Act No. 31/2025 Coll., commonly referred to as the Financial Market Digitalisation Act, is the Czech Republic’s national adaptation act for key EU digital-finance rules, including the Markets in Crypto-Assets Regulation (MiCA) and the Digital Operational Resilience Act (DORA). As of July 14, 2026, the act is in force. It was published in the Collection of Laws on February 14, 2025 and became effective on February 15, 2025.
What the Czech Financial Market Digitalisation Act covers
The act does not replace MiCA. Instead, it creates the domestic legal machinery needed for directly applicable EU crypto-asset rules to work inside the Czech legal system. Its stated scope is to set selected rights and obligations for persons covered by EU crypto-asset market rules, define the powers and supervision of the Czech National Bank (CNB), and establish administrative offenses.
For CryptoSlate readers, the core crypto relevance is the act’s treatment of crypto-asset service providers (CASPs), issuers of asset-referenced tokens, issuers of e-money tokens, public offers of crypto-assets, admissions to trading, and customer-asset safeguards. The act also operates alongside Act No. 32/2025 Coll., the related amendment act that adjusted other Czech financial-market statutes in connection with MiCA, DORA and sustainable-finance measures.
Czech National Bank supervision under MiCA
The act designates the Czech National Bank as the competent authority for both MiCA and DORA in the Czech Republic. The CNB is responsible for receiving MiCA notifications and applications and for exercising supervisory powers over CASPs, issuers and offerors within the categories covered by MiCA.
- CASPs and certain financial entities are brought under CNB supervision for compliance with the act and directly applicable EU digital-finance rules.
- The CNB may require remedial measures, request information and use specific supervisory powers provided under MiCA and DORA.
- The CNB must maintain electronic lists covering notified crypto-asset white papers, authorised issuers, authorised CASPs and entities allowed to provide crypto-asset services in the Czech Republic.
Key crypto provisions
Customer asset protection
The act defines entrusted funds to include crypto-assets, access credentials or means of access to crypto-assets, and money entrusted to a CASP. Those entrusted assets are protected against enforcement against the CASP and are subject to special treatment if a CASP becomes insolvent. Custody providers must also arrange at least annual auditor verification of measures adopted to protect entrusted funds and provide the verification report to the CNB.
Stablecoin and reserve-asset treatment
For asset-referenced tokens and certain e-money tokens, the act provides domestic rules around reserve assets. In particular, reserve assets and investment returns connected to the reserve are protected against enforcement against an issuer, subject to the act’s redemption-plan exception.
Professional competence and reporting
The law sets knowledge and skill expectations for persons providing crypto-asset advice, including knowledge of crypto-asset service regulation and the ability to explain the nature of crypto-assets and related services to customers. CASPs must submit audited financial statements to the CNB within four months after the end of the accounting period, while issuers and CASPs must provide information needed to assess prudential compliance.
Offenses, penalties and transition
The act creates Czech administrative-offense categories for conduct that breaches MiCA, including unauthorized public offers, unauthorized crypto-asset services, failures linked to qualifying holdings, disclosure of inside information, and market-abuse obligations. It also creates offenses tied to DORA operational-resilience obligations and CASP custody or reporting failures. The CNB hears offenses under the act.
The act included a grandfathering provision for persons that were authorised before December 30, 2024 to provide crypto-asset-related services under a trade licence. Those firms could continue operating only if they applied for MiCA CASP authorisation by July 31, 2025, and only until the CNB’s decision became final, with an outside deadline of July 1, 2026. That transitional period has now expired.