below $67,000 to $65,400 intraday low. HYPE reached new ATH above $76, Grayscale launched HYPG ETF. 24h liquidations $1.65B. ETF outflows 12th consecutive day. CLARITY Act debates in Senate resumed.
On Wednesday, June 3, the crypto market continued Tuesday's sharp decline. BTC fell below $67,000 to $66,965, with intraday low ~$65,400 - more than 50% below the October ATH. 24h liquidations exceeded $1.65B (BTC $693.64M, ETH $473.82M, SOL $82.71M), ~86% longs. ETF outflows 12th day - IBIT -$440M for the week. ETH opened below $2,000 (ETHA -$44.27M, Grayscale ETH -$25.41M). SOL -4.73% to $72.68; Solana spot ETFs +$6.50M inflows (cumulative $1.14B). XRP -2% to $1.20 - smallest top 8 decliner; CLARITY Act Senate debates resumed. HYPE new ATH above $76 after Grayscale HYPG (Hyperliquid Staking ETF) launch. ADA -4.01%, DOGE -2.71%. Stablecoin market stayed at $320B. SEC and CFTC published a harmonized crypto interpretation.
toms-abeltins· 4 Jun 2026· 10 min read
News
Crypto exchanges in the Baltics and Nordics - 03.06.2026
On Wednesday the second day of the HIPTHER Baltics and Nordics conference continues in Tallinn - AI in compliance, cross-border supervision technology and the Bare Bitcoin Sparebank 1 cooperation. 27 days remain before the end of the MiCA transition period.
On Wednesday 3 June the second day of the HIPTHER Baltics and Nordics conference focuses on AI compliance tools and cross-border supervision. The market awaits a Norwegian Finanstilsynet decision on Firi, Latvijas Banka's fifth CASP licence and the Zondacrypto remediation interim review.
toms-abeltins· 4 Jun 2026· 7 min read
Exchange review
Coinbase and Coinbase Card EU - 2026 deep dive
The first US-listed crypto exchange with a MiCA licence from Luxembourg CSSF, 120 million global users, $1.4 billion Q1 2026 revenue - but Coinbase Card EU without Apple Pay, Google Pay and cashback. What does that mean for Baltic and Nordic users?
Coinbase is the first US-based crypto exchange with a full MiCA licence (CSSF Luxembourg, June 2025) covering all 27 EU markets plus Norway, Iceland and Liechtenstein. 120 million global users, $1.4 billion in Q1 2026 revenue, Nasdaq-listed under the ticker COIN. In this deep dive we look at Coinbase EU services, fees, the Coinbase One subscription ($29.99/mo with zero fees up to $10k), the Coinbase Card EU quirks (no Apple Pay, no cashback) and how it compares with Bitvavo, Kraken and Bitstamp for Baltic and Nordic users.
toms-abeltins· 3 Jun 2026· 11 min read
Exchange review
CACEIS Bank - MiCA Article 60 institutional custody
French asset servicing giant with EUR 5.9 trillion under custody has received MiCA Article 60 authorisation for crypto services - what it means for Baltic and Nordic institutional clients
CACEIS Bank, the asset servicing arm 100% owned by Crédit Agricole with EUR 5.9 trillion in assets under custody and EUR 3.7 trillion in administration, received MiCA Article 60 authorisation from ACPR on 30 June 2025. It allows crypto-asset custody, order reception and transfers across the EEA. In this deep dive we look at what the Article 60 banking route means versus the Article 60(3) AIFM route (AKJ, GCEX), how the CACEIS Nordics team in Luxembourg serves Swedish, Finnish, Norwegian and Danish clients, and why this matters to Baltic professional investors.
toms-abeltins· 3 Jun 2026· 10 min read
News
Crypto exchanges in the Baltics and Nordics - 02.06.2026
On Tuesday the HIPTHER Baltics and Nordics conference is held in Tallinn - the principal regional industry event exactly 28 days before the end of the MiCA transition period. Conference focus: the Firi application status, Latvijas Banka's fifth CASP licence and Zondacrypto remediation.
On Tuesday 2 June the HIPTHER Baltics and Nordics conference is held at the Hilton Tallinn Park. 28 days remain before the end of the MiCA transition period. Regional regulators discuss the passport mechanism, Firi awaits a Finanstilsynet decision and the Zondacrypto 30-day deadline countdown continues.
toms-abeltins· 3 Jun 2026· 7 min read
News
Crypto June 2: BTC under $70K, Mt. Gox moves 10K BTC
Daily review of June 2 (Tuesday) global crypto market - top 15 coins, stablecoins, NFT, ETF flows, security incidents, regulatory news. BTC fell below $70,000 to $67,468 - first time since April. Mt. Gox moved 10,422 BTC (~$739M). Strategy disclosed first BTC sale in four years (32 BTC). ETF outflows 11th consecutive day (cumulative over $2.96B). AI tokens went the opposite way: Humanity Protocol +18%.
On Tuesday, June 2, the crypto market posted a sharp decline. BTC fell below $70,000 to $67,468 - first time since April 7 (~6% 24h). Strategy disclosed first BTC sale in four years - 32 BTC for $2.5M to fund dividends. Mt. Gox moved 10,422 BTC (~$739M), including 10,306 BTC to a new address ahead of the October creditor deadline. ETH -0.90% to $1,977, SOL -2.08% to $79, XLM -6%, SUI -3%. HYPE recovered above $60 (+6% 24h, +28% month); HYPE ETFs +$72-75M last week. US spot Bitcoin ETF outflows 11 consecutive days. 24h liquidations $767M to over $1B, ~86% longs. AI tokens: Humanity Protocol +18% Tuesday, +278% since May 28. CLARITY Act in Senate June 3, GENIUS PPSI consultations through June 9.
toms-abeltins· 3 Jun 2026· 10 min read
News
Maksis.Rocks - Fintech Core platform in SaaS model
A full Fintech core in the cloud - customer management, KYC/AML and sanctions screening, credit scoring, payments and collateral administration in a single regulated platform for the Baltics and Northern Europe
Maksis.Rocks is a full Fintech Core system delivered as a SaaS for non-bank lenders, leasing companies, pawnshops and specialist financial service providers. The platform already serves 15,000+ customers per month, integrates with VISS, KIB, IEM and sanctions lists (LV, EU, OFAC), runs on AWS and delivers 99.95% uptime. In this deep dive we analyse the modules, integrations, security and how Maksis.Rocks reduces compliance load in the MiCA and AMLD6 era.
toms-abeltins· 2 Jun 2026· 9 min read
How-to
Crypto on-ramp and off-ramp explained 2026
On-ramp and off-ramp are the two bridges between traditional finance and crypto. On-ramp: EUR/USD → crypto. Off-ramp: crypto → EUR/USD. Deep dive: how it works technically, MiCA-licensed providers across the Baltic and Nordic region, fees, security risks and beginner guide.
On-ramp and off-ramp are the two bridges between traditional finance and the crypto world. On-ramp converts EUR/USD to crypto (via SEPA, card, Apple Pay or Open Banking); off-ramp converts crypto back to fiat via exchange or crypto card. In this deep dive we analyse the technical flow, KYC/AML requirements, the MiCA framework, the main EEA providers (Bitvavo, Coinmotion, Simplex, Krak, Bleap), the fee structure and a beginner guide.
toms-abeltins· 2 Jun 2026· 8 min read
Card review
Bleap non-custodial crypto card - deep dive 2026
Bleap (bleap.finance) is the 2024-founded non-custodial Mastercard project by ex-Revolut founders with MPC tech (no seed phrase), 0% FX, 2-20% USDC cashback and Unlimit as card issuer. 20,000+ users, £21.8m transactions in 2025, $8m+ raised from Ethereal Ventures and Blossom Capital.
Bleap (bleap.finance) is a 2024-founded non-custodial crypto Mastercard built by ex-Revolut founders Joao Alves and Guilherme Gomes. Unlike Crypto.com, Nexo or Krak cards, Bleap runs on MPC (Multi-Party Computation) - the user controls assets until the moment of purchase, with no seed phrases. 20,000+ users in EEA, £21.8m transactions in 2025, $8m+ raised (pre-seed from Ethereal Ventures, growth from Blossom Capital). Card issued by Unlimit (Cyprus EMI). 0% FX, 2-20% USDC cashback direct on-chain. Comparison vs Krak Card, Nexo, Crypto.com and MetaMask Card in the Baltic and Nordic region.
toms-abeltins· 2 Jun 2026· 8 min read
Blockpit crypto tax tool deep dive 2026
Blockpit AG (Linz, 2017) is the Austrian crypto tax and portfolio platform voted best Crypto Tax Calculator by BTC-Echo readers 2023-2025. Deep dive: history, acquisitions (Cryptotax, Accointing), Series A 2025 with Raiffeisen Bank International, 300,000+ users, comparison vs Koinly and Divly.
Blockpit AG (Linz, 2017) is an Austrian crypto tax and portfolio management platform with 300,000+ active users in the DACH region and KPMG-audited tax logic. In this deep dive we analyse the founding team (Florian Wimmer et al.), the two major acquisitions (Cryptotax 2020, Accointing from Glassnode 2023), the March 2025 Series A with Raiffeisen Bank International as lead investor, the service set (real-time Tax Optimizer, NFT support across 500K+ assets, 160+ exchange and 190 blockchain integrations), pricing (Basic €49/year, Plus +€47.90), strengths (KPMG audit, TÜV AUSTRIA certification, free portfolio tracker, average €2,395 user savings) and the comparison vs Koinly and Divly in the Baltic and Nordic region.
toms-abeltins· 2 Jun 2026· 7 min read
Northcrypto - Finnish crypto exchange 2026 deep dive
Northcrypto Oy (Turku, 2018) is a Finnish crypto exchange that since 2024 has been part of the Swedish publicly listed GreenMerc AB group together with Trijo. Deep dive: history, financials, MiCA status, services, ownership, position in the Nordic market.
