Built with regulation in mind.
Avus is native to the EU rulebook for crypto-assets and ready for the Emirate of Dubai. Each requirement becomes a control, and each control leaves evidence a supervisor can read.
The EU rulebook.
Four regulations shape how a crypto-asset service provider works in Europe, from the licence to the last record.
MiCA
Markets in Crypto-AssetsAuthorisation, governance and ongoing obligations, evidenced from day one.
Read moreAMLR
Anti-Money Laundering RegulationOne EU rulebook for due diligence and monitoring, applied the same way every time.
Read moreTravel Rule
Transfer of Funds RegulationOriginator and beneficiary data travels with every transfer and is checked before funds move.
Read moreDORA
Digital Operational Resilience ActOperational resilience, with the logs, controls and third-party records auditors ask for.
Read moreThe Emirate of Dubai.
One of the world’s main crypto hubs, with a dedicated regulator and rules that sit close to Europe’s but differ in the detail.
Emirate of Dubai
Virtual Assets Regulatory AuthorityLicensing, a travel rule from AED 3,500 and AML records kept for eight years.
Read moreTravel rule thresholdIn the EU there is no minimum between CASPs.
AML record retentionThree years longer than the five the EU requires.
What applies, and when.
Every date that matters across both rulebooks, with what has passed and what comes next.
- MiCA and the travel rule apply to CASPsAuthorisation, and data on every transfer.EU
- DORA appliesICT risk, incidents, testing and providers.EU
- VARA Rulebooks 2.0 applyUpdated rules for every Dubai VASP.VARA
- New UAE AML lawFederal Decree-Law No. 10 of 2025.UAE
- MiCA transitional periods endAuthorisation needed everywhere in the EU.EU
- The AMLR appliesOne EU rulebook for AML.EU
- AMLA direct supervisionThe largest cross-border firms, supervised by the EU.EU
Same intent, different detail.
Both regimes follow the FATF standards. Where they part is in thresholds, retention and who you answer to.
| Requirement | European Union | Emirate of Dubai |
|---|---|---|
| Who supervises | The national regulator that granted the MiCA authorisation, with AMLA supervising the largest cross-border firms directly from 2028 | VARA, across the Emirate of Dubai except the DIFC, which has its own regulator |
| Licence | One CASP authorisation, passported to every member state | A VARA licence for each virtual asset activity |
| Travel Rule threshold | None between CASPs, so it applies from the first euro | AED 3,500, converted at a live rate |
| Self-hosted wallets | Ownership or control assessed above €1,000 | Risk-based policy, with added checks on identity and source of funds |
| AML record retention | 5 years after the relationship ends | 8 years at least, for AML/CFT records and sanctions freezes |
| Suspicion reports | To the national FIU, often through goAML | To the UAE FIU, through goAML |
| Privacy coins | No anonymous accounts or anonymity-enhancing coins at CASPs from July 2027 | Activities involving anonymity-enhanced crypto are prohibited |
One programme, every rulebook.
Requirements differ by where the customer and the licence sit. The workflow and the record do not.
Thresholds and retention that follow the customer
AED 3,500 or the first euro, eight years or five, applied by where the customer and the licence sit.
One case, one trail
Investigations, evidence and decisions live in the same record, whichever regulator reads it.
Filed where it belongs
Reports go to the right FIU in the right format, signed by the right person.
Tell us where you are licensed.
We will map your obligations in each jurisdiction onto Avus and show the evidence each one leaves.
Sources
A summary to help you find your way, not legal advice. The official texts are the reference, and your own counsel should confirm how they apply to you.