MiCA Crypto API for the EEA
Add crypto and investing to
Embedded crypto trading, custody and transfers, plus gold, commodities and recurring investments, provided by Kvarn X (Kvarn Capital Ltd, MiCA-authorised). Funding runs through a Kvarn payment account, connected by Simplify Labs technology.
Keep your app, your interface and your users' experience — Kvarn X provides the services inside it.
Launch timing and product availability depend on scope, configuration, required approvals, and operating setup.
How the Model Works
Simplify Labs powers your interface.
Kvarn X provides the services.
Your app and brand look
You bring your users and your app. You keep your app, brand look, distribution and users' experience.
Technology & integration
Simplify Labs provides the partner-side interface technology and integration that connect your app to Kvarn X.
Crypto-asset & payment services
Kvarn X provides the crypto-asset and payment services and holds the client relationship, including onboarding and KYC/AML, custody, order execution, transfers, the payment account, pricing and the asset range.
Embedded Financial Infrastructure
More products for your users.
Without rebuilding your customer experience.
Your users already know your app. Your brand, interface, distribution and user experience are already in place. The API model lets you bring Kvarn X services into that existing experience, connected through Simplify Labs technology.
Keep control of
- your app
- your brand look
- your interface and UX
- your distribution
- your acquisition channels
- your product experience.
Add
- crypto trading
- custody and crypto transfers
- gold & commodities
- recurring investments
- advanced trading
- fiat funding through the Kvarn payment account
- virtual crypto cards
Why the Gray Label API Model
Bring crypto services into your appwithout building the trading, custody and compliance stack yourself.
Providing these services independently can require separate trading, custody, payments, compliance and operational infrastructure — as well as the applicable regulatory setup.
With Simplify Labs × Kvarn X
Use a coordinated technology and regulated operating model to connect the capabilities required by your product.
Your interface stays yours
Keep your app, brand look and user experience.
Simplify Labs connects the technology
Use Simplify Labs interface technology and integration instead of building every connection independently.
Kvarn X provides the services
Kvarn X handles the regulated crypto-asset and payment services, client relationship, onboarding, custody and execution.
Clear responsibilities
Your role remains technical as set out in the partner agreement.
Kvarn X Services in Your App
Bring Kvarn X crypto and additional services
into your existing interface.
Crypto
Buy, Sell, Hold & Transfer
Offer crypto trading and transfers inside your app, with the services provided by Kvarn X.
Custody
Kvarn X provides custody across its current range of ~400 crypto-assets on 25+ blockchains.
On-chain Transfers
Support deposits, withdrawals and transfers across Kvarn X's supported networks.
Advanced Trading
Offer Kvarn X advanced trading functionality inside your app.
Additional Services
Gold & Commodities
Access supported gold and commodity products provided by Kvarn X.
Recurring Investments
Enable recurring investment functionality provided by Kvarn X.
Virtual Crypto Cards
Extend crypto utility with virtual crypto card functionality provided through Kvarn X.
SEPA / SEPA Instant
Funding into the user's Kvarn payment account from the user's own bank account.
SWIFT
Supported funding into the user's Kvarn payment account.
Bank Transfers
Funding from the user's own bank account into the Kvarn payment account.
Card Funding
Supported card funding into the user's Kvarn payment account.
Developer & Product Experience
Connect Kvarn X services to the app you already operate.
The API model lets you keep and build your own customer-facing interface while Simplify Labs provides the technology and integration connecting it to Kvarn X services.
API Documentation
Technical specifications and implementation guidance for integration teams.
Integration Support
Work with Simplify Labs through interface implementation, integration, testing and launch preparation.
Fit & Scope
Confirm the intended services, target markets and interface requirements.
Kvarn Partner Due Diligence
Kvarn completes its partner due diligence before the partnership moves forward.
Agreement
Confirm the partner agreement, roles and responsibilities.
Build Your Interface & 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.
Integration Timeline
Target go-live path: ~6 weeks. Timing depends on scope, configuration, Kvarn's partner due diligence and approvals.
EEA Coverage
Bring Kvarn X services to users
across 30 EEA markets.
30 EEA Markets
All 27 EU member states plus Iceland, Liechtenstein, and Norway.
Funding & Payment Rails
SEPA / SEPA Instant
Funding into the user's Kvarn payment account.
SWIFT
Supported funding into the user's Kvarn payment account.
Bank Transfers
Funding from the user's own bank account into the Kvarn payment account.
Card Funding
Supported card funding into the Kvarn payment account.
Crypto Transfers
Crypto transfers across supported networks are provided by Kvarn X.
Use Cases
Your existing app —
with Kvarn X services inside it.
Fintech / Neobank
Accounts · Payments · Cards
Accounts · Payments · Cards · Crypto Trading · Custody · Transfers · Recurring Investments
Wallet / Payment Platform
Wallets · Transfers · Payments
Wallets · Transfers · Payments · Kvarn X Crypto Trading · Funding · Advanced Trading
Existing Crypto Exchange
Crypto Interface · Wallet Experience
Existing Interface · Kvarn X Crypto Services · Gold & Commodities · Recurring Investments · Funding Rails
International Financial Platform
Existing financial product outside the EEA
Kvarn X services integrated into an EEA-facing app experience.
Also Relevant For
VASPs, crypto platforms, fintechs, neobanks, wallets and brands entering or expanding across the EEA — all subject to Kvarn's partner due diligence.
FAQ