Northcrypto Oy (Turku, 2018, reg. no. 2918254-9) is one of the 4-5 largest Nordic crypto exchanges, operating since 2024 as a subsidiary of the Swedish publicly listed GreenMerc AB group together with Trijo. In this deep dive we analyse Northcrypto's history, ownership structure, GreenMerc group financials (2024 revenue SEK 686.7m, +258% YoY), MiCA CASP status (authorised in 2025 H2, trading expansion in progress), services (Quickbuy, Autopilot, Advanced trading 1%, Northcrypto Private HNW), 260+ supported cryptocurrencies, the cold storage model, and its market position against Coinmotion, Bitvavo, Kraken and Kvarn X.
toms-abeltins· 2 Jun 2026· 7 min read
News
Crypto market June 1: BTC under $73K, HYPE ATH $73.55
Daily review of June 1 (Monday) global crypto market - top 15 coins, stablecoins, NFT, derivatives, regulatory news. BTC slid below $73,000 to the $71,400 zone, ETF outflows 10 consecutive days at $2.97B, Hyperliquid (HYPE) reached a new ATH $73.55 and took DOGE's spot in the top 10. US-Iran Hormuz blockade and oil prices keep pressure on the market, GENIUS Act public consultations end June 2.
On Monday, June 1, the crypto market extended its weakness streak. BTC slid below $73,000 - $72,145 at 8:45 a.m. ET, $71,400 by 9:56 a.m. ET. ETH -1.04% to $1,981, XRP -3.85% to $1.27, SOL -0.85% to $81. Hyperliquid (HYPE) hit a new ATH $73.55 with $16.3B market cap, taking Dogecoin's spot in the top 10. Arthur Hayes forecast HYPE will surpass Solana. ETF outflow streak holds 10 consecutive days at $2.97B - longest run on record. Investors pulled $1.67B from digital asset products last week. Hormuz blockade and higher oil keep pressure on the market. GENIUS Act public consultations (Treasury, FDIC, FinCEN) end June 2, Senate resumes CLARITY Act June 3. Token unlocks for the week total $700M, including a $684M HYPE unlock on June 6.
toms-abeltins· 2 Jun 2026· 9 min read
News
Crypto exchanges in the Baltics and Nordics - 01.06.2026
On Monday, with 30 days left to the 1 July MiCA transition deadline, the Baltic and Nordic crypto market focuses on Tuesday's HIPTHER Baltics and Nordics conference in Tallinn and on the early-June decisions expected from Firi, Zondacrypto and Latvijas Banka.
On Monday 1 June the final 30 days of the MiCA transition period begin. Tuesday brings the HIPTHER Baltics and Nordics conference in Tallinn. The Norwegian Finanstilsynet decision on Firi is expected in the first week of June; the Zondacrypto 30-day deadline in Estonia ends on 17 June.
toms-abeltins· 2 Jun 2026· 7 min read
News
Backpack EU - fifth Latvia MiCA CASP licence 2026
On 2026-05-27 Latvijas Banka issued Trek Technologies SIA (Backpack EU) a dual licence: MiCA CASP + payment institution. Backpack is a Solana-first crypto exchange founded by Armani Ferrante. In 2025 it acquired FTX Europe.
On 27 May 2026 Latvijas Banka's supervisory committee granted Trek Technologies SIA (the Backpack EU brand) two licences - a MiCA CASP licence and a payment institution licence. This is the fifth MiCA CASP licence in Latvia and one of very few regional CASPs with the dual MiCA + PSD2 setup. Backpack is a Solana-first crypto exchange founded in 2022 (Armani Ferrante, Tristan Yver) that acquired FTX Europe for $32.7m in 2025. We analyse what this means for the Baltic and Nordic crypto market, the Backpack EU service set, the financial context, and the prospects against current regional leaders Bitvavo, Coinmotion and Kvarn X.
toms-abeltins· 1 Jun 2026· 6 min read
News
What is Strive Inc.: BTC treasury, 16,500 BTC, SATA 13%
Strive Inc. (NASDAQ: ASST) - the first publicly traded asset management and Bitcoin treasury company. 16,500 BTC holdings, SATA 13% daily-dividend instrument from June 16, 2026. The Vivek Ramaswamy-founded firm - what it means for Baltic and Nordic investors.
Strive Inc. (NASDAQ: ASST) is a 2022 company founded by Vivek Ramaswamy and Anson Frericks, which in 2025 became the first publicly traded asset management and Bitcoin treasury company. As of May 2026, Strive holds 16,500 BTC - the 9th largest corporate BTC holder worldwide. Q1 2026 revenue $2.8M, GAAP net loss $265.9M mainly from a $295.8M unrealized BTC fair-value loss, total assets $1.10B, debt-free. The key innovation - SATA (Variable Rate Series A Perpetual Preferred Stock) 13% annual dividend, which from June 16, 2026 will be paid DAILY - the first such security in US capital markets history. What does it mean for Baltic and Nordic institutional investors?
toms-abeltins· 1 Jun 2026· 6 min read
News
Crypto market May 31: BTC $73.8K, May -3.6%
Daily review of May 31 (Sunday) global crypto market - top 15 coins, stablecoins, NFT, derivatives, regulatory news. BTC traded near $73,847, May ended -3.6%, breaking two green months, US spot Bitcoin ETF 10-day outflows reached $2.97B, Strive acquired 490 BTC via SATA dividend instrument, BlackRock iShares Bitcoin Premium Income ETF approved.
On Sunday, May 31, the crypto market closed a volatile week. BTC traded near $73,847 - May ended -3.6%, snapping two green months in a row. The US spot Bitcoin ETF outflow streak reached 10 consecutive days - $2.97B since May 15. BlackRock IBIT $528M single-day outflow was the second-largest on record. ETH $2,016, SOL $82, XRP above $1.30, HYPE $65 near the ATH zone. Strive Inc. acquired 490 BTC in a single session via its SATA dividend instrument (16,500 BTC total). SEC approved the BlackRock iShares Bitcoin Premium Income ETF. US Hellfire missile hit M/V Lian Star during Hormuz blockade. Operation Economic Fury seized $1B of Iranian crypto. SoFi launched SoFiUSD on Ethereum and Solana. April PCE 3.8% YoY.
toms-abeltins· 1 Jun 2026· 9 min read
News
Crypto exchanges in the Baltics and Nordics - 31.05.2026
On Sunday, 31 days before the 1 July MiCA transition deadline, the Baltic and Nordic crypto market closes May with a stack of early-June decisions ahead: Firi at Finanstilsynet, the Zondacrypto 30-day deadline peak, Latvijas Banka's fifth CASP licence and Safello's status update.
On Sunday 31 May the Baltic and Nordic crypto market closes May with 31 days left to the MiCA deadline. May saw three regional CASP licences - Paybis Europe, Neverless SIA and TÝR Markets. The Zondacrypto 17 June remediation deadline approaches. ESMA's register lists 207 authorised operators across the EEA.
toms-abeltins· 1 Jun 2026· 7 min read
News
Crypto market May 30: BTC above 74K, HYPE near ATH zone
Daily review of May 30 (Saturday) global crypto market - top 15 coins, stablecoins, NFT, derivatives, regulatory news. BTC reclaimed above $74,000, HYPE holds $65 near ATH, 24h liquidations ~$224M, US-Iran ceasefire terms still in dispute.
On Saturday, May 30, the crypto market posted a moderate recovery. BTC reclaimed above $74,000 - 24h volume $8.24B, settling at $74,054 by late evening. ETH $2,016 (+0.02%), SOL $82.31 with $75M+ in liquidations, XRP above $1.30, DOGE $0.10. HYPE $65.47 - near the May 29 ATH of $67.24. Total 24h liquidations ~$224M (54% longs). Stablecoin segment $322-323B. US CFTC approved KalshiEX as the first regulated BTC perpetual futures provider. Trump-Iran 60-day ceasefire terms remain in dispute - Iran demands $12B in frozen assets be released. Strategy pulled 411 BTC back from Coinbase Prime - liquidation probability 84% → 23%. Brent $92.56/barrel (-19% in May). Fear & Greed ~23-28.
toms-abeltins· 31 May 2026· 8 min read
News
Crypto exchanges in the Baltics and Nordics - 30.05.2026
On Saturday, 32 days before the 1 July MiCA transition deadline, the Baltic and Nordic crypto market sums up the week: TÝR Markets begins Scandinavian passport activity, Firi continues to await a Finanstilsynet decision, Latvijas Banka approaches issuance of a fifth CASP licence.
On Saturday 30 May, the regional crypto market enters the final five weeks of the MiCA transition period. TÝR Markets has begun Scandinavian passport activity. Firi awaits a Finanstilsynet decision. Latvijas Banka approaches a fifth CASP licence. ESMA's register lists 207 authorised operators across the EEA.
toms-abeltins· 31 May 2026· 6 min read
News
Banca Sella: first traditional bank with MiCA crypto 2026
Italy's Banca Sella completed the MiCA notification procedure on 2026-05-27 and became the first traditional bank to actually launch crypto services. Custody, receipt and transfers for corporate clients; Qivalis stablecoin consortium with SEB and Danske Bank.
On 27 May 2026 Italy's traditional bank Banca Sella (€50bn AUM, 3.1m customers) completed the notification procedure with the Bank of Italy and became the first Italian credit institution authorised to provide crypto-asset services under MiCA. The initial offering includes custody, receipt and transfers (NOT active trading) for corporate clients during 2026. We analyse what this model means for the European banking sector, how it affects the Baltic and Nordic market (Banca Sella is a founding member of the Qivalis consortium along with SEB, Danske Bank, ING, UniCredit, KBC and 37 other EU banks building a MiCA stablecoin), the strengths and weaknesses, financial context, and why the cautious stance of SEB, Nordea, DNB, Swedbank and Danske Bank may change.
toms-abeltins· 30 May 2026· 5 min read
How-to
Meme coins guide 2026 — what they are and is it worth it
How meme coins work, the most popular in May 2026 (DOGE, SHIB, PEPE, BONK, TRUMP), comparison with stablecoins and altcoins, MiCA/CASP regulation, risks and tips for Baltic and Nordic readers.
