Estonia Non-Custodial Wallet — Compliant Development
Launch a non-custodial wallet in Estonia with compliance controls mapped to FIU Estonia and MiCA. Block Intelligence builds production software; independent counsel handles licensing.
Compliance scope
Estonia · Non-Custodial Wallet
Estonia supervises crypto-asset service providers under MiCA through Financial Intelligence Unit / FSA Estonia (FIU Estonia). Firms offering exchange, custody, advisory, or other CASP services must obtain authorization and meet prudential, governance, and AML requirements before serving clients in the EU.
| Jurisdiction | Estonia |
|---|---|
| Regulator | FIU Estonia |
| Product | Non-Custodial Wallet |
Software
Built-in compliance controls
- Self-custody key generation and secure backup flows
- WalletConnect / chain signing with transaction simulation
- Optional KYC-gated features for regulated on-ramps
- Phishing protection and address allowlisting
- Privacy-preserving analytics for product ops (not user PII)
- User-controlled private keys for enhanced security
- Integrated KYC/AML processes for compliance
- Transaction monitoring tools to detect suspicious activities
Block Intelligence provides technology development and compliance-oriented software architecture. We are not a law firm. Licensing and regulatory advice is provided by independent legal partners in each jurisdiction. Information is current as of 2026-03-01 and subject to change.
FAQ
Frequently asked questions
- What compliance measures are necessary for a non-custodial wallet?
- Compliance measures include KYC/AML checks and ensuring secure user access to private keys.
- Can users retain control over their private keys?
- Yes, in a non-custodial wallet, users have full control over their private keys.
- How does the software support compliance with MiCA?
- The software integrates compliance features that align with MiCA requirements, including transaction monitoring.