MiCA Compliant Tokens | Regulated Security Tokens | Aurema Group
Blockchain Regulatory Compliance
Fully Compliant with MiCA Regulation (EU) 2023/1114 • Institutional-Grade Security Tokens

MiCA Compliant
Security Tokens

Institutional-grade regulated security tokens for real-world asset tokenization. Full legal certainty under MiCA Regulation (EU) 2023/1114. ERC-3643 standard. Global regulatory alignment.

MiCA
Full Regulatory Compliance
ERC-3643
Security Token Standard
EU
Passportable Across 27 States
Audited
Smart Contracts by CertiK
Request Regulatory Briefing View Token Specifications

Aligned with global regulatory frameworks:

MiCA Regulation (EU) SEC Reg D (US) ADGM FSRA (UAE) MAS Framework (SG)

Why MiCA Compliance Matters
for Institutional Investors

Legal certainty, investor protection, and cross-border scalability under Europe’s comprehensive crypto-asset framework

The MiCA Advantage

  • → Legal Certainty: Clear classification of token types (ART, EMT, utility) with defined rights, obligations, and supervisory framework
  • → EU Passporting: Tokens authorized in one member state can be offered across all 27 EU countries without additional licensing
  • → Investor Protection: Mandatory whitepapers, custody requirements, conflict of interest rules, and redemption rights for asset-referenced tokens
  • → Market Integrity: Transparency requirements, market abuse prevention, and operational resilience standards for issuers and CASPs

Aurema’s MiCA Implementation

  • ✓ Token Classification: Our RWA tokens qualify as “Asset-Referenced Tokens” (ART) under MiCA Article 3(2), backed by real estate/naval assets held in bankruptcy-remote SPVs
  • ✓ Whitepaper Compliance: Comprehensive MiCA-compliant whitepapers with mandatory disclosures, risk factors, and redemption mechanisms
  • ✓ Custody & Redemption: Regulated custody partners + clear redemption rights ensuring token holders can exit at fair value
  • ✓ Multi-Jurisdictional Alignment: MiCA compliance designed to facilitate parallel compliance with SEC Reg D (US), ADGM FSRA (UAE), and MAS (SG)

Regulatory Passporting

Once authorized under MiCA in one EU member state (e.g., Estonia), tokens can be distributed across all 27 EU countries without additional national approvals—accelerating time-to-market for institutional offerings.

Investor Confidence

MiCA’s mandatory disclosures, custody rules, and redemption rights provide institutional investors with the legal certainty required for allocation to digital asset strategies.

Future-Proof Design

Our token architecture anticipates evolving regulatory expectations: on-chain compliance hooks, upgradable smart contracts, and modular governance to adapt to future MiCA iterations.

MiCA-Compliant Token Architecture

Technical and legal design ensuring full compliance with Regulation (EU) 2023/1114

Token Classification Under MiCA

Aurema Group’s security tokens qualify as “Asset-Referenced Tokens” (ART) under MiCA Article 3(2), defined as:

“a type of crypto-asset that is not an electronic money token and that purports to maintain a stable value by referencing to any combination of assets, rights, or interests, including one or more official currencies.”

— MiCA Regulation (EU) 2023/1114, Article 3(2)

  • Backed by real-world assets (real estate, naval vessels) held in bankruptcy-remote SPVs
  • Redeemable at fair value via SPV asset sale or secondary market mechanisms
  • Subject to MiCA’s stringent reserve, custody, and redemption requirements

MiCA Token Types Overview

Asset-Referenced Tokens (ART)
Our tokens: backed by real estate/naval assets, redeemable, institutional focus
E-Money Tokens (EMT)
Stablecoins pegged to single fiat currency (not our use case)
Utility Tokens
Access to specific services/platforms (not our use case)

Source: MiCA Regulation (EU) 2023/1114, Articles 3-4

ERC-3643 Security Token Standard

⛓️

On-Chain Compliance Hooks

ERC-3643 enables investor whitelisting, transfer restrictions, and regulatory checks embedded directly in the token contract—ensuring only verified, eligible holders can transact.

🔐

Identity & Eligibility Verification

Integration with KYC/AML providers (Onfido, Sumsub) ensures token transfers comply with investor eligibility rules per MiCA, SEC Reg D, and other frameworks.

