Morphic Financial Group Owned Subsidiary Granted MiCA License

Morphic Financial Group, the London-based holding company of leading European crypto payments provider Ari10, today announced its subsidiary, WEB3 Holding B.V., has officially been granted a MiCA license by the Dutch regulator. The approval will consequently allow Morphic Financial Group to operate across the European Union under the EU’s new Markets in Crypto-Assets (MiCA) framework.

MiCA, which came into effect in December 2024, is the EU’s first comprehensive regulatory regime for digital assets. It introduces and upholds strict rules around consumer protection, transparency and anti-money-laundering (AML) safeguards and governance requirements, creating a unified market for crypto services across all 27 member states.

With its license in hand, the Morphic-owned WEB3 Holdings B.V. now joins the small but growing group of firms licensed to provide MiCA-compliant crypto services in Europe. The Holding company’s ecosystem, which includes digital assets gateway Ari10, offers secure, fast, and transparent fiat-to-crypto transactions, already serving over 940,000 users across 17+ countries. 

The Dutch entity has been structured with substance, governance and oversight at its core and has established a balanced Board of Directors with decision-making rooted firmly in the Netherlands, supported by a robust three-lines-of-defence framework and a locally based compliance officer. This structure is underpinned by comprehensive risk disclosures, know your customer (KYC), AML monitoring, and travel rule compliance embedded across all Ari10 products.

The MiCA license represents both a recognition of Morphic’s regulatory-first approach and a milestone in its ambition to become Europe’s digital financial services champion.

Mateusz Kara, CEO of Morphic Financial Group, said: “Being granted a MiCA license is not just an endorsement of our compliance architecture; it is a statement that we are ready to operate at the highest European standards. For us, MiCA is not a barrier; it is a passport to scale. This approval gives our partners, users and regulators confidence that both Morphic and Ari10 can bridge the future of payments with the trust and governance that the market demands.”

Artur Pszczółkowski, Co-founder and Board Member of Ari10, added: “Our team has spent months building the substance and governance needed to meet Dutch and EU expectations. This is a landmark for Ari10 as we prepare for further growth, our upcoming UK IPO, and deeper engagement with institutional partners. MiCA provides clarity, and clarity creates confidence.”