Meme coins are internet-joke cryptocurrencies with a combined market cap of about $34.7 billion in May 2026. This 1000-word guide explains how meme coins technically work (ERC-20, Solana SPL, AMM liquidity pools), covers the top 10 in May 2026 (DOGE, SHIB, MemeCore, PEPE, Official Trump, BONK, Pudgy Penguins, SPX6900, FLOKI, WIF), compares them with stablecoins and altcoins, answers whether MiCA and licensed CASPs apply (yes — whitepaper, marketing rules, due diligence), describes trends (political tokens, AI memes, Solana dominance, pump.fun launchpads) and explains whether it is worth creating your own meme coin. Risks and tips for Baltic and Nordic readers.
toms-abeltins· 30 May 2026· 5 min read
Card review
Lunar and Lunar Card — Scandinavian neobank guide 2026
What the Danish neobank Lunar is, what Lunar Card and Lunar Block offer, which markets they serve and how Lunar compares to Revolut, N26, Firi and Bitvavo — full MiCA CASP licence granted in October 2025.
Lunar Bank A/S is the Danish neobank that became the first Scandinavian financial institution with a full MiCA CASP licence in October 2025. This guide covers Lunar's history (founded 2015, banking licence 2019), product range (current account, Lunar Block crypto, stocks, Lunar Business), four pricing tiers (Free, Standard 39 DKK, Plus 79 DKK, Unlimited 149 DKK), market coverage (DK, SE, NO), MiCA passporting potential and key risks (closed crypto platform, DKK pricing, not available in the Baltics). Compared with Revolut, N26, Bunq, Bitvavo and Firi. For Baltic and Finnish users we list the locally MiCA-licensed alternatives: Paybis Europe, Kvarn X and Neverless.
toms-abeltins· 30 May 2026· 7 min read
News
Crypto market May 29: BTC ~$73K, ETF -$228M, ceasefire
Daily review of May 29 events - top 15 coins, stablecoins, NFT, ETF flows. Market stabilized after Thursday's drop: BTC ~$73,100, ETF outflows $228M (9th day), US-Iran 60-day ceasefire MoU, Brent -19% in May, $7.5B options expiry.
On Friday, May 29, the crypto market moderately stabilized after Thursday's sharp correction: BTC opened at $73,525.74 and slid to $73,100 (-0.4%), intraday low $72,582. ETH ~$2,015, XRP recovered to $1.32, SOL $80.89-$82.59, DOGE $0.10. Hyperliquid (HYPE) was the standout - up 8.36% to $45.39, the only top 15 asset with a positive day. US spot BTC ETFs lost $228M - the 9th straight outflow day ($2.85B total in the streak). Month-end BTC+ETH options expiry totaled $7.5B notional. US and Iran nearly agreed on a 60-day ceasefire MoU (Strait of Hormuz opening, gradual US naval blockade pullback). Brent $92.56/barrel (-19% in May). Stablecoin segment $322B. FHFA orders Fannie Mae/Freddie Mac on crypto mortgages.
toms-abeltins· 30 May 2026· 8 min read
News
Crypto exchanges in the Baltics and Nordics - 29.05.2026
33 days to the 1 July MiCA transition deadline: in Norway Firi awaits a Finanstilsynet decision and TÝR Markets expands into Sweden and Denmark; in Estonia the market tracks the Zondacrypto case; Latvijas Banka processes five active CASP applications.
On Friday 29 May, the Baltic and Nordic crypto market closed the week with 33 days left until the MiCA deadline. Firi awaits a Finanstilsynet decision. TÝR Markets expands to Sweden and Denmark. Latvijas Banka processes five active applications. ESMA's interim CASP register lists 207 authorised operators.
toms-abeltins· 30 May 2026· 7 min read
Wallet review
Ledger vs Trezor 2026 — which hardware wallet to pick?
In-depth comparison of the two leading hardware wallet makers — Secure Element grade, open-source philosophy and historical incidents.
Ledger and Trezor are the two leading hardware wallet makers. Which is better for a Baltic or Nordic user in 2026? We compare Secure Element (EAL5+ vs EAL6+), firmware openness, security incidents, coin support and price — with a decision tree that walks you to the right pick.
toms-abeltins· 29 May 2026· 17 min read
Wallet review
Trezor wallet guide 2026 — Safe 3, Safe 5, Safe 7 & Trezor Suite
Full SatoshiLabs hardware wallet overview: three active models €79–€249, Bitcoin-only variants, Keep Metal seed plates, Trezor Suite with staking/swap/CoinJoin/Tor, an honest summary of security incidents (Mailchimp 2022, SendinBlue 2024, support form 2025) and European market position.
Trezor is the world's first hardware wallet, built in Prague in 2013. This guide explains what each of the three active models is for — entry-level Trezor Safe 3 (€79) with EAL6+ Secure Element, mid-range Trezor Safe 5 (€169) with colour touchscreen and Shamir Backup, and the 2025 flagship Trezor Safe 7 (€249) with post-quantum cryptography and dual Secure Element architecture. We review Trezor Suite's extras (buy/sell/swap, staking, CoinJoin, Tor), the company's history (SatoshiLabs founders Marek Palatinus and Pavol Rusnák), security incidents (Mailchimp 2022, SendinBlue 2024, support form 2025 — all outside the wallet itself) and Trezor's 28% European market share vs Ledger's 20%. Affiliate disclosure: Norriwire is a Trezor partner.
toms-abeltins· 29 May 2026· 8 min read
News
Global crypto market May 28: BTC below $73K, IBIT -$528M
Daily review of May 28 events - top 15 coins, stablecoins, NFT, ETF flows. BTC below $73,000 after US-Iran strike exchange, IBIT loses $527.84M (second-largest ever), 11 spot BTC ETFs shed $733M, ~$900M in liquidations.
On Thursday, May 28, a US-Iran strike exchange near Hormuz triggered a 4% crypto market drop in 24h. BTC fell below $73,000 (opened $74,333 → $73,286), ETH ~$2,040, XRP $1.28 (below $1.30 support), SOL $82.19 (-1.7%), ADA $0.235 (-1.99%). US spot BTC ETFs lost $733.43M - the largest single-day outflow since February. IBIT alone lost $527.84M - the second-largest in the fund history. ETF outflows since May 14 top $2B. Liquidations ~$900M - altcoins SOL, XRP, BNB, DOGE, HYPE fell 6-14%. US strikes hit Iranian drone operations near Bandar Abbas; Iran responded with a strike on a US base in Kuwait. Total market cap fell 4% to $2.48T. Stablecoin segment $323B.
toms-abeltins· 29 May 2026· 8 min read
News
Crypto exchanges in the Baltics and Nordics - 28.05.2026
UniCredit warns the EU lacks the tools to contain a MiCA-era crypto-bank crisis; Italy's Banca Sella becomes the first MiCA-regulated crypto bank in Europe; Estonia closes Zondacrypto's 30-day window; the region has 34 days left until the 1 July MiCA transitional deadline.
On Thursday 28 May, UniCredit deputy vice chair Elena Carletti warned at the IESE conference in Madrid that the EU has fewer tools to halt a crypto-bank crisis than the US. Italy's Banca Sella becomes Europe's first MiCA-regulated crypto bank. Estonia closes the Zondacrypto 30-day window. The region has 34 days left until the MiCA transitional deadline.
toms-abeltins· 29 May 2026· 7 min read
TÝR Markets - first Norwegian crypto-native MiCA CASP
On 18 May 2026 Týr Markets AS became the first Norwegian crypto-native company with a full MiCA Article 63 CASP licence. This is the biggest Nordic MiCA story of 2026. A deep look at the platform, Volven AS's seven-year technology journey, founder Filip Berg-Nielsen, the partnerships with Arctic Securities and StackXMe, and what it means for the NorriWire region.
On 18 May 2026 Norway's Finanstilsynet issued the first crypto-native MiCA Article 63 CASP licence in the country - the recipient is Týr Markets AS. This is the biggest Nordic crypto regulation story of the year: behind the exchange stands 25-year Oslo Stock Exchange market maker Filip Berg-Nielsen and the seven-year technology built at Volven AS. This article takes a detailed look at what TÝR Markets is, how it came to be, who runs it, the financials and partnerships, and what it means for Baltic and Nordic clients.
toms-abeltins· 28 May 2026· 11 min read
News
Global crypto market May 27: BTC $75,247, IBIT $1.3B dark pool
Daily review of May 27 events - top 15 coins, stablecoins, NFT, ETF flows. BTC ~$75,247 (-1.4%), ETH $2,053 (-0.6%), SOL $83.77 (+0.4%), $1.3B IBIT dark pool sale, $333M in liquidations, Crypto Fear & Greed at 25.
On Wednesday May 27, Bitcoin pressure continued: BTC traded around $75,247 (-1.4% 24h) after an anonymous holder sold 29.2 million IBIT shares for roughly $1.3 billion via a dark pool. ETH $2,053.02 (-0.6%), XRP $1.32 (-0.5%), SOL $83.77 (+0.4%), ADA $0.239 (-0.33%). Total 24h liquidations - $333.29 million, with longs losing $282.83 million. US spot Bitcoin ETFs have seen more than $2 billion in outflows since May 14 - the eighth consecutive outflow day for IBIT. Crypto Fear & Greed Index at 25 (Fear). Stablecoin segment holds $323 billion (USDT $189.6B, USDC $77.6B). US-Iran tension continues, WTI oil $97, Brent ~$105. US Treasury freezes $344 million in Iran-linked crypto. Full Norriwire review of May 27 top 15 coins, stablecoins, NFT, ETF flows and regulatory context.
toms-abeltins· 28 May 2026· 8 min read
News
Crypto exchange news in the Baltics and Nordics - 27 May 2026
Norway's TÝR Markets secures the first full CASP licence (Finanstilsynet, 18 May), Firi remains in the application phase, Sweden's Safello becomes the first national MiCA exchange, Latvia continues its gradual licensing, Lietuvos bankas counts 218 days to the 31 December deadline, and the region has 35 days remaining.
