MiCA-authorised crypto-asset services by Kvarn X
Offer crypto trading
Give your users crypto trading through a Gray Label model. The crypto-asset services are provided by Kvarn X, connected through Simplify Labs technology. No trading, custody or compliance stack to build.
Timing depends on scope, configuration, Kvarn's partner due diligence and approvals.
One Product. Clearly Defined Roles.
Your brand. Our technology.
Kvarn X provides the crypto-asset services.
In the Gray Label model, your app is the interface. Simplify Labs provides the partner-side interface technology and integration. Kvarn X provides the crypto-asset and payment services and holds the client relationship.
Your app and brand look
You bring your users and your app. You own the app, brand look and user experience.
Technology
Simplify Labs provides the technology and integration that connect your app to Kvarn X. Simplify Labs does not provide crypto-asset services or hold client funds.
Crypto-asset and payment services
Kvarn X holds the client relationship and provides onboarding and KYC/AML, custody, order execution, transfers, the payment account, pricing and the asset range.
A Different Route to Market
Offer crypto services
without becoming the regulated service provider.
If you provide crypto-asset services yourself, you need to build the technology, operations and regulatory setup required to do so. Under the Gray Label model, your role remains technical and Kvarn X provides the regulated services directly to users.
Build Independently
Technology
Build and integrate your own trading, custody, payments and compliance stack.
Regulation
Obtain and maintain the applicable authorisation if you provide regulated crypto-asset services yourself.
Operations
Run onboarding, KYC/AML, custody, order execution, payments and regulatory operations yourself.
Timeline
End-to-end licensing and build timelines can extend to 9–18 months.
Gray Label with Kvarn X
Technology
Your app connects to Kvarn X through Simplify Labs technology.
Regulation
You do not provide regulated crypto-asset services, so you do not need your own MiCA authorisation as long as your role remains technical as set out in the partner agreement.
Operations
Kvarn X handles the client relationship, onboarding and KYC/AML, custody, order execution, transfers and the payment account.
Timeline
Target go-live path of approximately 6 weeks, depending on scope and required setup.
The Core Product
Crypto-asset services provided by Kvarn X
connected through Simplify Labs technology.
The product combines the customer-facing experience and operational technology required to launch and run a branded crypto exchange within the agreed regulated model.
Buy, Sell, Hold & Transfer
Offer buy, sell, hold and transfer functionality inside your app, with the services provided by Kvarn X.
Custody
Kvarn X provides custody across its current supported range of ~400 crypto-assets on 25+ blockchains.
Onboarding & Compliance
Users onboard with Kvarn X. Kvarn X runs KYC/AML and ongoing monitoring; the partner does not run or store users' onboarding data.
Fiat & Crypto Rails
Support configured EUR funding, crypto deposits and withdrawals, banking rails, and card-based on-ramp options.
Admin & Operations
Manage users, transaction activity, fees, customer operations, and platform workflows through dedicated administrative tooling.
Liquidity & Execution
Connect trading flows with the liquidity and execution capabilities available within the selected operating configuration.
Branded Experience
Launch web and mobile customer journeys configured around your brand, audience, and product proposition.
Optional Product Extensions
More than crypto trading.
Through the same integration, Kvarn X also offers additional services beyond core crypto trading.
Gold & Commodities
Access supported gold and commodity products through Kvarn X.
Recurring Investments
Enable recurring investment functionality provided by Kvarn X.
Advanced Trading
Offer Kvarn X advanced trading functionality inside your app.
Virtual Crypto Cards
Extend crypto utility with virtual card functionality through the applicable card-program setup.
Best-Fit Businesses
For businesses that want to offer Kvarn X services inside their app
and user experience.
Exchanges, VASPs & Crypto Platforms
Add Kvarn X services to an existing app and user experience.
Fintechs, Neobanks & Wallets
Add crypto-asset services while keeping your existing app and interface.
Brands With European Users
Bring Kvarn X services into an existing digital customer experience.
International Businesses Entering the EEA
Enter European markets while keeping control of your brand, acquisition strategy, and customer proposition.
Not sure if the model fits your current setup?
Book a Fit CallEEA Coverage & Funding
One operating model.
Broad EEA coverage.
The current Kvarn operating framework is designed to support a branded exchange experience across the European Economic Area.
30 EEA Markets
All 27 EU member states plus Iceland, Liechtenstein, and Norway.
~400 Cryptocurrencies
Kvarn X's current crypto-asset range across 25+ blockchains.
SEPA / SEPA Instant
EUR funding through the user's Kvarn payment account.
SWIFT
Supported funding through the user's Kvarn payment account.
Bank Transfer
Funding from the user's own bank account into the user's Kvarn payment account.
Card
Supported card funding into the Kvarn payment account.
Crypto Transfers
Crypto transfers across supported networks are provided by Kvarn X.
Pricing & Terms
Kvarn X sets the terms and pricing
for its services.
Users receive Kvarn X's standard terms and price list, the same as Kvarn's other clients. Partners cannot change Kvarn X pricing, service rules or asset range.
During the fit process, we walk you through:
- setup and implementation structure;
- platform economics;
- transaction-related costs;
- configured payment and crypto rails;
- volume-based commercial logic;
- relevant operational costs.
Launch Process
A clear path from fit call to go-live.
Fit Call
Confirm the product fit, target market and intended scope.
Kvarn Partner Due Diligence
Kvarn completes its partner due diligence before the partnership moves forward.
Agreement
Confirm the partner agreement, roles and responsibilities.
Build & Kvarn Content Approval
Build and configure your interface with Simplify Labs technology. Kvarn reviews and approves partner-facing content before go-live.
Go Live
Launch Kvarn X services inside your app.
Target go-live path:~6 weeks
Final timing depends on scope, integrations, required approvals, brand configuration, and onboarding-flow setup.
FAQ