What’s Next for USDT and USDC After MiCA?

As crypto adoption grows in Europe, regulation is catching up. One of the most important changes in 2025 is the MiCA regulation — short for Markets in Crypto-Assets. But what does it mean for stablecoins like USDT and USDC?

What Is MiCA?

MiCA is a European regulation that sets clear rules for digital assets. It came into effect at the end of 2024 and directly affects how stablecoins are issued and used in the EU.

The goal: protect users and bring crypto into a more transparent legal space.

Why USDT Is Being Delisted in Europe

Under MiCA, stablecoin issuers need to meet strict requirements, including:

• Having a registered legal entity in the EU
• Holding sufficient reserves
• Publishing clear and regular reports

USDT, issued by Tether, currently does not meet these new MiCA standards. As a result, many exchanges have started delisting it for EU users in 2025.

Why USDC Is Gaining Popularity

USDC, issued by Circle, is more transparent and aligned with regulations. Circle is already working with European regulators to comply with MiCA, making USDC a safer option for European users.

That’s why many are now swapping USDT for USDC to avoid issues and stay compliant.

How to Swap USDT to USDC Easily

You don’t need an account or registration to switch from USDT to USDC. On Fswap, you can make the swap quickly and securely, with low fees and support for multiple chains.

Whether you're a beginner or an advanced user — it just works.

What’s the Future of Stablecoins in Europe?

MiCA is just the beginning. In the next few years:

• More countries may adopt similar regulations
• Regulated stablecoins will be more widely accepted in payments
• Platforms may offer better rates and features for MiCA-compliant coins

So for now, USDC is likely to grow, while USDT may remain limited to markets outside the EU.

Final Thoughts

MiCA is changing how crypto works in Europe — and stablecoins are first in line. If you're holding USDT and live in the EU, it may be time to consider switching to USDC.

And if you need a fast, secure, and anonymous way to do it — Fswap makes it easy.