In Europe, there is no official list of cryptocurrencies completely banned for individuals.
However, certain categories of crypto-assets are restricted or not offered on regulated platforms, especially since the entry into force of the MiCA regulation and European compliance rules.
🔒 1. Stablecoins non-compliant with European regulations
Since the progressive application of MiCA, several stablecoins that do not meet European requirements (transparency, reserves, legal framework) may be withdrawn or limited on regulated platforms in the European Union.
Frequently concerned examples:
USDT
DAI
TUSD
FDUSD
USDP
UST / USTC
PAXG
➡️ These assets are not illegal to hold, but their purchase, sale, or exchange may be restricted on certain European platforms.
🚫 2. Stablecoin subject to European sanctions
The stablecoin A7A5 is subject to European Union sanctions.
➡️ Transactions involving this token are prohibited in the EU.
🕵️ 3. Privacy-focused crypto-assets: horizon 2027
The European Union plans that starting in 2027, crypto-assets that offer a high level of anonymity in transactions could be banned on regulated platforms, as part of future anti-money laundering rules.
Assets commonly cited:
Monero (XMR)
Zcash (ZEC)
Dash (DASH)
➡️ These measures would primarily concern regulated service providers, not personal holding.
✅ 4. Major crypto-assets
Assets like Bitcoin (BTC) and Ethereum (ETH) remain permitted and regulated in the European Union, subject to compliance with regulatory obligations.
📝 Summary
The European Union does not prohibit all cryptocurrencies
The restrictions mainly concern certain stablecoins and anonymous crypto-assets
The rules mainly apply to regulated platforms and not to personal holding
The aim is to ensure regulatory compliance and user protection.
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