On Wednesday 27 May, the Nordic crypto industry is marked by an accelerating pace of MiCA licence issuance - Norway's Finanstilsynet granted the first full CASP authorisation to TÝR Markets on 18 May, while Firi remains in the application phase. Sweden's Safello secures the first national MiCA licence. In the Baltics, Lithuania continues pressure on unlicensed operators, while the Bank of Latvia processes over 12 new application files.
toms-abeltins· 28 May 2026· 6 min read
Tax-tool review
What is Divly? Nordic crypto tax tool review (2026)
Stockholm fintech Divly AB, founded in 2021 by two Stockholm School of Economics graduates, has become a specialised Nordic and Baltic crypto-tax tool - localised Skatteverket K4, Skatteetaten RF-1359, Verohallinto, Skattestyrelsen, VID D-21, VMI GPM308 and MTA Tulu deklaratsioon forms, one-off payment from €39, a manual Expert review option and partnerships with Coinmotion and Safello.
An independent, fact-based review of Divly for the Norriwire region (Baltics and Nordics). We look at the founding team, the $400K seed round, customer-base size, the integration catalogue (130+ exchanges, 200+ wallets, 7,000+ currencies), the pricing model (€39-€899 one-off), tax-form support across all seven Norriwire target markets, and how Divly positions itself against Koinly, CoinTracking and Blockpit.
toms-abeltins· 27 May 2026· 10 min readNews
Global crypto market on May 26: Bitcoin below $78,000 after US strikes in Iran, $300 million in liquidations, $1.5 billion in weekly ETP outflows
Daily review of May 26 events - top 15 coins, stablecoins, NFT, ETF flows. BTC ~$76,754, ETH $2,114 (-0.5%), SOL $85, IBIT under outflow pressure again, US strikes in Iran rattle the market.
On Tuesday May 26, Bitcoin remained under pressure below $78,000 and printed $76,754.77 in the US morning session after US military strikes in southern Iran triggered roughly $300 million in liquidations and a Brent crude jump to $96. ETH $2,114.51 (-0.5%), XRP $1.36, SOL $84.60-$85.94, ADA $0.24. Global crypto ETPs saw $1.47-$1.5 billion in weekly outflows - the third-largest of 2026, with BTC products contributing $1.315 billion and ETH $222 million. BlackRock IBIT lost ~$1 billion across five trading days. Institutional rotation toward XRP, NEAR and Solana ETFs. US 30-year Treasury yield at 5.198% maintains pressure on risk assets. Full Norriwire review of May 26 top 15 coins, stablecoins (~$320B segment), NFT, ETF flows and regulatory context.
toms-abeltins· 27 May 2026· 8 min readNews
Baltic & Nordic crypto exchange news - 26 May 2026
Zondacrypto's 30-day Estonian deadline enters its final week; Lietuvos bankas intensifies pressure on unlicensed operators; Finland's Finanssivalvonta locks in the 28 July ESMA guidelines; the region counts 36 days to full MiCA implementation
On Tuesday 26 May, the Baltic and Nordic crypto market continues to feel the gradual pressure of MiCA implementation. The Estonian Financial Intelligence Unit continues to monitor Zondacrypto's 30-day remediation window, Lithuania approaches its December deadline with warnings to unlicensed firms, and Finland cements the 28 July guidelines on CASP staff qualifications.
toms-abeltins· 27 May 2026· 6 min read
Exchange review
Kvarn X: Finland's MiCA + MiFID II Exchange (2026)
A fact-based look at Kvarn X (Kvarn Capital Oy + Kvarn Investment Services Oy) - the Helsinki-based multi-asset platform with FIN-FSA MiCA CASP licence, MiFID II investment firm and EMI registration. Talos institutional execution, leadership from AAVE alumnus Martin Wichmann, Pirinen/Järvinen/Wilenius founding team, Virtune partnership and Lan To Capital strategic investment.
An independent, fact-checked review of Kvarn X - the Helsinki-based MiCA CASP + MiFID II + EMI exchange offering 400+ cryptocurrencies, stocks, ETFs and bonds in one app. 0.1 % crypto fees, Talos institutional infrastructure and leadership by AAVE alumnus Martin Wichmann since June 2025.
toms-abeltins· 26 May 2026· 10 min read
How-to
What is an ETF? A Simple Guide for Beginners
What are Exchange-Traded Funds (ETFs), how do they work, what are their benefits and risks, and what role do the new Spot Bitcoin ETFs play in the financial world?
An educational guide on Exchange-Traded Funds (ETFs). Learn how these financial instruments make it easy and cheap to diversify your portfolio, how they differ from mutual funds, and how Spot Bitcoin ETFs are changing the landscape.
toms-abeltins· 26 May 2026· 7 min read
Exchange review
Neverless: Latvia's Fourth MiCA CASP Deep Dive (2026)
A fact-based look at Neverless SIA - the fourth MiCA CASP licensed by Latvijas Banka (2026-05-20). Three ex-Revolut founders, $6.7M seed from Lakestar, 700+ crypto + stocks and ETFs at 0% fees, corporate structure across Latvia, Spain and the UK, financials, risks and what it means for the Baltic market.
An independent, fact-checked review of Neverless SIA - the new fourth MiCA CASP in Latvia. Latvijas Banka granted the licence on 20 May 2026 to an ex-Revolut team that founded a zero-fee crypto/stocks/ETF platform in 2022, backed by a $6.7M seed round from Lakestar, Connect Ventures and Nordstar.
toms-abeltins· 26 May 2026· 9 min readNews
Bitcoin consolidates after $74K low - May 25 crypto
Daily review of May 25 events - top 15 coins, stablecoins, NFT, ETF flows. BTC ~0% at $77,352, ETH $2,113 (-0.5%), IBIT 6th outflow day, SEC delays tokenized stocks exemption.
On Monday May 25, Bitcoin stabilized at $77,352 after Saturday's $74,344 low triggered a wave of ~$917 million in liquidations. ETH $2,113 (-0.5%), XRP $1.36, SOL ~$87, ADA $0.247. Spot BTC ETF on a 6th consecutive outflow day - $1.256 billion pulled in the week, BlackRock IBIT -$448 million on May 18. Trump Media moved 2,650 BTC (~$205 million) to Crypto.com. SEC delayed the tokenized stocks innovation exemption. Japan from June 1 recognizes foreign stablecoins as electronic payment instruments. Ethereum Foundation loses 2 more researchers in May - 8 in 2026 total. US Commerce $2 billion for quantum infrastructure. Full Norriwire review of May 25 top 15 coins, stablecoins, NFT, and ETF flows.
toms-abeltins· 26 May 2026· 8 min readNews
Baltic & Nordic crypto exchange news - 25 May 2026
Latvijas Banka issues its fourth MiCA CASP licence to Neverless SIA; ESMA and Finanssivalvonta reiterate the 1 July deadline; Norway formally extends its transition period to 30 June; 37 days until full MiCA implementation
On Monday 25 May, Latvijas Banka officially announced its fourth MiCA-compliant crypto-asset service provider licence, granted this month to Neverless SIA. Meanwhile Norway cements a six-month transition extension, Lithuania approaches its 31 December deadline, and the whole of Europe counts down 37 days to full MiCA implementation.
toms-abeltins· 26 May 2026· 6 min read
Opinion
Bitcoin ETF: Institutional Investor Depth & Impact
This is no longer crisis-era speculation. Spot Bitcoin ETFs absorb billions from pension and sovereign funds, creating a new asset class standard for portfolio diversification
Spot Bitcoin ETF integration into the global financial system has reached critical mass. From a speculative instrument to a standard in institutional portfolio diversification. Deep analysis of BlackRock, Fidelity inflows, pension fund positions and what it means for crypto market stability.
toms-abeltins· 25 May 2026· 6 min read
Opinion
Baltics MiCA implementation: Malta vs. Germany model
Germany's approach is too conservative — it kills innovation that is the only competitive advantage we have in the Baltics
Opinion: Germany's BaFin conservative MiCA implementation is stifling fintech innovation. The Baltic states — Latvia, Lithuania and Estonia — should instead follow Malta's MFSA proactive and business-friendly approach to become Europe's next-generation fintech hub.
toms-abeltins· 25 May 2026· 6 min read
Newrails (Ambr Payments) MiCA EURW Token Analysis
Dual-licensed EMI in Lithuania and VASP in Czechia, 2025 financial figures, owners, risks and fintech settlement rails
Comprehensive public-fact analysis of Newrails, UAB. Learn about ownership structure (Typhoon Wealth), 2025 financial performance, Monad EURW stablecoin rails, and our recommendation for B2B vs retail markets.
toms-abeltins· 25 May 2026· 6 min read
News
Global crypto market on May 24: Bitcoin reclaims $77,000 on Trump-Iran peace signals, BTC dominance near 60%
Daily review of May 24 events - top 15 coins, stablecoins, NFTs, institutional flow. BTC -1.05%, ETH -1.2%, ETH/BTC new YTD low, Trump-Iran peace memorandum as main driver.
Sunday, May 24: Bitcoin recovered above $77,000 after Saturday $74,326 lows when Trump-Iran peace memorandum signals emerged. ETH $2,098.17 (-1.2%), XRP $1.35 (-1.5%), SOL $85.34 (-2.0%). BTC dominance held ~60% - multi-month high. Stablecoin segment ~$323 billion, USDC new peak $78.96 billion. Spot SOL ETF 11th consecutive inflow day. BitMine Immersion (Tom Lee) +60,000 ETH ($126M). Fear & Greed 39 (Fear zone, improved from 35). 2026 DeFi theft approaches $2.2 billion. Full Norriwire review of May 24 top 15 coins, stablecoins, NFT, and ETF flows.
toms-abeltins· 25 May 2026· 7 min read
Exchange review
What is Crypto.com? Independent Review & Comprehensive Deep Dive (2026)
Explore Crypto.com's history, corporate scale, and Baltic/Nordic presence. A fact-checked analysis of Foris DAX MT Limited's Maltese MiCA licence, security posture after the 2022 hack, DNB fines, and the March 2025 SEC case closure.
