For centuries, self-custody has symbolized financial autonomy, enabling individuals to secure their wealth—from gold to cash—without intermediaries. Bitcoin extends this principle into the digital realm, offering a censorship-resistant, decentralized way to hold assets. Yet, upcoming European regulations under the Markets in Crypto-Assets Regulation (MiCA) and the Transfer of Funds Regulation (TFR) threaten to complicate self-custody for Bitcoin users.

A New Regulatory Era

MiCA, adopted in April 2023, aims to regulate crypto-assets comprehensively in the EU. The revised TFR applies the “Travel Rule” to Bitcoin transactions, requiring detailed sender and recipient information for…

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