We're excited to share some important news about CoinJar and upcoming changes to our services for customers in Ireland.

CoinJar Europe Limited (C496731) has been authorised by the Central Bank of Ireland to provide crypto-asset services across the European Economic Area (EEA) under the Markets in Crypto-Assets Regulation (MiCAR).

MiCAR, refers to a new regulatory framework from the European Union designed to protect cryptocurrency users and create clear rules for crypto companies.

This authorisation, effective as of 9 December 2025, confirms our long-term commitment to operating safely, transparently and in full compliance with European Regulations. 

As an authorised Crypto-Asset Service Provider (“CASP”), CoinJar Europe Limited can continue to compliantly provide the following crypto services under Article 3(1)(6) MiCAR:

• Custody and administration of crypto-assets on behalf of clients
• Exchange of crypto-assets for funds
• Exchange of crypto-assets for other crypto-assets
• Transfer services for crypto-assets on behalf of clients

What's Changing for Irish Customers

Deposit Method Changes

Fiat deposits (SEPA payments) – Your deposit details have been updated. Please check the deposit section of your account for the new information before making any transfers. 

Crypto deposits – We've partnered with Fireblocks to provide enhanced security for your assets. Your crypto deposit addresses have changed, so please verify your new addresses before sending any crypto to avoid loss of funds.

Wallet Changes

Your crypto is being moved to segregated wallets – This means your funds will be held separately in CoinJar Europe Limited's dedicated wallets rather than in our global wallet system. This provides additional protection and regulatory compliance, ensuring your assets are clearly separated from company funds.

Stablecoin Updates (USDC)

USDC sends are temporarily disabled – Under MiCAR's strict stablecoin requirements, stablecoins pegged to fiat (like USDC) are defined as e-money tokens. CoinJar is currently not licensed to provide transfer services in respect of e-money tokens.

This means we cannot currently offer USDC withdrawals to external wallets. You'll see a warning about this during the purchase process.

USDC deposits remain active – This means you can still transfer USDC into your CoinJar wallet from external sources.

So to summarise: you can buy, sell, and exchange stablecoins on CoinJar, and transfer them into your CoinJar wallet, but you cannot send them out to external wallets at this time.

Additional Updates

• Changes to available tokens and Bundles – Some cryptocurrencies and bundle products may be adjusted to meet MiCAR standards.
• PPS Number requirement – We'll need to collect your Personal Public Service Number for Irish tax and regulatory purposes.
• Trade settlement times – Some trades may show as "pending" for a short period. You'll need to accept price quotes within 30 seconds.

Important Policy Updates

As part of these changes, we have updated our Terms of Service, including in relation to the below:

1. Updated terms for MiCAR and EEA Regulations

Our terms are now tailored specifically for users in the EEA and reflect the requirements of MiCAR. They also explain clearly that your crypto-asset services are provided by CoinJar Europe Limited.

2. Clearer Service Descriptions

We have updated our terms so it’s easier to understand:

• how custody works,
• how fiat to crypto, crypto to fiat and crypto to crypto exchanges are executed, and
• how crypto-asset transfers are processed.
  

Each service is described in plain language so you understand the services we provide and what your responsibilities are.

3. Better Information on Disputes and Complaints

We’ve improved the section on how to make a complaint, including how issues can be escalated and your rights to refer a complaint to the Financial Services and Pensions Ombudsman (FSPO) in Ireland.

4. Transparency on Liability

The updated terms explain how CoinJar’s liability is limited, what we are responsible for, and in what situations your ability to claim losses may be restricted consistent with regulatory requirements.

5. Improved Risk and Fee Disclosures

We’ve updated our risk warnings to highlight the key risks associated with using crypto-asset services. We also provide more clarity around:

• Fees
• Spreads
• Charges related to the services you use.

6. Data Protection

We outline that by continuing to provide crypto-asset services, CoinJar Europe Limited will process your personal data as a data controller in line with our Privacy Notice.

These new Terms of Service take effect on 12 January, 2026. If you do not accept these changes, please contact our support team (support@coinjar.com) before 28 February, 2026 to close your account. If we do not hear from you, we will assume you accept the updated terms.

Looking Ahead: European Expansion

This MiCAR license is a major milestone in CoinJar's growth across Europe. We're investing significantly in our Irish operations, expanding our team, and enhancing our infrastructure. Our goal is to become a leading cryptocurrency exchange throughout the EU, bringing you even better services in the future.

CoinJar Team

Warning: Past performance is not a reliable guide to future performance. If you invest in this product, you may lose some, or all, of the money you invest. The above information is not to be read as investment, legal or tax advice and takes no account of particular personal or market circumstances; all readers should seek independent investment, legal and tax advice before investing in cryptocurrencies. There are no government or central bank guarantees in the event something goes wrong with your investment. This information is provided for general information and/or educational purposes only. No responsibility or liability is accepted for any errors of fact or omission expressed therein. CoinJar Europe Limited makes no representation or warranty of any kind, express or implied, regarding the accuracy, validity, reliability, availability, or completeness of any such information. CoinJar Europe Limited is authorised by the Central Bank of Ireland as a crypto-asset service provider (registration number C496731).