A comprehensive, fact-checked guide to Crypto.com. Learn about founders Kris Marszalek and Rafael Melo, European operations via Foris DAX MT Limited, Maltese MiCA authorization, the 2022 wallet breach, and the successful March 2025 resolution of the SEC investigation with zero fines.
toms-abeltins· 24 May 2026· 10 min read
News
EU 20th Sanctions: Crypto Industry Ban Takes Effect Today
Categorical Russian and Belarusian CASP transaction ban, penalties, bypass precedents, and impact on the Baltics and Nordics
Today, the EU 20th sanctions package takes effect with a complete sectoral ban on transactions with Russian and Belarusian crypto platforms. Learn about the restrictions, severe penalties, historical bypass examples, and consequences in our region.
toms-abeltins· 24 May 2026· 5 min read
Altcoins vs Stablecoins: Beginner's Guide & Comparison
Blockchain alternative coins, their issuers, ecosystem role, and key differences from stable coins
Learn what altcoins are, who creates them, and how they work. In this simple guide for beginners, we compare altcoins with stable coins and share practical safety tips.
toms-abeltins· 24 May 2026· 5 min read
News
Weekly Crypto Market Overview - May 24, 2026
Bitcoin consolidation around $77K; SAGA and Solv Protocol gains; EU 20th sanctions package in effect today; Zondacrypto license crisis in Estonia; 38 days to MiCA
During the week of May 18-24, the market experienced cautious consolidation. BTC stabilized around the $77K mark. Meanwhile, the EU 20th sanctions package with a sectoral ban on Russia and Belarus takes effect today, and Estonia partially suspended Zondacrypto's license. 38 days remain to MiCA.
toms-abeltins· 24 May 2026· 6 min read
MiCA explainer
Zondacrypto & BB Trade Estonia Crisis: 4,500 BTC
Deep-dive analysis of the regions largest exchange collapse: partial suspension of VASP license, MiCA violations, financial irregularities, and fraud investigations surrounding $95 million in losses
Zondacrypto (BB Trade Estonia OÜ), which serves over one million clients, is facing an existential crisis. Estonia's FIU has partially suspended its license, revealing that 4,500 BTC is locked in a cold wallet whose only keys disappeared with the missing founder. This deep dive report compiles only verified facts.
toms-abeltins· 24 May 2026· 8 min read
News
Baltic & Nordic crypto exchange news - 24 May 2026
EU 20th sanctions package with a blanket sectoral ban on Russia and Belarus takes effect today; Zondacrypto license partially suspended in Estonia after losing access to 4,500 BTC cold wallet; 38 days to MiCA
On Sunday 24 May, crucial crypto-asset provisions of the EU 20th sanctions package take effect, introducing a blanket sectoral ban on transactions with Russian and Belarusian platforms. Meanwhile, Zondacrypto's operating license has been partially suspended in Estonia following a severe crisis and the loss of access to a cold wallet containing 4,500 BTC.
toms-abeltins· 24 May 2026· 6 min readNews
Crypto biržu ziņas Baltijā un Ziemeļeiropā - 17. maijs 2026
Bitcoin sestdien nostiprinās zem 80 000 USD pēc 30 gadu ASV obligāciju ienesīguma kāpuma līdz 5,11%; spot Bitcoin ETF nedēļa noslēdzas ar 1 mljrd. USD iznēmumiem un sešu nedēļu iepludināšanas sērijas pārtraukšanu; Paybis dubultā MiCA un PSD2 licence Latvijā paliek nedēļas centrālā jurisdikcijas tēma; 45 dienas līdz MiCA pārejas perioda beigām
Sestdien, 16. maijā, Bitcoin sasniedza dienas zemāko punktu pie 78 131 USD līmeņa, ilgākais nepārtrauktais periods zem 80 000 USD atzīmes kopš 7. maija. 30 gadu ASV obligāciju ienesīgums sestdien tuvojās 5,114% atzīmei, augstākajam līmenim 12 mēnešu griezumā, un CME nākotnes līgumi cenu modeļos iekļāva 44% iespēju, ka Fed līdz decembrim varētu pacelt likmes. Spot Bitcoin ETF nedēļas noslēgums uzrādīja 1 mljrd. USD kopējos iznēmumus, pārtraucot sešu nedēļu iepludināšanas sēriju. Baltijā Paybis dubultā Latvijas licence paliek aktuāla, līdz MiCA termiņam 1. jūlijam atlikušas 45 dienas.
toms-abeltins· 21 May 2026· 7 min readNews
Baltic & Nordic crypto exchange news - 16 May 2026
Daily briefing: in-depth exchange analyses, MiCA transition updates
Today's crypto exchange news digest from the Baltic and Nordic region — in-depth analyses of Kraken, eToro, AKJ, Lightyear, GCEX, Krak Card, Nexo Card and Koinly. Market updates for 16 May 2026.
toms-abeltins· 21 May 2026· 7 min readNews
Global crypto market on May 20: Bitcoin reclaims $77,000, BTC dominance jumps to 60.81%
Daily review of May 20 events - top 15 coins, stablecoins, NFTs, institutional flow. BTC +0.66%, ETH +0.67%, ZEC +8%, XRP ETF record week, Solana 11th consecutive inflow day.
Wednesday, May 20: Bitcoin recovered above $77,000 ($77,070.99, +0.66% 24h) after Tuesday's sell-the-news reaction. ETH +0.67% to $2,120.69. BTC dominance jumped sharply to 60.81% (+0.48 percentage points) - the highest reading in several months and a classic flight-to-quality sign. Stablecoin segment ~$322.74 billion (USDT 58.76% share). Spot XRP ETF +$60.5 million record week, Solana ETF 11th consecutive inflow day. Zcash +8% on privacy coin theme amid new Trump-Iran political warnings. Fear & Greed 40 (Fear zone), 81% of top coins in the red. Full Norriwire review of May 20 top 15 coins, stablecoins, NFT, and ETF flows.
toms-abeltins· 21 May 2026· 7 min readNews
Baltic & Nordic crypto exchange news - 21 May 2026
On 20 May the European Commission opens a public MiCA review consultation running to 31 August; Bitcoin trading near $77,333; Trump Media withdraws Bitcoin ETF application; 41 days to the MiCA deadline; Bybit EU expands Stockholm presence
On Wednesday 20 May the European Commission officially opened a public consultation on the MiCA Regulation review - the first major assessment since the rules took effect. The consultation runs until 31 August and covers stablecoins, DeFi, and the passporting principle. Bitcoin traded near $77,333 with a partial recovery after Monday and Tuesday declines. Trump Media withdrew its Bitcoin ETF application, and Bybit EU announced sponsorship of the Stockholm ATP tournament - its latest move in Nordic marketing expansion. 41 days remain until the end of the MiCA transition period.
toms-abeltins· 21 May 2026· 6 min readNews
Crypto biržu ziņas Baltijā un Ziemeļeiropā - 20. maijs 2026
Bitcoin otrdien pie 76 565 USD ar ETF aizplūdēm 1,039 mljrd USD nedēļā; Bitcoin Depot bankrots iezīmē kripto ATM sektora regulatīvās problēmas; 42 dienas līdz MiCA termiņam; Paybis Latvijas dubultā licence un Lietuvas Bankas brīdinājums Binance UAB joprojām aktuāli
Otrdien, 19. maijā, Bitcoin tirgojās ap 76 565 USD - turpinot pirmdienas krituma tendenci pēc ETF neto aizplūdēm 1,039 mljrd USD apmērā nedēļā un ASV inflācijas datu spiediena. Globāli Bitcoin Depot, lielākais kripto ATM operators Ziemeļamerikā, iesniedza Chapter 11 bankrota pieteikumu, akcentējot regulatīvā spiediena pieaugumu uz neatbilstošajiem pakalpojumu sniedzējiem. Reģionā MiCA atpakaļskaitīšana sasniegusi 42 dienas līdz 1. jūlijam, ar institucionālo infrastruktūru turpinot konsolidēties Ziemeļvalstīs caur Bitwise ETP listingu Nasdaq Stockholm un Hilbert Group/Enigma Nordic darījumu.
toms-abeltins· 20 May 2026· 7 min read
News
Baltic & Nordic crypto exchange news - 19 May 2026
Bitcoin 18. maija kritiens: BTC zem 77 000 USD, 814 miljoni USD likvid-ācijās; G7 sanāksme; Qivalis euro stablekoins ar Danske Bank un SEB; NBC2026 Stokholmā nedēļu vēlāk; 43 dienas līdz MiCA termiņam
Pirmdiena, 18. maijs, bija krituma diena kripto tirgū - Bitcoin nokritās līdz 76 270 USD un tirgū tika izspiedti vairāk nekā 814 miljoni USD likvid-ācijās. Paralēli: Qivalis euro stablekoina iniciatīva ar Danske Bank un SEB virzās uz 2026. gada otrās puses palaišanu; Nordic Blockchain Conference 2026 notiks Stokholmā 26.-27. maijā; MiCA pārejas periodam atlikušas 43 dienas.
toms-abeltins· 19 May 2026· 6 min read
News
Global Crypto Markets May 18: Bitcoin Slides Below $77K
Daily review of May 18 — top 15 coins, stablecoins, NFT, institutional flows. BTC -0.9%, ETH -2.3%.
On Monday May 18, BTC opens at $77,414 and slides to $76,803 — lowest since start of May. ETH falls to $2,113. XRP at $1.38. Geopolitical tensions (Middle East, Iran) are the primary pressure factor.
toms-abeltins· 19 May 2026· 7 min read
Exchange review
OKX EU full review 2026 - MiCA licence, DOJ $504M fine and AML history for Baltic/Nordic traders
First MiCA CASP licence in the EU (January 2025), ICE investment at $25B valuation (2026), but also DOJ $504M fine, FIAU €1.1M fine and Lazarus Group DEX incident.
OKX EU is the first global cryptocurrency exchange with a MiCA CASP licence in Malta - but in 2025 it received a double regulatory penalty: US DOJ $504M and Malta FIAU €1.1M for AML violations. The ICE investment at $25B valuation signals financial stability. What does a Baltic or Nordic trader need to know?
toms-abeltins· 18 May 2026· 8 min read
News
Global crypto market on May 17: Bitcoin stabilizes at $78,060, Fear & Greed drops to 27
Daily recap of May 17 events - top 15 coins, stablecoins, NFTs, institutional flow. SOL -7.7% on the week, HYPE +16%, BTC ETFs -$1B for the week, Fear & Greed drops 15 points in a day.