📊

Transparent Reserve Tracking

Smart contracts can reference off-chain oracle data to verify reserve asset backing, supporting MiCA’s reserve asset requirements for ARTs.

MiCA Whitepaper Requirements

📄

Mandatory Disclosures

Our whitepapers include all MiCA-required elements: issuer identity, token rights, underlying assets, risks, redemption mechanisms, and complaint procedures.

✅

Supervisory Approval

Whitepapers are submitted to the competent authority (e.g., Estonian FIU) for review and approval prior to public offering, ensuring regulatory alignment.

🔄

Ongoing Reporting

Post-issuance, we provide regular reports on reserve assets, redemption activity, and material events—fulfilling MiCA’s ongoing transparency obligations.

ERC-3643 Compliance Hooks (Simplified)

// SPDX-License-Identifier: MIT pragma solidity ^0.8.19; import “@tokeny/t-rex/contracts/TREX.sol”; contract AuremaART is TREX { // MiCA-compliant Asset-Referenced Token // Investor eligibility check (KYC/AML + jurisdiction) function canTransfer(address _from, address _to, uint256 _amount) public view override returns (bool) { return super.canTransfer(_from, _to, _amount) && ComplianceRegistry.isVerified(_to) && ComplianceRegistry.isEligibleJurisdiction(_to) && ComplianceRegistry.hasSufficientLimits(_to, _amount); } // Redemption mechanism (MiCA Article 44) function redeem(uint256 _amount) external { require(isVerified(msg.sender), “Investor not verified”); require(_amount <= balanceOf(msg.sender), "Insufficient balance"); // Trigger off-chain redemption process via oracle RedemptionOracle.requestRedemption(msg.sender, _amount); // Burn tokens upon successful redemption _burn(msg.sender, _amount); } // Reserve asset verification (MiCA Article 36) function getReserveRatio() public view returns (uint256) { return ReserveOracle.getCollateralRatio(address(this)); } }

* Simplified example. Production contracts undergo independent security audits (CertiK, OpenZeppelin).

Global Regulatory Alignment

MiCA compliance designed to facilitate parallel adherence to major international frameworks

MiCA Regulation (EU) 2023/1114

Key Articles Applied

  • • Article 3(2): ART classification criteria
  • • Article 36: Reserve asset requirements
  • • Article 44: Redemption rights
  • • Article 51: Whitepaper content
  • • Article 63: Ongoing disclosure obligations

Our Implementation

  • ✓ Bankruptcy-remote SPVs holding physical assets
  • ✓ Independent reserve audits quarterly
  • ✓ Clear redemption process at fair value
  • ✓ MiCA-compliant whitepaper + supervisory submission
  • ✓ Automated reporting via investor portal

Cross-Border Regulatory Strategy

🇺🇸

SEC Regulation D (US)

Tokens offered to US investors under Reg D 506(c) exemption. MiCA whitepaper supplemented with US-specific disclosures and accredited investor verification.

🇦🇪

ADGM FSRA (UAE)

Digital securities framework alignment: token classification, custody requirements, and investor eligibility rules mapped to ADGM standards for GCC distribution.

🇸🇬

MAS Framework (Singapore)

Capital Markets Products classification alignment; MiCA compliance serves as strong foundation for MAS engagement on cross-border offerings.

Regulatory Partnerships & Certifications

🇪🇺
MiCA Compliant
Asset-Referenced Tokens
🔐
ERC-3643
Security Token Standard
✅
CertiK Audited
Smart Contract Security
🏛️
Legal Opinion
Token Classification

Access MiCA-Compliant
Security Token Opportunities

Request a regulatory briefing and access to our current tokenized asset offerings. Designed for institutional investors, family offices, and regulated entities seeking compliant exposure to real-world assets.

Regulatory briefing with compliance specialists
Full MiCA whitepaper + technical documentation
Smart contract audit reports (CertiK/OpenZeppelin)
Response within 24 business hours

Regulatory Disclaimer

This communication does not constitute an offer to sell or solicitation of an offer to buy securities. Any offering will be made only through a MiCA-compliant whitepaper to verified eligible investors in permitted jurisdictions. Consult your legal and compliance advisors before proceeding.

Request Regulatory Access

By submitting, you agree to be contacted by Aurema Group. No unsolicited communications. Institutional inquiries only.

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