Sunday, May 17: BTC stabilizes at $78,060 after Saturday's drop. ETH holds $2,180, SOL keeps weakening (-7.7% on the week). Fear & Greed falls from 42 (Neutral) to 27 (Fear) - the sharpest sentiment drop in May. Stablecoins ~$321B. HYPE +16% on the week - only top-15 in the green. Markets brace for Warsh's first statement as Fed Chair.
toms-abeltins· 18 May 2026· 7 min read
Exchange review
Firi 2026 - how a small Oslo startup became the Nordics' number one crypto exchange (NorriWire analysis)
Firi (Firi AS, formerly MiraiEx; founded 2017) is the largest Nordic crypto exchange with 44 % market share and 250,000-400,000 users. Norwegian e-money licence, MiCA application in NO+DK, BankID and Vipps integration, Fireblocks custody. Any scam incidents? Comparison with competitors in the NorriWire region.
When in 2017 the Oslo founders Thuc Tuan Hoang and Øyvind Kvanes launched an exchange called MiraiEx, no one yet predicted that within a few years it would become the largest crypto exchange across the entire Nordic region. By 2026 this company, now rebranded as Firi, serves almost half of all Nordic crypto customers and is one of the most significant players in the NorriWire region's landscape.
toms-abeltins· 18 May 2026· 12 min read
News
Baltic & Nordic crypto exchange news - 18 May 2026
Bitcoin consolidates near $78,100 on Sunday in the fifth consecutive session below $80,000; Fear and Greed Index at 31; whale wallets accumulated more than 61,000 BTC over the past month; Baltic-Nordic region approaches the MiCA deadline with 44 days to 1 July
On Sunday 17 May, Bitcoin traded at approximately $78,031-$78,156, the fifth consecutive session below $80,000. The Crypto Fear and Greed Index settled at 31 ("Fear" zone), with RSI close to oversold. Addresses holding 10-10,000 BTC accumulated more than 61,000 BTC over the past month. In the Baltics, Paybis dual license remains topical, Lithuanian enforcement against unlicensed providers continues, Estonia faces VASP pressure before 1 July. Norway Finanstilsynet transition runs to 30 June. 44 days remain to the MiCA deadline.
toms-abeltins· 18 May 2026· 7 min read
Exchange review
AK Jensen (AKJ) and the first Nordic MiCA Article 60 attachment - what it means for the region
On 2026-02-01 Norway's Finanstilsynet issued AK Jensen Norway AS the first MiCA Article 60(3) attachment in the Nordics. A 31-year-old institutional brokerage (Anders Kvamme Jensen, 1995) with UK FCA AIFM + FINRA US licences and shareholder AUM of $41+ billion. Comparison with GCEX and Lightyear.
On 1 February 2026 Norway's Finanstilsynet issued AK Jensen Norway AS the first MiCA Article 60(3) attachment in the Nordic region. AKJ is a 31-year-old institutional brokerage and hedge fund administrator group with a parent company in London, clients in 35 countries and shareholder assets under management above $41 billion. In this deep dive we look at what an Article 60 attachment is, how AKJ differs from GCEX and Lightyear, and why this still matters to a retail user in the Norriwire region.
toms-abeltins· 18 May 2026· 12 min read
News
Global crypto market on May 16: Bitcoin drops below 78,200 USD, ETH worst week among majors
Daily recap of May 16 events - top 15 coins, stablecoins, NFTs, institutional flow. ETH -5.6% on the week, BTC ETFs -$290M, XRP ETFs +$10.87M the only positive.
Saturday, May 16: BTC fell to $78,131 - lowest since May 7. ETH was the worst major of the week at -5.6%, Solana -7%. Stablecoins held at ~$321B. XRP ETFs at +$10.87M were the only spot crypto ETFs with positive flows, while BTC ETFs bled $290.42M and ETH ETFs lost $65.65M. Norriwire's full recap on top 15 coins, stablecoins, NFTs and institutional flow.
toms-abeltins· 17 May 2026· 7 min read
NFTs for beginners 2026 - what they are, how they work, and why someone paid $69 million for pixels
A simple, accessible NFT explainer for people who know nothing about the topic yet. Beeple, CryptoPunks, BAYC, the differences from Bitcoin and stablecoins, how to buy your first NFT, the risks, and the Norriwire region context.
If you have ever wondered why the news in 2021 reported on a "JPG file" sold for 69 million dollars, or why someone is paying 70,000 dollars for a pixelated profile picture, you are in the right place. This article is aimed at someone who knows nothing about NFTs yet, and the goal is to explain in plain language what they are, how they work, how they differ from Bitcoin and stablecoins, and whether you even need one.
toms-abeltins· 17 May 2026· 14 min read
Exchange review
Penning 2026 - the first Danish MiCA CASP with portfolio management (deep dive)
Penning Financial Services ApS (Finanstilsynet FTID 10902, 2026-01-15) is the first Danish full MiCA CASP and the only one with a crypto portfolio management licence. 190+ tokens across 28+ networks, 7 of 9 MiCA service categories, 29-country EEA passport.
When the Danish Finanstilsynet issued the first full MiCA CASP licence on 15 January 2026, the recipient was neither Saxo Bank nor Danske Bank's crypto desk. It was Penning - a four-year-old Copenhagen startup with FTID 10902 that effectively made Denmark a new Nordic crypto regulatory jurisdiction. Even more interesting: Penning simultaneously received something that remains rare across the entire EU - a crypto portfolio management licence.
toms-abeltins· 17 May 2026· 11 min read
Tax-tool review
Koinly for the Baltic and Nordic regions - the only global crypto-tax tool with all 7 country forms (2026)
The global crypto-tax leader (since 2018, 850+ exchange integrations, 40,000+ Trustpilot reviews, 4.6 rating) with official tax-form generation in all 7 Norriwire target markets - LV D-21, LT GPM308, EE Tulu dekl., FI Lomake 9, SE K4, NO RF-1359, DK Årsopgørelse. Per-tax-year pricing ($49-$279), free tier up to 10,000 transactions.
Filling out crypto tax returns in the Baltic and Nordic regions has always been labour-intensive - most international tools only produce a generic PDF and you have to transcribe numbers into LV D-21 or FI Lomake 9 yourself. Koinly solves this - it is the only global tool that generates official forms for all 7 Norriwire target markets. This deep dive covers why Koinly leads the market, how the per-tax-year pricing works, what sets it apart from Divly/Blockpit/CoinTracking, and when it fits a specific Baltic/Nordic user.
toms-abeltins· 16 May 2026· 14 min read
Card review
Nexo Card - one card, two modes: the only EEA Mastercard with dual Credit + Debit (2026)
Mastercard issued by Lithuanian EMI DiPocket UAB - 0.2% FX in EEA/UK/CH, up to 2% NEXO Token cashback, USD 5,000+ entry barrier. Plus Nexo Group's 2023 SEC settlement and the closing of the Bulgarian investigation - why it is still a legitimate product and how to judge whether it fits you.
The EEA crypto card market is saturated in 2026. Among dozens of competitors, the Nexo Card stands out with one unique feature: a single card that switches from Credit Mode to Debit Mode at one tap. This deep dive walks through how it works, what it really costs (0.2% FX on weekdays, up to 2% cashback), Nexo Group's 2023 SEC settlement (USD 45M) and the closed Bulgarian investigation, plus who the card suits and who should look elsewhere.
toms-abeltins· 16 May 2026· 13 min readNews
Global crypto market on May 15: Bitcoin reclaims 82,000 USD, closes below 80,000
Daily recap of May 15 events - top 15 coins, stablecoins, NFTs and institutional flow. CLARITY Act advances, Warsh takes Fed chair, HYPE +17%, USDT at 190B USD
Friday, May 15: BTC initially pushed above 82,000 USD after the CLARITY Act cleared the Senate Banking Committee but closed the session back below 80,000 USD. ETH printed 2,283 USD (+1.1%), BTC dominance hovered at 60.3%, Fear & Greed Index 43. USDT hit an all-time high of 190B USD, HYPE jumped 17% on the Coinbase USDH deal, and small-cap altcoins saw 27% rallies and 54% drawdowns. Norriwire's full recap on top 15 coins, stablecoins, NFTs and institutional ETF flow.
toms-abeltins· 16 May 2026· 7 min read
Exchange review
Simplex - the crypto rail you have most likely already used? A deep dive 2026
Lithuania's MiCA CASP fiat-to-crypto on-ramp gateway with 11 years of history, 350+ partners (Trust Wallet, KuCoin, Trezor) and parent Nuvei taken private in November 2024 for USD 6.3B. Fees 3.5-5% - and why it is still the EU standard.
If you have bought Bitcoin in the past five years through Trust Wallet, Trezor Suite, the KuCoin card, BitGet, Atomic Wallet or Changelly, the transaction was most likely processed by Simplex behind the scenes. We dig into what Simplex (Nuvei Liquidity, UAB) really is, what happened to parent Nuvei in 2024 (Advent International take-private for USD 6.3B), what a Simplex-processed purchase actually costs (3.5-5% per transaction + USD 10 minimum), and what the real risks are for users.
toms-abeltins· 16 May 2026· 12 min read
Exchange review
eToro after the NASDAQ IPO and MiCA - a Baltic/Nordic user's deep dive (2026)
eToro's strongest year ever: 2025-02-19 first CySEC MiCA CASP licence + 2025-05-14 NASDAQ IPO (ETOR, $52/share, ~$4.2-5.6B valuation). We look at how the multi-asset model works, whether the 1% spot crypto spread is justified, how CopyTrader sets it apart, and why eToro Money Card with 4% stock reward is conceptually unique.
2025 has been eToro's strongest year on record: on 19 February the company received the first CySEC MiCA CASP licence, and on 14 May it went public on NASDAQ under the ticker ETOR. This deep dive examines what eToro really means for a Baltic and Nordic user in 2026 - how the multi-asset model works, whether the 1% spot crypto spread is justified, how CopyTrader sets it apart from competitors, and why the eToro Money Card with 4% stock reward is a conceptually unique product.
toms-abeltins· 16 May 2026· 12 min read
Card review
Krak Card 2026 - Kraken Mastercard Debit with Lithuanian EMI and 2% cashback (deep dive)
Krak Card launched 2025-11-25, Metal Card and 2% cashback upgrade 2026-03-31. EEA issuer: Monavate UAB (Lietuvos bankas EMI No. 92). Tiered cashback 0.5-2% by Kraken balance. Comparison with Crypto.com Visa and eToro Money Card.
On 25 November 2025 Kraken launched Krak Card - a Mastercard Debit product. But the real significance came on 31 March 2026, when the card was upgraded with Metal Card and a cashback boost to 2% for larger balance holders. The key finding for the Norriwire region: the card issuer is Monavate UAB - a Lithuanian EMI with Lietuvos bankas licence No. 92.
toms-abeltins· 16 May 2026· 9 min read
Exchange review
GCEX and institutional crypto infrastructure in the Baltics and Nordics (2026)
The first large digital prime broker with a full MiCA CASP licence (Finanstilsynet, 2025-12-15). What "institutional prime brokerage" means and why it still matters to retail users who will never use GCEX themselves.
For most Baltic and Nordic crypto users, the name GCEX rings no bell. It is not a marketed retail exchange like Bitvavo, eToro or Coinbase. Yet on 15 December 2025 GCEX became the first large digital-asset prime brokerage to receive a full MiCA CASP licence from the Danish Finanstilsynet. This article explains what "institutional crypto infrastructure" means and why it still matters to a retail user.
toms-abeltins· 16 May 2026· 10 min read
Exchange review
Lightyear enters crypto - what changes for Baltic and Nordic users in 2026 (deep dive)
In May 2026 the Tallinn neobroker Lightyear launched crypto trading with 12 coins and a 0.45% flat fee, using Kraken as the liquidity partner. MiCA CASP licence from EFSA (2025-11-17). Comparison with Bitvavo, eToro, Coinbase and why the Wise-alumni "MiCA-native" approach is an interesting case.
In May 2026 the Tallinn-registered investment neobroker Lightyear took a significant step: it let its customers trade cryptocurrencies for the first time, alongside stocks, ETFs, government bonds and MMFs. This article explains what Lightyear's crypto integration means for a Baltic or Nordic user, how it compares to Bitvavo, eToro and Coinbase, and why the Wise-alumni team's "MiCA-native" approach is an interesting case study.
toms-abeltins· 16 May 2026· 13 min read
Card review
Krak Card vs Crypto.com Visa vs eToro Money Card - which crypto card is best for the Baltics in 2026
A detailed comparison of three different reward models: Krak Card 0.5-2% (EUR/BTC, balance-based), Crypto.com 1-5% (CRO stake), eToro 4% (in European stocks). Which one wins for a specific Norriwire region user profile?
Krak Card (2025-11-25 launch), Crypto.com Visa (since 2018, MFSA Malta MiCA 2025-01-27) and eToro Money Card (2025-06-24 EU launch) are the three leading crypto cards in the Norriwire region. In this deep comparison we look at why three different reward models (balance-based, token staking, stock rewards) change the card choice depending on user profile.
toms-abeltins· 16 May 2026· 11 min read
Exchange review
Kraken and the first major global crypto exchange MiCA licence - deep dive 2026
On 2025-06-26 the Central Bank of Ireland issued Kraken the first major global MiCA CASP licence (No. C559106). 15 years with no security incidents, 200+ coins, Pro mode at 0.25%/0.40%, staking on 17 coins. Comparison with Bitvavo, Bitstamp, Coinbase, eToro and Lightyear.
On 26 June 2025 the Central Bank of Ireland issued Kraken the first major global MiCA CASP licence. Kraken's 15-year track record is the industry gold standard - the only one among the world's top-10 crypto exchanges with no major security incidents. In this deep dive we look at what 2025-06-26 means for European crypto regulation, why Kraken Pro mode is 3.75× cheaper than the standard interface, and how Kraken differs from Bitvavo, Bitstamp, Coinbase and Lightyear.
toms-abeltins· 16 May 2026· 14 min read
Exchange review
Bittimaatti - legitimate exchange or shaky website? A deep dive (2026)
Finland's oldest Bitcoin-ATM network, with a MiCA CASP licence from FIN-FSA, Coinmotion as parent, and round-trip fees that can hit 25% - plus a homepage that looks shaky at first glance. We put all the facts on the table.
Bittimaatti.fi gives a confusing first impression - a WordPress site with placeholder elements and a bold claim of being "the only MiCA-regulated provider in the EU" (it isn't). But behind the rough website sits a fully legitimate 11-year-old Finnish Bitcoin-ATM network with a real FIN-FSA MiCA CASP licence and Coinmotion as its parent. We look at what Bittimaatti actually is, what it really costs to buy crypto at the ATM (5–15% per side plus a €1 network fee - up to 25% round-trip), why nine of fifteen ATMs were closed in Q1 2026, and what the real risks are - starting with the romance scams the company itself warns about.
toms-abeltins· 15 May 2026· 10 min readMiCA explainer
MiCA + PSD2 Dual Licence for Crypto Companies
Explanation of the dual MiCA CASP and PSD2 EMI licence model, real-world examples and competitive advantages for fintech companies in the Baltics and Nordics
The first MiCA + PSD2 dual licence (Paybis Europe, May 2026) marks a new era in EU crypto regulation. This guide explains what the dual licence means, which companies can qualify, and why it gives a significant competitive advantage in the fintech space.
toms-abeltins· 15 May 2026· 7 min readMiCA CASP status in the Baltics and Nordics — mid-May 2026
Updated regional report on the 21 MiCA-licensed CASPs in the region
Eight days since our previous 2026-05-07 report, Paybis Europe became Latvia's third MiCA CASP (12 May) with the first MiCA + PSD2 EMI dual licence. Total MiCA CASP count in the Baltics and Nordics: 21.
toms-abeltins· 15 May 2026· 8 min readNews
Swedish Crypto Exchanges 2026 - MiCA & Finansinspektionen
Safello, Goobit/BTCX, Trijo and Klarna — who is the largest, who is waiting for a MiCA licence, who is on the Finansinspektionen Warning List 2026
Q1 2026 update on the regulated Swedish crypto exchange market: Safello (425,400+ users, only one with a MiCA licence) revenue −28% YoY; Goobit/BTCX (since 2011) waiting on a MiCA decision; Trijo remains a pre-MiCA VASP; Klarna is going the stablecoin-issuer route.
toms-abeltins· 15 May 2026· 6 min read
How-to
Hardware Wallet Guide 2026 - Why You Need One
USB, Bluetooth and air-gapped wallet types, a comparison table for 19 models (Ledger, Trezor, BitBox, Coldcard, Foundation, NGRAVE, Tangem, Keystone, Blockstream Jade, etc.), and how to pick the right one
A hardware wallet holds your crypto private key in a secure chip, off the internet. This guide walks through the three main types — USB-cable, Bluetooth/mobile, and air-gapped QR/NFC — with concrete examples from the 19 models in our catalog: Ledger Nano S Plus (€53), Trezor Safe 3 (€59), Ledger Nano X (€109), Trezor Safe 5 (€129), BitBox02 (€149), Coldcard Q (€185), Foundation Passport (€240), NGRAVE ZERO (€398), Ledger Stax (€419) and more.
toms-abeltins· 15 May 2026· 12 min read
How-to
Stablecoin Guide 2026: Pros, Cons & Best Choices
How stablecoins differ from Bitcoin and Ethereum, why USDT is no longer on EU exchanges, why USDC and EURC are the best choices under MiCA, and what went wrong with Terra 2022 and USDC 2023
Stablecoins combine blockchain speed with currency stability. This guide explains the three main types (fiat-, crypto-, algorithmic), the May 2026 market (USD 322 billion total, USDT 58%), real-world risks (Terra collapse 2022, USDC depeg 2023) and why USDC and EURC are the best choices in the regulated EU market.
toms-abeltins· 15 May 2026· 15 min read
News
Paybis Europe - Latvia's 3rd MiCA CASP & PSD2 licence
On 12 May 2026 Latvijas Banka issues SIA Paybis Europe a simultaneous MiCA CASP and PSD2 EMI licence — structural analysis of the company's history, growth metrics, B2B2C white-label strategy and open risk questions
On 12 May Latvijas Banka issued SIA Paybis Europe a MiCA CASP licence and a PSD2 payment institution licence — Latvia's third MiCA CASP authorisation and the first dual-licence case. The Paybis group (founded 2014, Warsaw HQ) reached USD 2.6 billion in trading volume and 4.6 million users in 2024; the user base grew to roughly 7 million in 2025. Critical points: pricing is structurally higher than typical regulated exchanges, financial transparency is limited.
toms-abeltins· 15 May 2026· 9 min readNews
Baltic & Nordic crypto exchange news - 15 May 2026
Daily briefing: regional MiCA CASP report, exchange news and market updates
Today's crypto exchange news from the Baltic and Nordic region for 15 May 2026 — 21 MiCA-licensed CASPs in the region, latest regulatory and exchange updates.
toms-abeltins· 15 May 2026· 8 min readNews
Crypto biržu ziņas Baltijā un Ziemeļeiropā — 14. maijs 2026
Latvijas Banka izsniedz Paybis dubulto licenci — MiCA CASP un PSD2 maksājumu iestādes statuss vienlaikus; karstais aprīļa PPI 6% nogāž Bitcoin zem 80 000 USD; ETF ieplūdes turpinās septiņas nedēļas; 48 dienas līdz MiCA termiņam
Iepriekšējās dienas (13. maijs, trešdiena) svarīgākais notikums Baltijas reģionā: Latvijas Banka publicē paziņojumu par dubulto licenci SIA Paybis Europe — MiCA CASP un PSD2 maksājumu iestādes statuss vienlaikus, pirmais šāds gadījums Latvijā un trešais MiCA CASP licences turētājs valstī. Globālajos tirgos karstais aprīļa PPI 6% nogāž Bitcoin zem 80 000 USD līmeņa pēc otrdienas CPI 3,8% pārsteiguma. ASV spot Bitcoin ETF turpina septiņu nedēļu neto ieplūdes seriālu ar 358 mln. USD dienas ieplūdi. Atlikušas 48 dienas līdz 1. jūlija MiCA termiņam un 75 dienas līdz 28. jūlija ESMA kompetences vadlīnijām.
toms-abeltins· 14 May 2026· 8 min readNews
Crypto biržu ziņas Baltijā un Ziemeļeiropā — 13. maijs 2026
Karstais aprīļa CPI 3,8% nogāž Bitcoin no 82 000 USD pretestības, atlikušas 49 dienas līdz MiCA termiņam un 76 dienas līdz ESMA kompetences vadlīnijām, Latvijas Bankas 12. maija supervīzijas paziņojums fintech stratēģijas kontekstā
Iepriekšējās dienas (12. maijs, otrdiena) svarīgākie notikumi crypto biržu nozarē: Bitcoin nokrīt no 82 164 USD pirmdienas atvēršanas līdz aptuveni 80 389–80 861 USD līmenim pēc karstā aprīļa CPI 3,8% gada inflācijas datu publikācijas; Ethereum −3% līdz 2 259 USD; atlikušas 49 dienas līdz 1. jūlija MiCA termiņam un 76 dienas līdz 28. jūlija ESMA kompetences vadlīnijām; Latvijas Banka 12. maijā publicē supervīzijas paziņojumu fintech stratēģijas kontekstā; Norvēģijas Finanstilsynet gatavojas 2025. gada pārskata publikācijai; Ziemeļvalstu mazumtirdzniecības konkurence saglabājas.
toms-abeltins· 13 May 2026· 7 min readNews
Baltic & Nordic Crypto Exchange News - 12 May 2026
Daily briefing: Paybis Europe MiCA + PSD2 licence, exchange news, regulatory changes
Today's crypto exchange news: Paybis Europe receives Latvia's third MiCA CASP licence plus PSD2 EMI dual-licence. Regulatory updates and market news for 12 May 2026.
toms-abeltins· 12 May 2026· 7 min readNews
Crypto biržu ziņas Baltijā un Ziemeļeiropā — 11. maijs 2026
Bitcoin svētdien stabili virs 80 000 USD ar zemu nedēļas nogales volatilitāti, 51 diena līdz MiCA termiņam, ESMA kompetences vadlīnijas tuvojas, Latvijas un Igaunijas licencēšanas plūsmas turpinās, Ziemeļvalstu mazumtirdzniecības konkurence pieaug
Iepriekšējās dienas (10. maijs, svētdiena) svarīgākie notikumi crypto biržu nozarē: Bitcoin svētdienas sesijā stabilizējies ap 80 700–80 910 USD līmeni (+0,4–0,6%) tehniski šaurā 80 217–81 063 USD diapazonā; atlikušas 51 diena līdz 1. jūlija MiCA termiņam; sentiments pieaug līdz Fear & Greed 47 (neitrāli); Latvijas, Igaunijas un Norvēģijas CASP licencēšanas procesi turpinās; Ziemeļvalstu mazumtirdzniecības konkurence Coinmotion-Firi-Northcrypto trīsstūrī saglabājas izteikta.
toms-abeltins· 11 May 2026· 7 min readNews
Baltic & Nordic crypto exchange news - 10 May 2026
Daily briefing: MiCA updates, exchange news, regulatory changes across the region
Today's crypto exchange news digest from the Baltic and Nordic region for 10 May 2026 — regulatory updates, new licences, exchange developments and market news.
toms-abeltins· 10 May 2026· 7 min readNews
Crypto Exchange News in the Baltics and Northern Europe — 9 May 2026
Bitcoin slips below USD 80,000 ahead of US payrolls, 53 days to MiCA deadline, Bank of Lithuania warnings line, Latvia licensing pipeline and Nordic retail competition
Key crypto-exchange events on 8 May: Bitcoin slips below USD 80,000 before the US NFP report, 53 days remain until the 1 July MiCA deadline, Bank of Lithuania maintains LWEX and Binance UAB warnings, Latvia at five applications and two CASP licences, Norway's Firi prepares Sweden expansion.
toms-abeltins· 9 May 2026· 7 min readNews
Crypto exchange news in the Baltics and Northern Europe — 8 May 2026
Bitcoin ETF nine-day inflow streak ends with $268M outflow, 54 days to the MiCA deadline, Latvia's government refines its fintech strategy, and Lithuania's sector contraction continues
The previous day's (7 May) most important crypto exchange events: US spot Bitcoin ETFs ended a nine-day inflow streak with $268.46M of outflows (BlackRock IBIT lost ~$98M), directly affecting the Nasdaq Stockholm ETP market; 54 days until the MiCA transition deadline; Latvia's government fintech-strategy meeting on 6 May; and the positioning of Lithuanian, Estonian, Norwegian, Finnish and global exchanges.
toms-abeltins· 8 May 2026· 6 min read
News
Gemini Exits EEA — All Customer Accounts to Close on 2026-04-06
A business, not regulatory decision: Winklevoss brothers refocus on US and prediction markets; customers can migrate to eToro or choose other MiCA exchanges (Bitvavo, Kraken, Coinmotion, Trade Republic)
On 6 April 2026, Gemini Intergalactic EU Limited (Malta MFSA MiCA CASP) will close all customer accounts in the EEA, UK and Australia. Accounts have been withdrawal-only since 2026-03-05. The reason is a business decision, not regulatory: foreign markets failed to justify compliance costs. The only major MiCA exchange choosing to exit, while Coinbase, OKX and Bybit actively expand.
toms-abeltins· 8 May 2026· 6 min readBaltics and Nordics in the MiCA CASP Register — Status as of 7 May 2026
The ESMA Interim register currently lists 19 authorised CASPs in the eight target countries; Norriwire just added 11 new entries pulled directly from the official ESMA CSV
In the ESMA central MiCA register (CSV from 2026-05-07), the Baltics and Nordics hold 19 fully authorised CASPs — Lithuania 6, Finland 5, Denmark 4, Latvia 2, Sweden 1, Estonia 1; Norway and Iceland have none yet. The Norriwire seed has been refreshed with 11 missing entries, all HIGH confidence with a direct ESMA source.
toms-abeltins· 7 May 2026· 6 min read
News
Introducing NorriWire — an independent crypto comparison platform for the Baltic and Nordic markets
Grab Solutions SIA press release: NorriWire helps users navigate licensed crypto services, exchanges, wallets and cards
Starting in May 2026, Grab Solutions SIA (grabbity.eu) has launched NorriWire — an independent comparison platform where users in the Baltic and Northern European markets can explore licensed crypto platforms, exchanges, wallets, card services, the CASP register and applicable market regulation.
toms-abeltins· 7 May 2026· 4 min read
How-to
How to start with crypto safely in the Baltics and Nordics in 2026
A practical 7-step beginner's guide — from choosing a regulated exchange to filing taxes
In the era of unified MiCA regulation, buying crypto in the Baltics and Nordics has become safer but also more complex. This step-by-step guide shows beginners how to invest safely — from choosing a CASP-licensed exchange to filing taxes and building a long-term strategy.
toms-abeltins· 7 May 2026· 11 min readNews
AML Tallinn 2026 closes — crypto and virtual asset oversight ahead of MiCA deadline (6 May 2026)
Nordic-Baltic AML / FinCrime & Tech conference in Tallinn, Lithuania's sector contraction and Latvia's pre-licensing pipeline — a snapshot less than two months before the 1 July MiCA deadline
On 6 May the Nordic-Baltic AML / FinCrime & Tech Conference 2026 closed in Tallinn with a full second-day afternoon session on crypto and virtual assets. At the same time, Lithuania's crypto sector continues to contract under the new MiCA enforcement regime, Latvia's pre-licensing pipeline is growing, and Norway has invoked the full transition window through 30 June.
toms-abeltins· 7 May 2026· 7 min readNews
Status snapshot — CASP licences un MiCA termiņš Baltijā un Ziemeļeiropā (6. maijs 2026)
Atjaunināta CASP licenču karte un watchlist nedēļām pirms 1. jūlija MiCA termiņa — bez svaigu ziņu pārpakošanas, ar precīziem datumiem
Pēdējās 24 stundās jaunu nozīmīgu notikumu Baltijas un Ziemeļvalstu crypto biržu nozarē nav. Šis ir godīgi datēts status snapshot pirms 1. jūlija MiCA termiņa: kalendārs, CASP licenču karte pa valstīm, globālo biržu pozicionēšanās un watchlist atlikušajām nedēļām.
toms-abeltins· 6 May 2026· 6 min readNews
Crypto biržu ziņas Baltijā un Ziemeļeiropā — 5. maijs 2026
ESMA atgādina par 1. jūlija MiCA termiņu, Lietuva piemēro pilnīgu enforcement, Latvijai izsniegtas divas CASP licences, Norvēģija pagarina pārejas periodu
Iepriekšējās dienas (4. maijs) un nesenās nedēļas svarīgākie notikumi crypto biržu nozarē Baltijā un Ziemeļvalstīs: ESMA paziņojums par MiCA pārejas perioda beigām, Lietuvas Bankas brīdinājums Binance, Latvijas Bankas izsniegtās CASP licences, Igaunijas VASP termiņš, FIN-FSA un Coinmotion modelis, Norvēģijas Finanstilsynet pagarinājums, Firi un Bitwise konkurences pieaugums.
toms-abeltins· 5 May 2026· 6 min readNews
Crypto biržu ziņas Baltijā un Ziemeļeiropā — 4. maijs 2026
MiCA termiņš tuvojas, Lietuva pastiprina enforcement, Bitwise ieiet Nasdaq Stockholm un institucionālais kapitāls turpina ieplūst Bitcoin ETF
Iepriekšējās dienas svarīgākie notikumi crypto biržu nozarē Baltijā un Ziemeļvalstīs: MiCA pārejas perioda termiņš 1. jūlijā, Lietuvas Banka pret Binance, Latvijas fintech stratēģija, LHV/Bitstamp partnerība Igaunijā, Bitwise ETP listing Stokholmā, OKX un Bybit paplašināšanās Ziemeļvalstīs un BlackRock IBIT Bitcoin ETF rekordieplūdumi.
toms-abeltins· 4 May 2026· 6 min read